Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #5727890
Complaint Overview
Complaint ID: 5727890
Company: Yamaha Motor Finance Corporation USA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Florida
ZIP Code: 33150
Date Received: 2022-07-01T12:00:00-05:00
Date Sent to Company: 2022-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
As Yamaha Motor Finance mentioned in In CFPB Complaint ID XXXX CFPB Complaint ID XXXX. Yamaha Motor Finance stated the account is 599 days past due with a balance of {$13000.00}. This is in fact a violation of 12 CFR 1026.13 ( 2 ) - Billing error resolution. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. As it evident, Yamaha Motor Finance is currently furnishing such amount of {$13000.00} past due is a violation of Federal Law. Reporting delinquencys, collections/charge offs is NOT a requirement as Yamaha Motor Finance consistently mentioning is required to report accurate and complete intormation to the credit bureaus under what lawful authority is stated to furnish charge off and collections? Because I just pursuant Yamaha to the law where it clearly says you should not furnish such. The only way I see to resolve this issue is to take Yamaha Motor Finance to Federal Court. I refuse to go back and forth and these agents ignorant of the law, and violating my rights, and insulting my intelligence is going to cause the CEO and CFO to be prosecuted all because of their agents is ignorant of the law and consistently fails to comply.
Frequently Asked Questions
What is Complaint #5727890 about?
Complaint #5727890 was filed against Yamaha Motor Finance Corporation USA regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2022-07-01T12:00:00-05:00.
How did Yamaha Motor Finance Corporation USA 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Yamaha Motor Finance Corporation USA?
Yes, visit the Yamaha Motor Finance Corporation USA company profile at readthecomplaint.com/company/yamaha-motor-finance-corporation-usa 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.