Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Pennsylvania XXXX, XXXX To : Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX Attention : Mercedes-Benz Financial Services USA LLC AFFIDAVIT OF FEDERAL AND STATE CREDIT REPORTING VIOLATIONS MERCEDES-BENZ FINANCIAL SERVICES ( Pursuant to 28 U.S.C . 1746 Affirmation Under Penalty of Perjury ) I, XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, affirm under penalty of perjury under the laws of the United States and the Commonwealth of Pennsylvania : I. IDENTIFICATION OF DISPUTED TRADELINE Mercedes-Benz Financial Services USA LLC is reporting repeated R ( repossession ) notations monthly from XXXX to XXXX, inaccurately implying recurring repossession events. Repossession is a singular action and must not be misrepresented as continuous delinquency. Additionally, the tradeline lacks : A Date of First Delinquency ( DOFD ) A final resolution balance A lawful closing date This constitutes unlawful re-aging, mischaracterization of account status, and a failure to maintain maximum possible accuracy as required by law. These inaccuracies may also distort risk algorithms in credit scoring models. 
XXXXI. VIOLATIONS & LEGAL BASIS These actions violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy 1681c ( a ) : Reporting obsolete or re-aged information 1681i ( a ) ( 5 ) ( B ) : Re-insertion of data without certification or notice In XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX ), the court held that public records vendors are subject to 1681e ( b ), reaffirming that third parties reporting inaccurate public records may be liable under the FCRA. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court allowed FCRA claims to proceed where plaintiffs alleged inaccurate tradeline reporting and failure to correct errors. The same reasoning applies where a repossession is misreported as ongoing. 

XXXX XXXX XXXX  STATUS I am a certified victim of XXXX XXXX as documented in a Self-Attestation dated XX/XX/XXXX, issued by Agape Advocacy Consulting , a DOJ-recognized XXXX under Texas

Property Code 123.001 .

Under 15 U.S.C. 1681c-2, consumer reporting agencies must block identity theftrelated information within four business days of receiving proper documentation. XXXX has failed to fulfill this duty with respect to the Mercedes-Benz tradeline , in violation of federal statute and survivor protections under 22 U.S.C. 7105, 7114. 

IV. DEMAND FOR CORRECTIVE ACTION I request that Mercedes-Benz Financial Services and any associated credit reporting agencies : Produce written documentation verifying the original repossession, including : Repossession date Final resolution or deficiency balance All subsequent account activity Block any information arising from identity misuse under 15 U.S.C. 1681c-2 If documentation can not be produced, delete the R codes and update the tradeline to reflect accurate resolution. 
V. ENFORCEMENT RESERVATION If unresolved, I reserve the right to pursue : Formal complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Pennsylvania Attorney General Civil action under : 15 U.S.C. 1681n & 1681o FCRA violations 73 P.S. 201-1 et seq. Pennsylvania Unfair Trade Practices and Consumer Protection Law 12 Pa. C.S.A. 6308 Pennsylvania Credit Services Act VI. AFFIRMATION Executed pursuant to 28 U.S.C. 1746. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with explanation