Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
( XXXX, XXXX ), ( XX/XX/XXXXXXXX  ). DO NOT SEND CONTRACTS TO SUPPORT YOUR CLAIM BECAUSE IT IS IRRELEVANT. THIS DEBT HAS BEEN PAID IN FULL WITH A 1099 - C ( CANCELLATION OF DEBT ) PLEASE CHECK YOUR RECORDS AND REMOVE THIS DEBT IMMEDIATELY. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you GM FINANCIAL , remove this fraudulent account off of consumer report. Information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at GM FINANCIAL on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C from the IRS that was mail to consumer from GM FINANCIAL. Company GM FINANCIAL already wrote the " debt '' off and did not provide any documentation to consumer which is a violation of consumer rights. GM FINANCIAL should not be reporting on a " closed account '' every month per 15 U.S.C. 1681 c-2. RIGHT TO PRIVACY. Every month fraudulent company GM FINANCIAL is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. ALSO ATTACHED TO THIS COMPLAINT IS THE 1099 - C FROM GM FINANCIAL, PROOF THAT THIS DEBT HAS BEEN PAID AND IT HAS BEEN OVER PAID. REMOVE THIS FRAUDULENT ACCOUNT OFF OF CONSUMER CREDIT REPORT, ALL THE PROOF IS ATTACHED TO THIS COMPLAINT. THIS WILL NOT RESULT TO GM FINANCIAL BE SUED ON A FEDERAL. REMOVE THIS ACCOUNT OFF OF CONSUMER REPORT. PLEASE ALSO PROVIDE PROOF THAT GM FINANCIAL DID INDEED COMMIT SECURITIES FRAUD ( GM FINANCIAL STOLE THE PROMISSORY NOTE TO CREATE THE MONEY FOR THIS ACCOUNT WHICH A SIGNATURE THAT WAS PROVIDED WHICH IS NOT MINE PAID FOR THE ENTIRE TRANSACTION ), AGGRAVATED IDENTITY THEFT ( GM FINANCIAL STOLE THE PROMISSORY NOTE TO GENERATE MONEY FOR THE TRANSACTION ) WHICH THE TRANSACTION IS PAID AND CANCELED. PLEASE MAIL ME IN WRITING THAT THIS DEBT HAS BEEN REMOVED OFF OF CREDIT REPORT. GM FINANCIAL EIN NUMBER IS XXXX DBA AMERCREDIT XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. GM FINANCIAL IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE THE INFORMATION THAT HAS BEEN REQUESTED. 

PROVIDE PROOF OF ORIGINAL PROMISSORY NOTE WITH 3 WET INK SIGNATURES, PROOF OF WRITTEN CONSENT LETTER FROM CONSUMER THAT ANY BUREAU CAN REPORT ON CREDIT REPORTS.

Company response to consumer: Closed with explanation