Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am submitting this complaint regarding continued unresolved credit reporting and furnishing inconsistencies by XXXX XXXX XXXX / World Omni despite multiple prior disputes and CFPB complaints. XXXX has now partially clarified certain portions of the account history, including the repossession timeline, charge-off date, Date of First Delinquency ( XX/XX/year> ), and the initial deficiency balance calculation following repossession and sale of the collateral. However, significant unresolved reporting and verification deficiencies remain. XXXX states the account was charged off on XX/XX/year>, with a deficiency balance of {$17000.00} and later asserted that approximately {$3700.00} in additional post-charge-off interest accrued. However, despite repeated requests, XXXX still has not produced : A complete post-charge-off ledger An itemized interest schedule Daily/per diem accrual calculations The exact post-default interest rate applied The XXXX used to calculate ongoing accruals As a result, the currently reported balances exceeding {$21000.00} remain independently unverifiable from the records produced. Additionally, XXXX continues refusing to provide documentation substantiating the commercial reasonableness of the alleged XX/XX/year>, private sale for {$2100.00}. Although XXXX states it will not provide a bill of sale because of buyer privacy concerns, the company still has not provided any redacted sale documentation, auction summary, sale receipt, commercially reasonable sale documentation, valuation support, or other purchaser-neutral records sufficient to independently verify the sale amount used to calculate the deficiency balance. Questions also remain regarding how payment/activity dates were furnished and characterized. In an earlier CFPB response, XXXX represented that XX/XX/year>, sale proceeds were reported as the date of the last payment. Later records referenced XX/XX/year> insurance rebate activity. The transaction history subsequently produced confirms the XX/XX/year> entry was an Insurance Rebate Payment rather than a direct consumer payment. This creates unresolved ambiguity regarding what events XXXX actually furnished as last payment, last activity, or related XXXX XXXX reporting fields. XXXX has also stated that certain display fields shown by consumer reporting agencies may reflect bureau formatting rather than XXXX own reporting. However, under the Fair Credit Reporting Act, furnishers remain responsible for the accuracy and completeness of the information they furnish to consumer reporting agencies. The unresolved issue is therefore whether XXXX furnished incomplete, inaccurate, ambiguous, or materially misleading data fields under 15 U.S.C. 1681e ( b ) and 1681s-2. At this stage, my complaint is no longer focused on whether a deficiency balance exists in general. Rather, the remaining dispute concerns the sufficiency, completeness, and verifiability of the furnishing data, accrual calculations, payment/activity characterization, and sale-related documentation supporting the currently reported tradeline information. I request that XXXX provide : A complete post-charge-off accrual ledger through present Itemized interest and fee calculations The exact contractual/default interest rate applied Documentation explaining the furnishing of payment/activity dates and XXXX XXXX fields Redacted sale-related documentation sufficient to substantiate the commercial reasonableness of the alleged private sale and resulting deficiency calculation If XXXX can not substantiate the disputed reporting fields with complete account-level documentation, the company should correct or update the furnishing accordingly.

Company response to consumer: Closed with explanation