CarMax, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC XXXXX	Web
The creditor as fiduciary reached good faith and fair dealings with agreements crafted by a corporation 's unlawful practice of law with the intent of unlawfully converting the subrogee 's chose-in-action and wilfully and knowingly deprived equitable interest, rights and ownership of the chose-in-acton when requested. The creditor/subrogor and collection agent turned a XXXX XXXX to the previous notices of subrogation and equitable interest with the most recent being XXXX. In the process Adverse action was taken by the creditor for attempting to assert my rights, the account was closed when rights to interest and redemption were communicated. One who seeks equity must do equity. Equity will not suffer a wrong without a remedy. Equity follows the law. Principal and Agent are vicariously liable for the other. In this era when credit has become one of the instrumentalities of business to which men pay homage, intangible property rights must be considered when conversion is discussed. Stocks, bonds, evidences of debt, debentures, insurance policies, contracts and other choses-in-action play a prominent role in present-day credit economy. Conversion has been defined as a " wrongful interference over personal property, inconsistent with or in denial of the dominion of the person entitled to possession thereof. It is " any dealing with the property of another which excludes the owner 's dominion. '' The gist of conversion is the unauthorized assumption of the powers of the true owner. '' A " chose in action '' is a personal right not reduced to possession. For example, shares of stock, and debts represented by negotiable instruments and savings bankbooks are all choses in action. They are personal property rights, not reducible to immediate tangible possession, not capable of physical delivery ; but recoverable only in an action at equity or law. XXXX action will lie for the wrongful conversion of ... bonds, or other securities for the payment of money. This is true with regard to both negotiable and non-negotiable bonds. Even where bonds have been stolen, and a forged indorsement used to obtain new bonds from the corporation, the owner was allowed to recover the bonds from an innocent third party into whose hands the bonds had come. A bond being evidenced by a tangible writing, the courts have no trouble in finding the necessary dominion to allow an action for conversion. '' The underlying debt is immediately converted on the wrongful taking of a negotiable bond, and may be generally assumed to be converted in the case of a non-negotiable bond. XXXX is a legal action that a property owner can take to recover the value of personal property that was wrongfully taken. The plaintiff must show that they had title or possession of the property at the time the action was filed. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. XXXX is different from other remedies for wrongful taking because the plaintiff only recovers the value of the property, not the property itself. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Today, the tort of conversion has subsumed both XXXX and XXXX, and a plaintiff can request legal relief ( money damages ) or equitable relief ( return of property ). See, e.g. Burgess v. Small, 117 A.2d 344 ( Me. 1955 ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States, and to issue circulating notes for the money borrowed; when Congress borrowed We The Peoples private credit, it created a sovereign redemption and subrogation right in We The People and a breach of trust by the subrogors and mortgagees when they clog the We The Peoples right to redeem their collateral borrowed and the securities created on account by indorsement and interfere in commerce. It is against equity for freemen not to have the free disposal of their own property and financial assets. NOTICE. I am aware, pursuant to Title 15 U.S.C. 78c, Section 10 the term security means any note, stock, treasury stock, security future, security-based swap, bond, debenture, certificate of interest or participation in any profit-sharing agreement or in any oil, gas, or other mineral royalty or lease, any collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities ( including any interest therein or based on the value thereof ), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or in general, any instrument commonly known as a security ; or any certificate of interest or participation in, temporary or interim certificate for, receipt for, or warrant or right to subscribe to or purchase, any of the foregoing ; but shall not include currency or any note, draft, bill of exchange, or bankers acceptance which has a maturity at the time of issuance of not exceeding nine months, exclusive of days of grace, or any renewal thereof the maturity of which is likewise limited. The promise to pay or promissory note with a maturity longer than nine ( 9 ) months created in this transaction is a security ; NOTICE. DEBT INSTRUMENT. In general Except as provided in subparagraph ( B ), the term debt instrument means a bond, debenture, note, or certificate or other evidence of indebtedness. Title 26 USC 1275 ( a ) ( 1 ) NOTICE. BOND. The term bond includes any obligation. Title 26 USC 150 ( a ) ( 1 ) ; NOTICE. BENEFIT. This word is used in the same sense as gain ( q. v. ) and profits. ( q. v. ) 20 Toull. N. 199 ; NOTICE. BENEFICIARY. This term is frequently used as synonymous with the technical phrase cestui que trust. ( q. v. ) ; NOTICE. BENEFICIAL INTEREST. That right which a person has in a contract made with another, as if A makes a contract with B that he will pay C a certain sum of money, B has the legal interest in the contract, and C the beneficial interest. Hamm. on Part 6, 7, 25 2 Bulust. 70 ; NOTICE. I am aware, pursuant to 17 CFR 240. 13d-3. ( b ) Any person who, directly or indirectly, creates or uses a trust, proxy, power of attorney, pooling arrangement or any other contract, arrangement, or device with the purpose of effect of divesting such person of beneficial ownership of a security or preventing the vesting of such beneficial ownership as part of a plan or scheme to evade the reporting requirements of section 13 ( d ) or ( g ) of the Act shall be deemed for purposes of such sections to be the beneficial owner of such security ; essentially the right to subrogation to the securities has been deprived ; NOTICE. I am aware, pursuant to 17 CFR 240.8c-1 Hypothecation of customers ' securities ( a ) General provisions. No member of a national securities exchange, and no broker or dealer who transacts a business in securities through the medium of any such member shall, directly or indirectly, hypothecate or arrange for or permit the continued hypothecation of any securities carried for the account of any customer under certain circumstances ; NOTICE. I am aware, pursuant to Title 18 U.S. Code 1348 Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both ; NOTICE. 18 U.S. Code 1956 - Laundering of monetary instruments ; NOTICE. Use of the Beneficiarys Private Credit for the extension of credit or choses-in-action by indorsement, creating securities as an accommodating party establishes an implied TRUST IN INVITUM raised by operation of law without the consent of the trustee. Such a Trust Arises where Goods have been stolen or Converted to the Use of the TAKER and sold, with respect to the PROCEEDS, whether such proceeds are in the form of money or other property purchased therewith, and equity will in such cases enforce a Trust In Invitum in the original taker or in his assignee with NOTICE. Likewise, where a TRUSTEE or OTHER FIDUCIARY has Misapplied Trust Funds a like Trust will be RAISED. Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) NOTICE. When it comes to accounts Article 9 of the Uniform Commercial Code has always applied to the sale of accounts. Revised Article 9 continues this rule in North Carolina 25-9-109 ( a ) ( 3 ). Former Article 9 defined accounts to include payment obligations arising out of only the sale of goods or the provision of services. Under the former law, this left many kinds of payment rights within the definition of general intangible. The sale of these types of payment rights often serves as a financing transaction, but former Article 9 did not apply to these transactions. Revised Article 9 broadens the definition of accounts to include : Payment obligations arising out of the sale, lease or license of all kinds of tangible and intangible personal property ( for example, account will include license fees payable for the use of software ), and Credit card receivables. The sale of a payment intangible often functions as a financing transaction. Revised Article 9 brings certainty to these transactions by bringing the sale of a payment intangible into the scope of Article 9. However, to permit financial institutions that sell loan participations to avoid Truth is expressed in the form of an Affidavit. having a UCC-1 financing statement filed against them as debtors, Article 9 provides for the automatic perfection of a security interest created upon the sale of a payment intangible ( but not a security interest in a payment intangible given to secure an obligation ). G.S. 25-9-309 ( 3 ). NOTICE. EQUITY CONCERNS ITSELF WITH SUBSTANCE AND NOT FORM. Equitable Subrogation is forward-looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity knows no time. Equity aids the vigilant, not those who slumber on their rights. Truth is expressed in the form of an Affidavit. See LXXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX XXXX. An un-rebutted affidavit stands as truth in commerce, equity, admiralty, XXXX XXXX and public policy. XXXX XXXX XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who does not deny, admits. An un-rebutted affidavit is acted upon as the judgement in commerce, equity, admiralty, XXXX XXXX and public policy. XXXX XXXX. XXXX. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied. A matter must be expressed to be resolved. XXXX XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who fails to assert his rights has none. Ultimately the Subrogors actions amount to holding the implied surety in peonage, debt slavery, debt bondage, and involuntary servitude, a severe form of XXXX XXXX in persons. I declare under a penalty of perjury the statement is accurate and true to the best of my personal knowledge. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33596	Web
So for the past few months, Ive been searching for a new vehicle. I prequalified with XXXX XXXX XXXX XXXX and would search every single day for a new truck that fit my needs. Finally, I found that truck. It was also so close to my house, as you can imagine my search range was up to 250 miles. even better, it was a CarMax XXXX. Now Ive had experience buying two vehicles from this exact location. Ive decided to do my very first Carmax buying online experience. Now I wasnt aware when I called Carmax XXXX that I was redirected to a call center. In my last experience, when I called Carmax XXXX I was directed to a sales associate in the store. The last vehicle I purchased was from XXXX an online retailer and my experience with them was a super great. It was a very easy the car it was exactly as pictured they even did a video walk-through and let me know what there was in far as smells etc. ( this did not occur with Carmax XXXX. ) So after having the vehicle put on hold they went ahead and did auto financing now I told the representative that I had a preapproval reference number. With this reference number I was told from said representative that they would only run credit with XXXX XXXX. Now that is not the case, they ran it with nine different people. If you go back and listen to the recordings, since I believe it was recorded, you can hear me say I do not approve of any other vendors running my credit. Unfortunately, my initial package offer was not the same, so they re-ran it a second time. The second rerun of my credit, again went to all nine creditors. Again it was that the same match as my offer, so XXXX XXXX asked that they release the vehicle so they can see it on their end and auto navigator so it would match up with the offer. Now the CarMax representative had put me to their manager, who I found out was not a manager she was just his trainer and he was a trainee. Now at this point, they reran it a third time and to all nine creditors. I kept giving them the reference number for my preapproval at XXXX XXXX however, they ran against all creditors even though I said multiple times not to. After an overnight thought process, I decided to go with the alternative offer of XXXX XXXX and have my vehicle home delivered on the Friday following my approved financing. Friday approached I had purchased insurance for the vehicle and everything was ready to be moving forward. at XXXX XXXX Friday afternoon the Carmax XXXX vehicle home delivery service was here on time. I was super excited about receiving my brand new car. As soon as I open the door to check it out prior to a test drive, the car smelled like smoke and XXXX. Furthermore, I saw the car look like it needed to be detailed. The leather was in this terrible condition it looked like it had grab dirt grime etc. all over it just was not up to par, it look like somebody just traded it in and nobody wiped it down or even tried to clean it. I was actually embarrassed for the people to bring me a car that looked like this. I asked the guy would you spend {$35000.00} on this car and he just shook his head in the no position. At this point I was just so upset I couldnt believe that this could be happening to me, after having such a wonderful experiences with Carmax XXXX. After having a wonderful online buying experience with another retailer called XXXX. I couldnt believe that this happened. I was so upset I didnt want to even look at another car in Carmax or even at this point do more business. Upon me calling the Carmax team to let them know my experience, XXXX was now my contact at the location. She offered to really recondition the vehicle and as soon as that was done I could come back to Carmax in XXXX and check out the vehicle. ( Including a test drive ) The following week I went in after the vehicle was reconditioned to experience a test drive and make sure that it was up to par. XXXX was very nice, and put me in touch with someone named XXXX. I took a test drive with my mother-in-law, the car was a good drive. Upon returning the vehicle, I noticed the leather was still not good. I also noticed several other factors of the car I never even noticed before were wrong. I adjusted his concerns which were multiple with XXXX and at this point a man name XXXX who is a manager in Carmax XXXX. Damage to driver door also needs painted. Cup holder missing plastic. Antenna was bent crooked maybe from a car wash? Plastic clip in back seat Wrong keys ( needs to be with remote start, suspension included on key fob w proximity ) Seat heater buttons in the back Limited edition ram all weather floor Matts Also back up camera not functioning? Now fast forward two weeks. I called carmax XXXX every single day. I will try to connect with XXXX, XXXX, or XXXX. The only person to call me back, was XXXX. XXXX called me back, after I let the fire under your business office. however, XXXX and XXXX would often tell me they would call me back and I would never receive a call phone call. I feel like they should have been calling me daily to give me updates earning my business. In reality, I was calling every single day I was looking for what was happening. fast forward 14 days later from the initial home delivery it was still not complete. Saturday wasnt complete. Sunday I again reached back out. XXXX was who I spoke to that said he would for sure return my call by Monday early am. He did. Monday called me XXXX. Would have an answer by noon. Called me back XXXX ( I was on a XXXX XXXX CALL ) he had left no voicemail. I called back but he was on lunch. Mind you I have no extension to reference except the business office. When I select sales Im re routed to a call center not the store. Anyways, he called me back around XXXX left no message. I returned his call after I was finished with work at XXXX and he said everything was complete except for one small plastic piece in the back. Now I was trusting it was actually complete. Trusting he went out to inspect the vehicle. I decided to get a ride with my mother in law to come check it out. I asked for XXXX who put me with another sales associate. ( I actually hope nobody gets commission from the end sale of my purchase ) At this point as of Monday it has been 21 days since my initial application for finance. I had reiterated this multiple times to every single manager I talk to you. I was told it doesnt disappear until 30 days. However I called XXXX XXXX and they told me that it was 21 to 25 days, it changes and they were able to give me an exact date. So at this point Im frustrated as I dont want my credit to be reran a fourth time. So I go outside And I am mediately see theyre still damage and no paint repaired on the driver side door. The sales associate hands me the keys to the car, and they are not the correct keys red flag number two. I look at the antenna and its still bent, its not complete. Hi get inside the car and I can tell, that nobody has re-condition the leather or even detailed it. You could take it to a detailer who can make the car look much nicer than the current condition. There was no plastic piece in the cupholder there was no floor mats and from what I could see the only two things that were fixed was the vent clip that was broken and the back seat warmer buttons were no longer worn out. Its actually quite embarrassing. The associate said wow omg we should never let you see a vehicle in this condition let me get XXXX. She came over. She seemed embarrassed as the communication to her was everything was complete but the one piece in the back. She even told me she saw the keys but surprised herself they arent there. Im completely appalled as this was the third time of me trying to get this vehicle. So heres what I would like for you to do.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19904	Web	Servicemember
I am writing you in regards to some violations that I have been made aware of based off Consumer Law. I understand that legally there are laws that protect consumers and that need to be followed especially when private information is being reported to third party credit agencies. There are a few violations I would like to point out with this auto Loan with Carmax and all student loans that are reporting on my credit reports.. Even though the student loans are reporting as closed I am asking they be deleted upon immediate requestThe violations I will discuss is Identity theft, and next the final violation is Determination of Finance Charge 15 U.S.C section 1605 Both these accounts with Carmax and U.S Department of Student Loans are in violation of both laws The first violation I will discuss is identity Theft. Identity theft is a crime which an attacker uses fraud or deception to obtain personal or sensitive information from a victim and misuses it to act in the victims name which usually the perpetrators of such crime are motivated by their own economic gain. This particular violation falls under Consumer law Aggravated Identity Theft 15 USC 1028a 1.. The accounts for all the student loans listed on my credit reports that I have made complaints about several times, each time came back as verified by the credit report agencies which they confirmed with the original creditors. The schools that the loans were for have been owned and operated by XXXX XXXX XXXX during the periods of XXXX. Based on borrowers defense evidence these student loans have been eligible for full loan discharge. These loans are apart of a department action because there was evidence found that a widespread of misconduct violated state consumer protection laws and made a widespread of misrepresentations about its educational programs which are grounds for borrowers defense to repayment under the borrower defense regulations 34 C.F.R S 685.206 and or S685.222. I received an email stating that my loans have been discharged without any requirements of having to file an application because of the pervasive and widespread nature of the schools conduct and or misconduct. Consumer Law 15 U.S.C S 1028a ( 2 ) states that anyone knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority in means of identification of another person shall, in addition to the punishment provided for such felony. In the above paragraph pertaining to the student loans I informed you of the laws that had been broken because of misleading information being given by the school of XXXX XXXX. Not only have they affected me negatively for over 13 years because these loans were taken out from XXXX - XXXX but the loan dispersers have been knowingly transferring my identification documents, authentication feature, knowing that the documents were produced without lawful authority. These loans were proven to be given to borrowers based off false and misleading information and these creditors along with the credit reporting agencies are reporting inaccurate and fraudulent information. The next violation 15 U.S.C Section 1681C-2-a 1-4 Block of information resulting from identity theft. This particular violation deals with the consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) A copy of an Identity Theft Report ( 3 ) The identification of such information by the consumer ; and ( 4 ) Statement by the consumer that the information is not information relating to any transaction by the consumer The accounts that falls under this violation are all the student loans along with the consolidated loans because these loans were accompanied under the assumption of false and misleading information of attending XXXX XXXX XXXX. Another account that falls under this violation is Carmax. This account should be deleted per request because Carmax is customer consumer transaction account. Customer Consumer Transaction accounts are accounts that are in. Connection with your personal information. The violation with this account falls under the consumer law Definition of Finance Charges Truth and lending section per 15 U.S.C. S 1605. in this section it states that the finance charge shall not include charges of a type payable in a comparison cash transaction In my contract you can clearly see where a down payment cash deposit was put on vehicle.. I was told that a cash deposit had to be given in order to obtain the vehicle I also just noticed on the contract that when total fees were added that instead of them deducting the {$1700.00} cash down payment it was added to the total sale price. Insurance fees were not added in finance charge, Also in this section of what a finance charge includes the sum of all charges.. These charges should have been included in the financed charge.. 15 U.S.C 1605 ( 5 ) sum of all charges.. Because these account s were misrepresented because all sum of fees were not included the law states the premium or other charges for any guarantee or insurance protecting the creditors against the obligators default or other credit loss. Also The finance Charge should be broken down separately in details explaining all charges. This also falls under the 15 U.S.C Section 1611 ( 1 ) - ( 3 ) Criminal liability for willful and knowing violation. The creditors should be fined not more than {$5000.00} or imprisonment not more than 1 year. identity theft as well 15 U.S.C 1028 I also noticed that the {$1700.00} down payment was added into the sale price instead of deducted from the TOTAL sale price. Because these violations exist currently consumer law 15 U.S.C S 1635 states right of recession as to certain transactions. I am asking because of this violation I have the right to rescind the transaction until delivery of the information.. 15 U.S.C S 1635 Return of money or property following rescission. I am asking that any finance or any other charge given by the obligor along with interest arising by operation of law becomes voided upon such a rescission. Within 20 days after receipt of a notice of rescission the creditor shall return to the obligator any money or property given as earnest money or downpayment. I am also asking {$1000.00} per each violation of my consumer rights that that was pointed out.. and that for Carmax the remaining balance of the vehicle be reflected as paid off and the contract be voided because of the known violations Also upon reviewing I noticed that on my dealership 90 day warranty was given by the dealership but on the retailer installment contract it states that a fee of extended service which I was charged in the amount of {$1900.00} Please review thoroughly and consider all information With kind regards XXXX XXXX
09/22/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	VA 23228	Web
I spoke with CarMax customer service department as well as an advocate regarding my car loan. I was promised that I would receive a call back within 48 hours and its been a week with no response or update. When applying for the loan with CarMax, I paid a {$2000.00} down payment not by choice but because it was required in order to drive off the lot. I was also advised that before I could take my car off the lot, I was required to have insurance on the vehicle. I paid this company and completed the required because I trusted that they had my best interest at heart. That was not the case. As I have been studying the laws and constitution that is backed to protect me. I was made aware that 15 USC 1662b makes it clear and direct that I was not suppose to be required to make a down payment on my vehicle due to it being financed. 15 U.S. Code 1662.Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. ( Pub. L. 90321, title I, 142, May 29, 1968, 82 Stat. 158. ) This was not made to attention. To make matters worse, the United States constitution also speaks about what is to be included in the finance charges for my vehicle. 15 USC 1605 states ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. ( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof. ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. ( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction. ( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable. ( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness. This directly states that as a consumer I am to provide written consent that I would like to pay insurance outside of my finance charges which I did not provide. During the signing of the documents the representative advised me that I am to have full coverage insurance the entire loan term they did not give me an opportunity to include it which is an inconvenience to me. This company has violated my federal rights under the united states constitution and at this point i suspect they are refusing to fix the issue at hand.
