Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX  XXXX Email : XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Email : XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for Fraudulent Debt Collection, Willful Misreporting, and Potential Tax Fraud To Whom It May Concern, I am filing a formal complaint against Harley-Davidson Financial Services ( HDFS XXXX and XXXX for unlawful debt collection practices, willful misreporting of my credit information, and potential tax fraud. Despite HDFS issuing a 1099-C Cancellation of Debt for my account in XXXX, both HDFS and XXXX have continued to falsely report the debt as outstanding, causing severe financial harm. 

Details of the Complaint : Harley-Davidson Financial Services ( HDFS ) : 1. Issued a 1099-C to the IRS in XXXX, legally canceling my debt of {$5700.00}. 
2. Despite this, HDFS has continued to report the debt as outstanding to credit bureaus, contradicting their own financial reporting to the IRS. 
3. HDFS provided me with a letter confirming that my balance should be reported as zero as of XX/XX/XXXX, yet they have not ensured compliance with this correction. 
4. Attempting to collect a debt that was reported as canceled to the IRS raises serious concerns about potential tax fraud, as HDFS can not legally pursue collection on a canceled debt. 

XXXX : 1. I formally disputed the false debt with XXXX, providing both : A copy of the 1099-C Cancellation of Debt issued by HDFS A letter from HDFS confirming that the debt should reflect a zero balance 2. Despite receiving clear proof that the debt was canceled, XXXX continues to report the debt as outstanding. 
3. As a result of XXXX willful misreporting, my credit score dropped by 30 points on XX/XX/XXXX, directly harming my financial standing. 
4. XXXX refusal to correct this inaccurate reporting constitutes reckless disregard of federal and state consumer protection laws, violating the Fair Credit Reporting Act ( FCRA ) and the Texas XXXX XXXX. 

Violations Committed by HDFS XXXX XXXX : HDFS issued a 1099-C while continuing to pursue collection, which may constitute fraudulent financial reporting and a violation of IRS regulations XXXX 
XXXX knowingly misreported my credit information despite receiving indisputable proof of debt cancellation, violating FCRA provisions under 15 U.S.C. 1681i. 
Both parties actions have caused significant financial harm, including damage to my creditworthiness and emotional distress. 

Notification to the IRS : Due to HDFS fraudulent actions, I am formally reporting HDFS to the Internal Revenue Service ( IRS ) for potential tax fraud. If a debt is truly canceled, HDFS can not legally attempt to collect it or report it as due. Their failure to adhere to this regulation may constitute misrepresentation to the IRS, and I will be submitting IRS Form 3949-A along with supporting documents. 

Requested Resolution : 1. Immediate investigation into HDFS and XXXX for fraudulent financial practices, willful misreporting, and tax fraud concerns. 
2. Immediate correction of my credit report to reflect the zero balance as required by the 1099-C and HDFS own records. 
3. Enforcement action against HDFS and XXXX, including fines and penalties, for engaging in deceptive financial practices and violating consumer protection laws. 

I request a prompt response and resolution to this matter. Please confirm receipt of this complaint and inform me of the next steps in the investigation. If additional documentation is required, I am happy to provide it.

Company response to consumer: Closed with explanation