Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXXSubject: Formal Dispute  GM Financial Account XXXX XXXX XXXX XXXXDear XXXX, XXXXI am writing to formally dispute the accuracy and completeness of the information being reported \non my credit file for the GM Financial account referenced above. After reviewing my credit XXXXreport dated XXXX XXXX XXXX, I believe the reporting contains errors and potential violations of XXXXthe Fair Credit Reporting Act (FCRA) and other applicable laws. XXXXDetails of the disputed account: XXXX Creditor: GM Financial XXXX XXXX XXXX XXXX XXXX Account Type: Installment  Auto Loan XXXX Date Opened: XXXX XXXX Date Closed: XXXX XXXX Reported Balance: XXXX XXXX Past Due Amount: XXXX XXXX Charge-Off Amount: XXXX XXXX Status: Closed/Charged Off XXXXIssues and Disputed Items: XXXX. Inconsistent Reporting of Dates and Statuses: XXXX The account shows as Closed but continues to report a Past Due balance and XXXXcharge-off status, which may create duplicate negative impact. Once charged off XXXXand closed, past due is not typically applicable. XXXX Incomplete or Conflicting Payment History: XXXX Payment status history reflects prolonged charge-off coding (CO) for multiple \nyears without proper update to reflect accurate post-charge-off status. XXXX There appears to be conflicting information regarding the Date of Last Payment XXXX  versus the Date of First Delinquency XXXX XXXX Potential Re-aging of Debt: XXXX The Date Reported is XXXX, significantly later than the delinquency dates, XXXXwhich may improperly extend the negative reporting period beyond what the XXXXFCRA allows (typically XXXX XXXX from the date of first delinquency). XXXX Possible Balance Inaccuracy: XXXXXXXX The combination of Charge-Off Amount ($22,609) and Past Due Amount XXXX($7,656) is unclear and may not accurately reflect the true balance, especially if XXXXthe debt has been sold or transferred. XXXXRequested Action: XXXXUnder my rights granted by the Fair Credit Reporting Act (15 U.S.C.  1681), I request that XXXX XXXX Conduct a full reinvestigation of this account. XXXX Verify the accuracy of all reported fields with GM Financial. XXXX Remove or correct any inaccurate, outdated, or unverifiable information immediately. XXXX Provide me with a written statement of the investigation results, including the name and XXXXcontact information of the party that verified the disputed data. XXXXI have enclosed a copy of my credit report with the disputed items highlighted, along with proof XXXXof my identity (drivers license and utility bill). XXXXPlease consider this letter a formal dispute of the GM Financial account as it appears on my XXXXreport. If the information cannot be verified within the statutory period, I request its prompt XXXXdeletion. XXXXThank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXXEnclosures: XXXX Copy of credit report with disputed account highlighted XXXX Copy of photo ID XXXX Proof of current addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXGM Financial\XXXX XXXX XXXX, TX XXXX: Direct Dispute  Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXXDear GM FinancialXXXXI am writing to dispute the accuracy of the information you have furnished to the credit reporting agencies regarding my auto loan account listed above. This dispute is being made under the Fair Credit Reporting Act (FCRA), including 15 U.S.C.  1681s-2(a) & (b), and the Fair Debt Collection Practices Act (FDCPA) if applicable.XXXXAccount details as reported:XXXXAccount Type: Installment  Auto LoanXXXX\tDate Opened: XXXXtDate Closed: XXXXtReported Balance: XXXXtPast Due Amount: XXXXtCharge-Off Amount: XXXXtStatus: Closed/Charged OffXXXXDisputed Issues:XXXXtConflicting Status & Balances  The account shows both Closed and Charge-Off with a continuing Past Due balance. This is contradictory and may result in misleading negative credit impactXXXX.\tDate Discrepancies  The Date of Last Payment XXXX conflicts with the Date of First Delinquency XXXX This inconsistency raises concerns about account re-aging, which is prohibited by the FCRA.XXXX\tPayment History Errors  Multiple consecutive years of Charge-Off coding without proper status updates appear inaccurate and do not reflect the true payment historyXXXXtPotential Re-Aging of Debt  The Date Reported of XXXX is significantly later than the original delinquency date, which could unlawfully extend the reporting period beyond the allowed XXXX XXXXtUnclear Balance Reporting  The relationship between the Charge-Off Amount and Past Due Amount is not clearly documented and may be inaccurate, especially if the debt has been sold or settledXXXXRequested ActionXXXXPursuant to the FCRA, I request that GM Financial:\n\tInvestigate these discrepancies.XXXXProvide written documentation supporting each reported figure and date.\XXXXCorrect or delete any inaccurate, unverifiable, or outdated information with all credit bureaus to which you have reportedXXXXtProvide me with a written confirmation of the outcome of your investigation within the required time frame.XXXXI have enclosed a copy of my credit report highlighting the disputed account, along with proof of my identity and current address.XXXXIf you are unable to verify the disputed information with accurate documentation, you must immediately update your reporting to reflect the correct and lawful status of this accountXXXXSincerely,XXXX XXXX XXXX XXXX XXXXEnclosures:XXXXCopy of credit report highlighting disputed items\XXXXtCopy of government-issued IDXXXXProof of current address'

Company response to consumer: Closed with explanation