Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am filing this complaint against GM Financial regarding an alleged auto account and alleged deficiency balance that I fully dispute. I do not acknowledge this alleged debt, and I do not admit liability. This dispute is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

This complaint is related to unresolved issues previously reported in CFPB XXXX XXXX. XXXX, where GM Financial failed to lawfully investigate and correct disputed information. GM Financial ignored multiple dispute points including re-aging, conflicting credit reporting, and failure to validate the alleged deficiency balance. GM Financial is in continued violation after notice, which establishes willful noncompliance under federal law. 

XXXX. Illegal re-aging in violation of FCRA GM Financial reported a charge-off in XX/XX/year> but continued reporting activity in XX/XX/year>. This is illegal re-aging in violation of FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s2 ( a ) ( 5 ), which prohibits altering account history to extend reporting. Any re-aged tradeline must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ).

2. Inaccurate and inconsistent reporting GM Financial is reporting this alleged account differently to multiple credit bureaus. Equifax reports it as a charge-off, while TransUnion reports it as repossession/profit and loss. These conflicting statuses are materially misleading and violate FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ).

3. Unverified alleged deficiency balance GM Financial is reporting an alleged {$2700.00} deficiency balance. This balance is unverified and legally invalid. Under Texas Business & Commerce Code 9.611 and 9.616, a creditor must provide a legal notice of disposition and a post-sale deficiency explanation before reporting or collecting any deficiency. GM Financial has not provided legal proof that a proper sale notice was issued, that the sale was commercially reasonable, or that the deficiency was calculated lawfully. Without legal validation, the alleged deficiency balance can not be reported or collected.

4. Failure to conduct a reasonable investigation Despite prior disputes, GM Financial did not investigate my dispute as required under FCRA 623 ( b ), 15 U.S.C. 1681s2 ( b ) and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ). They responded with a generic form response that failed to address the specific dispute items. They verified the account without validation, which violates federal law.

5. Harm caused This illegal reporting has caused significant harm. It has lowered my credit score, prevented me from qualifying for mortgage financing, caused higher interest rate offers, and resulted in financial and emotional distress. This continued reporting is harming my familys ability to secure stable housing.

6. Legal non-admission I dispute this alleged account and alleged balance in full. I do not admit to owing any debt to GM Financial. This dispute is being submitted without waiving any rights under applicable federal or state law. The burden of proof remains entirely on GM Financial.

Relief requested I am requesting that the CFPB : 1. Order full deletion of this GM Financial tradeline from all credit bureaus due to unlawful and unverifiable reporting.

2. Order GM Financial to cease all collection activity on the alleged deficiency balance until lawful validation is provided.

3. Require GM Financial to produce legal documentation proving the alleged deficiency and compliance with Texas repossession law if they contest deletion.

4. Refer GM Financial to the XXXX Office of Consumer Credit Commissioner ( OCCC ) and Federal Trade Commission ( FTC ) for investigation. 


XXXX. Escalate this case for enforcement due to continued violations after notice. 



Evidence to be attached : GM Financial response letter Payment history showing re-aging Credit report screenshots showing conflicting reporting Prior dispute documentation

Company response to consumer: Closed with explanation