Consumer complaint received 2023-11-28
Company: BMW Financial Services NA, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I follow your guidelines and rules very carefully and this is my fourth or fifth attempt with this company XXXX and their very very unprofessional and unethical practices of reporting this account that is not only from XXXX wellllll over the statutory limit rate and time frame but it is not mine! I have reached out to all parties involved and all of the other consumer reporting agencies have investigated this and taken it very seriously and after I provide my paper work and the proof of my whereabouts during this time they have erased this from my consumer file completely! And under code 15 U.S. code 1692 C C And this letter is a formal complaint that they are reporting an accurate, and then complete credit information. According to the fair credit reporting act section 609 a one a you are required by federal law to verify throughout the physical verification of the original sign, consumer contract, any and all accounts that you post on a credit report They have failed to positively verify these accounts, and have disabled my ability to obtain credit. Under the FCRA unverifiable accounts must be removed. You must remove the account listed and under federal law they have 30 days to complete the re-investigation. This is my fourth or fifth attempt to do this and now I am writing to the consumer financial protection bureau, as well as the federal trade commission. I have reached out to the creditor the original creditor, and I am also sending them a copy of this complaint, and I also have a complaint from them that I have filled out. I am also disputing this with XXXX once again. XXXX is the only credit report company that is still furnishing this on my credit report as the other consumer reports have investigated and properly remove this account from my credit reports. 
For the record I stayed again I have no account with you and or this company nor am I there customer nor have I entered into a contract with them. I must ask the following information please evidence your authorization under 15 USC 1692E and 15 USC 1692F in this alleged matter. 
What is your authorization of law for your collection of this inaccurate and falsified debt please evidence or authorization to do so, and please evidence proof of the alleged death, including specifically the alleged contract, or any other instrument bearing my signature, because they are currently in violation of the fair credit reporting act in the fair debt collection act. 

XXXX BMW FINANCIAL SERVICES INSTALMENT DATE OPENED XX/XX/XXXX ( wayyyyy over the FCRA timeline and guidelines ) Open/CLOSED CLOSED STATUS -chargeoff ( so its closed and a charge off? ) Updated XXXX XXXX ( once again illegal, because how are they updating my credit for and my consumer reports without my knowledge ) Past due amount XXXX ( amount cant be verified as my personal debt ) Terms XXXX XXXX Responsibility joint account Comments says that it has been transferred to recovery and has a charged off account at a fixed rate, which also is inaccurate and any information that I have been furnished with has been an inaccurate address that I have never lived out and can not be validated. I also have an identity theft paper from BMW, financial services of me requesting information as well, and I am going to keep going and keep writing next I am going to do another report and the federal trade commission and I will continue this one until this is taken off of my credit report off of my consumer file like it has been properly done with the other agencies, once again, this is in violation of my rights it is implementing me from having a fruitful life and has been verified as hill, legal and unverifiable and unconstitutional and not mine but yet and still this company wants to keep it on their credit report I am going to retain an attorney and continue investigation into this. I also know that all other parties involved that have never been contacted or reached out to and this is not affecting them like it is affecting me, I would like this completely removed from my consumer file with XXXX. This is not fair. This is a debt from XXXX that is not verifiable and was originated without my consent without my signature. I have not been furnished any original documentation from anywhere or anyone that furnish is my signature, allowing this debt or this business to take place or transfer through from any of the corresponding companies or parties involved and that is very serious, also XXXX has failed to respond in proper time frame so this time I am keeping track of the time frame it is XX/XX/XXXX and I am not taking this lightly. Thank you. 

The company itself BMW financial services has also sent me an identity theft form. They can not send me or furnish or verify anything with my name or my signature that is accurate everything they have is in accurate from the address to the telephone number and they did not get my updated information until I started reaching out to them to validate this debt. I want that on the record they still are not reaching out to me at my correct address and still do not have my address or my correct information because they can not validate the debt and do not have anything from XXXX when the debt originated that shows it is attached to me

Company response to consumer: Closed with explanation