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33060	Web
Dear Sir or Madam, 1. CAF Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
08/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CT 06512	Web
On XX/XX/XXXX the vehicle that I financed with carmax was involved in a motor vehicle accident. The car was towed to XXXX XXXX XXXX XXXX XXXX following the accident until repaired. I was informed that the car may not be eligible for repairs because it was most likely totaled. During the time before the car was involved in the motor vehicle accident, I was also struggling to make my monthly payments and at risk of having the car repossessed if I could not maintain the monthly payments. A week after the accident, I contacted carmax to inform them that the car was involved in an accident and to inquire about how much is owed on the car if the car is totaled. I was informed that it would be {$11000.00} because I did not have gap insurance. I gave this information to my lawyer to inform the insurance company of the party who hit my car. Once the car was involved in the accident, I stopped making monthly payments because I could not drive the car and I could not afford to pay for the car anymore. I was relying on the involved parties insurance company to pay off the car. During the process of waiting on the lawsuit payment from the defendant who damaged my vehicle, myself and my lawyer had been in contact with carmax on multiple occasions to inquire about the total cost of the vehicle. I contacted carmax in XXXX, XXXX, and XXXX. In XXXX as the case was moving forward, I learned from XXXX XXXX XXXX XXXX XXXX that they were no longer in possession of the vehicle because it was reclaimed by carmax. I contacted carmax on XX/XX/XXXX to inquire about this new information. The customer service agent at carmax was unable to provide me with any information regarding the location of the vehicle and stated that they would look into it. I then began my own investigation which involved the auto shop and the department of motor vehicles. I learned that there was no indication that the vehicle was recovered by anyone else or any company other than carmax. After no further response from carmax, I contacted them again on XX/XX/XXXX to inform them that the car could not be located on my end and that I was assured that they repossessed the car. I was informed by the customer service agent that they would look into this because they do not have any documentation regarding the location of the vehicle. On XX/XX/XXXX, I contacted carmax about settling my debt since they could not locate the vehicle. They informed me again that they do not have any documentation regarding the location of the car and informed me that they were willing to settle for {$13000.00}. I refused to make arrangements for this amount because I did not believe that it was a fair amount to pay for a car that they repossessed. They informed me that they would discuss with the supervisor and get back to me. I never heard back from them. Therefore, during early XXXX after receiving my federal tax income I contacted carmax again about settling the debt for the vehicle. They again refused to lower the amount which was now over {$15000.00}. During XX/XX/XXXX, I obtained a financial advisor to assist me with improving my credit. During this process, she advised me to contact carmax again regarding the closed account to try to settle the debt. Although I already felt defeated, I took her advice and contacted carmax again in XXXX of XXXX. I informed the customer service agent of the multiple attempts to settle the debt for the car that I was informed they repossessed. I informed her that XXXX had also been extremely challenging due to the pandemic and that I could not afford to pay such a high amount that is owed. She informed me that she would inform the supervisor of my concerns and someone would get back to me. No one ever got back to me. Months passed and finally on XX/XX/XXXX I spoke with an agent named XXXX from carmax and reiterated the details that I shared with previous agents. She informed me that she could see the previous notes regarding my concerns related to the where abouts of the vehicle. She then informed me that they have a policy that if a vehicle is involved in an accident, they can not repossess it. I questioned as to why after all of these years of contacting carmax about the vehicle am I just now learning about this " so called policy '' that previous agents had no recollection of? She had no answers for me but insisted that I was mixed up. I informed her that I attempted to locate the vehicle with the assistance of the department of motor vehicles and the auto shop and that they concluded that it was taken by carmax. I also informed her that I had {$2000.00} saved up to settle with in order to end this cycle. She informed me that she would speak to the supervisor to see if they could accept this amount since the balance was so high. XXXX called back on XX/XX/XXXX and informed me that they're willing to settle for {$13000.00}. I refused because I can not afford to pay that amount and I believed that I shouldn't have to pay that amount for a car that I was informed is in their possession. She assured me that she would speak to her supervisor again. I spoke to XXXX again on XX/XX/XXXX and she stated that they're willing to settle for {$11000.00}. I refused this amount as well because I can only afford to pay {$2000.00}. I am also not willing to pay this amount for a car that I believe in their possession. I believe that carmax is being unfair and that they indeed repossessed the car. This has been a never ending battle that I have been having with this company for years and it is exhausting. It has also impacted my in a negative way! I have not received any funding from any auto insurance companies to cover the costs of any damage to the vehicle. The insurance company of the party who hit my vehicle is still refusing responsibility and refusing to pay. I also had a lapse in auto insurance right before the accident. I would like a reasonable resolution to settle this matter for a car that is no longer in my possession. Thank you for your time!
07/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
Under Title 15 chapter XXXX, I am a federally protected consumer, a natural person, the administrator, and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ) ,15 USC 1601, 15 USC 1602 ( f ). I XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto Finance. In this consumer credit transaction in which I granted CarMax the right to be the creditor ( see finance charge on the contract specifying that ), CarMax supplied the California Retail Installment Contract and the debt, however, this contract is a deceptive, misleading document according to 1692 ( j ). In the security clause of the California Retail Installment Contract, it states they were given collateral THE SECURITY INTEREST YOU ARE GIVING US SECURES ALL AMOUNTS OWED BY YOU UNDER THIS CONTRACT AND ALL THE OTHER AGREEMENT YOU HAVE MADE IN THIS CONTRACT. My consumer rights were violated on multiple levels which I will explain ; the finance charge is the sum of all charges according to 15 USC 1605, and when theres a finance charge involved insurance should be included, however, CarMax demanded insurance before the purchase. When a finance charge is involved it should include no cash in a private consumer transaction according to 15 USC 1605 ( does not include charges of a type payable in a comparable cash transaction. ) CarMax demanded a down payment and {$3000.00} was what I paid on said down payment. I signed the contract under the organization XXXX XXXX XXXX with the social security card provided to CarMax. According to 18 USC 8, after XXXX the government assumed ALL liabilities that arise under transactions using your credit card XXXX Social Security Card ). I XXXX XXXX, the natural person, is not obligated or liable to CarMax auto finance alleged debt. In my Affidavit of Truth, which CarMax is in receipt of since XX/XX/XXXX, I revoked CarMax 's rights to be a creditor and I canceled the contract according to 31 USC 3718. CarMax can not originate credit ; they can only extend credit because I am the original creditor, the natural person according to 15 USC 1602. Federal law states that any person sending you a " bill '' violates your consumer rights. CarMax is charging me for a transaction that is already paid for. They continue to pursue collection with fraudulent bills, violating the FDCPA. I have many bills with multiple violations on each, such as late payments. For example, since there was a finance charge involved, there should be no late payment fees. I have received many bills from CarMax alleging I owe late payment fees. CarMax Auto Finance Violates FCRA, FDCPA, and TILA. CarMax continues to solicit on this alleged debt and has negatively reported on my consumer credit report. This is defamation of character. I did not give CarMax Auto Finance direct consent to report on my consumer credit report, according to 15 USC 1692c ( a ). CarMax Auto Finance did not tell me about my right of rescission according to 15 USC 1635- the right of rescission. CarMax Auto Finance has been in receipt for more than 30 days of my letters including, an Affidavit of Truth, Cease and Desist, Debt Validation, and Exhibits showing violations with an invoice for remedy of such violations. They made no rebuttal to my affidavit, so it stands as truth in commerce and results in a default of judgment according to the federal rules of civil procedure rule 55 or summary judgment under rule 56. At this point, CarMax is infringing on my privacy, unauthorized and in violation according to 15 USC 1643 and 15 USC 1692 ( j ). This is ISSA fraud and a complete violation of Title 15, Chapter XXXX. Furthermore, on XX/XX/XXXX CarMax sent a repo man named XXXX XXXX an unauthorized third party, a XXXX ) from XXXX XXXX to my address to repossess my vehicle. Who gave XXXX my privileged and confidential information? In the California Retail Installment Contract, it states We may take ( repossess XXXX the vehicle from you as long as we do so peacefully. 1 ) CarMax did not repossess the vehicle themselvesthey sent a third-party vendor to my location to disturb the peace, violate my rights and unlawfully take my vehicle. Nowhere in the California XXXX XXXX XXXX does it say they will issue a THIRD-PARTY vendor to steal the vehicle. As aforementioned, said contract clearly says We to which the Repossessor is not employed by CarMax. 2 ) CarMax can not repossess something they do not own this is THEFT, FRUAD, and IDENTITY THEFT and is completely ILLEGAL. I told the Repossessor that there is a Cease and Desist in place, and he did not have my permission to take the vehicle. I also disclosed to him, CarMax has violated my rights by exposing my privileged and confidential information to a third-party vendor who I am not in contract with and do not know and further clarified that CarMax did not have the right to send him to my location to disturb my peace and illegally take my vehicle. I then called CarMax, while he witnessed, and spoke to multiple agents in upper Management XXXX XXXX and XXXX XXXX in which I explained/enforced the law. They proceeded to straw-man/minimize my claims and even instructed their third-party vendor to have their Repossessor steal my vehicle. CarMax Auto Finance will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to. That said, I demand the full remedy for violating my consumer rights and illegal wrongdoings against me, compensation for all pain and suffering caused, compensation for defamation of character and damaging my consumer report according to 1692k, refund for all sums of money collected on this fraudulent contract, return of my vehicle and title ( lien-free ), zero out the alleged debt and positively report to all reporting agencies.
