Consumer complaint received 2021-07-08
Company: Mercedes Benz Financial Services
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mercedes-Benz Financial is willfully and unlawfully listing false information and attempting to illegally reage an account on my credit report in violation of the Fair Credit Reporting Act and to try to collect on a debt that is not owed. 

I had a lease with Mercedes Benz from XXXX to XXXX. I paid every payment in full ( never late ) down to a XXXX  balance. At the conclusion of the lease, after I turned in the car, Mercedes claimed that I owed them a debt that I did not owe. They sued me and the case was dismissed. Despite this, they are still reporting 100 % false information to my credit report. 

I have already disputed this account multiple times and notified the credit bureaus and Mercedes-Benz Financial that the information being reported is false. The false and inaccurate information being reported includes, but is not limited to the following : Status Update - I have disputed this account multiple times, including most recently in XXXX of XXXX and the status update still states XX/XX/XXXX, meaning neither XXXX or Mercedes-Benz financial conducted an investigation as a result of my dispute. 

Account in Dispute - I have disputed this account multiple times, and this account fails to provide notice with a notice or statement listing that this account is in dispute. 

Balance - I do not owe a balance to Mercedes-Benz Financial. I had one 48-month installment loan with Mercedes-Benz Financial which opened in XXXX of XXXX and closed in XXXX of XXXX when the installment loan for a car lease was paid in full. 

Highest Balance - This account lists the highest balance at {$0.00} which contradicts with the original balance listed of {$27000.00}. 

Term - This account lists a term of one month. This information is false and inaccurate. I never had any account with Mercedes-Benz Financial for a term of one month. I had a 48-month installment loan for a car lease that started in XXXX of XXXX and ended in XXXX of XXXX. 

On Record Until - This accounts on record until date is incorrect. The only account I have ever had with Mercedes-Benz financial ended in XXXX of XXXX and by law it can only be listed on my report until seven years after the date of last activity. 

Payments - This account falsely lists that I made payments to Mercedes-Benz Financial on this account in XXXX, XXXX, and XXXX in an illegal attempt to make it look like this debt is valid and/or that it is a new charge-off on my report. The last payment I ever made to Mercedes-Benz was in XXXX of XXXX on my 48-month installment lease. I never made any of the following payments listed on my credit report as of XX/XX/XXXX. 

XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT I do not owe Mercedes-Benz Financial any money and Mercedes Benz is using illegal tactics of 1 ) listing an account I do not have and false information, 2 ) Using an old account number to provide false information 3 ) attempting to unlawfully reage an old account in violation of the Fair Debt Collection Practices Act and multiple consumer protection laws. 

I had an installment loan with Mercedes Benz Financial ( account # available upon request ) for 48 months and I paid every installment payment in full down to a {$0.00} balance and I never made a late payment. The installment loan began in XXXX of XXXX and ended in XXXX of XXXX. 

In an entirely separate contractual dispute, Mercedes-Benz Financial sued me in XXXX for breach of contract. I disputed the debt in court and it was dismissed because I do not owe them any money. Mercedes-Benz Financial is fully aware that my account with them was paid in full, that they lost the contractual dispute, and that they have no legal right to continue this unlawful collection activity. The account information they have listed on my report is false. 

I have attached the following documents to support my assertions. 

1. A copy of the Contract Information showing XX/XX/XXXX, start date and XX/XX/XXXX, end date for the installment loan I had with Mercedes-Benz Financial. 

2. A copy of the final Balance Statement showing that I paid the account down to a {$0.00} balance in XXXX of XXXX. 

3. A copy of the lawsuit dismissal showing that lawsuit filed against me by Mercedes Benz Financial in XXXX for Breach of Contract was dismissed. The Breach of Contract lawsuit was an entirely separate contractual issue from the installment loan, and that suit was also dismissed because I paid Mercedes Benz Financial all money that I owed to them.

Company response to consumer: Closed with explanation