Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/23/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am responding to your contact about a debt you are trying to collect. You contacted me by mail, and identified this alleged debt.Please supply the information below so that I have all information:The name and address of the creditor to whom the debt is currently owed, the account number used by that ***********************, and the amount owed.If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that ***********************, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.The amount and age of the debt, including: A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.

  

  Business Response

  Date: 02/24/2025

  Dear BBB,
  
  On 2/23/25, FinBe USA, formerly AFS Acceptance and Credito Real USA Finance (FinBe USA) received the consumers complaint alleging billing or collection issues.  Specifically, the consumer alleges that she is responding to [FinBe USAs] contact about a debt [it is]trying to collect, and requesting additional information and documents related to, and verifying the existence of the debt. The consumers desired settlement is correction to her credit report.
  
  FinBe USA is an indirect auto lender who was assigned the retail installment sale contract (Contract) for the purchase of a 2017 Chevrolet Cruze from dealership, Car Connection in Plantation, ** on or about 7/29/17.  A copy of the Bill of Sale with FinBe USA (then known as AFS Acceptance) as the finance company/lienholder is enclosed with this response.  FinBe USA affirmatively states that it was the original creditor of the subject debt.  At the time of contracting the consumer also submitted a credit application and FinBe USA (then known as AFS Acceptance) credit application addendum which expressly permitted it to report the account to the credit bureaus. Copies are attached with this response.
  
  FinBe USAs records indicate that the consumer made 12 payments towards the ******************************************************************************* 2018.  Insurance proceeds were received and applied to the account, before it was eventually charged off on or about 2/27/19, which is consistent with the reporting payment history submitted with the consumers complaint.  Contrary to the consumers claims that the complaint is a response to a contact about a debt,FinBe USAs records do not show any contact or communications with the consumer since 2019.
  
  FinBe USAs investigation confirmed that it has reported the account properly and is consistent with the account payment history, which is enclosed with this response.   As the consumer may be aware, a charged off account may stay on her credit report for seven years.  Nevertheless, due to the age of the debt, and in an effort to fulfill the consumers desired resolution, on 2/24/25, FinBe USA submitted an Automated Universal Dataform (AUD) to the credit reporting agencies (CRA) to delete the tradeline so that it no longer appears on the consumers credit report. 
  
  As FinBe USA has fulfilled the consumers desired settlement, it is our position that this matter should be closed.  If there are any questions, please reach out directly to me.
  
  Regards,
  *********** P. ****
  
  
  
  
  

  Customer Answer

  Date: 03/11/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** ********

• Initial Complaint

  Date:02/23/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing this urgent complaint to formally address violations of my rights under the Fair Credit Reporting Act (****) related to inaccurate information reported by your company to the credit bureaus.1. Inaccurate Reporting: FINBE USA has reported false payment history, including dates that are inconsistent and years apart. This manipulation of data has resulted in misleading and damaging information on my credit report.2. Statute of Limitations Manipulations: The false reporting of payment history is deliberately extending the statute of limitations on the account, thus preventing me from challenging the debt as time-barred.I demand that FINBE USA immediately delete this account from my credit reports. Under 15 U.S.C 1681e(b), you are required to report accurate information, and I am entitled to have my credit report reflect truthful data. This complaint is brief but highlights the **** violations and demands immediate action If required I can provide proof of this action!

  

  Business Response

  Date: 02/24/2025

  Dear BBB,
  
  On 2/23/25, FinBe USA, formerly AFS Acceptance and Credito Real USA Finance (FinBe USA) received the consumers complaint alleging billing or collection issues.  Specifically, the consumer alleges purported violations of the Fair Credit Reporting Act (FCRA) for purportedly reporting false payment history. The consumers desired settlement is deletion of the account from credit reporting agencies (****).
  
  FinBe USA is an indirect auto lender who was assigned the retail installment sale contract (Contract) for the purchase of a 2016 Chevrolet Malibu from dealership, ******************************** in ************, ** on or about 6/20/17.  A copy of the Bill of Sale with FinBe USA (then known as AFS Acceptance) as the finance company/lienholder is enclosed with this response.  At the time of contracting the consumer also submitted a credit application and FinBe USA (then known as AFS Acceptance) credit application addendum which expressly permitted it to report the account to the credit bureaus.  Copies are attached with this response.
  
  FinBe USAs records indicate that the consumer made 19 payments towards the 72 month contractual term before the vehicle was impounded and abandoned, and the account eventually charged off in July 2019. The account notes and payment history reflect three payments made towards a potential settlement agreement to resolve the outstanding loan balance, but the consumer stopped making payments after October 2019.
  
  FinBe USAs investigation confirmed that it has reported the account properly as a charge off and contrary to the consumers claims in the complsint, its reporting is consistent with the account payment history, which is enclosed with this response.   As the consumer may be aware, a charged off account may stay on his credit report for seven years.  Nevertheless, due to the age of the debt, and in an effort to fulfill the consumers desired resolution, on 2/24/25, FinBe USA submitted an Automated Universal Dataform (AUD) to the credit reporting agencies (CRA) to delete the tradeline so that it no longer appears on the consumers credit report. 
  
  As FinBe USA has fulfilled the consumers desired settlement, it is our position that this matter should be closed.  If there are any questions, please reach out directly to me.
  
