|
11770240
|
2025-01-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
7820935
|
2023-11-09
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2023-11-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10501821
|
2024-10-18
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Notice to repossess
|
| Sub Product |
Loan
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Complaint What Happened |
The company claims to have sent my account to an entity called XXXX XXXX XXXX XXXX XXXX so I called XXXX XXXX XXXX, XXXX on phone number ( XXXX ) XXXX XX/XX/year> at XXXX pm, I was told that, I am looking for the wrong company and that the XXXX XXXX XXXX XXXX, XXXX does not handle this type of matter. Im requesting written documentation. I can not find XXXX XXXX XXXX XXXX XXXX if that was true. I dont think XXXX XXXX XXXX XXXX XXXX XXXX a legitimate company for the my situation. Im requesting for proof that the debt was sent to XXXX XXXX XXXX XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3672358
|
2020-05-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-05-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10683141
|
2024-11-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-04
|
| Complaint What Happened |
This account was paid successfully and they have not updated it on my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4369334
|
2021-05-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2021-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-11
|
| Complaint What Happened |
When my divorce was final on XX/XX/2021, the judge ordered that the auto loan was NOT my responsibility. I'm attaching my divorce decree. I submitted this to Sensible Auto and they refused to stop reporting on my credit report and now I have a repossession on my report.
I asked them what I could do and they told me to refinance with a third-party to pay off the loan, HOWEVER, there are no third parties that will refinance a {$0.00} XXXX XXXX loan which is what they show I owe. I'm attaching the transaction information they sent me which shows I owe {$0.00}.
So now I'm stuck with NOTHING I can do except beg for your help because there is NOTHING I can do to have this removed from my credit report although they KNOW it's not my debt, I've given them proof AND according to them I don't owe anything after they'd sold it!!!!!
I don't know what to do anymore. This isn't fair at all! No one cares! I can't move forward with my life because they won't do what is right.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3919151
|
2020-10-26
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2020-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-26
|
| Complaint What Happened |
I purchased a XXXX XXXX XXXX through sensible auto lending and was paying weekly until the last payment. I was not notified that the last payment cant be processed by the card they had on file they require a different form for the last payment. In XX/XX/XXXX I was denied a loan for a car stating that I had defaulted on my loan and the car was repossed. The car was actually totaled in XXXX and I continued paying.
When I reached out to the company they kept giving me excuses of why they couldnt allow me to speak to a supervisor. After over a year of no one calling me back or sending me a copy of this last bill I disputed the false claims of the payments being late and that it was not repossed and also now that instead of providing me the information I requested to pay of the debt they told me to continue disputing it with XXXX and wait until it falls off my credit report. They refused to put the person that confirmed the information has been correct on the phone and when a customer service representative finally got on the phone after 3 hours today she after 7 attempts put a supervisor on the phone that disputed the information I was providing.
I have been trying to resolve this since XXXX of XXXX and at every attempt I was refused the corporate office number or to speak to the person confirming the accuracy of the information on XXXX. You would think after over a year or calling I wouldnt be spoken to as if I was bothering the supervisor when Ive waited over a year to speak to one.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6841796
|
2023-04-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-14
|
| Complaint What Happened |
Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed from my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6817521
|
2023-04-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10684035
|
2024-11-04
|
Credit monitoring or identity theft protection services
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-04
|
| Complaint What Happened |
this company is reporting an incorrect account in my name because the debt was Paid and they have it in the collection and they do not report is closed satisfactorily.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7842692
|
2023-11-13
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10440267
|
2024-10-13
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Company explaining amount owed
|
| Sub Product |
Loan
|
| Date Received |
2024-10-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-13
|
| Complaint What Happened |
SENSIBLE AUTO LENDING The Creditor Closed The Account and Is falsely Claiming That {$1.00} Is Uncollectible. Creditor Will Not Accept My Payment. This Is A Small Amount, And When I Pursue it. No Information Is Given To Me, Someone That Is Dealing With The Account Just Hangs Up On Me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4053022
|
2021-01-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Other debt
|
| Date Received |
2021-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-26
|
| Complaint What Happened |
Debt is in litigation and should not be on credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3881461
|
2020-10-05
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-05
|
| Consumer Consent Provided |
Other
|
|
|
6443931
|
2023-01-16
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2023-01-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-16
|
| Complaint What Happened |
I, XXXX XXXX, Consumer/ Natural Person am now aware of all rights that I have, and which are protected by Congress under the Fair Debt Collection Practice Act pursuant 15 USC 1692a ( 6 ). It has been brought to my attention and understanding that Sensible Auto, has violated multiple rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant 15 USC 1692b ( 2 ) Sensible Auto communicated with third parties furnishing my personal location information and stated that there was an ALLEGED DEBT violation pursuant 15 USC 1692b ( 3 ). Because of Sensible Autos abusive practices, I have incurred serious injury pursuant 15 USC 1692 ( a ) and 15 USC 1692 ( b ) by having my vehicle removed unlawfully from my property. This has caused me grave danger and put me in financial hardship and caused me mental and physical anguish.
Under 15 USC 1692 c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand pursuant 15 USC 1692c ( c ) that you cease ALL further communication through ALL and ANY MEDIUM EXCEPT for communication of remedies for XXXX XXXX, the consumer and natural person, via EMAIL ONLY. Pursuant 15 USC 1692, I am invoking specified remedy as the original creditor, and I demand :
|
| Consumer Consent Provided |
Consent provided
|
|
|
3468641
|
2019-12-15
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2019-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
A XXXX XXXX XXXX, VIN # XXXX, was repossessed on XX/XX/XXXX. Sensible Auto LLC claims to have sent A Notice of Repossession and Right to Redeem or Reinstate to myself in the timely manner the state requires. Sensible auto claimed to have sent the document on XX/XX/XXXX, in the state of Connecticut the lending company must send the letter out to the borrower within 3 days. If this is not done within the said timeframe the lien holder forfeits the right to any repossession & storage fees. They also have to make the borrower whole if the error caused any damages. Not only did Sensible Auto LLC attempt to obtain fees that they were not entitled to, they refused my pleading to pay the actual past due balance and held my vehicle ransom because I refused to give them money that I did not owe. Sensible Auto also denied me the opportunity given to bid on my vehicle because they did not notify me of the sale until after the property had been sold. I would like to believe that the error was not intentional, unfortunately after further investigation of the evidence, Sensible Auto LLC is willing to do things to prey on the weak and struggling. I have made a complaint to my state Attorney General and with my states Department of Banking. I felt lost confused and helpless during the process and in the end felt that the injustice was filed away, referral numbers where given but nothing had actually been done. Im hoping that this will be last and final attempt in my pursuit for justice.
Past due amount {$510.00} Fees : {$230.00} ( Plus Additional Fees to pay to the company that repossessed the vehicle along with there storage fees wich are TBD ) I believe this is a tactic used that violates the consumers rights to prevent the borrower from redeeming the vehicle as the law allows.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4763872
|
2021-09-29
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2021-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-29
|
| Complaint What Happened |
i was the co-buyer to this car loan in XX/XX/XXXX to it was repossessed later that year to the buyer being incarcerated since then this repossessed car has been holding me back from furthering my credit and harder for me to get a car. my XXXX XXXX account says it was closed on XX/XX/XXXX. i just want this off my credit so i can than better me and my family and get a decent family car
|
| Consumer Consent Provided |
Consent provided
|
|
|
8246883
|
2024-01-29
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information is incorrect
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2024-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-29
|
| Complaint What Happened |
Again tonight apartments reasons I known services and similar names that I did not authorize I have not ever use mortgage loans. Im not even at that stage of my life you miss information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5597925
|
2022-05-25
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2022-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4367368
|
2021-05-11
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-11
|
| Complaint What Happened |
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice.
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SENSIBLE AUT XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3823388
|
2020-08-31
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-31
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I paid off my car note in full however the account is still showing up as late on my credit report
|
| Consumer Consent Provided |
Consent provided
|
|
|
6011984
|
2022-09-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2022-09-23
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-23
|
| Consumer Consent Provided |
N/A
|
|
|
9363108
|
2024-06-27
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-06-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-27
|
| Complaint What Happened |
Code 15 US C 168 1b XX/XX/year> I spoke on the phone to a credit specialist regarding the close account from sensible auto, and then ask her to validate the debt, and she was not able to do it, stating that I should contact the original credit bureau in order to remove the step off my credit report. And then stated that I contacted sensible auto and 80 days ago and no one has gotten back to me to date.
I have sent them FCRA letter and a consumer law letter stating, when a vehicle is sold it is no longer the persons which has reasons to believe.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12224823
|
2025-02-26
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Auto debt
|
| Date Received |
2025-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-26
|
|
|
11835976
|
2025-01-29
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-29
|
|
