Debt collection -- Written notification about debt -- Complaint #17840005
Complaint Overview
Complaint ID: 17840005
Company: American Honda Finance CORP
Product: Debt collection
Sub-Product: Auto debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: North Carolina
ZIP Code: 27526
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint regarding an unverified and inaccurate debt reported to XXXX by American Honda Finance in the amount of {$37000.00}. I discovered this account on my XXXX credit report ; however, I have never received any communication, notice, validation of debt, billing statement, or collection attempt from American Honda Finance prior to this credit reporting. This includes written correspondence, electronic notifications, or phone calls. This raises serious concerns about the furnishers compliance with federal law, including : Failure to adhere to the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S. Code 1692c, debt collectors are required to follow proper and lawful communication practices. Reporting a debt to a credit bureau without making any attempt to contact me or validate the debt constitutes improper collection activity. Potential violation of the Fair Credit Reporting Act ( FCRA ) Furnishers are required under 15 U.S.C. 1681s-2 to ensure the accuracy and completeness of information provided to consumer reporting agencies. Reporting a debt without validation or prior notice results in inaccurate and unverifiable information being added to my credit file. XXXX obligation to report only verified and accurate information My dispute was filed on the basis that this debt has never been validated, and no documentation has been provided to confirm that this account belongs to me or that any legally required communication was ever sent. I respectfully request that the CFPB : Investigate American Honda Finance for improper reporting and failure to follow FDCPA communication requirements. Review XXXX handling of this account and ensure that only verified, accurate information remains on my credit file. Require the immediate removal of this unverified account if the furnisher can not provide proof of notice, validation, and lawful communication. Thank you for your attention to this matter. I request written confirmation of the results of your investigation.
Frequently Asked Questions
What is Complaint #17840005 about?
Complaint #17840005 was filed against American Honda Finance CORP regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
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 (Debt collection) 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.