Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
1. Overview of the Problem I am filing this complaint due to ongoing and repeated violations of the Fair Credit Reporting Act ( FCRA ) by both TransUnion and Ford Motor Credit. 

The XXXX tradeline on my XXXX  report contains : Contradictory balances Incorrect past-due amounts Conflicting charge-off data Inconsistent dates across all bureaus Missing payment history Incorrectly reported closed/open statuses Balance/Past Due amounts that change with no explanation A charged-off account still reporting as actively past due This reporting is factually impossible to be accurate and therefore must be deleted. 



2. Violations by XXXX  A. Failure to Provide Method of Verification ( MoV ) FCRA 611 ( a ) ( 7 ) On multiple occasions, I requested the Method of Verification for the Ford Motor Credit tradeline.

XXXX  refused to provide : 1. The name of the verifier at Ford 2. The date and time verification occurred 3. The method used ( phone, e-Oscar, documentation ) 4. The specific documentation relied upon Instead, XXXX  repeatedly responded with : We can not provide copies of the documents.

We verified directly with Ford.

Contact Ford for more details.

This is not legally sufficient under FCRA 611 ( a ) ( 7 ).

Because XXXX  failed to provide MoV, they are required by law to delete the tradeline.

B. Improper Reinvestigation FCRA 611 ( a ) ( 1 ) A XXXX  Special Handling agent called me.

Before I could explain my dispute, they : Did not ask me what was inaccurate Did not request documentation Did not clarify the dispute Hung up Then marked my dispute verified as accurate minutes later This is not a reinvestigation. 
This is a violation of federal law.

C. Parrot Verification XXXX  simply repeated whate

ver Ford sent through e-OSCAR without reviewing my evidence. Courts have ruled parrot verification to be a violation of the FCRA because it does not constitute a real investigation.

3. Violations by Ford Motor Credit Ford has furnished inconsistent, contradictory, and objectively inaccurate data, including : Different balances across bureaus Different past-due amounts Different charge-off values Different dates of last activity Missing payment history Closed account reporting as past due Ford alternating between open , closed, and charged off over time Under FCR

A : 623 ( a ) ( 1 ) A furnisher may not report inaccurate information 623 ( a ) ( 2 ) A furnisher must correct and update information Ford has not corrected anything despite multiple disputes.

4. Evidence Provided I have attached : Screenshots of XXXX  refusing the Method of Verification Screenshots of contradictory bureaus reporting different balances Screenshots of XXXX  marking the account verified with no investigation Screenshots showing inconsistent dates, balances, and charge-off info XXXX  screenshots showing three different versions of the same account This proves the information can not be verified.

5. Requested CFPB Action Due to repeated violations and inability to verify the account, I request : FULL DELETION of the Ford Motor Credit tradeline from XXXX, and confirmation that Ford ceases furnishing inaccurate data.

This is the only remedy consistent with the FCRA and federal reporting standards. 6. Harm Suffered My credit score has been significantly and unfairly damaged I am unable to obtain fair credit terms This has caused financial, emotional, and housing-related hardship Continued inaccurate reporting is causing ongoing harm 7. Conclusion XXXX  and Ford Motor Credit have violated multiple sections of the FCRA through : Failure to verify Failure to investigate Failure to provide MoV Providing contradictory reporting Furnishing inaccurate informa
tion Mishandling disputes Engaging in parrot verification Special Handling misconduct Because they can not verify the account, the FCRA requires deletion.

I respectfully request that the CFPB intervene and order : Full deletion of the Ford Motor Credit account Correction of any lingering inaccurate data Compliance review of XXXX  dispute process

Company response to consumer: Closed with explanation