Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14793103
Complaint Overview
Complaint ID: 14793103
Company: Carmax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75080
Date Received: 2025-07-21T12:00:00-05:00
Date Sent to Company: 2025-08-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Carmax Auto Financial falsely reported on all of my credit reports ( XXXX, XXXX, XXXX ) that I was XXXX days late which I was not. This account has been reported with inconsistent and inaccurate dates across the credit bureaus : - It initially showed a delinquency in XX/XX/year>, - Then was updated to XX/XX/year> after a dispute, - Yet no consistent or verifiable timeline has been confirmed. This inconsistency violates FCRA 607 ( b ), which requires all data furnished to the credit bureaus to be both accurate and complete. Additionally, per FCRA 611 ( a ) ( 1 ) ( A ), I am exercising my right to request a reinvestigation of this item. I requested that the credit bureaus that : XXXX. Provide a copy of the Method of Verification used to confirm the accuracy of the current late payment reporting. XXXX. Supply the name, contact information, and documentation from the data furnisher ( CarMax Auto Finance ) that was used to verify this entry. XXXX. Delete this derogatory item from my report if accurate ; complete verification can not be provided.
Frequently Asked Questions
What is Complaint #14793103 about?
Complaint #14793103 was filed against Carmax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-07-21T12:00:00-05:00.
How did Carmax, 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 Carmax, INC.?
Yes, visit the Carmax, INC. company profile at readthecomplaint.com/company/carmax-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.