Consumer complaint received 2023-06-20
Company: Harley Davidson Financial Services Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against Harley Davidson Financial Services regarding the inaccurate and unauthorized late payments being reported on my account. This is my second request to have the issue corrected, and despite sending a notice of intent to sue on XX/XX/XXXX, the problem remains unresolved. I am now considering pursuing litigation if my account is not reported accurately as paid as agreed or never late. 

Details of the Complaint : Account Holder Name : XXXX XXXX Account Number : XXXX Date of Incident : XX/XX/XXXX Notice of Intent to Sue Sent : XX/XX/XXXX ( Delivered via USPS ) Explanation of the Issue : I have been a customer of Harley Davidson Financial Services for [ duration ] and have diligently made all my payments on time. However, I recently discovered that there have been several late payments reported on my account that are both inaccurate and unauthorized.

Despite my repeated attempts to rectify this matter, including my initial request dated [ date of first request ], the erroneous reporting continues. This has had a severe impact on my creditworthiness and financial standing, causing undue stress and frustration. 

Actions Taken : XXXX. On XX/XX/XXXX, I contacted Harley Davidson Financial Services via a phone call to resolve the matter, I explained the issue and requested immediate correction of the inaccurate late payment reporting. I was assured that the matter would be resolved promptly. 

XXXX. After not seeing any improvement, I sent a written request via certified mail on XX/XX/XXXX, which was received by Harley Davidson Financial Services on XX/XX/XXXX. In the letter, I reiterated the problem and provided all necessary supporting documentation to facilitate the correction process. 

XXXX. On XX/XX/XXXX, I sent a notice of intent to sue via USPS, which was delivered on XX/XX/XXXX. This step was taken to express my seriousness about resolving the issue and avoiding any further negative impact on my credit. 

Requested Resolution : I demand that Harley Davidson Financial Services correct the inaccurate late payment reporting on my account immediately. Specifically, I request that my account be reported as " paid as agreed '' or " never late '' as per the original terms of the agreement. Additionally, I insist on receiving written confirmation of the corrections made. 

Failure to address this matter within a reasonable timeframe will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages caused by this negligence. 

Enclosed with this complaint, please find copies of all relevant documentation, including records of communication, the notice of intent to sue, and any other supporting evidence. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against Harley Davidson Financial Services to rectify the reporting inaccuracies and prevent similar incidents in the future. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation