Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17994474
Complaint Overview
Complaint ID: 17994474
Company: Vw Credit
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 32812
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * VW CREDIT INC * * Regarding : * * VW CREDIT INC XXXX Account no : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way VW CREDIT INC is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and XXXX. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). Both notices are mandatory, and the furnisher must provide them to me in writing. * * Details of the Issue : * * - The account in question is a credit card issued by VW CREDIT INC- The account reported positively for a period of time. - After I became delinquent, VW CREDIT INC charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. - I never received an Adverse Action Notice. * * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. - The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. * * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. * * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. - Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o. * * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. - Written confirmation that proof is provided or deletion of the charge-off occurs.
Frequently Asked Questions
What is Complaint #17994474 about?
Complaint #17994474 was filed against Vw Credit regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
How did Vw Credit respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Vw Credit?
Yes, visit the Vw Credit company profile at readthecomplaint.com/company/vw-credit to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.