Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I have been disputing this ford motor credit account XXXX for several months and all FMCC is stating I was there at the dealership signing but the paperwork they sent me is digital and Esign not ink to paper. GA state laws state any contract at a license dealership must be signed under camera and held for 7 years. My attorney who had XXXX XXXX served to provide that video stated they didn't have a video of me signing the contract. They even stated the deal was cancelled by ford credit in late XXXX of 2019 and request the funded deal to be refunded by app in the fund department named XXXX XXXX. They track the truck on the XXXX app and sent XXXX XXXX to pick it up and return that night back to XXXX XXXX in XXXX GA and XXXX XXXX XXXX will be there to except the truck back and paid Premier Recovery for the repo fee and transporting. I talked to XXXX concerning this matter and he provided the screenshot and email from XXXX XXXX at XXXX to show what happened. Then I reach out with a PI and the courts in XXXX NC with XXXX XXXX XXXX GA and NC to the man who purchase the truck that was bought under name as fraud. The owner stated in a court recording that he thought the truck was new but a demo and then he provided the paperwork contract were he bought the truck from XXXX XXXX on XX/XX/year> and even financed it through XXXX. Then the courts requested a XXXX report to have a second verified proof of the fraud deal and proof were the truck was never sold to me and titled. I have provided disputed inquires when the deal was submitted to FMCC and a letter from FMCC stating they have removed the fraud app inquire and then even a thank you letter from FMCC. Then I submit a Police report and FTC report and letters from the credit bureau and proof from XXXX showing no XXXX Truck or any autos were ever titled to me. Now North Carolina never gets rid of any titled autos even if the autos are sold or not, it stays on your file forever. I showed I was even out of the country and verified through homeland were I was and this some kind of a lady XXXX thinks she's above the law and says I have signed doc, Well XXXX you must sign a doc to get the auto off the dealership and to commit identity theft. Now XXXX XXXX is willing to come to court and state the whole deal was undone by FMCC and XXXX XXXX  is to and a rep from XXXX is coming as well and also a XXXX XXXX XXXX with NC and GA to state on record that FMCC is committing fraud. I honesty hope XXXX XXXX FMCC keeps stating this account is mine because that makes the Law Suit worth more. I have filed suit against FMCC and XXXX and no I will not say XXXX 's last name do to privacy. I have now with my attorneys has hired private investigators to have her served at her home or wherever they can find her to serve her to come to court. I have filed a complaint with the law firm in XXXX with NC State Bar concerning fraud service with attorneys XXXX, XXXX, XXXX and they answered the concern and provided the information they received from FMCC and the statement they gave NC State Bar was they were given wrong information and wrong address to have me serviced for a lawsuit against FMCC and they will reclaim the lawsuit and judgement from the courts and File a NC Rule XXXX form to set the judgment aside a wrong service to commit court fraud. They even send all the information from FMCC to the NC Attorney General Office to have FMCC investigated for fraud. XXXX, XXXX, XXXX are willingly coming to court to testify of what XXXX did and turned over all records to the NC prosecutor in XXXX XXXX XXXX NC to investigate them for trade line fraud. I will not stop under I get the justice I want and deserve and now I have the FMCC attorneys on my side and now the dealership and now the XXXX person and now XXXX police and the owner who bought this truck as new and as a demo and financed it as a new truck because he got a special rate from FMCC for being new auto loan. XXXX is a joke and clearly doing all of this to get her jollys off but I will go up the latter and I will not stop under she's investigated and fired because XXXX is a joke and doesn't need to be in the ID Department. She believes no one and everything is there fault and nothing is FMCC fault but this time I have to much proof and its amazing to me that they claimed I had a truck with FMCC and then it was repoed and the truck was never titled or sold as new to a second person and then nothing on the XXXX and XXXX XXXX knows everything because he was wearing a chest camera and had the phone call recorded and when he dropped the truck off at XXXX and met XXXX XXXX it was all on recording but the dealership that's required by law doesn't have the video frontage of me signing my name for this truck FMCC and XXXX claims I bought while I was out of the country. Too Funny, I've been talking to the office of the president with FMCC and now there getting involved because according to them there to many unone questions and when they called the repo XXXX and heard what he had to say it now done a internal investigation against ID department and XXXX and her supervisor. They said don't say anything to the ID department concerning the internal investigations but I honestly don't care and I hope XXXX gets fired or at least trained properly. See you in court XXXX and XXXX

Company response to consumer: Closed with explanation