Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am filing this complaint against GM Financial for willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
BACKGROUND : On XX/XX/XXXX, I sent GM Financial a formal Debt Validation Request via certified mail ( delivered XX/XX/XXXX ). My letter documented multiple material discrepancies in how GM Financial is reporting this account to the three major credit bureaus and requested specific validation documents. 
DOCUMENTED DISCREPANCIES IN MY DISPUTE : ORIGINAL BALANCE : XXXX  reports {$32000.00}, XXXX  reports {$32000.00}, but XXXX reports {$30000.00} a {$2500.00} difference. 
LAST PAYMENT DATE : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, but XXXX reports XX/XX/XXXX an XXXX discrepancy. 
ACCOUNT OPENING DATE : XXXX reports XX/XX/XXXX, but XXXX and XXXX report XX/XX/XXXX. 
ACCOUNT REMARKS : XXXX reports " Charged off as bad debt, '' XXXXXXXX reports " Charged off account, '' but XXXX reports " Voluntary surrender. '' These are materially different account dispositions. 
REPORTING DATE XXXX : XXXX shows this account was last reported XX/XX/XXXX ( over XXXX years ago ), while XXXX XXXX XXXX show reporting in XX/XX/XXXX. This suggests possible illegal re-aging. 

VALIDATION DOCUMENTS I REQUESTED : Original signed contract or loan agreement bearing my signature Complete payment history showing all charges, credits, and how balances were calculated Documentation establishing chain of ownership and authority to report Explanation for each discrepancy identified GM FINANCIAL 'S INADEQUATE RESPONSE : On XX/XX/XXXX, GM Financial sent a form letter ( Dispute ID : XXXX ) that simply restated account information : opening date, vehicle description, high credit amount, monthly payment, and current balance. This response : Provided NONE of the validation documents I requested Did NOT include a signed contract proving this debt belongs to me Did NOT include any payment history Did NOT address ANY of the discrepancies I documented Did NOT explain the {$2500.00} balance difference between bureaus Did NOT explain the conflicting dates or remarks Simply claimed they " updated '' information without specifying what was changed or why FCRA VIOLATIONS : GM Financial 's response constitutes willful noncompliance with federal law. They failed to conduct a reasonable investigation as required by FCRA 623 ( a ) ( 8 ), failed to provide validation as required by FDCPA 1692g, and failed to report information with " maximum possible accuracy. '' Restating the same disputed information is NOT validation. GM Financial has provided XXXX evidence that this debt is valid, that the amounts are correct, or that I am the correct account holder. They can not claim information is accurate when they are reporting contradictory data to different bureaus and refuse to provide supporting documentation.

Company response to consumer: Closed with explanation