Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
Re : **Dispute and Demand for Debt Validation Under the FDCPA Account No. : XXXX XXXX Dear Sir or Madam, I am writing to formally dispute and demand immediate validation of the alleged debt associated with the above-referenced account. I unequivocally state that I have never purchased or taken possession of any vehicle from your company. Consequently, I deny any liability for this account and insist that you provide concrete evidence supporting your claim, as required under the Fair Debt Collection Practices Act ( XXXX  ). 

**Account Information for Your Reference : ** - **Account Name : ** FRD MOTOR CR - XXXX Number : ** XXXX XXXX - **Account Type : ** Installment Account - **Date Opened : ** XX/XX/XXXX - **Status : ** Closed Charged off as Bad Debt ( Status updated XX/XX/XXXX ) - **Current Balance : ** {$15000.00} ( as of XX/XX/XXXX ) - **Original Balance : ** {$26000.00} - **Last Payment Date : ** XX/XX/XXXX - **Past Due Amount : ** {$15000.00} - **Terms : ** XXXX  Months - **Responsibility : ** Individual Account Under the FDCPA, I demand that you provide the following documentation without delay : XXXX. **Proof of Transaction : ** Provide copies of any contracts, purchase agreements, or documentation that purports to show that I agreed to purchase or finance the vehicle in question. 

XXXX. **Chain of Title and Assignment : ** Furnish a complete record detailing the chain of title and assignment that purportedly links this account to me, including all documentation establishing your legal standing to collect on this alleged debt. 

XXXX. **Verification of XXXX XXXX : ** XXXX detailed account statements that verify how the current balance of {$15000.00} was determined, including a breakdown of any fees, charges, or interest that have been applied. 

Given that I have never purchased or taken possession of the vehicle, I consider this alleged debt to be erroneous. I also question why your office is attempting to collect on a debt for a transaction that never occurred. If you are unable to provide the requested documentation that unequivocally ties this debt to a bona fide transaction involving me, you are required to immediately cease all collection efforts and remove any related information from my credit files. 

Please note that failure to comply with this demand within XXXX days** from your receipt of this letter will leave me no choice but to take appropriate legal action. This XXXX include filing formal complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and any other relevant regulatory agencies, as well as pursuing any and all legal remedies available under the FDCPA. 

All future communications regarding this matter must be in writing and sent to the address listed above. 

Thank you for your immediate attention to this serious matter. I expect your prompt response within XXXX days** of receipt of this letter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation