Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tesla, Inc.
State: FL

Complaint narrative:
Company Name : Tesla Company Address : XXXX XXXX XXXX, XXXX, CA XXXX Tesla Phone : XXXX opt XXXX Account Number/Identifier : Reservation Number : XXXX, Vehicle Identification Number : XXXX I am filing this formal complaint because Tesla is engaging in deceptive debt collection practices and has failed to provide legally required documentation regarding a debt I believe is fraudulent. My identity has been stolen, and I have filed an official report with the FTC and XXXX. 

On XX/XX/year>, I received a collection letter from Tesla via email, stating that my account is 30 days past due, with a total amount due of {$760.00}. The letter threatens severe legal action, including accelerating the balance due and repossession, if the matter is not resolved within XXXX days. It also claims that " several attempts to contact '' me were made, which is false. 

I have responded to Tesla via email, demanding validation of the debt and copies of all associated documentation. Despite my repeated requests, Tesla has failed to provide any information, which is a direct violation of my rights as a consumer and a victim of identity theft. 

Legal Violations and Consumer Rights : Fair Debt Collection Practices Act ( FDCPA ) : Tesla 's actions are in direct violation of the FDCPA. This act grants consumers the right to dispute a debt and receive validation. By threatening legal action and repossession without providing the requested documentation, Tesla is using abusive and deceptive practices. A debt collector must send a validation notice within XXXX days of the initial communication. The letter I received does not include this information, further highlighting a violation of this federal law. 

Fair Credit Reporting Act ( FCRA ) : As a victim of identity theft, my rights under the FCRA are paramount. I am entitled to dispute any fraudulent information that has been reported and debt being collected. Teslas failure to investigate my claim and provide accurate information may result in the reporting of inaccurate data, causing significant financial and emotional harm. Under 15 U.S.C. 1681s-2, furnishers of information have a duty to investigate disputes and correct or delete inaccurate information.

Florida Consumer Collection Practices Act ( FCCPA ) : The FCCPA ( Florida Statutes, Chapter 559, Part VI ) prohibits debt collectors from claiming, attempting, or threatening to enforce a debt when they know it is not legitimate. My identity theft report, filed with the FTC, serves as notice that this debt may be fraudulent. Teslas continued collection efforts without proper validation are a violation of Florida law.

Identity Theft Laws and Victim 's Rights : As a victim of identity theft, I have a right to obtain all business records relating to the fraudulent account. Under the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to receive this information without charge. Tesla 's refusal to provide these documents impedes my ability to prove my identity was stolen and that this debt is fraudulent.

Company response to consumer: Closed with explanation