- Report: #1028923
Complaint Review: GMAC - TROY Michigan
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Author Not Confirmed
Why?
GMAC
PO BOX 7041 TROY MI TROY, 48007-7041800 Michigan, U.S.A.
Phone:
800-551-5377
Web:
N/A
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GMAC FALSE CREDIT REPORTING AFTER BANKRUPTCY RIPOFF TO CONSUMERS TROY Michigan
on october 2001 i filed joint bankruptcy with my wife.I LISTED GMAC IN MY BANKRUPTCY PETION AND IT WAS DISCHARGED ON JANUARY 2002.I NEVER REAFIRMED THIS AUTO LEASE.
I turned the car back in to the dealer barberino pontiac wallingford ct. this account GMAC is now showing up as a charge off profit and loss writeoff with a balance $4,215 on my transunin credit report printed on august 5 2003 this inacurate reporting has destroyed my credit score.
GMAC IS REPORTING THIS DISCHARGED ACCOUNT IN VIOLATION OF THE US BANKRUPTCY CODE.I HAVE MADE NUMEROUS CALLS TO GMAC AND TO NO SATISFACTION.I DISPUTED THIS WITH TRANSUNION AND IT COMES BACK VERIFIED BY GMAC.
THIS RECENT CHARGEOFF WITH A BALANCE HAS HURT ALL MY CHANCES FOR ANY TYPE OF CREDIT.THIS FALSE CREDIT REPORTING IS DEFAMATION AS WELL AS WILLFUL INJURY, FCRA SECTION 623 VIOLATION.
I CONSULTED A LAW FIRM IN NEW HAVEN THAT WANTS TO TAKE THE CASE. I FEEL THAT AFTER PUTTING US THRU 2 YEARS OF SUFFERING AND MENTAL DISTRESS WE DESERVE BETTER THAN THAN THIS. THIS ACCOUNT SHOULD BE REPORTED AS INCLUDED IN BANKRUPTCY CHAPTER 7 -0 BALANCE UNRATED. THANK YOU FOR TAKEING THE TIME TO READ THIS.
Eric
EAST HAVEN, Connecticut
U.S.A.
I turned the car back in to the dealer barberino pontiac wallingford ct. this account GMAC is now showing up as a charge off profit and loss writeoff with a balance $4,215 on my transunin credit report printed on august 5 2003 this inacurate reporting has destroyed my credit score.
GMAC IS REPORTING THIS DISCHARGED ACCOUNT IN VIOLATION OF THE US BANKRUPTCY CODE.I HAVE MADE NUMEROUS CALLS TO GMAC AND TO NO SATISFACTION.I DISPUTED THIS WITH TRANSUNION AND IT COMES BACK VERIFIED BY GMAC.
THIS RECENT CHARGEOFF WITH A BALANCE HAS HURT ALL MY CHANCES FOR ANY TYPE OF CREDIT.THIS FALSE CREDIT REPORTING IS DEFAMATION AS WELL AS WILLFUL INJURY, FCRA SECTION 623 VIOLATION.
I CONSULTED A LAW FIRM IN NEW HAVEN THAT WANTS TO TAKE THE CASE. I FEEL THAT AFTER PUTTING US THRU 2 YEARS OF SUFFERING AND MENTAL DISTRESS WE DESERVE BETTER THAN THAN THIS. THIS ACCOUNT SHOULD BE REPORTED AS INCLUDED IN BANKRUPTCY CHAPTER 7 -0 BALANCE UNRATED. THANK YOU FOR TAKEING THE TIME TO READ THIS.
Eric
EAST HAVEN, Connecticut
U.S.A.
2 Updates & Rebuttals
Krista
Wichita,Kansas,
U.S.A.
it would stand to reason that a lease vehicle would be handled differently
#2Consumer Comment
Sat, September 20, 2003
Just a thought... I am not a lawyer, nor do I know the laws of bankruptcy, but it would stand to reason that a lease vehicle would be handled differently than a regular purchase. The lease obligation would have been discharged, but what about the residual? There are two separate parts to a lease. That could explain why they were able to charge off an amount. again, I do not know the laws, but I do know leases. GOOD LUCK!
Bob
Raleigh,North Carolina,
U.S.A.
Your Attorney Can Help
#3Consumer Suggestion
Sun, August 31, 2003
Have your bankruptcy attorney write GMAC and the credit bureau reminding them that the lease was included in your Chapter 7. They might not charge for this. If you files without an attorney, write your bankruptcy judge for help. Sears lost millions because of a consumer letter to a judge. The Chapter 7 will stay on your report 10 years, but you may be able to get credit.