  Regards,
  *********** P. ****
  
  
  
  
  

  Customer Answer

  Date: 03/15/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I appreciate the time to correct this error by deletion on behalf of the company 
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:02/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Various problems (unable to attach pictures)

  

  Business Response

  Date: 02/24/2025

  Dear BBB,
  
  On 2/21/25, FinBe USA, formerly, Credito Real USA Finance LLC (FinBe)received the consumers complaint alleging vehicle repair issues.  The consumer contends that her vehicle was repossessed due to purported misapplication of funds and error and is requesting removal of repossession fees and fines and personal items from the vehicle.  Photos of the vehicle with heavy front end damages and a deployed air bag were submitted with the complaint.  The consumers desired settlement requests that the car balance to be cleared in full as it has been wrongfully repossessed and they will sale again and make money that will cover balance.
  
  FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment sales contract for the consumers purchase of a used 2017 ***** Civic from dealership Calumet Auto Finance in *******, IN on or about  on or about 7/9/2022.  A copy of the retail installment contract with assignment to FinBe (formerly Credito Real USA Finance) is submitted with this response.
  
  To investigate the consumers claims, FinBe reviewed the payment history, account notes and communications between FinBe and the consumer.  After failing to timely make her initial payment, the consumer had a near perfect payment history until she missed her payment due 10/20/23.  On or about 12/13/23, FinBe received a BBB complaint from the consumer regarding a payment deferment request, which was approved the following day, 12/14/23.  Importantly, the 12/13/23 complaint (BBB ID:21005211) included a cease and desist request which was immediately notated on the account.  A copy of the prior BBB complaint and account payment history are submitted with this response.
  
  Despite FinBe USA providing assistance to bring the account current and defer her payment due for November 2023, the consumer missed the next payment due for December 2023 and stopped paying on the vehicle altogether.  FinBe did not make contact to provide further assistance to the consumer at this time, as she had expressly requested that FinBe cease all communications to her. On or around 2/14/24, it came to FinBes attention that the vehicle was located at an impound lot and on 2/29/24, the consumer placed an inbound call to FinBe advising that the vehicle had been totaled.  However, an insurance claim was made on the vehicle, which was eventually deemed repairable, and resulted in issuance of a settlement payment to make repairs.  In the interim, FinBe provided the consumer another payment extension in April 2024 while the vehicle was inoperable and undergoing repairs.
  
  After contacting FinBe USA and expressing a desire to reclaim her vehicle and get her account back on track, on or about 7/24/24 the consumer made a $3500 payment to FinBe USA to bring her account current.  FinBe USAs notes reflect that the repair shop would not release the vehicle to the consumer due to an unpaid deductible,which was eventually paid and the vehicle was released to the consumer in September 2024.  However, the consumer again stopped making payments on the account. Moreover, the consumer still had unpaid, lender-placed collateral protection insurance premiums past due, which was placed on the account after her own coverage expired in January 2024 due to nonpayment.  The consumer eventually made payments in October 2024 and again in December 2024, but the account remained past 46 days past due after application of the 12/5/24 payment. Meanwhile, on 10/30/24, a statutorily-required Notice of Default and Requirement of Strict Compliance letter was sent to the consumer, which is submitted with this response.
  
  After the consumer made only one partial payment and FinBe USA continued to honor the consumers cease and desist request, on 2/11/25 the account was assigned for repossession, as it had become 83 days delinquent with a past due amount of $1567.34.  After the vehicle was recovered on 2/12/25, FinBe USAs notes show that the consumer reached out to FinBe USA inquiring as to the whereabouts of the Vehicle and denying that she ever requested that FinBe cease and desist communications, despite doing so in her prior BBB complaint (see complaint submitted with this response).  The consumer has since withdrawn her cease and desist request to FinBe USA in writing, and was provided the past due amounts and copies of her payment history per request on 2/18/25 and 2/19/25.  The consumer reached out again to FinBe USA on 2/20/25 requesting to retrieve personal items from the vehicle, and on the same date, was provided the contact information to obtain the location of the vehicle where she can retrieve her personal property.
  
  FinBe USA received the complaint on 2/21/25.  On the same date, the consumer made a good faith partial payment in the amount of $317.85 to place a hold on the vehicle from a potential sale, and advised to follow up to discuss a payment plan to reinstate the account and release the vehicle.
  
  As of todays date, the account is $2,599.11 and 66 days past due.  FinBe USA encourages the consumer to contact FinBe USA to discuss payment assistance options in order for her to bring her account current and get her back in her Vehicle.
  
  In sum, FinBes investigation concluded that it committed no wrongdoing and no misapplication of funds or errors as alleged in the complaint. The account notes reflect that the consumer was informed by a FinBe USA agent that she requested the cease and desist on her account-which was honored by FinBe USA-allowed her account to become past due, and did not communicate with FinBe USA, resulting in the repossession of her vehicle. Accordingly, FinBe USA declines to remove any fees contractually owed and agreed upon by the consumer in the Contract, and declines her request for the car balance to be cleared in full, as the repossession was lawful and consistent with the terms of the Contract and relevant law.
  
  For the foregoing reasons, it is our position that this matter should be closed as resolved.  If there are any questions, please reach out directly to me.
  
