Consumer complaint received 2018-03-08
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX American Honda Finance On XXXX XXXX, I requested written verification of an alleged debt Acct # XXXX .... This account may have some errors, check out the Number, payment status and high credit and if anything wrong is found please fix or omit it. 
that American Honda Finance claim I owe, but to no avail did they validate the date or even responded. 



I would like to request your help with a problem that I am having with American Honda Finance on XXXX XXXX, I requested a verification of debt from American Honda Finance . I have yet to receive a response in what was asked for- their silence is their agreement to the facts. American Honda Finance failed to provide me with a legal verification of this account under the rules of evidence and I am demanding that American Honda Finance delete this account from all credit reporting agencies ( XXXX, XXXX, XXXX  ), because they have not abided by the laws of the Federal Trade Commission. 

1. 1681s-2b a. FCRA investigation and fraud affidavits Does furnisher conduct a reasonable investigation in response to an ACDV if it asks the debtor to provide a fraud affidavit or a police report? Answer. No. A consumers refusal to fill out police report or fraud affidavit does not impact the furnishers duty to conduct a reasonable investigation. See XXXX v. XXXX XXXX XXXX. XXXX, 696 F.3d 611 ( 6th Cir. 2012 ) The text of of 1681s-2 ( b ) does not permit furnishers to require independent confirmation of materials contained in a CRA notice of a dispute before conducting the required investigation. The issue is whether or not the Defendants actual investigation was reasonable, and not whether it was reasonable for Defendants to have an optional, more thorough review available to the Plaintiff if she would provide them with information they should already have had or prove to them that she was indeed dead. 1681s-2 ( b ) does not specifically permit information furnishers to demand further documentation from consumers before conducting an investigation. 

b. If a consumer disputes information with the CRA, both the CRA and the furnisher have a duty to reasonably investigate and verify that the information is accurate. 15 USC 1681 ( a ) ( 1 ) ( A ), 1681s-2 ( b ). XXXX XXXX XXXX XXXX XXXX Also, American Honda Finance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after " American Honda Finance15025 .... '', furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.

Please enclosed Proof FTC LETTERS and American Honda asking for identification ( violation ) of social security #, ID, etc. to verify debt, in which If placed on my personal credit reports should already have. I will be turning this over to FCRA national attorney for FCRA violations if not removed.

Company response to consumer: Closed with explanation