Consumer complaint received 2019-10-14
Company: FORD MOTOR CREDIT CO.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint Against Ford Motor Credit Dear CFPB : I firmly believe in the old saying, If you give enough rope to a liar, cheater and manipulator, they will eventually hang themselves. 

Ford Motor Credit has done just that! On XX/XX/XXXX, Ford Motor Credit willfully,  knowingly and deceptively lied directly to you ( The CFPB ), in their best effort to hide both their unfair acts and deceptive actions while they attempt to cheat me financially, and maliciously cause unnecessary harms and unjust damages to me and my property. 

I am appalled to see Ford Motor Credits complete disregard for your authority as a governing body, their open and blatant willingness to disobey the law, and their disrespect for my Rights as a consumer. It is very disconcerting how boldly and confidently Ford Motor Credit commits these acts. It is as-if they are very accustomed to it, and its just part of their daily way of doing business. THIS LEADS TO QUESTION HOW MANY OTHER CONSUMER RIGHTS IS FORD MOTOR CREDIT VIOLATING? 

The FCRA clearly states that each VIOLATION of the FCRA can be pursued in a court of law for up to {$1000.00} dollars per violation, plus punitive damages and attorney fees and costs. Within this complaint, I am identifying at least EIGHT VIOLATIONS that Ford Motor Credit can, and will, be charged with, IF THEY DO NOT REMOVE THEIR VIOLATING ACCOUNT FROM MY CREDIT REPORT, IN ITS ENTIRETY, AND DELETE IT IMMEDIATELY. 

I bring this issue to the CFPB in my last effort to resolve their unfair and deceptive acts, outside of court. In my attempt to be reasonable and to act in good faith, I am presenting Ford Motor Credit one last chance to cure their wrongdoings and comply with my reasonable demands. One would hope they will stop their wrongdoings and instead realize the savings of additional legal costs, fines and fees, as well as public highlighting that will ensue due to their malicious wrongdoings. 

To put it plainly, Ford Motor Credit can willfully and peacefully remove their violating account, in its entirety, and delete it IMMEDIATELY, or they can do so by and through my attorney after extensive and broad discovery of the facts involved. Either way, their violations, actions and wrongdoings will be corrected! 

Please note, in my initial complaint to the CFPB I did not request you to exercise your authority or take any action against Ford Motor Credit. I merely required Ford Motor Credit to remove the violation information they are reporting on my credit report and to stop the unnecessary harms and unjust damages they are causing. 

However, due to Ford Motor Credits unjust and deceptive actions, willful negligence, false statements, dishonest documentation, and malicious actions solely for the purpose of causing unnecessary harms and unjust damages, I am now requesting for the CFPB to exercise your authority, and to punish Ford Motor Credit with Penalties for their wrongdoings. 

Additionally, I also request the CFPB to publish a public announcement, detailing Ford Motor Credits disgraceful actions in order to discourage them from repeating their  wrongdoings again in the future. 

AS WAY OF BACKGROUND : XX/XX/XXXX : I presented a debt validation letter directly to Ford Motor Credit requiring the production of a true and certified audit trail for the accounting of their alleged debt ; proof of lawful, proper and timely delivery of any and all required Legal Notices ; proof of the commercially reasonable manner of the resale of the alleged subject vehicle ; and proof that all allowable redemption and cure time limits were strictly adhered to, amongst other things. 

XX/XX/XXXX : Ford Motor Credit submitted a very generic STATEMENT OF ACCOUNT that is BACKDATED to XX/XX/XXXX, and they refused to provide even ONE of the specific documents required to validate their alleged debt, or to show STRICT PROOF of their required Legal Notices. 

XX/XX/XXXX : I mailed a Notice of Default and Right to Cure to Ford Credit via the USPS, Certified Mail, Return Receipt requested. 

XX/XX/XXXX : Ford Motor Credit signed for and received the Notice of Default and Right to Cure, and they have refused to respond in any manner whatsoever. Yet they still report their multiple violations on my report. 

XX/XX/XXXX : I filed my original complaint with the CFPB against Ford Motor Credit ( Complaint ID : XXXX ). I attached a very detailed complaint with supporting documentation, describing numerous violations of the FCRA that Ford Motor Credit is  reporting on my credit report. 

XX/XX/XXXX : I received an e-mail notification from the CFPB regarding a response from Ford Motor Credit, and confirmation that my complaint has been CLOSED based upon the response and supporting documentation the CFPB received directly from Ford Motor Credit. 

XX/XX/XXXX : I am immediately responding to both the UNFAIR ACTS and also the DECEPTIVE ACTIONS being committed by Ford Motor Credit. THEY SUBMITTED FALSE STATEMENTS AND MISLEADING DOCUMENTATION TO DECEIVE THE CFPB, TO HIDE THEIR WRONGDOING, AND TO CONTINUE THE UNNECESSARY HARMS AND UNJUST DAMAGES THEY ARE CAUSING. 

Although Ford Motor Credits statement in response and supporting documentation look quite compelling on the surface, they are indeed false, fabricated, and lacking in merit. Their rendition of the alleged events and alleged accounting are HIGHLY CONTESTED, and their continued reporting is VIOLATING the FCRA in at least 8 different ways. 

In my enclosed complaint, I am providing STRICT PROOF that Ford Motor Credits response is not only lacking in truth and veracity, but is also intentionally misleading, deceptive, and conniving. 

Please see the EIGHT VIOLATIONS I am presenting and attaching hereto :

Company response to consumer: Closed with explanation