Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14535117
Complaint Overview
Complaint ID: 14535117
Company: Ford Motor Credit Co.
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: New York
ZIP Code: 14420
Date Received: 2025-07-08T12:00:00-05:00
Date Sent to Company: 2025-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The documentation I received was insufficient to the information required under the FCBA 15 U.S.C. 1666b. Pursuant to my rights under Section 163 of the TILA, I did not receive the periodic statement including the information required by TILA section 127 ( b ) within 21 days before the payment due date from the creditor. The law states in the FCRA 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under limited circumstances, one of which is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written documentation authorizing this creditor to furnish information on my credit report. FCRA 15 U.S.C. 1681a ( 2 ) explicitly excludes from the definition of " consumer report '' any " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The information the creditor has improperly included in my credit report falls squarely within this exclusion, as it pertains only to my direct transactions and experiences with the company. Furnishers of information to consumer reporting agencies have the following responsibilities under FCRA 15 U.S.C. 1681s-2 : Duty to provide accurate information and duty to correct and update Information.
Frequently Asked Questions
What is Complaint #14535117 about?
Complaint #14535117 was filed against Ford Motor Credit Co. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-08T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.