Consumer complaint received 2023-11-26
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Not only has Ford not followed through WITH ANY of the alleged relief it warranted it that it would provide in the XX/XX/XXXX response -- but, Ford has wholly ignored portions of the written complaint/otherwise failed to acknowledge or address the complaint 's specific and detailed issues and request for information : no Affidavit of Repossession has been provided, Ford is ignoring the request outright, again, and also ignoring the specific request for a copy of the estimate/invoice/actual bill of sale from auction/details related to the reasonable commercial sale of the vehicle requirements, ( no information related to the aftermarket parts inclusion, valuation/ inclusion of both keys, or specific information related to the " frame damage '' in Inspection of the vehicle for sale at auction as reported in a vin search now for the vehicle ) to determine the impact these matters all had on the price of sale ; further, Ford has wholly ignored the statutorily required terms of notice to complainant, and has refused by omission to address the complaints allegations of such violations ; yet it makes concession of its liability by promising removal of the deficiency balance as relief to Complainant, yet STILL HAS FAILED TO COMPLY WITH EVEN ANY OF ITS REMEDY ASSERTIONS/WARRANTIES OF THE Response. 
F Ford never removed the deficiency balance, but where it could and should have done so on XX/XX/XXXX when it did update the bureaus of new remarks that DO NOT EVEN COMPORT WITH THE ACTUAL PROMISE OF REMARK change from the Response. Specifically, Ford has made explicit guarantee that " in the interest of customer service '' Ford Credit has waived my deficiency balance. This, in lieu of actually responding to the multiple requests, issues, and cited violations listed in my XX/XX/XXXX complaint. But even still, Ford made the assertions/concessions of 1 ) monetary relief in the amount of the deficiency balance, {$2400.00}, 2 ) stating that it would " also submit an update to the Credit Reporting Agencies to reflect a XXXX balance. '' 3 ) Ford stated that I must " allow 30 days for the update to reflect with the credit bureaus. '' 4 ) Further, Ford asserted it " would submit a notification to the Credit Reporting Agencies that [ complainant ] disputed the information reported on her account and we have completed our investigation. '' Ford 's response was submitted XX/XX/XXXX ; XXXX days from that date, as Ford warranted under 3 ) above, would have been on or about XX/XX/XXXX. However, as of this date, XX/XX/XXXX, XXXX HAS NOT ACTUALLY REPORTED THE PROMISED MONETARY RELIEF CHANGE TO THE BUREAUS I.E. IT HAS NOT REMOVED THE DEFICIENCY BALANCE AMOUNT AS PROMISED FROM MY CREDIT REPORT under 1 ) and 2 ) above as the entire {$2400.00} remains, no zero was reported to the bureaus by Ford under 2 ) above. This is not a mere oversight, or just a late update by the credit bureaus -- because in fact, Ford DID make one singular update to the bureaus, only two days after the XX/XX/XXXX response, made XX/XX/XXXX -- but only entered/related to its assertion under 4 ) above for changing the remarks, and even then, it did not report the change to state the account was charged off as bad debt, which changed the remarks back to a previous status and added Ford had `` completed its investigation '' instead the remarks state, as of XX/XX/XXXX, the credit grantor reported that consumer disputes the information and the disputed info. is marked resolved by credit grantor. So, when only two days after entering the response, Ford DID TAKE THE TIME TO update the bureaus with new information related to this account, but explicitly did not report any change under 1 ) for " monetary relief '' as stated in this complaint process/comply at all ; the deficient balance still remains ; and while it could and should have told the bureaus, at least as to the changes 1-4 as promised, it instead only opted to partially update the remarks for the account under 4 ), but still did not so as explicitly warranted under 3 ) above -- which language differentiation operates as a complete bar to the meaning of the promised language, and instead the remark change equates to an entirely different context which is factually incorrect, as the issues are even still to date not resolved, the entire deficiency balance remains, no report was made to the bureaus for same, no 0 dollar total is reflected -- and where it asserts I would have to wait at least 30 days for the credit bureaus to update the information, this time has elapsed without any of the above warranties and assertions of fact having actually been completed by Ford -- yet again , rejecting the intentional and egregious fraudulent, and deceptive business acts and practices of Ford, all made intentionally and in bad faith, where updated once more by XXXX XXXX, XXXX and the entirety of this month, too, has the improper credit information -- which made my score drop over XXXX points in XXXX and continues to reflect the wholly indefensible material misrepresentation as to amounts owed/remarks/ date of account closure -- where Ford has re-reported the date of account closure to be in XXXX of XXXX, although this account was CLOSED as of XXXX, and that previous error was already removed by dispute through the bureau mere months ago, in this its SECOND attempt to impermissibly reset the dates of the account closure to remain a zombie dent on my credit report, in yet another impermissible attempt to thwart the law and good faith conduct in these procedures -- in the face of its representatives ' clear and direct written representations to the contrary, which to date are all proved to be direct and intentional misrepreseantions.

Company response to consumer: Closed with explanation