Consumer complaint received 2022-04-04
Company: CarMax, Inc.
State: GA
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:
To whom this may concern, Please see enclosed document from XXXX XXXX. I received a letter from XXXX XXXX stating the information you have placed on my personal credit profile wasnt and couldnt be verified by XXXX XXXX and has been removed from my personal credit profile. Who verified this FALSE information? Either this was an is an ERROR or a LIE a this must be REMOVED immediately. Also please place a FREEZE on my account Ive enclosed a copy of my Drivers License, social security card. 
Im writing you once again asking you to remove INACCURATE DEROGATORY items listed below of my personal credit profile ASAP!

This is my final attempt I will be seeking legal action after the notice.

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX ( account was never late ). 3 ) XXXX XXXX XXXX XXXX XXXX ( account was never late ). 4 ) US Dept Of Education XXXX XXXX XXXX Carmax Auto Finance Inquiries : 1 ) XXXX XXXXl 2 ) XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX The inaccurate derogatory information listed above Im requesting be REMOVED ASAP. 
XXXX you have violated my rights for the past 2 years, as a citizen I have a RIGHT to have a public record, but as a CONSUMER congress gives me a right to and accuracy, fairness also privacy. 
15USC1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

Company response to consumer: Closed with explanation