Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
Automotive Credit Corp Attn : Credit Reporting Compliance Re : Account # XXXX ( Auto Loan opened XX/XX/XXXX ) Inaccurate Reporting Dispute Dear Sir or Madam, I am writing to dispute inaccurate information you have furnished to consumer reporting agencies regarding my above-referenced auto loan. I acknowledge this account is mine, but I never missed any payments. Your credit reports nonetheless show a XXXX late payment in XX/XX/XXXX, a XXXX late payment in XX/XX/XXXX, and a charge-off in XX/XX/XXXX. These entries are demonstrably false and harmful. I have records proving all payments were made on time. Under the Fair Credit Reporting Act ( FCRA ), furnishers must ensure maximum possible accuracy in reporting law.justia.com, and must delete any disputed item found to be inaccurate caselaw.findlaw.com. Reporting these false delinquencies violates those requirements. Specifically, your reporting contains the following clear errors : XXXX delinquency ( XX/XX/XXXX ) This is incorrect ; I paid on time. 
XXXX delinquency ( XX/XX/XXXX ) Also incorrect ; payments were current. 
Charge-off ( XX/XX/XXXX ) False, as the account was never charged off or delinquent. 
None of these events occurred. Because you refuse to verify the accuracy of this data, these inaccuracies remain on my credit report. As a furnisher, you are obligated under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any dispute of information uscode.house.gov. If after reinvestigation you find an item inaccurate or incomplete, you must promptly ... modify or delete that item uscode.house.gov. Here, the disputed late payments and charge-off are patently inaccurate and must be corrected. FCRA Section 1681e ( b ) and 1681i ( a ) further demand that consumer reports be both accurate and promptly corrected when errors are disputed law.justia.com. Courts have repeatedly reinforced these duties. For example, in XXXX v. XXXX the Third Circuit held that once inaccurate information is identified, the credit agency must delete it caselaw.findlaw.com. The court also noted that FCRA sections 1681n and 1681o provide for statutory and punitive damages for willful noncompliance caselaw.findlaw.com. Likewise, XXXX v. XXXX emphasizes that FCRAs goal is fair and accurate credit reporting the law protects consumers from being unfairly characterized by outdated or false data law.justia.com. By continuing to report the false late payments and charge-off, you are undermining these protections. Accordingly, I demand that Automotive Credit Corp immediately permanently delete or correct all false derogatory entries on this account. The account status should be updated to Paid as agreed ( or at minimum unknown ) and the erroneous late payment and charge-off notations removed from all consumer reporting files. This demand is not optional 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires you to correct or delete disputed information that you can not verify uscode.house.gov. The continued presence of these errors also forces CRAs to violate their own duties under 1681e ( b ) and 1681i ( a ) law.justia.com caselaw.findlaw.com. Please provide me with written confirmation within XXXX ( XXXX ) business days that you have corrected the reporting as requested. If you fail to comply, I will have no choice but to pursue all remedies available under law. This includes filing complaints with the Consumer Financial Protection Bureau and state regulators, and seeking statutory damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n & 1681o caselaw.findlaw.com for your willful or negligent maintenance of false information. Courts have made clear that furnishers who report false information can be held liable for the harm they cause ( see, e.g., Cushman, 115 F.3d at 225 ). Thank you for your prompt attention to this serious matter. I expect your swift action to correct my credit record. You must also notify all nationwide consumer reporting agencies to which you furnished the inaccurate information so that their files can be updated accordingly. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation