Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VW Credit
State: TX

Complaint narrative:
I am filing this complaint against Volkswagen Credit regarding a serious and ongoing violation of the Fair Credit Reporting Act ( FCRA ).

There is an account reported by Volkswagen Credit that should no longer appear on my credit report. It has been over 7 years since the date of first delinquency, and under the FCRA, such derogatory information must be automatically deleted from consumer credit reports after that period.

Despite this, the account remains on my credit file with all three major credit bureaus ( Equifax, Experian, and TransUnion ). I have verified that the date of first delinquency occurred more than seven years ago, meaning this account should have been removed by now. This continued reporting is both unlawful and harmful to my credit standing.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) Time Limit on Adverse Information The FCRA clearly states that adverse information, including accounts placed for collection or charged off, must be removed from a credit report after seven years from the date of first delinquency. The continued reporting of this Volkswagen Credit account beyond that timeframe is a direct violation of this provision.

2. FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information Furnishers of credit data, like Volkswagen Credit, are required to report accurate and timely information. Keeping an obsolete account on my credit report constitutes inaccurate and outdated reporting, which is illegal under this statute.

3. FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Once Volkswagen Credit became aware of the age of the account, they had a duty to correct and cease reporting it. Their continued failure to do so reflects noncompliance with their obligations.

4. FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Civil Liability for Willful and Negligent Noncompliance If a furnisher willfully or negligently fails to comply with the FCRA, they may be liable for actual damages, statutory damages, attorneys fees, and punitive damages. The failure to delete this account after 7 years shows a willful disregard for the law.

Harm and Intent to Pursue Legal Action : Due to Volkswagen Credits unlawful reporting practices, I have suffered the following : Lowered credit score Difficulty obtaining fair credit terms Ongoing emotional and financial stress If this matter is not resolved immediately, I intend to pursue legal action against Volkswagen Credit and seek punitive damages, legal costs, and all remedies available under the FCRA.

Resolution Requested : I am demanding the following actions : 1. Immediate deletion of this obsolete account from all credit reporting agencies.

2. A formal written confirmation that the account has been deleted and will not reappear.

3. Compensation for any documented harm, and acknowledgment of Volkswagen Credits failure to comply with federal law.

Consumers have the right to a fair and accurate credit report. I am requesting the CFPB take action to hold Volkswagen Credit accountable for its ongoing violation of the law.

Company response to consumer: Closed with explanation