Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: AL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT SEVERAL TIMES AND A DATA BREACH VICTIM XXXX TIMES I would like to point out in this complaint to the creditor/furnisher that I have on numerous occasions expressed to the creditor/furnishers of information that I am a victim of identity theft and included a identity theft report and the fraudulent information is still being reported to the the Credit Reporting Agencies. I would like to remind the creditor/furnisher of what my rights are and what should be done with this information, please see below... 

" If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) '' You are NOT in compliance with the FCRA please see below for what the repercussions of being non compliant of the FCRA.. 

" If you dont comply with the FCRA, you may be sued by the FTC , Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 '' Not only have I told Your company several times that I am a victim of IDENTITY THEFT but I have also told the CRAs ( with a IDENTITY THEFT REPORT INCLUDED ) that have in-turn told you that you are reporting inaccurate fraudulent information and here today you are still reporting the fraudulent information making my life a absolute living XXXX, I can not obtain credit of any kind because of your malicious acts of non compliance of the FCRA. Please see below to what the guidelines are... 

" If a CRA notifies you that information you furnished is being blocked on a consumers credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) '' Please show proof that you have these guidelines in place and if you do show proof that they are indeed in place, why are the guidelines not being followed after I have told your company I am a victim of Identity theft with what is required of me to report identity theft which is a identity theft report and your company is still maliciously reporting the Fraudulent information on my consumer report???? 

Please let me also remind you what other guidelines you must follow when dealing with a Identity theft victim! please see below... 

" If a CRA notifies you that a debt has resulted from identity theft, you may not sell, transfer, or place that debt for collection. FCRA 615 ( f ) ( 1 ) '' The FCRA also states " that If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) '' Since the FCRA states the following- " If you find that you furnished inaccurate information due to identity theft, you must promptly notify each CRA of the correct information. Going forward, you must report only complete and accurate information. FCRA 623 ( a ) ( 2 ) '' I demand that you provide me with proof that you have followed the guidelines set in place to protect my rights Immediately because your company is 100 % NON COMPLIANT! 

I AGAIN HAVE INCLUDED IDENTITY THEFT REPORT WITH THIS COMPLAINT ALONG WITH MY GOVERNMENT IDENTIFICATION THAT PROVES MY LEGAL NAME IS ALONG WITH MY SOCIAL SECURITY CARD THAT PROVES MY SOCIAL SECURITY NUMBER AND A PIECE OF MAIL THAT PROVES MY ADDRESS LASTLY I DEMAND THAT YOU CEASE AND DESIST CALLING MY PHONE NUMBER XXXX MULTIPLE TIMES EVERY DAY. YOU ARE HARASSING ME ABOUT A DEBT THAT I DO NOT OWE AND ARE VIOLATING MY RIGHTS AND THE FDCPA!

Company response to consumer: Closed with explanation