Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
ATTACHMENTS SUMMARY SUPPORTING EVIDENCE AGAINST TRANSUNION I am providing the following documents as supporting evidence of TransUnions violations of the Fair Credit Reporting Act ( FCRA ), failure to reinvestigate my disputes, and improper reporting of unverifiable derogatory accounts. 
This summary corresponds to the attachments uploaded with my CFPB complaint. 

XXXX. XXXX  XXXX Breach Notification Letter Date of Letter : XX/XX/year> Description : This letter from TransUnion confirms that my personal identifying informationincluding my Social Security Number and Date of Birthwas accessed by unauthorized parties as a result of a TransUnion system vulnerability. This breach compromises the accuracy and integrity of my credit file and demonstrates a violation of FCRA 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ). 

XXXX. XXXX Dispute Response Letter Showing Non-Response From TransUnion Description : XXXX notified me that TransUnion failed to respond to their reinvestigation request. 
This proves that TransUnion did not conduct a reinvestigation despite reporting to me that the disputed items were verified. 
This failure violates : FCRA 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate FCRA 611 ( a ) ( 2 ) ( B ) Must forward dispute to furnisher FCRA 611 ( a ) ( 6 ) ( B ) Must provide method of verification FCRA 611 ( a ) ( 5 ) ( A ) Must delete unverifiable information FCRA 1681i Reasonable reinvestigation requirement This letter is clear evidence that TransUnion did no investigation. 

XXXX. XXXX  Credit Report Showing Disputed Derogatory Accounts Description : Screenshots/PDF pages from my XXXX credit report showing the derogatory accounts TransUnion claims were verified accurate despite the lack of investigation and the data breach. 
The accounts include : GM Financial ending XXXX XXXX XXXX XXXX ending XXXX These accounts remain inaccurate, incomplete, and unverifiable. 

XXXX. Prior Dispute Attempts ( Optional ) Copies of disputes I filed with TransUnion demonstrating repeated failures to conduct a proper investigation. 

XXXX. Identity-Related Correspondence ( Optional ) Any additional documents supporting the impact of the XXXX  data breach on the accuracy of my consumer file. 

Summary of Violations Supported by Attachments The attached documents demonstrate that XXXX  is in violation of : FCRA XXXX681e ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) Failure to reinvestigate consumer disputes FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable information FCRA 611 ( a ) ( 6 ) Failure to provide method of verification FCRA 1681i Unreasonable reinvestigation FCRA 609 Failure to provide verification documents FACTA Identity Theft Red Flags Rule Failure to act after data compromise Requested CFPB Action I respectfully request that the Consumer Financial Protection Bureau require TransUnion to : Delete all disputed derogatory accounts immediately pursuant to FCRA 611 ( a ) ( 5 ).

Provide the full Method of Verification for any previously verified items. 
Correct or delete all inaccurate or corrupted data resulting from the TransUnion data breach. 
Ensure full federal compliance with all FCRA and FACTA requirements.

Company response to consumer: Closed with explanation