Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
BMW Financial Services is falsely reporting an involuntary repossession on my account ( Account # XXXX, VIN ending XXXX ) even though no repossession ever occurred. The account was resolved in coordination with BMW, and at no point did BMW initiate, communicate, or complete any repossession process under the UCC. 

During the relevant period, I made XXXX additional payments, and I have recorded calls with BMW representatives where no repossession, surrender, delinquency options, or recovery actions were ever mentioned. BMWs own conduct reflects there was no repossession in fact or in law. 

After I disputed the false reporting, BMW admitted the error and removed the repossession notation. On that same day, BMW approved me for a new {$110000.00} lease, which would have been impossible if a legitimate involuntary repossession existed under BMWs own underwriting policies. 

However, immediately after removing the inaccurate tradeline, BMW reinserted the exact same false involuntary repossession onto my credit file. This reinsertion was done : without certification from the furnisher, without notice to me, and in direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

BMW has now engaged in multiple FCRA violations, including : Reporting information they know to be false FCRA 623 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 Failure to ensure maximum possible accuracy FCRA 607 ( b ) Reinsertion of deleted information without certification FCRA 611 ( a ) ( 5 ) ( B ) Willful noncompliance subject to civil liability FCRA 616617 Additionally, BMWs actions violate : The New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) for deceptive, unco
nscionable practices FDCPA 807 if any collector or BMW affiliate communicated the false status UCC Article 9 9-609 to 9-611 which require notice and process for repossession ( none of which occurred ) BMWs repeated false reporting has caused : Damage to my credit score Denial and disruption of financial opportunities Emotional and reputational harm The need to retain an attorney ( XXXX XXXX, XXXX . ) who has already issued a formal legal demand to BMW BMWs conduct appears deliberate, coordinated, and in reckless disregard of federal law. Their reinsertion of a tradeline they previously acknowledged was false is evidence of willful misconduct.

I am requesting that the CFPB : 1. Investigate BMW Financial Services for FCRA violations, including illegal reinsertion of data.

2. Require BMW to permanently delete the false repossession from all credit bureaus.

3. Require BMW to provide written certification that the information will not be reinserted.

4. Review BMWs credit reporting compliance procedures for systemic failures.

5. Take enforcement action if warranted, including referral to the FTC, DOJ, or state regulators.

Company response to consumer: Closed with explanation