Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
Ford Motor Credit Company LLC Attn : Credit Reporting / Disputes Department XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccurate delinquency reporting that Ford Motor Credit is furnishing to XXXX XXXX XXXX XXXX regarding my auto loan account ending in XXXX XXXX XXXX 

Although this account is currently reported as Open and Current, Ford Motor Credit is reporting XXXX and XXXX late payment notations that I dispute as inaccurate and not reflective of my true payment history. Specifically, Ford Motor Credit is reporting delinquency/late-payment status during months where approved payment extensions existed due to hardship circumstances. 

I have disputed this inaccurate information multiple times ( XXXX disputes ). Despite my repeated disputes, the delinquency information continues to be verified and reported without correction. This pattern indicates that the investigation conducted was not reasonable and/or that Ford Motor Credit is continuing to furnish information that is inaccurate. 

This inaccurate reporting is causing ongoing harm and constitutes violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to the following sections : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information that is incomplete or inaccurate.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : After receiving notice of a dispute from a consumer reporting agency, the furnisher must conduct a reasonable investigation, review all relevant information, and correct or delete inaccurate information. 

Because the same inaccurate late-payment reporting continues to be verified, I believe Ford Motor Credit has failed its duty to conduct a reasonable investigation and to correct or delete inaccurate derogatory reporting.

Requested Resolution I am requesting that Ford Motor Credit immediately take the following actions : Correct or delete all inaccurate XXXX and XXXX late-payment notations that were reported during months where approved payment extensions existed. 

Update the account to reflect accurate payment history across all credit bureaus ( XXXX XXXX XXXX XXXX ). 

Provide written confirmation that the inaccurate late-payment reporting has been corrected or deleted. 

Provide the documentation Ford Motor Credit relied upon in verifying the alleged delinquencies, including but not limited to : Account payment history ledger Extension approval records and hardship notes Dates and amounts applied to the account Any verification method or records used to validate the disputed late-payment reporting Documentation Attached I am enclosing supporting documentation, including applicable pages of my credit report showing the disputed delinquency reporting and any available extension-related documentation.

If Ford Motor Credit does not correct this reporting, I will pursue further action including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other remedies available to me under federal law. 

Please respond in writing within 15 days confirming your investigation results and the correction/deletion of the inaccurate reporting.Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation