Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
To : Yamaha Motor Finance Corporation, USA Subject : FINAL NOTICE Immediate Dispute and Demand for Removal of False Charge-Off Reporting Dear Yamaha Motor Finance Compliance Department , This letter serves as final notice that your continued reporting of Account # XXXX as a monthly CC ( Charge-Off Collection ) is knowingly false, misleading, and a direct violation of federal law. You have been given multiple opportunities to correct this. Instead, you continue to submit damaging and inaccurate data to the credit bureaus knowingly and willfully. 



You Are in Violation of Federal Law : The account was charged off in XX/XX/XXXX. 
You admit you have not transferred, sold, or attempted to collect the debt. 
XXXX also confirmed you are not issuing a 1099-C because the debt has not been discharged. 
Yet, you continue to report this account every single month as XXXX, falsely suggesting active collection and delinquency. 

This is a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits the reporting of inaccurate or misleading information. Additionally, it raises serious FDCPA implications for false representation of a debts legal status. 

Your own admissions combined with continuous credit damage show deliberate noncompliance. This is not a clerical error ; it is a pattern of reckless and abusive reporting. 



DEMAND FOR IMMEDIATE ACTION : You are hereby ordered to : 1. Initiate an immediate dispute investigation and correct all inaccurate tradeline data.

2. Cease all monthly CC reporting effective immediately. 
XXXX. Update the account to reflect a one-time charge-off in XX/XX/XXXX only. 
XXXX. Remove all subsequent negative notations that falsely indicate active collection. 
5. Provide written confirmation within 15 calendar days that these corrections have been submitted to all credit reporting agencies.

6. Provide supporting documentation to justify your actions and explain how your reporting aligns with federal credit laws.

If you are unable to justify the continued updates and lack lawful reason for the reporting, then you must completely delete the account from my credit file. 



You Are Now On Legal Notice : I have attached credit report documentation that proves false and repetitive reporting from XXXX through XXXX with no collection efforts, no communication, and no legal basis. This is being documented for court use. 

If this is not fully resolved within 15 calendar days, I will : File formal complaints with the CFPB, FTC, and state attorney generals office Submit my evidence directly to all three credit bureaus under FCRA Section 611 Pursue legal action for willful noncompliance under FCRA 616 and 617, which carry monetary penalties for negligent or intentional reporting violations You are now fully liable for the continued damage caused by this false reporting. I suggest your legal and compliance teams take this matter seriously and respond immediately.

Company response to consumer: Closed with explanation