  
  Regards,
  *********** P. ****
  
  
  

• Initial Complaint

  Date:01/09/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally address an issue that has caused me significant concern regarding a recent inquiry made to my credit report, involving a charge of $20,000 related to a repo case. According to finbe I am being held responsible for this amount as a cosigner?, and I have been informed that an investigation was conducted which included visits to my aunts house, my grandparents home, and a ex-boyfriends residence. However, I do not recognize any of these names or the information provided by them.I have repeatedly tried to explain that I have been a victim of domestic violence, during which my personal credentials were stolen. As a result, I was forced to get a new Social Security card, passport, and drivers license. I have also experienced multiple data breaches through services like Equifax and TurboTax, which further complicates my situation and may have contributed to this erroneous charge.Despite my attempts to clarify these circumstances, I have not received adequate assistance from finbe . I have repeatedly requested documentation and proof of their claims, but they seem either unwilling or unable to provide the necessary information to resolve the matter. I am frustrated by the lack of understanding and support in this situation, especially considering the trauma I have already endured.I would appreciate your prompt attention to this issue, as it is having a serious impact on my credit and financial standing. I trust that you will give this matter the urgency and care it requires.Thank you for your time and consideration. I look forward to your response.

  

  Business Response

  Date: 01/13/2025

  Dear BBB,

  On 1/9/25, FinBe USA, formerly Credito Real USA Finance and AFS Acceptance (FinBe USA) received the consumers complaint alleging issues with credit reporting.  The that she is being held responsible for [a debt] as a cosigner, and that an investigation was purportedly conducted which included visits to family members and her ex-boyfriend.  The complaint further states that she does ntot recognize names or information provided by them and that she has been the victim of identity theft and data breaches. The consumer further states that she has purportedly requested documentation and =proof of claims but has not received adequate assistance from Finbe.  Although the complaint references a recent inquiry, the consumer submitted screenshots from her credit report with ********** that appear to be a tradeline associated with a FinBe USA auto loan account which she references in the complaint (charge of $20,000 related to a repo case).  The consumers desired settlement is correction a credit report.
  
  FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment sales contract (the Contract) for the consumers purchase of a used 2012 Chevrolet Tahoe (the Vehicle) from dealership ******************* in ***********, ** on or about 11/19/19.  The consumer is a co-buyer with ownership interest in the Vehicle (not merely a ********* as alleged in the Complaint) on the Contract with ******* ******. A copy of the Contract with assignment to FinBe (formerly Credito REal) is submitted with this response. 
  
  Notably, at the time of loan origination, the consumer executed a credit application and FinBe USA (then Credito Real) Credit Application Addendum, providing express consent to release information about [the consumers] credit experience, along with proof of income from her employer (*******************) and a copy of her Texas drivers license.  Copies of the credit application and addendum and photo ID are submitted with this response.
  
  To further investigate the consumers claims FinBe USA reviewed the account notes which reflect that the complainant consumer was the primary driver of the vehicle and that payments were made on the account until they stopped around April 2021. The notes reflect that FinBe USA spoke with the complainant consumer on a number of occasions, and that she had informed FinBe USA of mechanical issues with the vehicle (long after it was purchased) and a potential refinance.  After payments stopped, FinBe USA was able to make contact with the co-buyer, who identified himself as the consumers ex-fiance, but FinBe USA lost contact with the complainant consumer.  After attempts to reach the consumer failed,eventually, the vehicle was repossessed and sold at auction after only 13 payments for the loans 60 month term were made. After repossession, the consumer spoke with FinBe USA to inquire why the Vehicle was repossessed, and stated that it was picked up from her uncles house, and she was informed that neither customer was making payments and she failed to respond to FinBe USA's attempts to make contact.  The consumer was provided copies of relevant Notices of Sale and Explanation of Calculation of Surplus or Deficiency at the time the vehicle was repossessed and after its sale, respectively. Copies are provided with this response.
  
  FinBe USA acknowledges that it previously received credit disputes from the consumer in September 2023 and December 2024, but for the reasons herein, its investigations did not support the claims that she was not responsible for the debt or that FinBe USA had reported the account inaccurately. Nevertheless, while FinBe USA takes the position that no errors were made and makes no representations or waiver as to the validity of the debt or any legal rights to collect it, solely in an effort to fulfill the consumers desired resolution, on 1/13/25, FinBe USA submitted an Automated Universal Dataform (AUD) to the credit reporting agencies (CRA) to delete the tradeline so that it will no longer on the consumers credit report. 
  
  Accordingly, and for the reasons stated herein, it is our position that this matter should be closed.  If there are any questions, please reach out directly to me.
  
  Regards,
  *********** P. ****
  
  
  

  
  

  Customer Answer

  Date: 01/13/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ********

  Customer Answer

  Date: 01/13/2025

  To ensure everything is fully resolved, could we kindly request a ceased and desisted letter from the company in question, confirming that the issue has been addressed and that no further action is needed on their part? This will help us close the loop on this matter.

• Initial Complaint

  Date:11/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not responsible for the debt to FINBE **** There is no contract between me and FINBE **** and they have not provided the original agreement upon my request.

  

  Business Response

  Date: 11/12/2024

  Dear BBB,
  
  On 11/12/24, FinBe USA, formerly Credito Real USA Finance LLC (FinBe USA)received the consumers complaint alleging that she is not responsible for debt to Finbe, Inc. and that she has not been provided the original contract as requested. Interestingly, she does reference her FinBe USA account number *********** in the complaint.  The consumers desired resolution is removal of the account(s) from her credit report.
  
