Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
1. XXXX XXXX ( XXXX XXXX XXXX ) Original Creditor : XXXX XXXX XXXX : Unknown Account Number : Not provided Date Opened : Approx. prior to XXXX Last Reported Activity : Not provided Issue : Account is reported as derogatory, possibly charged off or repossessed, yet no documentation has ever been received or provided. No notification of default, repossession, or contract terms was sent. 
Actions Taken : Consumer made multiple requests for verification under FCRA which have been ignored. No signed contract, dates of default, or proof of assignment furnished. 
2. Mercedes Benz Financial Original Creditor : Mercedes Benz Balance : Unknown Account Number : Not provided Date Opened : Not clearly shown Last Reported Activity : Not provided Issue : Potential derogatory tradeline related to an auto loan. No documented validation or agreement is on file, and no notice of late payments or repossession provided. 
Actions Taken : No response from Mercedes Benz to formal MOV request under FCRA. No contract or collection notice received. 
3. XXXX XXXX XXXX Original Creditor : XXXX Balance : Unknown Account Number : Not provided Date Opened : Unknown Last Reported Activity : Not provided Issue : Account is derogatory with a history of potential inaccuracies. XXXX has a record of legal action due to its lending and reporting practices. 
Actions Taken : Consumer requested verification under FCRA but has not received any. No signed documentation has been presented. 
XXXX. XXXX XXXX, XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$5700.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Last Reported Activity : XX/XX/XXXX Issue : Listed as an open collection with no documented proof of debt transfer, no debt validation notice sent to consumer. 
Actions Taken : No response to written requests under FCRA and FDCPA. Reporting despite lack of legal collection notice or validation. 
XXXX. XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX 
Balance : {$3200.00} Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported Activity : XX/XX/XXXX Issue : Reported as a charge-off/collection with no validation sent to the consumer. No agreement or transaction records presented. 
Actions Taken : Request for method of verification ignored. Continued derogatory reporting without proof. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX Balance : {$770.00} Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported Activity : XX/XX/XXXX Issue : Account appears in collections with no consumer notification or supporting documentation from original creditor or agency. 
Actions Taken : Requested MOV and FDCPA validation, received no documentation or account history. 
XXXX. XXXXe XXXX XXXX XXXX Original Creditor : XXXX XXXX  Balance : {$0.00} Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported Activity : XX/XX/XXXX Issue : Account still being reported as derogatory with {$0.00} balance, which is inaccurate and outdated. 
Actions Taken : Requested deletion and MOV documentation ; no response provided by collector or CRA.

Company response to consumer: Closed with explanation