Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18045224
Complaint Overview
Complaint ID: 18045224
Company: Carmax, INC.
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: North Carolina
ZIP Code: 28314
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter is a formal dispute and fraud complaint regarding the CarMax Auto Finance account being reported under my name. After reviewing the documents, I confirmed that the buyers signature on the Retail Installment Contract is not my signature, was not written by me, and does not match my legal signature in any capacity. The signature shown on the contract is my full name written out in print. I do not sign my full name on any legal or financial documents. My actual legal signature is shortened, stylized, and completely different from the handwriting on this contract. The handwriting on the contract is printed, not cursive, and does not match my handwriting at all. I did not write it, I did not authorize it, and I did not sign that contract. To support this dispute, I have attached a copy of my drivers license, which contains my real legal signature. The comparison clearly shows that the signature CarMax submitted is forged and not written by me. Because the signature is not mine, the contract is fraudulent, void, and unenforceable. CarMax is furnishing information that is inaccurate, unverified, and can not be supported with a valid, authentic consumer signature. Under FCRA 602, 607 ( b ), 611, FCRA 623, FACTA, Metro 2 reporting standards, and federal forgery laws ( 18 U.S.C. 471473 ), no company may report an account that is not tied to a legitimate consumer-signed contract. I am demanding the following actions : 1. Remove the CarMax Auto Finance account from my credit reports immediately because there is no valid contract associated with my name. 2. Remove all hard inquiries related to this fraudulent account. 3. Provide written proof of validation, including the original wet-ink signature, the full application, identity verification records, and all supporting documents. 4. If you can not produce my true, verifiable signature, the account must be deleted under federal law. 5. Mail the results of your investigation to me within the legally required timeframe. If this matter is not resolved, I will file complaints with the CFPB, the Attorney General, and the FTC for identity misuse, and pursue additional action under FCRA 616617 for damages. This account was opened with a forged signature, and I am asserting my rights under federal law to have it removed immediately.
Frequently Asked Questions
What is Complaint #18045224 about?
Complaint #18045224 was filed against Carmax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.