  The complainant consumer submitted a nearly identical complaint to the cfpb on 6/15/24 claiming that the debt does not belong to her and also claiming identity theft.  FinBe USA responded on 6/24/24 providing a copy of the relevant contract she claims was not provided, along with the results of its investigation which confirmed that the consumer does have a valid debt and is a current FinBe USA customer. ********************** provides a copy of the cfpb complaint with this response,along with its documents supporting its response, and reiterates its response as follows:
  
  To investigate the consumers claims, FinBe USA first reviewed its customer database, and confirmed a ********************** Real account wherein the consumer is a co-borrower with primary customer, Yeldrys ****** ******.  The customer information on the account matches the personal information provided by the consumer in her complaint (name, address, DOB, SSN).   FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment contract (the Contract)and security agreement for the purchase of a 2016 *************** (the Vehicle) from dealership Auction Direct (the Dealer) in *****, ** on or about 11/7/22.  A copy of the retail installment contract, executed by Yeldrys ****** ****** and the complainant consumer (with assignment to FInBe USA f/k/a Credito Real USA Finance, LLC) is submitted with this response. 
  
  At the time of financing, the consumer and Yeldrys ****** ****** completed and signed a credit application with the Dealer and a separate Credit Application Addendum with FinBe USA (formerly Credito Real) that expressly permits FinBe USA to obtain credit reports and release information about the consumers credit experience. Copies of the credit application and Credito Real Credit Application Addendum are submitted with this response. Importantly, the loan origination file also contains a copy of the consumers drivers license, which is IDENTICAL to the copy of the drivers license submitted with the complaint (compare image on p. 2 ******* ********* FINBE.pdf submitted with the complaint, and FinBe USAs Docs ************************ p. 10).  Moreover, the *** Identity Theft Report submitted with the complaint lists her FinBe USA account as an Account[]Affected by the Crime (twice), with Date fraud began as 1/2020 and 3/2020;however, the consumers FinBe USA account was not opened until November 2022.
  
  The loan payment history shows that the consumer and Yeldrys ************************* (co-obligors/co-borrowers on the loan) made only thirteen total payments on the loan.  The account notes reflect several communications with the consumer and primary borrower including inbound phone calls from the complainant consumerwherein FinBe USA made efforts to keep the consumers account performing with payment assistance options such as payment deferments.  However, in January 2024, the consumer and primary borrower informed FinBe USA that they wished to surrender the vehicle, leading to a voluntary repossession and eventual charge off of the loan in April 2024. Review of the reporting history of the loan reflect that FinBe USA has furnished accurate information on the account, reporting the voluntary surrender and eventual charge off. 
  
  For the reasons provided herein, along with the supporting documentation submitted with this response, FinBe USA disputes claims that the consumers account with ********************** was fraudulent or opened without her authorization.  Moreover, FinBe USA affirmatively states that it has reported the account accurately, and declines to submit a request to the **** to delete the account from the consumers credit report. 
  
  In sum, for the reasons stated herein, it is our position that this matter should be closed.  If there are any questions, the BBB may reach out directly to me.
  
  
  Regards,
  *********** P. ****
  
  
  
  
  
  
  

• Initial Complaint

  Date:10/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  SOUTHWEST CREDIT SYS ******************************************************** ************** October 19, 2024 To whom it concerns,This is a formal complaint letter about inaccurate information that is being currently furnished on my consumer credit reporting profile. (credit report) This account listed below is inaccurate and not in legal compliance with U.S Codes, 15 U.S. Code 1666b - Timing of payments, 15 USC 1681s-2 (7) Negative information, 15 USC 1681a (p) and U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. SOUTHWEST CREDIT SYSTE (Original Creditor: ******** ******XXX Both 1666b and 1681s-2(7) provides published evidence of why these accounts should not be furnished on my credit report. 15 *** 1666b in so many words stated that if procedures were not properly adopted when a creditor transmitted information to a consumer concerning payments from credit extended to them, which should not have been subjected to a finance charge on an open-end consumer credit plan, because statements were not received 21days prior to the specified statement date within said billing cycle. As a result, such items should not be furnished as a negative item on a consumers credit profile (credit report). Also, 15 USC 1681s-2(7) states, concerning negative items, if the consumer did not receive in writing before or within the specified 30-day requirement described in said title, that a negative item was furnished on their consumer credit report, that negative item should not be furnished, therefore, that furnished negative item is illegal because it is considered inaccurate information. Inaccurate information should not be furnished on a consumers credit report. With that being the case, we can confidently insinuate that the creditor was not in compliance with both 15 USC 1666b and 15 USC 1681s-2(7). Which constitutes, within my legal rights, the immediate removal of this inaccurate account.

  

  Business Response

  Date: 10/22/2024

  Dear BBB,
  
  On or about 10/19/24, FinBe USA, formerly AFS Acceptance LLC and Credito Real USA Finance LLC (FinBe USA) received the consumer complaint regarding allegedly incorrect account information on his credit report.  The consumers statement of the problem cites various portions of the Fair Credit Reporting Act 15 *** 1681 et seq. (FRCA) and miscellaneous sources regarding reporting of charge offs and cancelled debt.  Notably, the complaint makes no mention whatsoever of FinBe USA, but SOUTHWEST CREDIT SYS (Original Creditor: ******** leading FinBe USA to believe that the consumer filed complaints against numerous creditors on his credit report. The desired settlement is correction to a credit report.   
  
