Product: Credit reporting or other personal consumer reports

Description of the Issue : I am submitting this complaint to highlight several issues involving my account with Ford Motor Credit, including misrepresentation of loan terms, inaccurate reporting, and improper debt collection practices. Below is a detailed account of the events : Misrepresentation of Loan Terms and Predatory Practices On XX/XX/XXXX, I entered into an agreement with Ford Motor Credit under the impression I was leasing a vehicle. The car salesman assured me I could return the vehicle voluntarily at any time, given my reliance on XXXX XXXX XXXX ( XXXX ) and the importance of avoiding a long-term financial obligation. Despite my concerns, I was misled into signing a six-year contract that did not align with the verbal assurances provided. 

Inaccurate Reporting of Late Payments In XX/XX/XXXX, Ford Motor Credit reported a XXXX late payment, despite my payment being made by the end of that month. Additionally, payments for XXXX, XXXX, XXXX, and XX/XX/XXXX were inaccurately reported as late, even though I made timely payments. These discrepancies are reflected in my credit report, which inconsistently labels certain months as on-time while others are marked late. 

Incorrect Classification of Account XXXX The account is inaccurately reported as an " Automobile '' installment loan rather than a " credit sale '' on my credit report. Ford did not lend me money for installments but instead facilitated a credit sale, making this classification factually incorrect. 

Fraudulent Repossession Claim In XX/XX/XXXX, I voluntarily returned the vehicle to the dealership without signing any documentation. The dealership agreed to retrieve the vehicle from an agreed-upon location. Despite this, my credit report inaccurately states the vehicle was repossessed in XX/XX/XXXX, misrepresenting the voluntary surrender as a repossession. 

Lack of Debt Validation and Improper Collection Practices I requested validating documentation for the alleged debt, including the original contract and receipts for GAP insurance payouts. These requests were ignored, and a Ford representative falsely claimed a court judgment existed against me, which I confirmed with the XXXX XXXX XXXX was untrue. 

Improper Charge-Off Reporting Ford reported a charge-off for this account in XX/XX/XXXX, even though the vehicle was returned in XX/XX/XXXX. Charge-offs are required to be reported within XXXX to XXXX days of delinquency, and this delayed reporting violates federal guidelines. 

Actions Taken by Me : I made repeated requests for documentation and debt validation. 
Verified with the XXXX XXXX XXXX that no court judgment exists. 
Disputed inaccuracies with credit reporting agencies. 
Resolution Requested : I request that Ford Motor Credit take the following actions : Remove all late payment designations for XX/XX/XXXX through XX/XX/XXXX. 
Correct the account status to " Voluntary Surrender ( VS ) '' instead of " Repossession ( RF ). '' Delete the account from my credit report due to misrepresentation, improper reporting, and lack of validation. 
Provide all requested documentation, including the original contract and receipts for the GAP insurance payout.

Investigate and address the false claims made by Fords representatives, including harassment and misrepresentation of a court judgment.

Ford Motor Credits actions have caused significant financial and emotional harm. I trust that the company will investigate these matters thoroughly and take appropriate corrective measures. I look forward to receiving a written response within 30 days.