Consumer complaint received 2025-07-31 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I HAVE BEEN DISPUTING THIS FRAUD ACCOUNT THAT WAS OPENED UNDER MY NAME AS FRAUD WITH FORD MOTOR CREDIT COMPANY. I HAVE SENT PROOF TO THE ID DEPARTMENT AND SPOKEN WITH XXXX IN THE ID DEPARTMENT AND TO BE HONEST SHES A LAUGHING JOKE AND NOW I HAVE BEEN DEALING WITH XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND THEY HAVE SENT ME A DETAIL LETTER THAT THIS ACCOUNT AND OTHER ACCOUNTS WERE OPENED AS FRAUD AND I DID NOT HAVE KNOWLEDGE OF THESE ACCOUNTS, I HAVE SHOWN THE DISMISSAL FROM THE COURTS SHOWING THIS ACCOUNT IS FRAUD AND XXXX XXXX DISMISSED IT AS FRAUD ACCOUNT BUT XXXX THE WORTHLESS XXXX XXXX IN XXXX XXXX ID DEPARTMENT DOESN'T CARE AND NOTHING YOU GIVE HER IS GOOD ENOUGH. I HAVE SHOWN THE ID DEPARTMENT WERE I DISPUTED THE CREDIT INQUIRE THAT OPNED THESE LOANS AND WERE XXXX XXXX ACTUAL REMOVED THE FRAUD INQUIRE AND THEN SHOWED ID DEPARTMENT THAT THE DEAL ON 2019 XXXX TRUCK WAS TOTALLY UNDONE AND PUT BACK ON XXXX XXXX DEALERSHIP AND SOLD AS NEW, I SHOWED XXXX THE XXXX WERE IT DIDN'T GO THROUGH NO AUCTION AND SOLD AS A LOSS, XXXX STATED IT WENT THOUGH XXXX 'S SO THEN I WENT TO XXXX 'S AND THEY HAD NO HISTORY OF THAT TRUCK EVER BEING SOLD. SO XXXX XXXX LIED AGAIN, THEN I CONTACTED THE OWNER OF THE TRUCK AND HE WROTE A LETTER AND EVEN CONTACTED XXXX CREDIT AND HE WANTED TO KNOW IF WHY WAS IT A NEW DEAL BUT THE PAPERWORK SHOWS ITS A NEW TRUCK SALE BUT XXXX CREDIT IS SAYING IT WAS REPOED AND WROTE OFF XXXX HE BOUGHT THE TRUCK BRAND NEW FROM XXXX XXXX IN XX/XX/year> AND EVEN FINANCED IT THROUGH XXXX CREDIT AT XXXX XXXX IN XXXX GA, SO SOMETHING IS UP AND I WILL NOT LET THIS GO AND NOW I LIKE DEALING WITH THE HEAD OFFICE OF XXXX BECAUSE THEY HAVE SPOKEN WITH THE MAN OTHER BOUGHT THIS TRUCK FROM XXXX XXXX AND SHOWED THEM WERE IT SAID NEW SALE AND HE GOT A NEW CAR RATE WITH XXXX CREDIT, SO KNOW XXXX XXXX OFFICE ( OFFICE OF CONSUMER AFFAIRS ) AS OPENED A INVESTIGATION AND ASSIGNED A FIELD XXXX OVER THE ID DEPARTMENT AND XXXX XXXX AND THEY HAVE A LETTER FROM PREMIER RECOVERY THAT PICKED IT UP AND WAS ORDERED TO TAKE IT BACK TO XXXX XXXX IN XXXX GA AND WAS MET BY XXXX XXXX THE XXXX AND HE PAID HE XXXX CASH AND SAID YOU DIDN'T SEE ANYTHING. THE MAN AT PREMIER RECOVERY IS NAMED XXXX AND HE'S ALSO MET WITH THE XXXX XXXX AND TOLD HIM EVERYTHING THAT HAPPENED. SO BEST THING FOR THE PEOPLE AT THE ID DEPARTMENT IS CONTACT THERE LEGAL TEAM AND ASK WHATS GOING ON AND WE HAVEN'T BEEN CONTACTED OH I FORGOT THERE INVESTIGATING XXXX AND HER SUPERVISOR AND XXXX XXXX. NOW THERE IS PAPERS STILL OUT ON XXXX XXXX AND WHEN THEY SERVE HER SHES ORDER TO BE IN COURT IN XXXX NC AND I'M SUING HER FOR CREDIT RUINS AND MY ATTORNEY IS XXXX XXXX. EVERYTIME YOU PLACE THE FRAUD ACCOUNT BACK ON MY CREDIT FILE IT COMES RIGHT BACK OFF IN XXXX MINUTES OR LESS DUE TO A TRADE LINE COURT ORDER AND THIS ACCOUNT IS EXPIRING IN 21 DAYS FROM TODAY SO XXXX LOSES ALL RECOURSE OF REPORTING THIS ACCOUNT.

Company response to consumer: Closed with explanation