Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I HAVE BEEN IN CONTACT SEVERAL TIMES WITH FMCC CONCERNING A FRAUD ACCOUNT THEY ARE REPORT ON MY CREDIT FILE, THEY HAVE KNOWLEDGE AND ENOUGH IS ENOUGH NOW, THEY KEEP SAYING I WAS THERE IN PERSON SIGNING MY NAME ON CONTRACTS TO PURCHASE A XXXX XXXX XXXX  I WAS OUT OF THE COUNTRY AND IT STATES THAT ON THE POLICE REPORT VERIFIED BY HOMELAND SECURITY THROUGH XXXX XXXX SO HOW COULD I BEEN OUT OF THE COUNTRY AND BE IN XXXXXXXX XXXX  BUYING A TRUCK. GET REAL, ITS JUST MAKING THE COUNTER CLAIM AGAINST XXXX STRONGER FOR LEGAL ACTIONS. ALL THEY KEEP SAYING LOOK YOU SIGNED THE CONTRACTS BY NOT SHOWING ME UNDER GA LAWS A RECORDING OF VIDEO ME SIGNING A CONTRACT. IN GA TO ABLE TO HAVE A FINANCING AT A DEALERSHIP THEY MUST HAVE CAMERAS IN THE CEILING RECORDING THE AGREEMENT CONTRACTS. XXXX DOESN'T AND HAS SENT ME SEVERAL LETTER FROM THERE LEGAL TEAM SAYING THEY CANCELLED THE DEAL ONCE THEY FOUND OUT IT WAS A FRAUD APP AND THEY EVEN SAID THEY SENT THE SAME LETTER TO XXXX XXXX. XXXX STILL IS TRYING TO REPORT A FRAUD ACCOUNT AND FRAUD ADDRESS ON MY CREDIT FILE TO DO FINANCIAL RUINS ON MY CREDIT FILE. I HAVE TALKED TO XXXX SEVERAL TIMES AND CLEARLY SHE HAS HER MIND MADE UP AND IS THROWING XXXX  UNDER THE BUS FOR LEGAL RECOURSE. I HAVE FILED LAWSUIT IN XXXX XXXX XXXX NC AND MY ATTORNEY IS XXXX XXXX AND XXXX FILED SUIT AGAINST XXXX XXXX AND FORD MOTOR CREDIT COMPANY FOR XXXX AND SEEKING XXXX FOR FRAUD WITH KNOWLEDGE. THERE ARE SEVERL SUBPOENAS OUT NOW FOR XXXX AND SEVERAL OTHERS WITH FORD MOTOR CREDIT COMPANY TO BE IN COURT IN XXXX XXXX XXXX ON XX/XX/2024 TO STATE AND TURN OVER ALL RECORDS, I CONFIRMED WITH LAW ENFORCEMENT TODAY THEY HAVEN'T SERVED HER OR THE OTHERS YET BUT NOW THERE GOING TO THE HEADQUARTERS TO SERVE THEM TO BE IN COURT. I HAVE SENT THE ID DEPARTMENT WERE I DISPUTED THE XXXX INQUIRES BEFORE THE PAPERWORK WAS SIGNED WARNING FMCC NOT TO GIVE THE LOAN. I EVEN CALLED, THEN I CONTACTED PREMIER RECOVERY WHO PICKED THE TRUCKS UP AND THEY STATED THEY REMEMBER THIS DEAL VERY WELL. THEY STATED THEY GOT A HARMLESS WITHOUT A COPY OF THE TITLE SAYING GO GET THIS TRUCK AND TAKE IT STRAIGHT BACK TO XXXX XXXX TONIGHT AND YOU'LL MEET A MAN NAMED XXXX XXXX IS THE ACTING XXXX AND HE'LL PAID YOU DIRECTLY, THEY XXXX AT XXXX XXXX SAID IT WAS A FRAUD APP DEAL AND IT NEEDS TO BE HUSH AND NO ONE NEEDS TO KNOW. THEN I PULLED XXXX ON THE VIN OF THAT XXXX THAT THEY SAID I PURCHASED AND IT SAYING XXXX OWNER AND PURCHASED XXXX, SO IF I WOULD HAVE BOUGHT IT WOULDNT IT SAY XXXX OWNER AND REPO ON XXXX. THEN I REACH OUT TO THE OWNER WHO BOUGHT IT FROM XXXX AND EVEN FINANCED IT WITH XXXX A LOW INTEREST RATE FOR BEING NEW AND BEING A XXXX XXXX, XXXX HAS BEEN SUBPOENA TO COURT HAS WELL, WHEN ALL THIS GOES DOWN XXXX IS GOING TO FIRED OR HER SUPERVISORS BECAUSE IS GOING TO BE POINTING FINGERS AT HER SAYING WHY DIDN'T YOU FIX THIS. LOOK ON POLICE REPORT WERE IT SAYING VERIFIED XXXX XXXX XXXX WAS OUT OF THE COUNTRY. DON'T BELIEVE IT DO IT YOURSELF WITH XXXX XXXX XXXX XXXX. THEN YOU'LL KNOW FOR YOURSELF I WASN'T EVEN IN THE XXXX. SEE YOU IN COURT XXXX

Company response to consumer: Closed with explanation