VW Credit, Inc Consumer Loan Complaint

VW Credit, Inc Consumer Loan department,

Vehicle loan Problems when you are unable to pay Kentucky

On my credit reports with -, -, and - is a repossession from Volkswagen Credit , Inc. with a deficiency balance of $2000.00. I previously disputed this account information in - 2015 with all - credit reporting agencies and Volkswagen Credit , Inc. verified the accuracy of the account with all - credit reporting agencies. I then sent letters directly to Volkswagen Credit , Inc. to attempt to resolve this matter. It should be noted that each credit bureau lists a different contact address for Volkswagen Credit , Inc. which obviously complicates the resolution process. Of the - letters sent, - was returned to me by the USPS as an invalid address ( which is a violation of the FCRA for a creditor to fail to provide proper contact information in a credit report ) and the other - letters were ignored. These letters were sent Certified Mail, Return Receipt and I received confirmation of


A subsequent follow-up letter was also ignored. On - -, 2015 I sent Volkswagen Credit , Inc. another letter, to their Collections/Recovery/Credit Reporting department in -, -. In that letter, I reminded them of their obligations : Under the laws of the State of -, the Uniform Commercial Code, and State RISA and MVISA statutes : A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I requested such documentation be provided within 14 days, as is my right. As no such documentation was received by me within the allowed time-frame, the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.