Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I. IDENTITY VIOLATIONTHE FOUNDATION OF YOUR LIABILITY Huntington National Bank is reporting an auto loan under an incorrect and incomplete name, identifying me as : XXXX XXXX XXXX when my legal name is : XXXX XXXX XXXX. 

This is not a minor clerical error. 
This is a federal identity misrepresentation that invalidates : the charged-off status the past-due amount the balance the contract validity ALL credit reporting ALL collections activity ALL post-default actions This single error legally voids the negative data you furnished. 



XXXX. FEDERAL STATUTES HUNTINGTON HAS VIOLATED Your misidentification violates multiple federal laws simultaneously : 1. FCRA 15 U.S.C. 1681 ( e ) Failure to maintain maximum accuracy in reporting.

Reporting an incorrect name = violation.

2. FCRA 15 U.S.C. 1681 ( i ) Failure to reinvestigate disputed identity information.

If you can not verify my correct legal identity, the law requires deletion, not correction.

3. Truth in Lending Act 15 U.S.C. 1637 ( a ) You must provide accurate disclosures and correct consumer identity information. 
You failed. 

XXXX. Billing Error Protections 15 U.S.C. 1666 ( b ) A billing error includes accounts sent to the wrong identity. 

XXXX. FDCPA 15 U.S.C. 1692 ( g ) You must validate the debt with the correct identity. 
Because my legal name does not match what you reported, validation is impossible. 

XXXX. FDCPA 15 U.S.C. 1692 ( c ) Illegal communication directed to the wrong individual. 
You contacted an identity that does not exist in legal form. 

This puts Huntington in full federal violation. 



XXXX. YOUR ACCOUNT REPORTING IS LEGALLY UNENFORCEABLE You reported the following information : Original Creditor : Huntington National Bank Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Closed / Charged Off Charge-Off Amount : {$8100.00} Past Due : {$6400.00} Status Updated : XX/XX/XXXX Original Balance : {$18000.00} All of this information becomes legally invalid because : You attributed these records to a name that is not my legal identity. 

That makes the reporting : inaccurate unverifiable noncompliant federally illegal legally required to be deleted Even original creditors must delete unverified or misidentified accounts. 



IV. DEMANDS FOR RESOLUTION To resolve this matter without litigation, Huntington must provide : XXXX. {$7000.00} Restitution For damages including : emotional distress credit damage reputational harm denial of opportunities misidentification time spent correcting your errors unlawful negative reporting XXXX. Full Deletion of the Account Immediately delete from : XXXX  XXXX  XXXX  All of the following must be removed : the charge-off the past-due balance the history of delinquency the closed account the entire trade line any collection notation XXXX. Written confirmation acknowledging : The error The deletion The correction of my legal name V. INTENT TO SUE If Huntington National Bank fails to provide : {$7000.00} compensation, and Full deletion of the account within 30 days, I will file suit seeking : statutory damages actual damages punitive damages attorneys fees all remedies under FCRA, FDCPA, and federal identity statutes I will also escalate : CFPB complaint State Attorney General filing FTC consumer identity violation report Huntington has knowingly furnished inaccurate data under a false identity, violating federal law. 
This is your final opportunity to remedy before legal escalation. 



VI. GOVERN YOURSELVES ACCORDINGLY Prepared by : XXXX XXXX XXXX

Company response to consumer: Closed with explanation