Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal legal dispute and regulatory complaint regarding materially false credit reporting, re-aging of a nonexistent debt, and breach of contract by Mercedes-Benz Financial Services USA LLC , originating from Mercedes-Benz XXXX XXXX XXXX XXXX 

This dispute is supported by clear documentary evidence, including both signed lease contracts and my most recent consumer credit report, all of which are attached Factual Background ( Documented Evidence ) In XX/XX/XXXX, I entered into XXXX separate motor vehicle lease agreements with Mercedes-Benz XXXX XXXX XXXX  for : Mercedes-Benz XXXX XXXX XXXX XXXX XXXX Contractual XXXX XXXX XXXX XXXX ) Both contracts explicitly state : Lease term : XXXX  months Structure : One payment due at signing Followed by XXXX  monthly payments Total number of lease payments : XXXX No provision whatsoever for a XXXX term These facts are clearly and unambiguously disclosed on Page XXXX of each contract under Consumer Leasing Act Disclosures, specifically in the section titled Lease Payments The number of payments in your lease : XXXX. 

Proper Completion of Lease Obligations At the end of the XXXX lease term : Both vehicles were returned on time Both vehicles were returned below the allowed mileage All payments were made in full There were no outstanding balances No vehicle remains in my possession Therefore, both lease accounts were contractually satisfied and should have been closed with a XXXX balance. 

False and Harmful Credit Reporting Despite the above, my consumer credit report now reflects that Mercedes-Benz Financial Services : Incorrectly reports the lease as a XXXX account Falsely indicates that the vehicle remains in my possession Reports an active delinquency, charge-off status, and outstanding balance Lists a last payment in XXXX, effectively re-aging a debt that legally expired Continues furnishing this false information since at least XX/XX/XXXX This reporting is demonstrably false, contradicted by the signed contracts, and legally indefensible. 

Material Harm Caused As a direct result of this inaccurate reporting, I was denied the ability to rent a residential property, causing measurable financial and reputational harm. 

Violations of Federal Law This conduct constitutes violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation Illegal re-aging of a closed account Reporting a debt that does not exist Reporting possession of collateral that was lawfully returned years ago Formal Demand for Immediate Corrective Action I hereby formally demand that Mercedes-Benz Financial Services : Immediately delete all inaccurate and derogatory credit reporting related to both lease accounts Correct the account status to Closed Paid as Agreed with a XXXX balance Remove any references to a XXXX term, charge-off, delinquency, or possession of the vehicle Provide written confirmation that all corrections have been transmitted to XXXX XXXX XXXX XXXX Cease all collection or reporting activity related to these invalid claims Notice of Escalation If this matter is not resolved promptly and fully, I am prepared to pursue all available remedies, including : Continued escalation through the CFPB and state regulators Civil action under the FCRA for statutory damages, actual damages, attorneys fees, and costs All relevant documentation is attached and conclusively proves the XXXX lease terms and proper satisfaction of both contracts. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation