Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Immediate Block & Deletion Required Fraudulent Accounts | Fraudulent Inquiries | Identity Theft | XXXX XXXX XXXX XXXX Noncompliance To Whom It May Concern, I am filing this formal complaint against XXXX for reporting fraudulent accounts, collection accounts, student loan accounts, and unauthorized inquiries on my credit report. These accounts and inquiries are the result of identity theft and data breach exposure, and XXXX continues to report inaccurate, unverifiable, and XXXX XXXX noncompliant information while relying on the XXXX system in a manner that violates federal law. Identity Theft & Data Breach Declaration I am a victim of identity theft due to a documented data breach involving my personal information. I have obtained evidence confirming my information was compromised and have filed an Official FTC Identity Theft Report, which legally requires the immediate blocking of fraudulent accounts and inquiries. Fraudulent Accounts Requiring Immediate Block & Deletion 1.VW CREDIT INC Account # : XXXX Date Open : XX/XX/XXXX Balance : {$58000.00} Severe Violations Charge-Off Abuse & 1099-C Noncompliance Several disputed accounts reflect charge-off activity that is being reported in a legally noncompliant manner. These accounts are being charged off and reported as losses, yet I have never received a 1099-C ( Cancellation of Debt form ) as required A creditor can not both claim a loss and continue to report/collect without proper tax reporting compliance Additionally : Multiple or improper charge-off reporting constitutes illegal re-aging practices This improperly extends the reporting period beyond the 7-year FCRA limit Failure to issue a 1099-C while continuing to report charged-off balances raises serious legal and tax compliance violations. Legal Violations & Enforcement 15 U.S.C. 1681c-2 ( FCRA Section 605B ) Requires mandatory blocking of identity theft accounts within 4 business days No reinvestigation is required once FTC proof is submitted Continued reporting constitutes willful noncompliance 15 U.S.C. 1681e ( b ) Experian is required to ensure maximum possible accuracy. Reporting fraudulent, inaccurate, re-aged, and noncompliant accounts and inquiries is a direct violation of federal law. 15 U.S.C. 1692g ( FDCPA Validation Requirement ) These accounts have not been properly validated No competent evidence has been provided proving I owe these debts Reporting unverified debts is unlawful XXXX XXXX Compliance Violations ( Enhanced Enforcement ) These accounts are being reported in direct violation of XXXX XXXX standards, including : Improper charge-off status reporting Inaccurate balances and account conditions Missing or inconsistent data fields Failure to properly reflect dispute indicators Lack of verifiable ownership and authorization XXXX XXXX requires complete, accurate, and verifiable reporting. Any account not meeting these standards must be deleted, not corrected. XXXX System Violations Experians handling of my dispute through the e-OSCAR system is also in violation of federal law. My dispute and supporting documentation, including my FTC Identity Theft Report, were not properly reviewed XXXX relies on automated dispute codes ( ACDV ) instead of a reasonable investigation Critical evidence is not transmitted in full to furnishers This violates 15 U.S.C. 1681i, which requires a reasonable reinvestigation. Reliance solely on XXXX without reviewing documentation is not legally sufficient. 4-DAY LEGAL DEADLINE This is a formal legal demand. Under FCRA Section 605B, XXXX must : Block and remove ALL fraudulent accounts and unauthorized inquiries within 4 BUSINESS DAYS. Demand for Immediate Resolution I demand : 1. Immediate block and deletion of all listed accounts 2. Removal of all fraudulent inquiries 3. Removal of all fraudulent charge-off and collection accounts 4. Full compliance with FCRA Section 605B 5. Enforcement of XXXX XXXX compliance standards requiring deletion XXXX. A proper investigation outside of the XXXX system XXXX. Written confirmation of deletion XXXX. Assurance that these accounts and inquiries will not be reinserted Notice of Intent Failure to comply will result in : Escalation to additional regulatory agencies Filing for arbitration and litigation Seeking damages for : Willful noncompliance Inaccurate reporting Illegal charge-off practices Failure to issue 1099-C XXXX XXXX violations Failure to conduct a reasonable investigation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation