Debt collection -- Attempts to collect debt not owed -- Complaint #13797078
Complaint Overview
Complaint ID: 13797078
Company: Ford Motor Credit Co.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Georgia
ZIP Code: 30064
Date Received: 2025-05-29T12:00:00-05:00
Date Sent to Company: 2025-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ford motor company removed this account from my credit file after they sold this debt to another debt collector : Ford Auto ( Account # XXXX ) : Issue : Reporting negative payment history after being purchased by another lender Action Requested : Remove as required by FCRA 623 when sold. The account was removed snd then now was reposted on my credit report.
Frequently Asked Questions
What is Complaint #13797078 about?
Complaint #13797078 was filed against Ford Motor Credit Co. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-29T12:00:00-05:00.
How did Ford Motor Credit Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Ford Motor Credit Co.?
Yes, visit the Ford Motor Credit Co. company profile at readthecomplaint.com/company/ford-motor-credit-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.