Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Repossession Reporting and Creditor Name Discrepancy Violation of FCRA and IRS Regulations To Whom It May Concern, I am disputing inaccurate and misleading information on my credit report regarding the following account : Creditor Name on Credit Report : XXXX Creditor Name on XXXX : MEI AUTO FINANCE INC XXXX 
Account Number : XXXX XXXX Issued Date : XXXX Errors in Reporting False Reporting of a Repossession : This account was canceled in XXXX, as evidenced by the 1099-C issued by MEI AUTO FINANCE INC. Per IRS regulations, a creditor can not continue to report or collect on a canceled debt, making this repossession fraudulent and unlawful under 15 U.S.C. 1681s-2 ( b ) of the FCRA.

Creditor Name Discrepancy Misrepresentation of Debt Ownership : My credit report lists XXXX as the creditor, while my 1099-C was issued by MEI AUTO FINANCE INC XXXX 
Under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers must report accurate and consistent information.

If the account was transferred or sold, the original creditor should no longer be reporting it.

This discrepancy raises serious concerns about the validity of this reporting, and I demand immediate verification of the true creditor. 
Illegal Re-Aging or Double Reporting of Debt : If both entities ( XXXX and MEI AUTO FINANCE INC. ) are reporting this debt separately, it may constitute double reporting and could be an attempt to re-age the debt illegally under 15 U.S.C. 1681c ( a ) ( 4 ).

Violation of the IRS Debt Cancellation Rule : A 1099-C legally cancels a debt for tax purposes. If the debt was canceled in XXXX reporting a repossession afterward is a clear violation of both FCRA and IRS regulations.

Demand for Immediate Action Under 15 U.S.C. 1681i, I demand that you : Immediately remove this incorrect repossession from my credit report. 
Remove any duplicate or conflicting reporting under different creditor names. 
Provide written confirmation of the deletion, along with an updated copy of my credit report reflecting the removal. 
Disclose the name and contact information of the creditor ( data furnisher ) providing this false information. 
Legal Consequences for Non-Compliance If this matter is not resolved immediately, I will escalate this issue by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Reporting this matter to the IRS, as the creditors actions may violate tax regulations regarding debt cancellation. 
Pursuing legal action under the FCRA for damages, statutory fines, and attorney fees due to misrepresentation and harm caused by inaccurate reporting. 
I expect full compliance with federal law and a prompt resolution of this dispute. Please confirm receipt of this letter and provide a timely response. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation