Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc.
State: WA

Complaint narrative:
I had 2 cars financed thru car max I was driving one myself and renting one out online as a source of income and during covid I got in an accident someone cut me off and I crashed the XXXX XXXX XXXX into a bench and I dropped it off at a mechanic then a few days later I had a family emergency in XXXX so I left the country and then I was still renting out the other XXXX for a few months and then I got stuck in XXXX and I couldnt fly back for almost 2 years because of me not willing to take the vaccine so I had a friend of mine store it for me and I guess it was repoed from his house before I could come back and try figure it all out so Im back now after 4 years I stayed over there due to haveing a child over there and Im back tryna fix my past problems then I saw how XXXX  was doing the same thing to many other people putting the wrong information and ruining peoples credit .. and on top of that my new XXXX XXXX XXXX stolen in XXXX at my friends house who was storing it for me and I reported it stolen when I got back so here is a formal complaint Ill add it in rite here thanks and hope you can help And I had all my belongings I left in California XXXX the car when they repoed it and That was locked away in the trunk and inside a gated house because it was expensive clothing and XXXX XXXX XXXX XXXX XXXX XXXX la XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Improper Investigations To Whom It May Concern, I am writing to formally file a complaint regarding Experians handling of my credit report and the unjustified negative impact on my credit score due to inaccuracies and a failure to conduct proper investigations into my disputes.

Despite my attempts to resolve errors on my credit report, Experian has either failed to investigate these disputes thoroughly or neglected to correct clearly inaccurate information. As a result, my credit score has been unfairly damaged, affecting my financial standing and access to credit.

I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian ( see : CFPB XXXX ) for similar patterns of misconduct specifically, for engaging in sham investigations and violating federal law in the handling of consumer disputes. I believe my situation reflects the type of negligence outlined in the lawsuit, and I am extremely concerned that Experians practices continue to harm consumers like myself. 

I demand that Experian : XXXX. Immediately conduct a thorough and good-faith reinvestigation of all disputed items on my credit report. 
XXXX. Remove any inaccurate or unverifiable information without delay. 
XXXX. Provide me with a written explanation and confirmation of the actions taken. 

If these issues are not resolved promptly and properly, I am prepared to escalate my complaint to the CFPB, the Federal Trade Commission ( FTC ), and consider legal action if necessary. 

I request a response within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation