Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
As detailed in my original CFPB complaint, I previously emailed XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( President of World Omni Financial Corp ), and XXXX XXXX ( Executive Escalations ) outlining the ongoing fraudulent and retaliatory credit reporting on my XXXX XXXX XXXX loan. I clearly identified : XXXX. Specific FCRA violations, XXXX. Evidence of harm and false data furnishing, XXXX. A formal request for correction and fair compensation, and XXXX. My intent to escalate to the CFPB, federal oversight, and civil litigation if unresolved. 

Corporate Response to me asking them to correct their errors that have harmed me for over XXXX and half years : On XX/XX/XXXX at XXXX XXXX, I received an email from XXXX XXXX confirming receipt of my demand and stating they had completed their investigation and would only discuss further by phone for privacy reasons. She attempted to recall the email XXXX minute later at XXXX XXXX. 

I immediately followed up with a Final Demand for FCRA Retaliation and Credit Reporting Violations, copied to : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ( as forwarded internally by XXXX XXXX ). No one responded to my email, but there was an immediate response from them to XXXX  as evidenced by my email from XXXX  - XXXX minutes later. 

Retaliation Timeline : Within XXXX minutes of XXXX message and my Final Demand, I received a notice from XXXX  on XX/XX/XXXX at XXXX XXXX  stating that XXXXWorld Omni had re-verified and re-added inaccurate information to my credit report that had previously been removed despite having no legal basis to do so and no investigation summary. 

After CFPB Filing : On XX/XX/XXXX at XXXX XXXX, I filed my formal CFPB complaint. 

On XX/XX/XXXX, XXXX XXXX XXXX mailed a letter to me acknowledging the complaint, but again requesting I call them directly by phone rather than communicating through CFPBs documented and regulated portal. 

This is a clear attempt to : 1. Divert communication off-record 2. Avoid written accountability XXXX. Evade regulatory oversight Given that this pattern has now occurred repeatedly, I assert that : XXXX/World Omnis actions constitute retaliatory credit reporting in violation of the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), 1. They have failed to perform a reasonable investigation after receiving multiple disputes and formal notice, 2. Their insistence on off-record calls is a bad-faith tactic to suppress evidence and delay resolution, XXXX. Their timeline of re-reporting false data XXXX minutes after receiving executive-level complaints supports a strong inference of intentional retaliation. 

Violations : 1. 15 U.S.C. 1681s-2 ( b ) ( 1 ) : XXXXWorld Omni Corp must investigate and report the results back to the CRA ( and indirectly to me ), not dodge investigation via a phone call. The FCRA does not permit substitution of off-the-record calls for formal dispute resolution. This behavior fails to meet statutory response obligations under 1681s-2 ( b ).

2. 12 CFR 1022.43 - Reasonable investigation & response after CRA notification : This regulation under the CFPBs authority echoes the FCRA and requires furnishers to : Complete the investigation of the dispute and report the results to the consumer reporting agency that provided the notificationbefore the end of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ). A response via phone call only is not a valid response under this rule as failing to provide a written, verifiable investigation outcome may constitute a procedural failure. 

XXXX. CFPB XXXX XXXX - Supervisory Highlights on Credit Reporting : A furnishers investigation procedures must be reasonably designed to ensure that disputes are properly investigated and that information provided is accurate. 

The CFPB has found deficiencies where companies failed to respond adequately to disputesor failed to communicate dispute results to consumers. 

By only offering to speak to me on the phone before and after my CFPB complaint, XXXXWorld Omni could be viewed as avoiding written communication to evade accountability, something already cited as abusive in the CFPB guidance. 

XXXX. Fair Debt Collection Practices Act ( if debt collectors involved ) : A debt collector may not communicate with a consumer in connection with the collection of any debtif the consumer has notified in writing that the debt is disputed 15 U.S.C. 1692c ( c ) : By XXXX  mailing a letter the day after receipt of my CFPB complaint submission to request an off-record phone call instead of formally responding via the CFPB portal, XXXX/World Omni has potentially violated : 1. 15 U.S.C. 1681s-2 ( b ) failure to respond in writing to a formal credit dispute 2. 12 CFR 1022.43 failure to complete and communicate a proper investigation CFPB Bulletin XXXX, avoidance of written resolution, attempt to obscure documentation. 

These actions suggest more bad-faith attempts in addition to several executives, at both XXXX and World Omni, not intervening in their erroneous credit reporting when I personally emailed them : XXXX. Outlining in detail the preventable harm caused to me over two and half years now. 

XXXX. And their choice of immediate retaliation in updating my XXXX  report teen minutes later from a closed account to an " open account '' inflating the balance to $ XXXX ( previously reported monthly as $ XXXX to now over $ XXXX ) making it seem like I was behind on payments when this vehicle was totaled two and half years ago with payments made to them via XXXX  XXXX and XXXX XXXX This amount that has almost doubled since is a balance they imposed after insurance payments that was never explained to me. 

All in order to seemingly avoid regulatory oversight and violate the purpose and spirit of FCRA compliance. 

I now respectfully request that the CFPB : 1. Investigate XXXX XXXX XXXX XXXX World Omni Financial Corp for willful violations of the FCRA, 2. Instruct the company to respond only in writing via the CFPB portal, and 3. Review their pattern of phone-based evasions as a broader consumer harm issue.

* All statements above are supported by documentation already submitted under Findings of Fact in my original complaint *

Company response to consumer: Closed with explanation