07/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CARMAX AUTO FINANCE bal. {$7200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/29/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 757XX	Web
On XX/XX/18 my husband and I contacted Carmax auto finance due to a letter we received stating that our vehicle was in repossession. We were told that someone had removed phone calls from our account and that is why we were never notified before the repossession letter. During that phone call we discussed payment on XX/XX/18 with an intent to pay {$500.00}. We were told that no XXXX were made to the account and payment would be expected on XX/XX/18 or repossession would go into affect on XX/XX/18. We were not asked to give any credit card information or other information further than the intent to pay. On XX/XX/18 XXXX XXXX the third was contacted again with threats of repossession despite the arrangement made with the previous call center manager. He explained the details he was given and was told that the information he was given was false. He explain to the person that he would be going home to verify with the written letter that was sent to us. On XX/XX/18 A Nother call was made by Carmax auto finance group at XXXX stating that the car will be repossessed on XX/XX/18 if payment was not made. I stated to the call center rep that we had already made arrangements with a previous color and that I was currently trying to work and did not have time to discuss anything unless it was new information. A Nother call was made by Carmax auto finance group at XXXX stating that the car will be repossessed on XX/XX/18 if payment was not made. I stated to the call center rep that we had already made arrangements with a previous caller and that I was currently trying to work and did not have time to discuss anything unless it was new information. At that point the call center rep stated to me that I was incorrect and that our car would be placed for repossession tomorrow morning. At that point I asked for a supervisor and the supervisor also stated that the car was up for repossession tomorrow morning. I asked her to go back in the records and look things up. She wanted to put me on hold again and I explained to her that I am currently working phone lines for one of my jobs. At that point the call center rep stated to me that I was incorrect and that our car would be placed for repossession tomorrow morning. At that point I asked for a supervisor and the supervisor also stated that the car was up for repossession tomorrow morning. I asked her to go back in the records and look things up. She wanted to put me on hold again and I explained to her that I am currently working phone lines for one of my jobs. She stated that she would call me back after she had some time to review the information. Once she called back she informed me that there was a mistake somewhere and that due to the date of the letter we received we did in fact have until XX/XX/18 to make a payment of {$410.00}. This company has been ridiculous in there miss management of our information. We have received no phone calls to inform us of how late our payments were. We were under the impression that payment arrangements had already been made through the app this company has been ridiculous in there miss management of our information. We have received no phone calls to inform us of how late our payments were. We were under the impression that payment arrangements had already been made through the ap. We however did not know that our bank declined the check despite having overdraft privileges on our bank account to cover car payments or other bills as needed. In XXXX I had a serious injury involving a XXXX XXXX and XXXX XXXX in my XXXX XXXX. I have been out of work most of the summer and have just recently finished XXXX XXXX as of two weeks ago. I stated this to the we however did not know that our bank declined the check despite having overdraft privileges on our bank account to cover car payments or other bills as needed. In XXXX I had a serious injury involving a XXXX XXXX and XXXX XXXX in my XXXX XXXX. I have been out of work most of the summer and have just recently finished XXXX XXXX as of two weeks ago. I stated this to the Call center representative on the XX/XX/18 phone calls and informed her that now that I was back to work I could take back over handling the account. I was confused however on why I did not receive any phone calls. The representative claims that someone told them not to call us anymore but could not give us details on that phone call. Neither my husband or myself remember telling any representative not to call us. We remember stating to a representative to not call us at work however that does not mean to not call us. Period a collection representative contacting an individual I was confused however on why I did not receive any phone calls. The representative claims that someone told them not to call us anymore but could not give us details on that phone call. Neither my husband or myself remember telling any representative not to call us. We remember stating to a representative to not call us at work however that does not mean to not call us. Period a collection representative contacting an individual while at their place of employment is extremely unprofessional and XXXX look bad on the individual. That type of situation can cause stress at work and in some cases loss of employment. We feel that the mistakes of XXXX XXXX XXXX have caused us XXXX XXXX with the constant contact after the lack of contact for three months. This situation needs to be remedied. It is one thing to call once a week to remind someone of a debt but once payment arrangements have been made collection calls should cease until the date of that payment has passed.
12/10/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77084	Web
Carmax is alleging I owe a debt and stealing property from my trust. My contract is the security that funded this credit sale. CarMax Auto XXXX XXXX is the seller and depsoitory company that has illegal used my financial asset. Carmax is the servicer of the loan which servicers have no rights. Servicers only hold loans. Carmax has kept the interest, proceeds, and insurance from the sell of my security. As the executor of my estate I am entitled to compensation from Carmax. Futhermore I can not be indebted to Carmax while you're making profits from my security. A simple contract does not guarantee interest per federal law. Therefore Carmax has no interest or power to for performance nor keep all the profits from financial asset. That is securities fraud. ( 7 ) " Entitlement holder '' means a person identified in the records of a securities intermediary as the person having a security entitlement against the securities intermediary. If a person acquires a security entitlement by virtue of Section 8-501 ( b ) ( 2 ) or ( 3 ), that person is the entitlement holder. ( XXXX ) " Entitlement order '' means a notification communicated to a securities intermediary directing transfer or redemption of a financial asset to which the entitlement holder has a security entitlement. ( XXXX ) " Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article. As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. ( 10 ) [ reserved ] ( 11 ) " Indorsement '' means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming the security or granting a power to assign, transfer, or redeem it. ( 12 ) " Instruction '' means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed. ( 13 ) " Registered form, '' as applied to a certificated security, means a form in which : ( i ) the security certificate specifies a person entitled to the security; and ( ii ) a transfer of the security may be registered upon books maintained for that purpose by or on behalf of the issuer, or the security certificate so states. ( 14 ) " Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. ( 15 ) " Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. ( 16 ) " Security certificate '' means a certificate representing a security. ( 17 ) " Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5. ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. ( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. ( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
05/31/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30342	Web
I dispute the validity of the alleged debt. On XX/XX/2023, In good faith, I, XXXX : XXXX BENEFICIARY XXXX a flesh and blood living man, mailed bill of exchange remittance coupon to CarMax Auto Finance accepted for value received {$22000.00} for accord and satisfaction of obligation due. Pay to the order of : CarMax Auto Finance for special deposit such as bailment or general deposit account # XXXX. To dishonor return in 3 days. By Accommodation Without Recourse. UCC 3-603/UCC3-311 This instrument was received by CarMax Auto Finance on XXXX XX/XX/2023 XXXX evidenced by XXXX mail tracking XXXX XXXX XXXX XXXX XXXX XXXX ( See Exhibit 2 pg. 9 ) and the instrument was dishonored Violating : UCC 3-603 and UCC 3-311 to which ; UCC 3-603. TENDER OF PAYMENT ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. ( b ) Unless subsection ( c ) applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. I called multiple times and they said they were unable to find my tender which they received XX/XX/2023, USPS Tracking Number XXXX XXXX XXXX XXXX XXXX. ( See Exhibit 2 pg. 9. ) I sent registered XXXX ( Exhibit 10 ) to XXXX XXXX XXXX XXXX a copy of the Affidavit of Truth regarding my Billing Dispute Notice on XX/XX/2023 ; I also sent, the original Affidavit, to XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Certified Mail Number XXXX XXXX XXXX XXXX XXXX, ( see Exhibit 3. ) to his corporate address. On XX/XX/2023, I added the collateral to Private Trust : ( See Exhibit 4 ) Colorado Secretary of State Date and Time : XX/XX/2023 XXXX XXXX Master ID : XXXX Validation Number : XXXX After multiple attempts to resolve this billing error, in which XXXX XXXX XXXX XXXX CarMax Auto Finance continued their debt collection attempts, out duress I went online and made good faith tender through their porthole on XX/XX/2023 ( See Exhibit 5 ). The account was closed on XX/XX/2023 ( See Exhibit 6 ) and notice was sent to XXXX with updated balance on XX/XX/2023 ( See Exhibit 7 ). I called DMV on XX/XX/XXXX, to check on the status of title and they reported that CarMax has a lien against BENEFICIARY and there is none noted at the Secretary of State UCC commercial registry ( Exhibit 8 ). I then called CarMax and they stated my payment was reversed and if I do not pay a minimum of {$510.00}, they were going to repossess the motor carrier. I informed the agent that I had already tendered my remittance that was received on the XXXX of XXXX, and she stated " we did not find it and if you do not pay now, we will repossess it. Threatening to repossess property is a violation of FDCPA 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt It is illegal to attempt to collect when there is a billing dispute per CFR 1026.13 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) which XXXX XXXX XXXX XXXXCarMax Inc. received Affidavit via XXXX ( See Exhibit 10 ) XXXX XXXX XXXX ( refer Exhibit 3 ). On XX/XX/XXXX, I checked the Georgia Secretary of State Lien index ( See Exhibit 8 ) and there is no lien against me yet, CarMax is extorted, monies from me, and creating duress and anxiety with the threat of repossession of my motor carrier handing capping my ability to provide for my basic necessities, without responding to my dispute and after the tender was made UCC 3-311 ( a ). I am a victim of fraud of racketeering and XXXX XXXX XXXX XXXX/CarMax Auto Finance is attempting to get tenders from me under the threat of illegally taking my personal property, which is collateral of Trust, ( See Exhibit4 and 9 UCC Financing Statement ) The Truth in Lending Act is strictly a Liability statute liberally construed in favor of consumers. Truth in Lending Act Section 102 et. Seq Title 18 - CRIMES AND CRIMINAL PROCEDURE Part 1 Chap. 1 Sec. 8 Obligation or other security of United States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I am being denied my lawful due process and am under extreme duress resulting from these illegal debt collection practices.
07/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 78703	Web
I knew that at a score of XXXX depending on the credit report, and being self employed, finding a car loan would be difficult. I purchased a lemon in cash in XXXX and remain cash poor from that loss. On carmaxs website they advertise both preapproval subject to verification and also an express pickup option that allows a consumer to pickup his/her vehicle after all verifications are complete and the loan is formally approved. After submitting my initial application and the documents I was asked for on the website, I received pre-approval. Recognizing this did not mean my documents were accepted, I began working with a salesperson over the phone named XXXX and a woman from the finance department named XXXX. I explained that I hated the car buying process and was in a precarious situation needing financing. I explained that before my credit was formally ran, I was expecting a full document review to ensure that my ability to prove up my income as a self employed person had been verified. I did not want hits to my barely fair credit score nor did I want to subject myself to unnecessary wastes of my time should my documents not be acceptable to the lender. I was assured by both XXXX and XXXX that my documents were verified. They even reviewed the specific deposits into my account, because they adjusted down my income from the number I got from my XXXX tax return. They stated that the documents were good and that I would be informed if they needed additional verifications. After hard pulling the first time, they informed me I was approved and asked when I would like to pick the car up. Hesitant about the cards fuel type and plug in requirement, I asked for review of my application against another vehicle. Same process and same approval. I recognized some defects in the interior and ultimately decided on the first vehicle again, and by doing so they pulled my credit a third time. Throughout I kept asking why multiple pills were necessary and XXXX told me not to worry, that a little known fact of law was that after the car buying process was complete that credit reporting agencys would consolidate all of my inquiries related to a transaction into XXXX single inquiry. Having been to law school myself and never having come across that regulation requiring consolidation of inquiries, I asked XXXX if she was certain that was a thing and she offered to find the documentation stating it occurs. Despite my disbelief, I was assured I was approved and continued with the process. The following day, I gathered my down payment and insured the vehicle as prescribed and was told I could pickup the vehicle that day. Despite offering express pickup before, suddenly the computer systems were down and the software wouldnt allow them to set that up according to XXXX, and so I was told just to attend an appointment at XXXX where in XXXX minutes Id have signed my docs and would walk out with my car. When I arrived, no one knew I was coming. I was issued a salesperson who as able to review my application. He began working issues with the documents that were supposedly approved before pulling my credit XXXX times which included getting XXXX document in odd form and then highlighting the deposits on my bank statements so they could recalculate my income. ( XXXX and XXXX had already done this as they felt they needed to adjust down my stated income based on the average of the XXXX months preceding the transaction. ( Although these are my quietest months I still showed an income of XXXX per month according to them. I had stated my income was closer to XXXX based on my adjusted gross income from my XXXX tax return being XXXX. ( XXXX a bigger year, was under an extension ). Ultimately the salesperson rejected my documents and application, stating that certain types of deposits were not acceptable to prove income, specifically deposits from pay apps. Owning a transportation business, pay app transactions are the majority of my business accept for larger deals which are paid by check or bank transfer services or potentially pay apps as well. How this is not classified as acceptable income by CarMax, but is by the IRS is incredible. My complaint however is that a condition precedent to my approval to run my credit was that my application was fully approvable and all documents had been collected that would/could be necessary were properly reviewed prior to me taking a credit hit. They assured me falsely not only once, but 3 times, bringing my already fragile XXXX to a XXXX, leaving me virtually unfinanceable as a result. Then they subjected me to undue embarrassment and missing income opportunities as work, to come in and be rejected despite telling me I was fully approved and ready to sign and go. Both their pre-approval process and the express pickup features as described on Carmaxs website are false advertising. I was lied to about my application status to entice me into credit pulls that served no purpose. I only allowed them because I was led to believe my application had been fully approved and all my documents were already accepted. As a result, Im left carless and now unfinanceable due to the impact of their unauthorized hard pulls made without my informed permission and made only through a dishonest or misleading set of statements intended to make me believe my documentation was already vetted.
