Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
This is in direct response to XXXX XXXX XXXX recent reply dated XX/XX/XXXX, regarding Complaint ID XXXX. 

First, I find it ironic that XXXX insists my concerns are unfounded while simultaneously continuing to alter my reported payment history a fact which, by the way, can be observed not just on XXXX XXXX ( as they casually dismissed ), but also on XXXX, a paid service that pulls directly from the credit bureaus. So the inconsistency lies not in third-party interpretations, but with XXXX  own reporting. 

Secondly, their attempt to imply that my original vehicle balance somehow exceeded {$45000.00} is both laughable and grossly misleading. The original sale price of the vehicle was approximately {$16000.00}, which ballooned into nearly {$27000.00} after XXXX imposed its notoriously high interest rate. Any assertion that I owed over $ XXXX prior to repossession is not only mathematically and legally inaccurate its deceptive and suggests intentional inflation or misclassification of the account. 

Lets be clear : I deferred XXXX payment in XXXX and XXXX in XXXX both of which were acknowledged and approved. 
I made on-time payments consistently until fall of XXXX, when I experienced a medical emergency ( documented ). 
XXXX  sale information and account breakdown were delayed until AFTER I filed complaints and even now, the numbers still do not add up. 

Additionally, XXXX  claim that their reporting is accurate while they conveniently ignore the mismatched updates across my credit file, which I have screenshotted and documented ( prior to mysteriously losing access to my own account portal ), is concerning. If they had reviewed all the documentation I provided, they would know that Im not referencing XXXX XXXX alone. 
I Am Also Requesting the Following : A full audit of this account, including a line-by-line payment history, payoff calculation, interest breakdown, and actual sale receipt of the vehicle post-repossession. 
Immediate deletion of the tradeline if you are unable to substantiate the reporting in a way that aligns with the Fair Credit Reporting Act ( FCRA ) and FDCPA guidelines. 
A review of XXXX  overall consumer reporting practices for potential systemic abuse. 
Agencies I Intend to Escalate This To ( if this matter is not corrected promptly ) : Office of the Attorney General Florida Consumer Protection Division Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX State Department of Financial Services And if necessary, a civil attorney to review for predatory lending and willful misreporting. 

XXXX has had multiple opportunities to correct these discrepancies. Instead, theyve chosen to double down on inaccuracies and delay transparency. If this account is not rectified immediately, I will escalate this issue through every available legal and regulatory channel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation