Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a GM Financial account that appears on my credit report as a charge-off/collection and does not belong to me. This account was not opened, authorized, or agreed to by me and is the result of identity theft. Despite my efforts to resolve this matter properly, the account continues to be reported inaccurately. 

I first became aware of the GM Financial account after reviewing my credit reports and noticing a derogatory tradeline reported as a charge-off/collection with a past-due balance. I did not recognize this account and immediately determined that it was not mine. I have never applied for financing with GM Financial for this account, never signed any loan or retail installment contract, and never received or benefited from any vehicle, funds, or services associated with it. 

Upon discovering this fraudulent account, I took immediate and appropriate action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), formally declaring under penalty of perjury that this GM Financial account was opened fraudulently and without my knowledge or consent. This report was submitted in good faith and accurately reflects my situation as a victim of identity theft. 

After filing the FTC identity theft report, I disputed the GM Financial account and requested validation. In my disputes, I clearly stated that I do not own this account and that it was the result of identity theft. I requested that GM Financial provide proof showing that I am legally responsible for the alleged debt. 

Specifically, I requested documentation such as : A signed or electronically executed retail installment contract or loan agreement Proof of my authorization or consent to open the account Identity verification records used at the time of account origination Documentation showing delivery of a vehicle or disbursement of funds to me Any records demonstrating that I benefited from this account Despite these requests, GM Financial has not provided competent, original documentation establishing that I am responsible for this account. No signed contract, no proof of authorization, and no evidence of identity verification tying me to this account have been produced. Without such documentation, there is no factual or legal basis to continue associating this account with my credit profile. 

In some responses, the account has been described as verified. However, simply repeating information already in a system or relying on internal records does not constitute proper verification in an identity theft case. Verification must be based on actual evidence demonstrating that the consumer opened and agreed to the account. That evidence has not been provided. 

The continued reporting of this GM Financial account as a charge-off/collection is inaccurate and misleading. It falsely represents my credit history and financial behavior and causes ongoing harm. Derogatory information of this nature can negatively affect access to credit, interest rates, employment opportunities, housing decisions, and overall financial stability. 

I want to be clear that this is not a dispute about payment terms, balances, or dissatisfaction with a loan. I am not refusing to pay a legitimate debt. I am asserting that no legitimate debt exists between me and GM Financial because I did not open or authorize this account. There is no valid contractual relationship. 

I have acted responsibly and in good faith throughout this process. I reviewed my credit reports, identified fraudulent information, filed an FTC identity theft report, disputed the account, and requested validation. The failure to correct the reporting despite these steps has left me with no choice but to escalate this matter through the CFPB. 

An account that was opened through identity theft and can not be validated should not remain on a consumers credit report in any status. Marking an account as disputed or leaving it reported while an investigation is ongoing does not remedy the harm caused by fraudulent reporting. 

I am submitting this complaint so that the GM Financial account can be properly investigated and removed in full. Fraudulent charge-off and collection accounts should be blocked, deleted, and permanently removed once identity theft has been documented and the account can not be substantiated. 

I respectfully request that this matter be reviewed thoroughly and that GM Financial be required to correct the inaccurate reporting so that my credit reports accurately reflect my true credit history and do not include an account that was opened through identity theft.

Company response to consumer: Closed with explanation