11/21/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 072XX	Web
I am writing to you today to complain about my auto finance company ( Carmax Auto-Finance ) . From the beginning of the purchase, Carmax tried to manipulate me, the make and model of my vehicle YEAR is XXXXXXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX. On the day, XX/XX/XXXX, I signed a retail contract and also purchased gap insurance and extended warranty up to 125,000 miles or 5 years. We signed all the documents which they gave us. We read it carefully and signed them. And from the following month, I started making payments to the company. After 3 months, on XXXXXX/XX/XXXX to XXXX, I received a letter from store that i need to sign my retail installment contract again. They explain that we missed the sign of the Gap agreement in the retail contract. They write to me that they needed complete signature of this financing contract. Otherwise, they can stop the funding of my current loan and it will be cancelled. But the fact is that it was already been funded, and I have also made payments. Then I contacted Carmax customer service, and they found out that we did sign the gap insurance in retail installment contract. They are also confused as why the store would want to re-sign this one. At the time the store also tried to bribe us if we sign this contract again then they will refund 2 tanks of fuel. They keep calling us, and then I talk to the Carmax agent online, and he shares the retail contract with me. At the time of the vehicle purchase and it was signed signed by us.we were confused so much why they need sign and why they are lying whith us After a few months, I discovered that the car had different tires than it should have had. I contact Carmax and after all the discussions of two to three hours they decided to change my tires. They know its their fault at the time of purchase they told me that tire 's are new in a second month i had to change my tire. and also when I bought the vehicle, they didn't tell us that the car must have a run flat tire, ( for new or pre-owned vehicle bmw 5 series ) it comes with it, but the tires fitted were normal tires. From then on, we thought about it and we didn't re-sign the contract after all this situation. We decided to join the other finance company. We refinanced our car with XXXX on the date XX/XX/XXXX and they paid of carmax and became our new lien holder. Now XXXX sent us a letter saying they needed a title from the car but Carmax didn't send them a title. They should have sent to XXXX because they paid off my car loan. After few months my car went to the pothole and my insurance company said it was totaled, now XXXX ( my insurance company ) wants an auto title, Now my insurance company wants to pay XXXX to release the title. But now we need a title of the car after contacting Carmax Auto-Finance . They told me the new lien holder is XXXX XXXX XXXX . Well, we didn't make a deal with XXXX XXXX XXXX . We have not signed any documents with them, so how can Carmax release my lien to XXXX XXXX without my permission. How can they share my personal information with the XXXX? It is illegal to share them. I do not know the history of the car, which I also want to know because they lied to us too much. I want to know whether the car had a accident or not. I would also like legal action with the store if they try to cheat other customers on a Carmax auto loan. From XX/XX/XXXX, to XX/XX/XXXX, is the worst time I had with the Carmax. I was hit so hard both mentally and financially. Because of these situations, I often have to go to the store. I didn't concentrate in my personal or professional life just because of this fraudulent company. When I called them they told me they don't know how the XXXX in this title. They easily told me they will take a letter from XXXX XXXX XXXX XXXX of not interest in car and easily get out of this situation. Now I am calling every single day in carmax title department and somebody picked up the call listen situation and says he/she will find out what's going on and call me back, but they never call me back. And also I am attached the letter they sent on XX/XX/XXXX when they tried to resign the retail installment contract. Now XXXX wants as a 1st lien holder as a carmax auto finance. For that XXXX XXXX XXXX has to transfer lien to carmax auto finance .then carmax will transfer lien to XXXX XXXX XXXX .then XXXX will transfer the lien to XXXX insurance XXXX This process takes at months now i don't have car. my insurance will give me only 1 month of rental car after that i have to pay for car rental .and also i have to pay my auto loan to XXXX until they get a title of the car, and then they transfer to XXXX and XXXX will release payment. carmax have to provide title under name of XXXX so we can move forward with this process and release my car payment from my insurance company XXXX made payments after my vehicle totalled .its a breach of contract they have to provide right title to me as per retail installment contract. sincerely, XXXX XXXX
07/31/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 190XX	Web
On XX/XX/XXXX I sent a NOTICE OF THE RIGHT TO RESCIND Retail Installment Contract Number : XXXX Signed : XX/XX/XXXX to CEO of CARMAX AUTO XXXX, XXXX XXXX XXXX via certified mail number XXXX which was confirmed delivered on XX/XX/XXXX. I also sent a carbon copy to Consumer Financial Protection Bureau which was confirmed delivered via a response letter dated XXXX XXXX. This notice stated ( XXXX ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge. ( XXXX ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. ( XXXX ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( XXXX ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation. Today is XXXX XXXX which is obviously well over the 20 day grace period and I have yet to receive the title to my private property, {$3000.00} which was used as the down payment for the property or a response from XXXX XXXX XXXX acting as CEO. This notice falls under the three years right of rescission period provided for under Federal Law, due to CARMAX AUTO XXXX XXXX XXXX failure to provide any right of rescission disclosures. It is a Fact that pursuant to 12 CFR 1026.23 ( b ) ( 1 ) In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( ii ) The consumer 's right to rescind the transaction. ( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission, as described in paragraph ( d ) of this section. ( v ) The date the rescission period expires. It is a Fact, that I am the consumer and have now given CARMAX AUTO XXXX a Notice of the Right to Rescind and under 12 CFR 1026.23 ( d ) ( 2 ) it states that 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. Let it be known that I immediately want CARMAX AUTO XXXX XXXXXXXX to terminate their security interest and remove their public lien over the vehicle shown in the local Department of Motor Vehicles and mail me the Title along with the XXXX XXXX It is also a Fact that pursuant to 15 U.S. Code 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges; meaning the down payment for the car was not clearly or conspicuously explained to me, nor was it a part of the finance charge, that was the sum of all my charges! Therefore, I am demanding that ALL of my property be returned to me by CARMAX AUTO XXXX the seller-creditor including my Down Payment of {$3000.00} and ANY payment I made to the lender CARMAX AUTO FINANCE in connection with the Motor Vehicle Retail Installment Contract. It is a Fact that according to 12 CFR Part 1026.17 ( a ) this contract was not clear and conspicuous. It is a Fact that I demand the removal of my information from CARMAX AUTO FINANCE website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted notice being serviced to CARMAX AUTO FINANCE today and therefore, standing as truth in commerce, so be it.
