Consumer complaint received 2023-02-12
Company: BMW Financial Services NA, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I started investigating this account a year or so ago when I started to personally Work on my credit and become financial and credit literate! This particular sccount originally opened in XXXX when I was on paper and provably in rehab for approx 18 months! This account is not mine! Never was mine! The vehicle is not mine never was mine or was seen by me! I have reached out to these companies XXXX and XXXX and bmw financial services letting them know I want proof of my signature my information on a application andPROOF that I legally requested this loan or a loan from this company be Put in my name! I have done my diligence and reached out to the XXXX credit report XXXX credit report and BMW financial services I have no issues getting this particular company investigated by XXXX XXXX and XXXX and XXXX will not help me. 

Not only that but on the credit report there is no original creditor listed there is no company sold to listed and it says closed charge off. It also has different information for XXXX  That is listed on XXXX. Which is in accurate it should be the same across all accounts it also has a different address and telephone number on the XXXX credit report. If it is closed who is the original creditor number XXXX and who has the company been sold to? Right there is INaccurate credit reporting it can not be closed and charged off and sold and have all three of these things as well as not have the company sold to or the original creditor listed. 
It also did not give me a full account number which makes it hard for me when I called BMW financial services about an account opened up from XXXX that they can not provide me with an application with my signature on it or any correspondence for that matter. 
It also says status updated XX/XX/XXXX but then proceeds to tell me that the balance was updated on XX/XX/XXXX so clearly they are continuously checking my report and updating it but they are avoiding my issue and not helping me. 
XXXX XXXX XXXX BMW financial services XXXX Account type auto loan Date open XXXX Open/closed closed Status charge off Status updated XX/XX/XXXX Balance XXXX Balance updated XX/XX/XXXX Paid off 49 % Monthly payment - Past due amount XXXX Original balance XXXX Term 65 months Comments transferred to recovery Contact info XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX This is all of the information on my XXXX credit report and my XXXX CREDIT REPORT! and I want the account completely removed immediately I am not requesting it I am mandatorily telling the company that it should be deleted I have provided a notarized statement as well as sent them a letter and I will send another letter with a copy of this report. This is very unethical and unprofessional and it is not fair that I can not reach out to the original collector or debt company and get anything with my signature or anything stating that this debt is even mine. I was in rehab for a total of 18 to 24 months and this time. I have notarized statements as well as Informative information that is personal and violates HIPAA showing that I was in XXXX during that time that I should not even have to send to these companies. I want this immediately handled I want XXXX immediately notified that I want this removed and I want the original creditor who it does not even tell us and does not tell us who it was even sold to I want them to get a copy and know that this is fraudulent and unprofessional and unethical and should immediately be removed from my personal account I did not sign for this loan or this amount of money nor do I have any recollection of it and I will continue to fight until this is off of my credit report. Not only is it being reported inaccurately On two credit reports that I can not even get in contact with the original company or get any help with this and that is not ethical.

I followed every rule for uploading this report I did not put any personal information in this statement however I did put what is on the credit reports in the statement like I said this is an accurate reporting and it is fraudulent I have reached out to these companies numerous times on my own and now I am requesting help from you thank you

Company response to consumer: Closed with explanation