  Although none of the allegations in the complaint relate to FinBe USA, the complainant consumer is a former FinBe USA consumer, so to the extent any such allegations are raised against FinBe USA, it responds as follows.
  
  FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment sales contract (the Contract) for the consumers purchase of a used 2015 Buick Lacrosse (the Vehicle) from dealership ******************************** in ************, ** on or about 2/28/17.  The consumer is a co-buyer on the Contract with ****** ****. A copy of the Contract with assignment to FinBe (formerly AFS Acceptance) is submitted with this response. 
  
  Notably, at the time of loan origination, the consumer executed a credit application and FinBe USA (then AFS Acceptance) Credit Application Addendum, providing express consent to release information about [the consumers] credit experience. Copies of the credit application and addendum are submitted with this response.
  
  FinBe USAs records indicate that the customer made only 26 payments for the loans 72 month term. Shortly after the loan was originated, the consumer failed to timely make his August 2017 payment and the eventual payment was returned due to nonsufficient funds.  FinBe USA provided assistance in the form of a due date change and two payment extensions/deferrals and the consumer continued making payments (albeit routinely past the payment due dates) through September 2019.  The account notes show that the vehicle sustained an uninsured total loss in September 2019 and that the co-borrower stated her intent to surrender the vehicle with knowledge that she and the consumer were still obligated to repay the debt. The account was charged off in December 2019 and eventually sold in 2022 and FinBe USA no longer owns the debt.    
  
  
  To further investigate the consumers claims regarding credit reporting, FinBe USA reviewed the reporting history of the account on its loan management software and the credit bureaus (through Experian Bullseye without pulling a report or an inquiry) and confirmed that it has reported the account properly as a charged off account and denies the any claims that it violated the Fair Credit Reporting Act (FCRA). A copy of the loans payment history, which is consistent with FinBe USAs credit reporting is enclosed with this response. Moreover, to address the consumers claims that FinBe USA failed to provide statements 21 days before furnishing negative information on the consumers credit report,FinBe USA affirmatively states (as does the complaint) that this requirement applies only to open-ended consumer credit, such as a credit card.  Here, FinBe USA was the financing company for the consumers closed end retail installment contract, and as such, is not subject to the open-ended credit requirements of the **** as cited in the complaint. Further,because the account was sold, ********************** does not contend that it has a right to collect on the account however, under the ****, debts can appear on a credit report generally for seven years and in a few cases, longer than that. 
  
  In sum, FinBe USAs investigation confirmed that the consumer provided express written consent for it to report the account to the **** and that its reporting is accurate. For these reasons, this matter should be closed.
  
  If there are any questions, the BBB may reach out directly to me.
  
  
  Regards,
  *********** P. ****
  
  
  

  Customer Answer

  Date: 10/25/2024

   
  Complaint: 22444070
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ****

  I am rejecting this response because this  creditor ,FinBe USA,  has provided no evidence to prove that they did not violate the many congressional codes that I mentioned in my first dispute letter. Just provided irrelevant information that I did not ask for. The creditor also mention no specific laws or *** publications to back their actions. They vaguely mentioned Fair Credit Reporting Act 15 USC 1681 (vaguely) and NO lawful supporting evidence, they instead used the term miscellaneous. Also 15 usc  1602 L
  The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
  Driver license is a credit card a Social security card is a credit card based on truth in lendings ACT  definition. Because it is a card that is used to get money labor or services on credit. You did not take the  time to full conceptualize the specified issues that I stated in  my dispute letter. Also, my dispute sources is per congressional codes and *** publication(for example topic 431and 15 usc 1681s-2 regarding the responsibilities of a furnishers  when reporting a consumers information to credit reporting agencies and published information on those credit reporting agencies websites regarding Charge-OFF which correlate to income because it was WRIITEN OFF as  DEBT. Per the *** publication topic no.431, it says: After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. (Charge off: cancelled Debt!!!) Furthermore, you also disregarded many congressional codes. You either did not willfully follow them , or, turned a blind eye to those facts.
  Remove this account immediately.
  I will continue to aggressively dispute your inaccurate reporting with vigilance and veracity until they are remove.
  This wont be difficult as you are in violation of multiple congressional codes and *** publications.

  Customer Answer

  Date: 10/25/2024

   
  Complaint: 22444070
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ****

  I am rejecting this response because this  creditor ,FinBe USA,  has provided no evidence to prove that they did not violate the many congressional codes that I mentioned in my first dispute letter. Just provided irrelevant information that I did not ask for. The creditor also mention no specific laws or *** publications to back their actions. They vaguely mentioned Fair Credit Reporting Act 15 USC 1681 (vaguely) and NO lawful supporting evidence, they instead used the term miscellaneous. Also 15 usc  1602 L
  The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
  Driver license is a credit card a Social security card is a credit card based on truth in lendings ACT  definition. Because it is a card that is used to get money labor or services on credit. You did not take the  time to full conceptualize the specified issues that I stated in  my dispute letter. Also, my dispute sources is per congressional codes and *** publication(for example topic 431and 15 usc 1681s-2 regarding the responsibilities of a furnishers  when reporting a consumers information to credit reporting agencies and published information on those credit reporting agencies websites regarding Charge-OFF which correlate to income because it was WRIITEN OFF as  DEBT. Per the *** publication topic no.431, it says: After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. (Charge off: cancelled Debt!!!) Furthermore, you also disregarded many congressional codes. You either did not willfully follow them , or, turned a blind eye to those facts.
  Remove this account immediately.
  I will continue to aggressively dispute your inaccurate reporting with vigilance and veracity until they are remove.
  This wont be difficult as you are in violation of multiple congressional codes and *** publications.

