Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
Formal Complaint Ford Credit Submitted False and Misleading Information to the CFPB To : Consumer Financial Protection Bureau ( CFPB ) Date : [ Insert date ] On XX/XX/XXXX, Ford Credit submitted a response to my complaint that was false, misleading, and logically incoherent. This response constitutes a deliberate attempt to mislead the CFPB and obscure the facts, under the assumption that no one will closely read or verify their claims.

I hereby formally request a full investigation into Ford Credits actions, based on the following factual inconsistencies and fraudulent representations made in their correspondence : 1. Ford Credit claims I was 39 days late on my XX/XX/XXXX payment. This is absolutely false. Their own credit bureau reporting shows XX/XX/XXXX as paid and current, with no delinquency recorded. Their letter contradicts their own official credit data, which proves this statement to be knowingly inaccurate. 

XXXX. On XX/XX/XXXX, Ford Credit processed a scheduled auto-payment of {$280.00}. I provided documentation confirming that Ford Credit themselves initiated and confirmed in writing that this payment would be withdrawn on that date. There were no penalties or late fees assessed, because this was an on-time payment executed by Ford Credit . Their statement that this payment was 36 days late is not only false it is a deliberate misrepresentation of a completed, pre-authorized payment. 

XXXX. On XX/XX/XXXX, I paid {$570.00}, which covered two full monthly payments. On XX/XX/XXXX, I made a one-time payment of {$5500.00}, which represented the entire remaining balance of the loan. 

Therefore : - XX/XX/XXXX Regular monthly payment : {$280.00} ( on time ) - XX/XX/XXXX Double payment : {$570.00} - XX/XX/XXXX Full payoff : {$5500.00} The suggestion that I was XXXX days late in XXXX or XXXX is mathematically and logically impossible. Any rational analysis of these payments reveals that their reporting is completely unfounded and demonstrably false. 

Ford Credit is knowingly submitting deceptive information to a federal regulator in violation of consumer protection law.

They have : - Fabricated a payment narrative that contradicts their own reports and transactional data - Ignored factual documentation already submitted- Attempted to exploit the regulatory process through dishonest responses I formally request : 1. Initiate a full investigation into Ford Credits false and deceptive practices in this case 2. Enforce legal consequences for knowingly submitting false data to the CFPB 3. Remove all inaccurate delinquencies for XXXX and XX/XX/XXXX from my credit report 4. Award compensation for financial and emotional harm caused by their false reporting 5. Refer this case to the Department of Justice or other federal authorities for potential criminal review under applicable fraud statutes Ford Credits response is a serious abuse of process and a direct violation of consumer trust. They must be held fully accountable.

Company response to consumer: Closed with explanation