• Report: #830209

Complaint Review: Triad Financial Inc

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  • Submitted: Sat, January 28, 2012
  • Updated: Sun, January 29, 2012

  • Reported By: debbie1978 — Charlotte North Carolina United States of America
Triad Financial Inc
Internet United States of America

Triad Financial Inc Santander Consumer USA Beware!! Triad Financial will try to ruin your credit Internet, Internet

*Consumer Suggestion: Send your documentation to the credit bureau's

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0Author 1Consumer 0Employee/Owner

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I had consigned a loan for my ex-fiance back in 2002 thru Triad financial. He was unable to get a loan because he had no credit. He than lost his job and was unable to make car payments. He did a voluntary repossession. After that point he had moved back to NY. I had some hard times and in 2003 claimed chapter 7 bankruptcy which included this debt. They had tried to contact to me after the bankruptcy was discharged looking for remaining amount. I advised them that it was included in bankruptcy and provided the phone number to reach my ex who was on the loan. For years when I check my credit report it showed that it was discharged. All of a sudden I receive my free annual credit report to find Santander Consumer Inc on my account. I had no clue who it was but it was showing that is was opened 2002 and just came on as report in Sept 2010. Triad had given the information to this company that had placed it on my credit report to collect a debt that was included in my BANKRUPTCY! That is a violation of the order. Buyer beware because they do not care of about the laws they are just predatory loan sharks! I am filing a complaint with the BBB and disputing information with the credit report bureaus. This is illegal!!

This report was posted on Ripoff Report on 01/28/2012 11:27 AM and is a permanent record located here: http://www.ripoffreport.com/r/Triad-Financial-Inc/internet/Triad-Financial-Inc-Santander-Consumer-USA-Beware-Triad-Financial-will-try-to-ruin-your-830209. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

Send your documentation to the credit bureau's

AUTHOR: Tagurit - (USA)

You'll need to provide your documentation to all three credit bureau companies.   They should be able to remove this from your credit report given the situation you've described as well as the fact the debt is now over 7 years old.   In fact they are requried by law to fix this for you.   I would then send a letter to the debt collection company stating if they again attempt to place this on your credit report that you will file a lawsuit for violation of the FDCRA as well as slander/defamation and harrassment.
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