Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FINAL CEASE & DESIST DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED, INACCURATE, OUTDATED, OR UNAUTHORIZED INFORMATION ( FCRA DEMAND ) To Whom It May Concern : This letter serves as my final notice and formal Cease & Desist / Demand for Deletion under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). You are hereby instructed to immediately CEASE AND DESIST reporting any and all inaccurate, incomplete, unverifiable, outdated, or unauthorized information in my credit file and to delete the items listed in XXXX XXXX below unless you can provide documented verification that complies with federal law. 

Legal basis : Under FCRA 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information and delete or correct information that can not be verified within the statutory time period. Continued reporting of unverified or inaccurate information constitutes willful and negligent noncompliance under FCRA 1681n & 1681o, exposing you to statutory and actual damages, attorneys fees, and costs.

I dispute and demand deletion of the following items ( see XXXX XXXX for account details pulled from my report ) : CARMAX AUTO FINANCE {$18000.00} ( charged-off ) XXXX XXXX XXXX XXXX$400.00} ( charged-off ) XXXX XXXX XXXXXXXX {$240.00} ( charged-off ) XXXXXXXX XXXX XXXX XXXX  {$610.00} ( collection ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} ( collection ) Collection account Acct # XXXX {$780.00} ( missing creditor information / unverifiable ) All incorrect personal identifiers including misspellings of my name ( e.g., XXXX XXXX, XXXX XXXX XXXX ) and any outdated or unauthorized addresses. 
All unauthorized, impermissible, or inaccurate inquiries ( including multiple entries listed as XXXXXXXX XXXX XXXX XXXX and other auto-finance inquiries ) that lack a permissible purpose. 

Actions demanded : 1. Immediately delete from my credit file each item in Exhibit A ( and any other item you can not fully verify ).

2. Complete a lawful reinvestigation for any item you claim to verify and send me written proof of that verification, including the identity of the furnisher and the specific documentation relied upon.

3. Provide written confirmation to me that each item has been deleted or corrected and supply an updated, free copy of my consumer file/report.

4. Provide the names, addresses, and telephone numbers of each furnisher you contacted during your reinvestigation, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

5. Cease reporting any item for which legal chain-of-title, itemized account history, or verifiable documentation from the furnisher can not be produced. 

Time frame : You must complete these actions and provide written confirmation to me within 30 days of your receipt of this letter. If you can not complete a lawful reinvestigation within 30 days, you must notify me in writing with a detailed explanation and documentation of the steps taken. 

Reservation of rights : If you fail to comply with this demand, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Illinois Attorney Generals Office, and pursue all available legal remedies, including statutory damages, actual damages, punitive damages, and attorneys fees under the FCRA.

This letter is not a request it is a demand for immediate compliance with federal law. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXXXXXX  XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX ITEMS DISPUTED ( as listed on my most recent credit report ) 1. CARMAX AUTO FINANCE Account # : XXXX Status : Closed / Charge-off Balance : {$18000.00} Date reported : XXXX  ( last update XX/XX/XXXXXXXX  ). 
XXXX. XXXX XXXX Account # : XXXX Status : Closed / Charge-off Balance : {$400.00} Date reported : XXXX ( last update XX/XX/XXXXXXXX  ). 
XXXX. XXXX XXXX, XXXX Account # : XXXX  Status : Closed / Charge-off Balance : {$240.00} Date reported : XXXX ( last update XX/XX/XXXXXXXX  ). 
XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  XXXX Account # : XXXX Status : Collection Balance : {$610.00} Last status update XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Status : Open / Collection Balance : {$640.00} Last update XX/XX/XXXX. 
XXXX. Collection Account Account # : XXXX Status : Collection Balance : {$780.00} Missing creditor name / unverifiable Last update XX/XX/XXXX. 
XXXX. Numerous inquiries listed as XXXXXXXX XXXX XXXX XXXX and other auto-finance inquiries ( dates listed throughout XXXX  ) I dispute that these were authorized or permissible and demand removal unless legal permissible-purpose documentation is provided. 
XXXX. Personal identifiers : misspellings/variations on my name appearing on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute these inaccuracies and demand correction or deletion of any records relying on them. 

( If you assert verification for any item above, produce the complete chain-of-title/assignment documentation, itemized statement showing the original creditor, contract or signed agreement bearing my signature, and a complete payment history. )

Company response to consumer: Closed with explanation