Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : FCRA 623 ( b ) Direct Dispute Account # XXXX Dear BMW Financial Services Dispute Department, I am submitting a formal direct dispute regarding the tradeline you are furnishing to XXXX  ( and other CRAs ) for Account # XXXX, which currently appears as Charged Off / Transferred to Recovery with a reported past-due balance of {$29000.00} XXXX  Report from XXXX  We.

Basis of Dispute 1. Incomplete & Inaccurate Reporting FCRA 623 ( a ) ( 1 ) ( A ) : You are reporting this tradeline as charged off but continue to show an active past-due balance of {$29000.00}.

Metro 2 guidelines prohibit simultaneous reporting of Charged Off / Transferred and Balance Past Due.

2. 3. 4. 5. Failure to Report Required DOFD FCRA 605 ( c ) / Metro 2 Field 25 : You have failed to provide the Date of First Delinquency ( DOFD ). Without DOFD, the CRAs can not calculate the legal 7-year reporting period, making this tradeline non-compliant.

Payment History Misrepresentation FCRA 607 ( b ) : My XXXX  file shows months coded as CO without a proper delinquency progression ( 30, 60, 90, 120 CO ).

This omission is misleading and inaccurate.

Responsibility Misclassification FCRA 609 ( a ) ( 2 ) / 623 ( a ) ( 1 ) ( A ) : The tradeline is being reported with me as a Co-maker.

I dispute this classification. If I did not legally enter into the obligation in this role, the reporting is false and violates your duty to ensure accuracy.

Unverifiable Debt FCRA 623 ( b ) : Unless you can furnish verifiable documentation ( original signed contract, complete payment history, accurate DOFD coding, and proof of liability ), this tradeline must be deemed unverifiable and deleted from all consumer reporting agencies.

Action Required Under FCRA 623 ( b ), as a furnisher of information, you are required to : Conduct a reasonable investigation into this dispute.

Provide verifiable documentation supporting the accuracy of the tradeline.

Report the results of your investigation to all credit reporting agencies within 30 days.

Delete or correct the tradeline if you can not fully substantiate it.

Notice of Liability If you fail to comply, this will constitute willful and/or negligent noncompliance under FCRA 616617 . Please note that I am fully prepared to escalate this matter by filing complaints with the CFPB, FTC, and the State Attorney General, and by pursuing all remedies available under law. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX : Copy of credit report showing BMW Financial Services XXXX XXXX of government-issued ID Proof of residence ( Insurance bill. )

Company response to consumer: Closed with explanation