Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC
State: NY

Complaint narrative:
Credit Bureau Dispute Letter Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA 611 Dear CFPB To Whom It May Concern, I am writing to dispute inaccurate and contradictory information being reported on my credit file regarding my auto loan with XXXX XXXX XXXX. XXXX has furnished conflicting and materially false information. In their XX/XX/XXXX letter to the Consumer Financial Protection Bureau, XXXX claimed that my vehicle was repossessed, sold at auction on XX/XX/XXXX, and the account was charged off. However, my credit reports as of XX/XX/XXXX, show the very same account as open and active with a reported balance of {$3500.00}, XXXX payments made totaling {$14000.00}, and 79 % of the loan repaid. The report even reflects a last payment on XX/XX/XXXX. 

These two versions can not both be true. Either the vehicle was repossessed and sold in XXXX ( meaning the account should be closed and settled ), or the account remains open and active with ongoing payments ( in which case, no repossession should be reported ). Reporting both simultaneously constitutes inaccurate and unverifiable credit reporting under the Fair Credit Reporting Act. 

Enclosed are exhibits : ( XXXX ) XXXX CFPB response claiming repossession and charge-off, and ( XXXX ) my current credit report screenshots showing open status, ongoing payments, and a balance. These documents demonstrate that XXXX is furnishing materially false information that is damaging my creditworthiness. 

Shows the account is open with a balance of {$3500.00}. 
Reports 50 payments made totaling {$14000.00}, showing 79 % of the loan paid off. 
Lists the account as In Repossession even though it is still open and active. 
Payment history is marked as derogatory for nearly every month after XXXX. 
XXXX. XXXX CFPB Response ( XX/XX/XXXX ) : Claims the vehicle was recovered and sold at auction on XX/XX/XXXX. 
States proceeds were applied to the loan balance and a deficiency balance was reported. 
Confirms they consider their tradeline accurate and lawful. 

This is a Strong Case for Deletion and It is a Direct Contradiction : XXXX XXXX  cant claim the car was sold in XXXX while also reporting the loan as open, active, with payments continuing into XX/XX/XXXX. 

False Repossession Status : Even their own reporting shows payments after the alleged repossession. This proves their repo claim and dates is factually inaccurate. 

FCRA 623 Violation : Furnishers must report accurate information. Here, they are furnishing two different versions of your account.

FDCPA 807 Violation : Misrepresenting the character or legal status of a debt by claiming repossession when none occurred. 

Under FCRA 611, I demand immediate investigation and permanent deletion of the repossession and charge-off notations, along with any false dates, from my credit file. If the furnisher can not fully verify consistent, accurate information, you are required by law to delete these items within thirty ( 30 ) days. 

Attached : ( a ) their CFPB letter claiming repo/charge-off, and ( b ) your XXXX reports showing open status and payments. 

I AM Demanding removal of all repossession/charge-off notations as unverifiable and inaccurate. 


1.Citing FCRA 611 ( they must delete unverifiable or inconsistent info within 30 days ). 

XXXX. This is a Direct Furnisher Dispute to XXXX XXXX. 

I AM Demanding deletion of ALL false repossession remarks. For every month and year after repossession sale of car I AM also Citing their own contradiction and false illegal baseless narrative remarks as evidence of willful reporting violations. 

XXXX. Filing this CFPB Complaint ( second round ) : attached the repo notation in your credit report alongside their letter. 

As it Clearly states : XXXX XXXX reported repossession in XXXX, but their trade line shows ongoing payments in XXXX. Both can not be true this is false illegal reporting. 

Sincerely, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX NY XXXX ] SSN last XXXX digits : XXXX XXXX for XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation