Vehicle loan or lease -- Problem with a company's investigation into an existing problem -- Complaint #17971058
Complaint Overview
Complaint ID: 17971058
Company: Ford Motor Credit Co.
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 11204
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Ford Motor Credit is knowingly reporting inaccurate and unverified information regarding Account # XXXX and has failed to comply with the Fair Credit Reporting Act ( FCRA ). I previously disputed the accuracy of this account and requested proper validation. Despite receiving my notice, Ford Motor Credit did not provide any documentation substantiating the information they continue to furnish to the credit bureaus. Their failure to verify the account while still reporting it violates multiple FCRA provisions, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i ( a ) ( 5 ) ( B ). Ford Motor Credit is reporting information that is unsubstantiated, unverifiable, and inaccurate. They have ignored a formal dispute, failed to conduct a reasonable investigation, and continue to furnish data they can not validate. This behavior is unlawful and causing ongoing harm to my credit.
Frequently Asked Questions
What is Complaint #17971058 about?
Complaint #17971058 was filed against Ford Motor Credit Co. regarding Vehicle loan or lease specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
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 (Vehicle loan or lease) 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.