Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT AGAINST XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stellantis Financial Services Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issue : Information belongs to someone else EXECUTIVE SUMMARY Stellantis Financial Services has filed a fraudulent " Delinquent Account '' credit report against me on XX/XX/XXXX, despite having no legal right to report on this account. The debt was sold to XXXX XXXX XXXX over XXXX  months ago, and I have been current with the actual debt owner for XXXX  months. This constitutes willful violation of the Fair Credit Reporting Act and requires immediate CFPB intervention. 

DETAILED COMPLAINT BACKGROUND - DEBT OWNERSHIP AND PAYMENT HISTORY Original Account : XXXX XXXX XXXX XXXX Limited financing through Stellantis FS Debt Sale Date : Over XXXX  months ago ( before XX/XX/XXXX ) Current Debt Owner : XXXX XXXX Services My Payment Status : Current for XXXX  months with XXXX XXXX XXXX XXXX XXXX to Stellantis FS : {$0.00} ( debt was sold ) FRAUDULENT CREDIT REPORTING Date of False Report : XX/XX/XXXX False Information : " Delinquent Account '' reported by Stellantis FS Actual Facts : I owe Stellantis FS nothing - debt was sold over XXXX  months ago I have been current with actual debt owner ( XXXX ) for XXXX  months No delinquency exists with any creditor Stellantis FS has no legal standing to report on sold debt LEGAL VIOLATIONS This fraudulent reporting violates : Fair Credit Reporting Act 1681s-2 ( a ) - Duty to furnish accurate information FCRA 1681s-2 ( a ) ( 2 ) - Prohibition on reporting debt after sale without legal standing FCRA 1681i - Procedures for dispute resolution Consumer Financial Protection Act - Deceptive practices EVIDENCE OF WILLFUL MISCONDUCT Why This Appears to be Willful Fraud : Knowledge of Debt Sale : Stellantis FS sold the debt - they know they don't own it No Current Relationship : I have had no contact with Stellantis FS for over 12 months Suspicious Timing : Report filed during my legal dispute with manufacturer over lemon law settlement Access to Records : They have records showing debt was sold to XXXX No Business Purpose : No legitimate reason to report on debt they don't own CONNECTION TO OTHER LEGAL ISSUES Critical Context : This false credit reporting appears connected to my ongoing legal dispute : Lemon Law Case : Currently disputing inadequate settlement for defective XXXX XXXX XXXX Attorney Malpractice : Filed State Bar complaint against attorney for inadequate representation Manufacturer Pressure : FCA/Stellantis facing demands for revised settlement Retaliation Timing : False credit report filed exactly during legal pressure This appears to be retaliation for demanding adequate legal remedies. 
SPECIFIC HARM CAUSED Immediate Harm : False Delinquency on credit reports damaging credit score Credit Access Impact - may affect future lending decisions Reputational Harm - false information suggests I don't pay debts Emotional Distress from fraudulent credit reporting Time and Expense to dispute false information Ongoing Harm : Credit reports may be pulled by potential creditors showing false delinquency May impact insurance rates, employment opportunities, housing applications Creates ongoing monitoring burden to ensure false information stays removed ATTEMPTED RESOLUTION Actions Taken : XX/XX/XXXX : Filed disputes with all three credit bureaus ( XXXX XXXX XXXX  ) XX/XX/XXXX : Demanded immediate correction of false reporting Evidence Provided : Documentation showing debt ownership by XXXX and XXXX payment history Company Response : None yet - complaint filed same day as discovery REQUESTED RELIEF IMMEDIATE ACTIONS REQUIRED : Investigation of Stellantis FS for systematic credit reporting violations Order Immediate Correction of all credit reports showing false delinquency Cease and Desist Order preventing future reporting on debt they don't own Public Enforcement Action if this is part of systematic misconduct MONETARY RELIEF : Statutory Damages under FCRA for willful violation ( up to {$1000.00} ) Actual Damages for credit score harm and related consequences Punitive Damages for willful and malicious false reporting Attorney Fees and Costs if legal action becomes necessary REGULATORY RELIEF : Industry Guidance on post-sale credit reporting obligations Enhanced Monitoring of Stellantis FS credit reporting practices Consumer Education about rights regarding sold debt reporting Systematic Investigation of similar violations by this creditor SUPPORTING DOCUMENTATION Available Evidence : Documentation of debt sale to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  months current with actual debt owner Screenshots of false credit report from XX/XX/XXXX Credit bureau dispute filings and confirmations Timeline showing suspicious correlation with legal disputes Witness Information : XXXX XXXX XXXX can confirm debt ownership and payment status Credit bureau records showing false information Legal case documentation showing timing correlation PATTERN OF CONCERN Industry-Wide Problem : This case may indicate systematic issues with : Post-sale credit reporting by automotive finance companies Retaliation against consumers pursuing legal remedies Inadequate verification before filing credit reports Willful false reporting to pressure consumers Public Interest : This affects : Consumer credit protection integrity Fair debt collection practices Automotive industry accountability Legal system access without retaliation CONCLUSION Stellantis Financial Services has engaged in willful credit reporting fraud by filing a false " Delinquent Account '' report on debt they sold over XXXX  months ago. I have been current with the actual debt owner for XXXX  months and owe Stellantis FS nothing. 
This appears to be retaliation for pursuing legitimate legal remedies in my lemon law case, making it particularly egregious misconduct that threatens consumer access to justice. 
I request immediate CFPB intervention to : Force correction of false credit reporting Investigate systematic violations Provide appropriate monetary relief Prevent future retaliation against consumers This case presents a clear example of willful FCRA violations requiring strong regulatory response to protect consumers from fraudulent credit reporting by companies that no longer own debts.

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