  

  Business Response

  Date: 10/25/2024

  FinBe USA refers to its response to the consumer's prior complaint #******** which fully addressed all of the issues raised therein and affirmatively states that it fully investigated the dispute and complied with its duty to furnish accurate information as provided under the ****. The consumer defaulted under the terms of his retail installment contract and the debt is accurately reported as charged off and later sold to a third party debt buyer.

  The sale of charged off debt is not illegal as alleged in the complaint. Further, the account was not cancelled triggering the requirement to issue a Form 1099-C, contrary to what the consumer claims in the complaint. FinBe USA provides the following information from Equifax which distinguishes the difference between a charged off debt and a cancelled debt in order to assist the consumer.  ******************************************************************************************

   Regards, *********** P. ****

  Customer Answer

  Date: 10/25/2024

   
  Complaint: 22444070
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ****

  I am rejecting this response because this  creditor has provided no evidence to prove that they did not violate the many congressional codes that I mentioned in my first dispute letter. Just provided irrelevant information that I did not ask for. The creditor also mention no specific laws or *** publications to back their actions.
  You did not take the  time to fully  grasp  the specified issues that I stated in  my dispute letter. Also, my dispute sources is per congressional codes and *** publication (for example topic 431and 15 usc 1681s-2 regarding the responsibilities of a furnishers when reporting a consumers information to credit reporting agencies and published information on those credit reporting agencies websites regarding Charge-OFF which correlate to income because it was WRIITEN OFF as Debt.  Per the *** publication topic no.431, it says: After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. (Charge off: cancelled Debt!!!) Furthermore, you also disregarded many congressional codes. The mentioning of the published information stated on Equifax was lazy and purposely misleading as they are only credit reporting agency who is subjected to the guide lines set forth  by the credit reporting Bureau, who, upholds the legal requirements of The United Stares congressional Codes. The codes you insist on violating. Those codes protect consumers from predatory practices. And, furthermore, you do not have the consumers interest in mine, if you did, you would of already remove this inaccurate information. And per the *** and not a credit reporting agencys published interpretation of the law, that CHARGE-OFF is a clear indication they you have written off debt as a loss. Only income can be written off. 
  Stop providing irrelevant information as a valid lawful reason for your violation. 
  Remove this account immediately.

• Initial Complaint

  Date:10/16/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My signature was forged on a bank contract, from a truck I recently bought in 2022,. The original contract I signed is completely different from what the bank has on filed. Also the finance charges are different from the contract that I signed as well. I need to know what to do, because they are accusing extra charges that are not stated in the contract as well.Please advise.Thank you,***** ********

  

  Business Response

  Date: 10/23/2024

  Dear BBB,
  
  On 10/16/24, FinBe USA, formerly Credito Real USA Finance LLC (FinBe USA)received the consumers complaint alleging that her signature was forged on her bank contract.  More specifically, the complaint states that [t]he original contract [the consumer] signed is completely different from what the bank has on file[] and the the finance charges are different from the contract that [the consumer] signed as well,purportedly adding extra charges that are not stated in the contract. The consumers desired resolution is a refund and an explanation as to why there are two different contracts and why the consumers signature was purportedly forged.
  
  To investigate the consumers claims, FinBe USA first reviewed its customer database, and confirmed an active account wherein the customer information on the account matches the personal information provided by the consumer in her complaint (name, address, phone number, email).   FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment contract (the Contract) and security agreement for the purchase of a 2105 Chevrolet Silverado 1500 (the Vehicle) from dealership ************* (the Dealer) in *********, ** on 1/24/22. 
  
  To investigate the consumers claims, FinBe USA reviewed its internal servers where customer documents are stored (including the Contract and related funding documents) and the defi platform where it receives credit applications and contracts from its dealer partners to approve the consumers for financing and possible purchase and assignment of consumer retail installment contracts for financing of vehicles.
  
  Review of both systems showed that two contracts were executed by the Consumer and Dealer for purchase of the same vehicle and signed on the same date.  One contract provides for a first payment due 2/24/22, with an APR of 24%. The second contract provides for a first payment due 3/10/22 with an APR of *****%.  Copies of the contracts are provided with this response.  Unfortunately it is unclear as to why the contractual terms were changedperhaps the consumer requested a later date for her first payment due, or a change in first payment date could approve the consumer for more favorable terms (*****% APR vs. 24%APR)however, FinBe USAs systems loan management system reflects that the current loan APR is the lower *****% rate. A copy of the payment history showing account details is provided with this response.
  
