Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am submitting this detailed rebuttal because the response provided by American Honda Finance Corporation ( AHFC ) does not resolve my complaint, does not validate the alleged debt, and does not prove that I ever opened, authorized, or participated in the account referenced in their reply. I want to make it absolutely clear that I do not own this account, I never leased the vehicle, I never signed any of the documents AHFC claims are mine, and I filed an FTC Identity Theft Report because it is evident that this is a fraudulent or misattributed account that has been incorrectly linked to me. 

The companys response consists of general statements that they mailed validation and attached internal documents to the CFPB portal. However, the mere attachment of internal documents including a credit application, a lease agreement, and a payment history does not constitute legal validation, nor does it prove that I personally entered into a contract with Honda or had any involvement with this alleged XXXX XXXX XXXX lease. 

After reviewing every document AHFC provided, it is clear that none of the papers they submitted meet the standard of proof required under federal law. None of the documents confirm my identity, none demonstrate that I knowingly entered a legally binding lease, and none rebut the fact that I have filed an FTC Identity Theft Report. These documents appear to belong to a fraudulent file, contain signatures I do not recognize, and include information that does not match my legitimate accounts. Therefore, the account remains unverified, fraudulent, and improperly reported. 

XXXX. Filing of FTC Identity Theft Report & Statement of Identity Theft Before addressing AHFCs response, I want to reiterate the most important fact : I filed an FTC Identity Theft Report because this debt is NOT mine. 

This report officially documents that someone has used my information without my knowledge, consent, or authorization. By law, the FTC Identity Theft Report triggers certain protections, including : The right to block fraudulent reporting The right to require furnishers to cease reporting unverifiable accounts The obligation for furnishers to perform enhanced fraud investigations The right to request all business records associated with the fraudulent account The requirement that the furnisher NOT continue reporting unless they can PROVE the account is legitimate Despite this, AHFC continued reporting and did not conduct any meaningful identity verification.

Under FACTA ( Fair and Accurate Credit Transactions Act ), when a consumer submits an identity theft report, the furnisher must either provide verified evidence of account ownership or delete/block the account. 

AHFC did neither. 

XXXX. AHFCs Validation Does NOT Establish That I Opened the Account AHFC claims they mailed a debt validation package on XX/XX/XXXX. The documents included were : a credit application a lease agreement a payment history a debt validation letter However, none of these documents provide ANY of the following : Identity verification logs Proof that I personally applied for credit Proof that I physically signed the contract IP address logs ( for digital signatures, if any ) Drivers license scan authenticating the customer Dealership surveillance or identity confirmation Voice recordings from dealership staff Audit trail confirming application origin Proof that the signature is mine Proof that the Social Security number was verified Any third-party identity-checking records Without these items, AHFC has not validated anything. 

Validation requires proof of identity, not merely internal copies of documents. 

XXXX. The Credit Application Does Not Prove I Submitted It AHFCs credit application which they rely on as evidence does not contain : Any authenticated signature from me Any handwriting I recognize as mine Any verifiable origin of the application Any evidence tying me physically or digitally to the dealership Any video, audio, or digital footprint linking ME to the application Identity thieves commonly submit falsified or stolen credit applications. 
An application containing my name does not prove I completed it. 

Additionally, the application includes data fields that do not match my actual historical employment, address patterns, or legitimate financial behavior. This is consistent with identity theft. 

AHFC can not rely on an application that has no authentication chain, no origin verification, and no signature validation. 

Therefore, the application does NOT constitute legal proof of debt ownership. 

XXXX. The Lease Agreement Is Not My Agreement, Not My Signature, and Not Authorized by Me AHFC attached a Closed End Motor Vehicle Lease dated XX/XX/XXXX, which they claim I entered into. That document includes : A signature that is NOT mine Initials that I did NOT write Terms I never agreed to A vehicle I never drove, leased, or saw A payment schedule that does not match any account I have ever held A fraudulent lease agreement is NOT binding on a victim of identity theft. 

A valid contract requires : A meeting of the minds Clear consent Knowledge of terms Intent to enter the agreement A verified signature None of these are present. 

A signature alone especially XXXX that I dispute is not legally binding. 

Under federal law, when I dispute a signature, the burden shifts to the furnisher to prove : The signature is authentic Identity was verified at origination The dealership followed proper Red Flag Rules AHFC did not provide anything that meets this burden. 

XXXX. Payment History Does Not Prove Account Ownership AHFCs payment history only shows that : Someone made payments Insurance paid funds after a total loss A remaining balance exists None of this proves I made payments. 
Payment activity is NOT proof of identity. 

Fraud victims frequently discover accounts with partial payment history showing : Thieves using stolen identities Dealerships entering fraudulent deals Fraudulent insurance claims Stolen or misappropriated vehicles AHFCs provided payment ledger only proves that the account exists NOT that I am responsible for it. 

XXXX. AHFC Did NOT Provide Any Identity Verification Evidence To validate this account under identity theft laws, AHFC must produce : Drivers license scan Application IP logs In-store security footage Identity verification records Dealer-submitted Red Flag compliance forms Identity authentication data AHFC provided none of these. 

Instead, they responded with internal documents that could easily belong to an identity thief. 

This is not proper validation under FDCPA, FCRA, FACTA, or FTC Identity Theft regulations. 

XXXX. AHFC Ignored My FTC Identity Theft Report Even though I provided an FTC Identity Theft Report declaring the account fraudulent, AHFC : Did NOT acknowledge the FTC filing Did NOT pause reporting Did NOT block the account Did NOT escalate the matter to their fraud department Did NOT request identity theft supporting documents Did NOT request notarized identity theft affidavits Did NOT provide a fraud case number Did NOT conduct an enhanced ID verification investigation This is a serious violation of : FCRA 605B ( identity theft blocking ) FACTA Red Flags Rule FCRA 611 ( reasonable reinvestigation ) FCRA 623 ( a ) ( 3 ) ( duty to report disputes ) A furnisher MAY NOT continue reporting information that the consumer identifies as fraudulent UNLESS the furnisher can prove the information is accurate.

AHFC has not done so. 

XXXX. AHFC Assigned the Account to Collections Despite It Being Identity Theft AHFC admits in their letter that they already : Declared the account deficient Assigned it to XXXX XXXX for collection Instructed me to contact the collection agency Sending a debt to collections AFTER an FTC Identity Theft Report is illegal. 

Once identity theft is declared, AHFC must : Freeze collection Stop reporting Conduct a fraud investigation Block the account if no proof exists AHFC did none of this. 

XXXX. AHFCs Response Does Not Resolve the Issue and Is Not an Explanation Their response states : This dispute will be processed according to our internal dispute handling policies. 

Internal policies do NOT override federal law. 
Internal policies do NOT prove anything. 
Internal policies do NOT validate a debt. 
Internal policies do NOT resolve an identity theft claim. 

A valid response requires documentation not general statements. 

The case is NOT resolved. 

XXXX. What a Fair Resolution Requires Given the facts, the only fair and lawful resolution is as follows : Immediate deletion of the AHFC account from all credit bureaus Permanent cessation of collection activity Written confirmation that the account has been removed Acknowledgment and acceptance of the FTC Identity Theft Report Notification to XXXX XXXX that the account is fraudulent Removal of all negative marks associated with the fraudulent account Compliance with identity theft blocking requirements under FCRA 605B AHFC can not simply attach internal documents and call that validation. 
They must provide proof of identity, which they did not. 

XXXX. Closing Statement AHFCs response does not satisfy federal requirements, does not demonstrate that I opened the account, and does not address the identity theft that I reported to the FTC. 

I have never leased a XXXX XXXX XXXX. 
I never applied for Honda financing. 
I never signed the lease documents provided. 
I never authorized this transaction. 
I never received bills or notices. 
I do not recognize any of the documents attached. 
And I filed an FTC Identity Theft Report because this account is not mine. 

Therefore, I respectfully request the CFPBs assistance in ensuring that this fraudulent account is permanently removed, blocked, and closed.

Company response to consumer: Closed with explanation