Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Account Number XXXX Status Closed Type Installment Unpaid Balance {$4400.00} Comments CHARGED OFF ACCOUNT Date Opened XXXX Last Activity XXXX High Balance -- Monthly Payment {$0.00} Current Rating CollectionOrChargeOff Term Source Type -- Original Creditor -- Highest Adverse Rating CollectionOrChargeOff Most Recent Adverse Rating -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/XXXX To whom it XXXX concern : I am asking you to please review your data on file for me and ensure that it is accurate and up to date. I am relying on you to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards to ensure that all information in my credit report is correct. If you find any inaccuracies or deficiencies in the reporting, please correct them immediately. Thank you for your cooperation in this matter. 
GM FINANCIAL I am writing regarding the account GM FINANCIAL with the number XXXX, which is currently showing an inaccurate rating of CollectionOrChargeOff on my credit report. I kindly request that you delete this account immediately. Upon my review, I noticed that the account is recorded as opened on XXXX, with a date of last activity marked as XXXX. These details are incorrect, and I urge you to rectify this by removing the account entirely. 
Additionally, the last verified date is reported as XXXX. Under the Fair Credit Reporting Act, I am entitled to know how you verified this account. Please provide all the relevant information, as well as documented proof of the alleged balance of {$4400.00}, which I dispute. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), it was ruled that failure to correct inaccuracies violates consumer rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also upheld the consumers right to accurate reporting. Furthermore, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) established the duty to delete unverifiable information. I trust you will address this promptly. 
I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. Appreciatively XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX XXXX XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Page XXXX of XXXX

Company response to consumer: Closed with explanation