  FinBe USAs account notes reflect that the consumer recently requested a copy of her contract, which was provided by a FinBe USA agent on 10/14/24; however, assuming that this was the contract submitted with the complaint, it appears the contract that was provided (has the incorrect, less favorable terms, and is not the subject contract to which the consumer has been making payments.  FinBe USA apologizes for any confusion this may have caused.  FinBe USAs investigation does not reveal any inconsistencies with the signatures in the two contracts or any other documents that appear to be signed by the consumer (additional documents signed at the time of the loan origination are submitted with this response).  As such,we are hopeful that this response provides clarity regarding the two contracts and that the consumer does not dispute the validity of the operative contract that has a lower interest rate (APR).  Moreover,the provided payment history and FinBe USA systems confirm that the consumers monthly $628.20 payments are accurately reflected in the operative contract.  FinBe USA does note, however,that the consumer is being assessed additional monthly amounts for a lender placed collateral protection insurance policy consistent with the terms of the Contract, as she has not obtained, or provided proof of coverage as required.  If the consumer has additional questions regarding her collateral protection insurance policy or the terms or authenticity of the operative contract, she can contact FinBe customer service toll free at ************.
  
  For the reasons provided herein, along with the supporting documentation submitted with this response, it is our position that this matter should be closed. 
  
  
  Regards,
  *********** P. ****
  
  
  
  
  
  
  

• Initial Complaint

  Date:09/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your "credit" report is an infringement of 15 usc 16922b.(2) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these ********** ************************************. ****************************. Cc Better Business Bureau. Cc State Senate. ****************************************. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. ***************************. **************************

  

  Business Response

  Date: 10/03/2024

  Dear BBB,
  
  On 9/23/24, FinBe USA, formerly AFS Acceptance LLC and Credito Real USA Finance LLC (FinBe USA) received the consumer complaint regarding billing or collection issues.  The consumers statement of the problem cites various portions of the Fair Credit Reporting Act 15 USC 1681 et seq. (FRCA) and Fair Debt Collection Practices Act 15 USC 1692 et seq. (*****) and appears to request removal of transactionsfrom his credit report.  The desired settlement section of the complaint makes various incomprehensible claims and requests for documentation, and closes with the request to immediately DELETE all data which cant be confirmed.  
  
  Primarily, to the extent that the consumer seeks validation of debt provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g et seq. (*****),which imposes such validation requirements on debt collectors, or alleges that FinBe USA is in any way violating the ****** FinBe USA asserts that it is not a debt collector as that term is used in the ****** As such, it is not subject to the ***** nor its validation of debt requirement. Nevertheless, it provides the following response.
  
  FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment sales contract for the consumers purchase of a used 2014 ****** Camry Dodge Dart (the Vehicle) from dealership ********************* in ******, AL on or about 2/23/17. A copy of the bill of sale for the Vehicle purchase noting that the vehicle would be financed by lienholder FinBe (formerly AFS Acceptance) is submitted with this response. 
  
  Notably, at the time of loan origination, the consumer executed a credit application and FinBe USA (then AFS Acceptance) Credit Application Addendum, providing express consent to release information about [the consumers] credit experience. Copies of the credit application and addendum are submitted with this response.
  
  FinBe USAs records indicate that the customer made only 24 payments for the loans 66 month term. Shortly after the loan was originated, the consumer failed to timely make his July 2017 payment.  The consumer coninuted making payments, albeit routinely past the payment due dates, through early 2019.  The accounts show several attempts made by FinBe USA to contact the customer to discuss payment options and offer assistance for the consumer to keep the Vehicle; however,after the final payment on 3/7/19 that all subsequent attempts to contact the consumer went without response, leading to the eventual repossession in June 2019 and charge off of the account in August 2019.  The account was eventually sold in 2022 and FinBe USA no longer owns the debt.    
  
  To further investigate the consumers claims regarding credit reporting, FinBe USA reviewed the reporting history of the account on its loan management software and the credit bureaus (through Experian Bullseye without pulling a report or an inquiry) and confirmed that it has reported the account properly as a charged off account and denies the any claims that it violated the Fair Credit Reporting Act (FCRA), or the ***** (to which it is not subject to as previously stated herein). A copy of the loans payment history, which is consistent with FinBe USAs credit reporting is enclosed with this response. As the account was *************************** does not contend that it has a right to collect on the account however, under the ****, debts can appear on a credit report generally for seven years and in a few cases, longer than that. 
  
  In sum, FinBe USAs investigation confirmed that the consumer provided express written consent for it to report the account to the **** and that its reporting is accurate. Accordingly, this matter should be closed.
  
  If there are any questions, the BBB may reach out directly to me.
  
  
  Regards,
  *********** P. ****
  
  
  

• Initial Complaint

  Date:08/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have a contract with FINBE USA They did not provide me with original contract as requested

  

  Business Response

  Date: 08/30/2024

  Dear BBB,
  
  On 8/30/24, FinBe USA, formerly Credito Real USA Finance LLC and AFS Acceptance LLC (FinBe USA) received the consumers complaint involving contract disputes. More specifically, the consumer claims he do[es] not have a contract with FINBE USA They did not provide me with original contract as requested. The consumers desired resolution is [c]orrections to my credit report [and] demand this account be removed from [the consumers] credit report
  
  To investigate the consumers claims, FinBe USA first reviewed its customer database, and confirmed a closed ********************** account under the consumers name that matches contact information provided in the BBB complaint.  FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment contract (the Contract) and security agreement for the purchase of a 2017 Dodge Charger (the Vehicle) from dealership ****************** in **********, ** (the Dealer) on or about 12/15/20.  A copy of the retail installment contract, executed by the consumer (with assignment to FinBe USA f/k/a AFS Acceptance, LLC and Credito Real USA Finance, LLC) is submitted with this response. 
  
