Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
CFPB Complaint False Credit Reporting by Summit AR and XXXX XXXX I am filing this formal complaint against Summit AR ( a collections agency representing XXXXXXXX XXXXr ) and XXXXXXXX XXXX  for unlawfully damaging my credit profile by reporting a debt I do not owe or recognize. This has resulted in derogatory marks on my previously excellent credit history, and I request immediate intervention under the Fair Credit Reporting Act ( FCRA ) to delete all negative information from XXXX, XXXX, and XXXX, with no collection or charge-off remaining, open or active. 

Key Facts of the Dispute : In XXXX, the vehicle in question was rented under XXXX XXXX 's XXXX Plus subscription model ( Subscription ID : XXXX ) a corporate monthly subscription leased exclusively to Debt XXXX XXXX XXXX XXXX XXXX the sole contracting party. 
XXXX XXXX XXXX signed the agreement, assumed full liability, and was covered by the program 's comprehensive insurance, which included protection for any damages ( e.g., the alleged cracked windshield ). 
I, XXXX XXXX, was designated as the driver only for operational purposes and was not a party to the lease or rental agreement ; I bear no personal responsibility or liability. 
Summit AR, acting on behalf of XXXX XXXX XXXX erroneously placed a derogatory tradeline on my credit reports for this supposed bill, despite the corporate nature of the rental and the absence of any contract assigning personal liability to me. Summit AR falsely alleged that my credit history had been impacted since XXXX. This statement is false since the derogatory mark appeared today XX/XX/XXXX on my credit profile as collection and charge of. 
Despite my repeated demands to both XXXX XXXXr and Summit AR for validation documentation ( e.g., the specific contract excerpt proving individual responsibility ), none has been providedbecause no such provision exists under the corporate subscription agreement of at the time XXXX Plus Subscription Model This inaccurate reporting violates FCRA provisions requiring accurate and verifiable information ( 15 U.S.C. 1681e ( b ) and 1681i ). The debt should have been processed through XXXX XXXX XXXX 's insured corporate account under the subscription rental agreement, not pursued against me individually. 

Requested Actions : Immediately investigate and direct Summit AR and XXXX XXXX to delete the tradeline and all associated derogatory marks from my credit reports at XXXX XXXX and XXXX. 
Ensure no collection, charge-off, or further negative reporting appears on my profile, restoring my excellent credit history immediately. 
Provide written confirmation to me within XXXX  days that : ( a ) the debt has been validated as corporate and rebilled to XXXX XXXX XXXX, ( b ) all collection efforts against me have ceased, and ( c ) the tradeline has been permanently deleted and reported as such to the bureaus. 
If non-compliance persists, pursue enforcement actions against Summit AR and XXXX XXXX for willful violations, including potential statutory damages. 

I have the account for subscription model called XXXX XXXX at the time as provided above supporting documentation, including prior correspondence with Summit AR and XXXX XXXX. Please contact me at XXXX or XXXX for any additional information. 
I expect a prompt resolution to prevent further harm to my financial standing. 
Thank you for your assistance in enforcing consumer protections. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation