Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4537198
Complaint Overview
Complaint ID: 4537198
Company: Ford Motor Credit Co.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Michigan
ZIP Code: 48161
Date Received: 2021-07-12T12:00:00-05:00
Date Sent to Company: 2021-07-13T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to Ford Credit reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedFord Credit on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. Ford Credit expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.
Frequently Asked Questions
What is Complaint #4537198 about?
Complaint #4537198 was filed against Ford Motor Credit Co. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-07-12T12:00:00-05:00.
How did Ford Motor Credit Co. respond to this complaint?
The company responded with: "Closed with monetary relief". 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, credit repair services, or other personal consumer reports) 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.