Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate repossession entry on my credit report that I believe violates provisions under the Fair Credit Reporting Act ( FCRA ). The loan associated with the repossession does not belong to me, and I am requesting that both the repossession and the account linked to it be removed from my credit report. 

Details of the Repossession : XXXX Name : GM Financial XXXX of Repossession : XX/XX/2020 Account Number : XXXX Date ( XXXX ) of Credit Report ( XXXX ) Showing Repossession : Report does not show it as a repossession Under the FCRA, I am entitled to have only accurate, complete, and up-to-date information on my credit report. Specifically, I am requesting the removal of both the repossession and the associated account from my credit report for the following reasons : Loan Does Not Belong to Me : The repossession reported on my credit report is associated with a loan that does not belong to me. I have no knowledge of this loan, nor have I signed any agreement or contract for this debt. This XXXX be a case of mistaken identity or fraudulent activity. I request that this entry be thoroughly investigated and removed from my credit report because I can not be held responsible for a loan I did not take out. Under FCRA Section 609 ( 15 U.S. Code 1681g ), I have the right to dispute inaccurate or incomplete information, and I expect the creditor to verify the accuracy of the information provided. 
Failure to XXXX Notice XXXX XXXX : If the loan were indeed mine, the creditor XXXX not have followed the required procedures for notifying me of the repossession, as required by Uniform Commercial Code ( XXXX ) Section 9-610. I did not receive proper notice or communication from the creditor regarding the repossession, further indicating that the entry XXXX be inaccurate. 
Incomplete or Inaccurate Reporting : According to Section 605 ( 15 U.S. Code 1681c ) of the FCRA, negative information, such as repossessions, must be reported for a period not exceeding XXXX years from the date of the first missed payment leading to the repossession. If this repossession was reported after the allowable period, or if it was inaccurately attributed to me, it is in violation of the FCRA. I request that this entry be removed immediately. 
Failure to Update Information After Dispute : Under FCRA Section 611 ( 15 U.S. Code 1681i ), I am entitled to have any inaccurate or incomplete information investigated and corrected or removed from my credit report. After disputing this information with the credit reporting agencies, I believe no action was taken to correct or validate the reported repossession. If no sufficient documentation has been provided to verify the repossession, I request that both the repossession and the account be removed from my credit report. 
Inaccurate Reporting of Debt : Section 607 ( 15 U.S. Code 1681e ) of the FCRA requires that all credit reporting must be accurate and complete. If this debt was mistakenly linked to me, or if the amount owed or status of the account is incorrect, this violates my rights under the FCRA. I am requesting that the entire account, as well as the repossession, be removed from my credit report. 
I am requesting the following : A full investigation into the repossession and the account linked to it. 
XXXX removal of both the repossession and the associated account from my credit report, as the loan does not belong to me, and the information is inaccurate. 
A written statement from the creditor regarding how they verified the information in accordance with FCRA guidelines. 
Confirmation that both the repossession and the account have been removed from my credit report if found to be a case of mistaken identity or inaccurate reporting. 
Please let me know if any additional documentation is required for further investigation. I look forward to your prompt resolution of this matter in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation