Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
This is an escalated complaint regarding Ford Motor Credits continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Ford Credit has not conducted a lawful or reasonable investigation into my dispute, nor have they addressed a single substantive issue that I raised.

Ford Motor Credit has also failed to consider or address the critical factual circumstances surrounding this account. I did not have possession or control of the vehicle at the time it became delinquent. My ex-husband took the vehicle, and I was informed that the transfer of equity had been completed, when in fact it was not. When I attempted to retrieve the vehicle, I was denied access to it. The vehicle was subsequently wrecked without insurancean event caused entirely by a third party and not by me. 
These circumstances directly affect liability and the accuracy of Ford Credits reporting. Their failure to acknowledge or investigate these material facts further demonstrates a lack of reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

Instead of responding to the allegations in my dispute, Ford Credit attempted to satisfy their duty under 15 U.S.C. 1681s-2 ( b ) by sending me a copy of the original retail installment contract. This document was never in question and is entirely irrelevant to the concerns I outlined. Providing a contract does not constitute a reasonable investigation, nor does it address their ongoing inaccurate reporting or failure to provide required notices.

My dispute clearly stated that : Ford Credit has continued to update and report balance and payment information without communicating with me for years ; No legally required notices have been sent ; I have received no validation or verification of the alleged debt ; Their reporting appears incomplete, inaccurate, and misleading. 

None of these issues were acknowledged or corrected. 

Additionally, I have made multiple attempts to contact XXXX XXXX XXXX, the third-party collection entity allegedly handling this account. No one has returned my calls, responded to messages, or provided any information whatsoever. This lack of communication further demonstrates that this account is being mishandled and reported without proper validation or oversight. 

I also contacted Ford Credit directly and, to date, I am the only party making any attempt to resolve or even discuss this matter. Their refusal to communicate, combined with their failure to investigate, represents a direct violation of FCRA 1681s-2 ( b ) ( 1 ), which requires furnishers to : 1. Conduct a reasonable investigation, 2. Review all relevant information, and 3. Correct or delete inaccurate information.

Ford Credit has done none of the above. Their response was non-responsive, dismissive, and demonstrates a pattern of noncompliance with federal law.

I am requesting that this complaint be escalated immediately and that Ford Motor Credit be compelled to : Conduct a full and lawful investigation, Address each specific dispute point raised, Provide written verification/validation of the account, and Correct or delete any information that can not be fully substantiated. 

Given their repeated failures, regulatory intervention is necessary at this time.

Company response to consumer: Closed with explanation