Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14344223
Complaint Overview
Complaint ID: 14344223
Company: General Motors Financial Company, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 34787
Date Received: 2025-06-27T12:00:00-05:00
Date Sent to Company: 2025-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a derogatory auto loan account being reported by GM Financial with a charged-off balance of {$12000.00}. I do not recognize or recall authorizing this loan. I have not received any official contract, billing history, or loan agreement related to this account. The account appears to have been opened around XX/XX/XXXX and shows a history of delinquencies that escalated to charge-off status, with a " transferred to recovery '' notation. According to the credit reports, the most recent activity is dated between XX/XX/XXXX and XX/XX/XXXX, but the payment dates, last active dates, and high balance vary between the three bureaus indicating significant reporting inconsistencies : XXXX and XXXX show a last payment on XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The high credit is listed as {$27000.00} on two reports, but only {$19000.00} on XXXX. The current balance is {$12000.00}, and the full amount is being reported as past due, despite no clear explanation or validation from GM Financial. I never received any formal collection notice or loan documentation from GM Financial. I have also previously attempted to dispute this entry without success. This unresolved reporting is continuing to damage my credit, and I am requesting that this matter be formally reinvestigated. If GM Financial can not provide full and accurate validation of this debt including signed documentation and a complete payment ledger I am requesting the immediate removal of this account from my credit file.
Frequently Asked Questions
What is Complaint #14344223 about?
Complaint #14344223 was filed against General Motors Financial Company, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-27T12:00:00-05:00.
How did General Motors Financial Company, INC. 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against General Motors Financial Company, INC.?
Yes, visit the General Motors Financial Company, INC. company profile at readthecomplaint.com/company/general-motors-financial-company-inc 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.