Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
In XX/XX/year>, XXXX vehicles were financed through XXXX XXXX XXXX after a dealership facilitated the purchase. During the financing process, XXXX applicants initially participated in the credit application. The dealership later instructed that the financing proceed under XXXX applicant only due to a stronger credit profile. The dealership confirmed that the final loan documentation and financing would be issued under the single approved borrower. Despite this instruction, the dealership incorrectly submitted the vehicle registration paperwork to the Department of Motor Vehicles using a fabricated hybrid name that combined elements of both applicants names. The registration was submitted under the name XXXX XXXX XXXX. This name does not correspond to any legal person and does not match the identity of either applicant. As a direct result of this administrative error, the vehicles were registered with the DMV under a non-existent identity. Because the registration name did not match the legal identity of the borrower responsible for the loan, it became impossible to properly register the vehicles, renew license plates, or maintain legally compliant insurance tied to the vehicle registration. Beginning in XX/XX/year> and continuing through the present, repeated efforts were made to correct this error with the dealership. These efforts included multiple in-person visits to the dealership, direct communications with the sales representative, and communications with the dealership employee responsible for DMV registration XXXX. At least XXXX in-person attempts were made to resolve the issue. Despite these repeated attempts, the dealership failed to correct the registration error or submit corrected documentation to the DMV. Because the registration was issued under a fictitious name, the borrower was unable to legally register the vehicles in their name, obtain matching insurance documentation, or renew license plates once the dealer plates expired. The dealer plates expired approximately XXXX months ago. Driving the vehicles in this condition would expose the borrower to legal risks including traffic citations, vehicle impoundment, or enforcement action due to invalid registration and insurance mismatch. While this unresolved registration error prevented lawful operation of the vehicles, Ford Motor Credit continued demanding loan payments for vehicles that could not legally be driven due to the dealerships administrative mistake. The situation escalated further when repossession activity occurred even though the underlying issue preventing payment compliance originated from the dealerships documentation error and its failure to correct DMV registration records. This situation has created severe harm including : Inability to legally register vehicles with the DMV Inability to maintain compliant insurance matching the vehicle registration Exposure to legal risk from operating vehicles with invalid registration Repossession activity tied to a dealership administrative error Damage to credit reports and credit profile Note : In total, XXXX vehicles were financed through Ford Motor Credit as part of the same transaction. Due to the dealerships registration error, both vehicles were recorded with the DMV under a name that does not correspond to any real legal identity. Because of this mistake, I have been unable to properly register the vehicles, obtain insurance that matches the registration, or legally operate the vehicles on public roads. Under these circumstances, it is unreasonable and unfair for the finance company to apply payment pressure or pursue repossession when the vehicles can not be legally driven or properly registered due to an administrative error outside of my control. Expecting payment for vehicles that can not be lawfully used places the borrower in an impossible position and shifts the consequences of the dealerships mistake onto the consumer. The dealership and Ford Motor Credit were repeatedly notified of the registration error and its consequences. Despite multiple opportunities to correct the error, no corrective action was taken within a reasonable timeframe. A formal investigation is requested into the dealerships DMV registration practices and Ford Motor Credits handling of the account once the error was reported. Assistance is requested to correct the registration records, reverse any credit damage associated with the repossession, and address the financial harm created by this administrative failure.

Company response to consumer: Closed with explanation