Consumer complaint received 2020-10-20
Company: FORD MOTOR CREDIT CO.
State: KY
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:
I recently filed a complaint with CFPB on Ford Motor Credit Company the complaint ID is XXXX that was on XX/XX/XXXX, of XXXX on trying to get them to remove the closed charged off account from my report because of my ex-wife forging my name after doing that they said they were within there rights to keep reporting the charge off on all 3 of my credit bureaus .well after you guys closed the complaint they reported to all the credit bureaus that this was a " New closed account '' from this year I noticed right away because my score dropped about 50 point on my report well I had my credit report pulled for XXXX  and at first I didn't realize a change it took me about 5 minutes to realize that what they had changed on the credit report it was the original close date that was in XX/XX/XXXX had been changed to a closed date of XXXX dropping my score 50 points because it was looking like they just closed the account well once I noticed I compared it to a previous XXXX  credit report with the correct close date of XX/XX/XXXX and once I verified it was reported wrong and dropped my score 50 points because it looked like a " New closed account '' .. I called XXXX  to let them know and had to make a dispute to get the info corrected. well today XXXX I received mail saying that the dispute was over and Ford Motor Credit Company reported the date was correct for the close date of XXXX so I called XXXX  to see what was going on and why it was not corrected to the correct close date of XX/XX/XXXX they said that they did the dispute and that Ford Motor Credit Company reported back that the close date for XX/XX/XXXX is correct " IT'S NOT I have proof ". I have disputed this account with Ford Motor Credit Company multiple times before reporting them to CFPB and never once had they changed the closed date from the original close date of XX/XX/XXXX to something else they did not only do this with my XXXX  report but they also reported the same way to my XXXX  report changing the date and I notice the change for that yesterday XX/XX/XXXX because of my score dropped 50 points and I called to report it to XXXX  and disputed the same thing with the right delinquent date being in XXXX not XXXX. I also filed a second dispute with XXXX for them to fix it Again. I have disputed the Ford Motor Credit Company with all 3 credit bureaus multiple times Before and have never had a problem with them reporting the incorrect close date on the report. This is a violation of the Fair Credit Reporting Act of Ford Motor Credit Company knowingly reporting false info to the credit reporting agency I have disputed the incorrect info with the credit bureaus and Ford reported back it was correct info on the close date XXXX with XXXX  when they know it isn't and it hadn't changed in 5 years. once I reported The Ford Motor Credit Company to the  CFPB all the sudden they change the close date from the actual closed date in XXXX to the New close date of XXXX to drop my score on purpose and then when I disputed the date they would not change it back to the correct close date of XXXX saying that the date was correct of the account being closed in XXXX instead of XXXX when it really was closed in XXXX .This is retaliation against me for reporting them to the CFPB and a violation of the fair credit reporting act and I demand them to remove the charge off accounts completely from all 3 credit reports for knowingly reporting false information to the credit bureaus to lower my score by 50 points to hurt me financially and saying it was correct when I disputed the information and if they do not remove these charge off accounts from all 3 of my credit reports completely I will move forward because they have violated the fair credit reporting act against me and I have done research and I am in the rights of the fair credit act to move forward with them if the do not remove theses accounts and knowingly reporting fraudulent information. I have attached 2 XXXX  reports one with correct info and the one with incorrect info the same with XXXX  i have attached one with correct info and one with the new incorrect info I have also attached a copy of the dispute with XXXX  that I received today XX/XX/XXXX showing they did not update and fix to the correct close date of XX/XX/XXXX when I dispute with XXXX  instead ford reported close date of XX/XX/XXXX being correct when they know it isn't .. If the CFPB needs any other info please let me know .once again if Ford motor credit company does not do the right thing completely removing these closed account from all 3 bureaus after fraudulently reporting to the credit bureaus incorrect info on the close dates and not fixing it when disputed with the correct info I will take this to the next level because they have hurt me financially by reporting fraudulent info to the bureaus and Dropping my score by over 50 points and not fixing it.

Company response to consumer: Closed with explanation