Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : CFPB * GM Financial, XXXX Department * XXXX  XXXX Dispute Department * XXXX  XXXX Dispute Department * XXXX  XXXX Dispute Department Subject : Final Fraud Dispute, Cease Collection, and Demand for Proper Verification To All Concerned Parties, This correspondence serves as a final demand and notice of ongoing fraud dispute regarding the account in my name with GM Financial. Despite my repeated disputes and provision of evidence, I have now received updated reports from all three credit reporting agencies stating that this account has been deemed accurate by furnisher. 
This conclusion is unacceptable and unlawful because : 1. A box check is not verification.Under the Fair Credit Reporting Act ( FCRA, 1681i ), a furnisher may not simply confirm accuracy without providing documented evidence supporting the tradeline. To date, I have received no application documents, no proof of income, no drivers license or ID verification, and no authenticated authorization of any e-signaturetied to this account.

2. The account remains under active fraud dispute.Per FCRA 1681c-2, disputed accounts identified as fraudulent must be blocked from reporting unless the furnisher produces verified, legitimate evidence of liability. Until such evidence is provided, any attempt to mark this account as accurate is a willful violation of the FCRA.

3. Collection and repossession are prohibited during fraud review.The FTC Identity Theft Rules and federal consumer protection laws prohibit furnishers from attempting to collect, repossess, or demand payment while a fraud dispute is unresolved. Any attempt by GM Financial to proceed with repossession or collection in this context will be treated as illegal collection activity and subject to legal remedies. 
4. Credit reporting agencies share liability.XXXX, XXXX  XXXX and XXXX  are obligated under FCRA 1681e ( b ) to maintain maximum accuracy. Continuing to publish this account as accurate without verified documentation makes each bureau equally liable for damages alongside GM Financial. 
Accordingly, I demand the following : * Immediate cessation of all collection, billing, or repossession activity on this account until real verification is provided. 
* Removal or blocking of the account from my credit files until proper documentation is supplied.

* Disclosure of evidence relied upon by GM Financial to certify this account as accurate. If no such evidence exists, the account must be deleted immediately. 
* Written confirmation within 15 days outlining the steps taken to comply. 
Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, state regulators, and legal counsel for full enforcement of my rights. Continued unlawful reporting or collection will expose all parties to claims for statutory damages, actual damages, punitive damages, attorneys fees, and court costs. 
This matter is ongoing, unresolved, and active. Until documentation is produced, this account must be treated as disputed, fraudulent, and unverifiable. 
Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation