Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16814039
Complaint Overview
Complaint ID: 16814039
Company: American Honda Finance CORP
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33184
Date Received: 2025-10-24T12:00:00-05:00
Date Sent to Company: 2025-10-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because American Honda Finance is inaccurately reporting the status of a charged-off account. The account was officially charged off in XXXX, but the furnisher continues to report new missed payments every month after the charge-off date. This reporting is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), once an account is charged off, a furnisher can not continue reporting additional delinquencies or late payments beyond the charge-off date. This activity is artificially prolonging the negative impact on my credit score. I previously disputed this with XXXX XXXX XXXX XXXX All three credit bureaus verified the account without correction, despite the clear reporting error. I also requested verification documentation from the company, but they did not provide any proof to support their continued reporting. I am requesting immediate deletion of this entire tradeline from all credit bureaus or, at minimum, removal of all late payments reported after the charge-off date in XXXX This is necessary to bring the reporting into compliance with FCRA and to stop the ongoing damage to my credit profile. I have attached screenshots of the reporting.
Frequently Asked Questions
What is Complaint #16814039 about?
Complaint #16814039 was filed against American Honda Finance CORP regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-24T12:00:00-05:00.
How did American Honda Finance CORP 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 American Honda Finance CORP?
Yes, visit the American Honda Finance CORP company profile at readthecomplaint.com/company/american-honda-finance-corp 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.