Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: GA

Complaint narrative:
Complaint XXXX XXXX CarMax Auto Finance Subject : Repeated Unlawful Reinsertion, Furnishing Inaccurate Data, and Unlawful Re-Aging in Violation of the FCRA Account Information Creditor : CarMax Auto Finance Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Charge-Off : XX/XX/XXXX / XX/XX/XXXX ( accounting charge-off per CarMax ) Current Reporting ( XXXX  ) : Date XXXX : XX/XX/XXXX Balance : {$32000.00} High Balance : {$34000.00} ( XXXX XXXX ) Estimated Removal : XX/XX/XXXX Pay Status : Charge-off Timeline of Events Date Event Entity XX/XX/XXXX Last payment made CarMax XX/XX/XXXX Account charged off for accounting purposes CarMax XX/XX/XXXX Official charge-off noted CarMax XX/XX/XXXX Account deleted from XXXX  after prior dispute XXXXXXXX XXXXXXXX  Account reinserted without written notice required under 611 ( a ) ( 5 ) ( B ) XXXX  XX/XX/XXXX Account deleted again following CFPB complaint XXXX  XXXX Account reinserted again, showing false Date Closed XX/XX/XXXX and high balances in XXXX XXXXCarMax XX/XX/XXXX CarMax responds, confirming charge-off for accounting purposes but refuses to acknowledge closure or correct the reported Date Closed CarMax Present Account continues to report inaccurate information, artificially extending derogatory period XXXXCarMax Violations by Entity 1. XXXX 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice : XXXX reinserted a previously deleted tradeline twice without sending written notice within 5 business days. 
1681e ( b ) Reporting Inaccurate Information : The account shows a false Date Closed of XX/XX/XXXX and high balances in XXXX, long after the last payment and charge-off. 
1681c ( a ) ( 4 ) - ( 5 ) Unlawful Re-Aging : By reporting a XXXX closure date, the accounts reporting period is artificially extended beyond seven years from the Date of First Delinquency ( DOFD, XX/XX/XXXX ). 
XXXX Willful Violations : Repeated reinsertion despite prior CFPB complaints constitutes willful and reckless violations, supporting statutory damages. 

2. CarMax Auto Finance 1681s-2 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information : CarMax confirmed the account was charged off for accounting purposes on XX/XX/XXXX and has not deleted the tradeline. Despite this, both CarMax and XXXX reported a false Date Closed of XX/XX/XXXX and high balances in XXXX. This misrepresents the accounts status to consumers and creditors. 
1681s-2 ( b ) ( 1 ) ( A ) - ( D ) Failure to Reinvestigate and Correct : Despite prior CFPB complaints and account deletions, CarMax has failed to correct inaccurate reporting or provide accurate closure dates to XXXX. 
1681c ( a ) ( 4 ) - ( 5 ) Unlawful Re-Aging : The reported closure date unlawfully extends the accounts seven-year reporting period from the DOFD. 
1681n Willful Violations : Continued furnishing of inaccurate closure data and high balances after multiple complaints constitutes willful and reckless violation of the FCRA. 
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Harm Suffered Credit denials and higher borrowing costs due to artificially extended derogatory reporting. 
Misrepresentation of account history affecting loan, mortgage, and credit applications. 
Ongoing FCRA violations because the account was repeatedly deleted and reinserted based on inaccurate closure reporting. 
Supporting Evidence Screenshots/PDFs of current XXXX  report showing : False Date Closed ( XX/XX/XXXX ) High Balance entries in XXXX Prior CFPB complaint numbers regarding previous deletions. 
Correspondence from CarMax confirming accounting charge-off but not closure. 
Timeline of deletions and reinsertions.

Company response to consumer: Closed with explanation