Consumer complaint received 2023-02-20
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX. SSN last XXXX XXXX. Originally, I have leased a Honda XXXX XXXX for 36 months. After that I had a 6  more months extension. All 42 payments were made on time. Now Honda Financial Services presents my already closed account in XXXXXXXX XXXX XXXXXXXX, as a 48 Month Lease and as delinquent. I have never signed for a 48 Month Lease with Honda Financial Services, it's a lie. Honda Financial Services must present as proof a copy of the 48 Month Lease, signed by me. Last year, Sat, XX/XX/XXXX, I became a victim of a scam at XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, California. A service advisor lied to me about the repair job of an item that was still under the Manufacturer 's Warranty. I caught the guy and his mechanic misrepresenting the facts and trying to load me with a payment of $ XXXX dollars. After I caught the guys, they fixed the problem in an hour. I have both copies of the Repair Invoices, showing the lie. After about a month I discovered that the car had some hidden damages, made by the mechanic : drilled holes in the tires, newly installed screw in a tire ; damages to the windshield blades. The car 's wheels and tires were covered with some kind of marks, like shapes of animals, animated characters from cartoons, like SpongeBob Square pants. I have pictures of the wheels and tires. The car was marked for further damages to be done and implemented by other mechanics in the future. I personally visited the XXXX XXXX XXXX on XX/XX/XXXX, and talked to the General Manager, XXXX XXXX. He gave me his personal business card and asked to send him an e-mail with my investigation file. I have never heard back any responses from XXXX XXXX ever. Then I filed a criminal report with the XXXX XXXX Police Department and called Honda Financial Services and explained to them the situation. After a few days, Honda Financial Services Reported my already closed account as delinquent, and as the result my Credit Score went down almost 70 points, from " good '' to " fair ''. The credit report doesn't even show my last payment on the 42 months lease, that I made on XX/XX/XXXX, that concluded my Lease Term. The car, Honda XXXX XXXX, is criminal evidence now, until the case is resolved. Honda Financial Services started a scare campaign against me, making calls to me, sending letters, reporting my closed account to all major Credit Bureaus as delinquent. Personnel of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, California is involved in regular illegal, criminal activities, damaging cars of customers. There is no other explanation to all the marks that my car was marked with. It's a systematic approach to the business and customers. Tires of a car with an intentionally damaged tire, like in my case, predrilled, can blow on a freeway, resulting in a fatal crash. This is scary! Employees of Honda Corporation are involved in such criminal activities!!! Shame! Here is a factual reference : Honda XXXX XXXX Criminal Investigation Filed XXXX XXXX Num XXXX.

Company response to consumer: Closed with explanation