  At the time of financing, the consumer completed and signed a credit application with the Dealer and a separate Credit Application Addendum with FinBe USA (formerly AFS Acceptance) which expressly permits FinBe USA to obtain credit reports and release information about the consumers credit experience.  Copies of the credit application and Credito Real USA Credit Application Addendum are submitted with this response.
  
  The loan payment history shows that the consumer began to fall behind on the account in October 2021. In an effort to keep the consumer current, FinBe USA offered, and the consumer accepted, a payment extension/deferment in November 2021.Unfortunately, the account soon fell behind again, though the consumer continued to make payments, albeit late.  A second payment extension/deferral was offered and accepted in June 2022, but the consumer again failed to timely make his next payment by the extended deadline.  The account became over 90 days past due and FinBe USA continued to work with the consumer by providing assistance options to keep him in the Vehicle.  The account notes show that the consumer would not surrender the vehicle for recovery despite being over 120+ days delinquent, and made two final payments in March 2023, but even after those payments, the account remained well over 100 days and $3000+ past due.  After no further payment arrangements in place, the account was charged off in May 2023 with FinBe USA reporting the account as such to the credit reporting agencies (CRAs) and eventually recovered in August 2023. 
  
  Before receiving the instant complaint, FinBe USA received indirect credit disputes from Experian regarding the consumers account through the E-OSCAR platform on 8/1/24 and 8/15/24 to which it timely investigated and responded, verifying the account information as accurate.   Further investigations into the reporting on the account in response to this complaint confirm that it has been reported accurately, and contrary to the claims in the complaint, FinBe USAs records do not reflect that the consumer made any prior requests for a copy of his contract.  Nevertheless, it is provided with this response.
  
  In sum, for the reasons stated herein, it is our position that this matter should be closed.  FinBe USA confirmed that the consumer was a FinBe USA customer who authorized ********************** to report the payment history on the account, and confirmed that it has reported the account accurately. 
  
  If there are any questions, please reach out directly to me.
  
  Regards,
  **********************************
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:08/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear ***/*****,I recently reviewed my credit report and discovered an error that indicates I am a victim of identity theft. I have enclosed copies of the relevant reports and documentation for your reference.The following account does not belong to me:Creditor: FINBE *** Opened Date: 12/13/2019 Account Number: ********* High Credit Amount: $20,969.00 I request that you investigate this matter and remove the fraudulent information from my credit report as per the Fair Credit Reporting Act (FCRA).Thank you for your prompt attention to this issue.

  

  Business Response

  Date: 08/26/2024

  Dear BBB,
  
  On 6/15/24, FinBe USA, formerly Credito Real USA Finance LLC and AFS Acceptance LLC (FinBe USA) received the consumers complaint alleging that the consumer purportedly discovered an error that indicates [the consumer is] a victim of identity theft.  The complaint identifies an account opened in 2019 with FinBe USA opened that the consumer claims does not belong to him and requests an investigation and removal of the fraudulent information from [his] credit report per the Fair Credit Reporting Act (FCRA).  Though the complaint references enclosed copies of the relevant reports and documentation for [] reference, no attachments were submitted with the complaint. The consumers desired resolution is correction to a credit report.
  
  To investigate the consumers claims, FinBe USA first reviewed its customer database, and confirmed a now-closed account opened in December 2019 as alleged in the complaint under the consumers full name,*********************************.  FinBe USA is an indirect auto lender who purchased, and was assigned the retail installment contract (the Contract) and security agreement for the purchase of a 2014 *** 6 Series Coupe (the Vehicle) from dealership H&H Motors II LLC in *********, ** (the Dealer) on or about 12/13/19.  A copy of the retail installment contract,executed by the complainant consumer (with assignment to FInBe USA f/k/a AFS Acceptance LLC) is submitted with this response. 
  
  At the time of financing, the consumer completed and signed a credit application with the Dealer and a separate Credit Application Addendum with FinBe USA (formerly AFS Acceptance) that expressly permits FinBe USA to obtain credit reports and release information about the consumers credit experience.  Copies of the credit application and Credito Real Credit Application Addendum are submitted with this response.
  
  The loan payment history shows that the consumer made just two total payments, before a third and final partial payment on 3/9/20.  The account history includes notes indicating that the consumer stated that he signed this car for his twin brother,********, and that the vehicle was involved in an accident within months of purchase.  Eventually, the loan was repurchased by the Dealer from FinBe USA on or about 6/8/2020 as a result of a breach of the representations and warranties of the Contract pursuant to the Dealer Agreement between the Dealer and FinBe USA, and the account was closed on 6/22/20.
  
  Review of the reporting history shows that the account was reported accurately with 30+ and 60+ Days Past Due Reporting after the consumer failed to make a full payment after 2/24/20, and reported as paid/closed on 6/30/20.  For the reasons stated herein, the results of FinBe USAs investigation do not reveal that the consumer was a victim of identity theft, that the account was reported incorrectly, or that there is fraudulent information on the consumers credit report.  Nevertheless, because the account was sold and the Vehicle purportedly totaled, in an effort to resolve the consumer complaint, on 8/26/24, FinBe USA submitted an Automated Universal Dataform (AUD) to the credit reporting agencies (CRA) to delete the tradeline so that it no longer appears on the consumers credit report. 
  
  Accordingly, and for the reasons stated herein, it is our position that this matter should be closed. If there are any questions, please reach out directly to me.
  
  
  Regards,
  **********************************