Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CarMax, Inc.
State: CA

Complaint narrative:
Complaint Against : CarMax XXXX XXXX XXXX and related entities Repossession Date : XX/XX/XXXX Related Federal Action : Case No. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) I am filing this complaint against CarMax Business Services LLC for unfair , deceptive, abusive, retaliatory, and fraudulent acts and practices in violation of the Fair Credit Reporting Act, the Consumer Financial Protection Act, and other applicable consumer protection laws. CarMax XXXX XXXX XXXX wrongfully repossessed my vehicle in XX/XX/XXXX without any valid, enforceable security interest. Despite my repeated formal demands since XX/XX/XXXX for production of the original wet-ink bilateral contract and complete chain of title, CarMax has XXXX and in bad faith refused to produce any such foundational instruments. I have an active federal XXXX lawsuit pending against CarMax and its co-conspirators ( XXXX XXXX. XXXX ), in which I have specifically alleged a pattern of racketeering activity involving improper securitization and trading of disputed debts. Notwithstanding the pendency of this federal XXXX litigation, CarMax has now reported the subject vehicle as charged off to the major credit reporting agencies. This reporting is false, misleading, intentionally damaging, and undertaken in direct retaliation against me for exercising my lawful rights in federal court. Such conduct constitutes a willful and malicious attempt to harass, intimidate, and inflict further financial injury upon a litigant engaged in ongoing federal racketeering proceedings. Furthermore, the entity purporting to represent CarMax, XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX ), maintains multiple distinct active D-U-N-S numbers under varying entity names. This highly irregular corporate structuring for a purported law firm strongly evidences the operation of shell entities engaged in the securitization and trading of purported security interests and litigation receivables in violation of UCC Article 9. Their contumacious refusal to produce any authenticated security agreement satisfying the attachment requirements of UCC 9-203 only confirms that no valid, perfected security interest ever existed. CarMaxs continued negative credit reporting during the pendency of active federal RICO proceedings is not mere error ; it is bad-faith, abusive, and part of a broader enterprise designed for unjust enrichment through the monetization of disputed and unperfected claims. CarMax XXXX XXXX XXXX are strictly bound by and must comply in full with the following authorities, the violation of which will be deemed willful and actionable : 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ( FCRA ) : Duties to assure maximum possible accuracy and to investigate disputes. 15 U.S.C. 1681i ( a ) and 1681i ( a ) ( 5 ) : Reasonable reinvestigation and mandatory deletion of unverifiable information. UCC 3-401, 3-308, 3-309, 9-203, 9-629 and th e common law of contracts : No enforceable obligation exists without genuine signatures and proof of actual consideration. Relief Demanded : 1. Immediate and permanent deletion of all negative reporting related to this vehicle and account from all consumer reporting agencies. XXXX. A full and complete investigation into XXXX credit reporting practices, securitization activities, and relationship with multi-DUNS counsel. XXXX. A permanent cease and desist from any further negative reporting or collection activity regarding this disputed matter. 4. Any and all other relief the Bureau deems appropriate, including referral for enforcement action and coordination with the Department of Justice regarding the ongoing XXXX matter. NOTICE OF INTENT TO SUE Failure to comply fully and timely with this demand will result in the immediate amendment of the pending federal lawsuit and/or commencement of additional civil action for willful violations of the FCRA and related authorities. I will demand statutory damages, actual damages, punitive damages, full attorneys fees and costs, permanent injunctive relief, and jury trial demanded on all issues so triable. This demand is continuing and cumulative. This communication is made with clean hands and in good faith solely to perfect the evidentiary record for imminent federal litigation. There will be no further warnings. Comply immediately and completely.

Company response to consumer: Closed with explanation