07/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NJ 079XX	Web
Carmax Auto Finance and Carmax XXXX XXXX XXXX XXXX have violated several of my rights and I want it to be noted, reported and corrected. On XX/XX/XXXX I purchased a vehicle from Carmax XXXX XXXX XXXX XXXX and per the retail installment contract, my finance company was XXXX XXXX. On this day all paperwork was signed and I was on my way with my vehicle. On XX/XX/XXXX I received a call from XXXX whos phone number is XXXX and has called from the numbers XXXX and XXXX stated Carmax lost the retail installment contract with my wet signature that was signed on XX/XX/XXXX at the dealership and Carmax needed a new one signed. That was really weird to me and I didnt feel comfortable signing a blank contract and sending it back in the mail. So I never signed a new contract, in fact I never signed anything they sent me via the mail. From that point on XXXX kept calling me harassing me to sign a new contract even though I said specifically I do not feel comfortable signing and I wont be signing anything. XXXX, a representative from Carmax per 15 U.S. Code 1692d ( 5 ) violated my rights as I have about 11 calls and 8 voicemails saved of her requesting I sign. During this time I was still making my usual payment to XXXX XXXX. Then on XX/XX/XXXX, ten days after XXXX last call to me, I received the title to my vehicle and the lien release ( non interest statement ) from XXXX XXXX stating that my loan was satisfied. The lien release was signed, dated and notarized making it an official document. I called XXXX to verify if this was correct and then did indeed confirm it. I had no reason to question it because as of XX/XX/XXXX my obligation was to XXXX XXXX as they were the lienholders on the vehicle I was paying for. So on XX/XX/XXXX I received an unsigned Notice of Reassignment from Carmax. The notice said as of XX/XX/XXXX they reassigned my contract from XXXX to Carmax Auto Finance. What power did Carmax XXXX XXXX XXXX XXXX have to reassign the contract 6 months after signing? A contract they lost and did not have my wet signature on. What power did Carmax have to make me continue paying on a loan that XXXX XXXX had all legal rights and powers to. Per the retail installment contract of XX/XX/XXXX, XXXX XXXX said I fulfilled all my duties as the buyer to the contract on XX/XX/XXXX. You see on page XXXX of the retail installment contract the last paragraph marked Assignment, states that the Seller Carmax XXXX XXXX XXXX XXXX sells and assigns and transfers all rights, powers, privileges and all obligations of the buyer to XXXX XXXX ( the assignee ). It also says IF ON THE DATE of this assignment there is in effect a dealer agreement between SELLER and ASSIGNEE pertaining to the sale of the contracts to assignee by seller the sale and assignment of this contract to assignee is made subject to all the terms and conditions of that dealer agreement. That clause was dated XX/XX/XXXX and signed by a Carmax representative on XX/XX/XXXX. Per the clause there was no effect or change in the agreement on XX/XX/XXXX and on XX/XX/XXXX I began to pay XXXX XXXX as agreed in the contract. According to Per 15 U.S. Code 1611, Carmax lied to me and led me to believe the contract was still in force, when really the contract was terminated the moment I received my lien release and title. It was because of Carmaxs negligence that they lost the contract with my wet signature and so they have been illegally taking my money each month for a contract that is not valid. Per 15 U.S. Code 1692f ( 6 ) ( A ) Carmax is in clear violation and I have been giving my money to Carmax each month since XX/XX/XXXX in exchange for a car I technically own already. To this day Carmax still has no rights or interest in the vehicle so why are they still requiring me to pay for a car that they have no rights to. They also violated my rights on XX/XX/XXXX per 15 U.S. Code 1605 ( a ) Carmax XXXX XXXX XXXX XXXX illegally took cash from me in the sum of {$3400.00}. When it clearly states per a consumer credit transaction. The finance charge does not include charges of type payable in a comparable cash transaction. Meaning because I was financing no cash should have been exchanged at all. Also per 15 U.S. Code 1662 ( 2 ) unless Carmax XXXX XXXX XXXX XXXX charges all consumers a fixed down payment in the amount of {$3400.00} for each transaction they conduct, they unlawfully took my money. This whole ordeal has truly been frustrating and I just feel I have been deceived and abused by Carmax.
06/30/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34953	Web
On XXXX XXXX I spoke with agent XXXX from Carmax Auto Finance regarding a charge off made on my XXXX XXXX XXXX. I was advised of the total amount of $ XXXX dollars due for collection to close out the loan. I requested a settlement agreement and was then advised that i am approved for a settlement of {$720.00} that must be paid in full by the end of XXXX XXXX. I paid {$400.00} during the call and owed the balance of {$320.00}. I advise the agent that the balance will be paid the following Friday. She said no problem as long as it is paid before the end of XXXX the offer is applicable. I was lead to believe that once the balance is paid in full then the write off would be removed as they update the credit bureaus that the account is paid in full and all arrangements have been met by the customer. I was told that i would receive the payment amount in the mail and then the final close out information after the payment is made. Prior to this conversation and the settlement agreement i was also told by another agent that because the write off is new if it is paid in full within a certain time frame it can be removed from my record. This was all new information for me, i was never informed of these rules before nor did i ever research these rules so what was said to me was all i knew it to be. I know i am not making it up in my head. If the company rep misspoke or created an incorrect assumption this is the action of the agent and not the consumer. I paid the balance of XX/XX/XXXX at XXXX XXXX and the agent at that time said that they would update the charge off to credit file and state that the payment is paid in full. I said to her when you said update does that mean the charge off will be removed. She responded, no, the charge off will stay there for 7 years. I then said to her, but i agreed to pay a settlement to remove the charge off report. This is what i was told by the agent who offered me the agreement. This was my understanding. She told me that they don't do that. Even though i was still confused i said ok and took the confirmation information. A minute later i called again and told the agent who answered that i just paid the balance and i was told that the information would be updated but the charge off would remain which is different from what was siad before. She asked if i spoke to the same agent both times and i said no. I told her the agent who offered me the settelement lead me to believe that it would be removed based on full payment of the settlement amount. She then transferred me to XXXX. XXXX stated that she did not say this to me " She did not say that the report entry would be deleted ''. I responded by saying you did not say it would be deleted, instead your words were " it would be removed '' You also said you would update the file. Leading me to believe the update would be a removal of the entry. I said there is a recording so we can check that. She said her manager would do that. She put me on hold and the collections manager XXXX came on the call and stated that she listened to the call and the agent stated that it would be updated but the charge off would remain. I asked for the agent full name and contact information and she said they could not give me the information. I asked for the manager full name and contact information such as an extension number or email. She stated that she could not give me that information. She said the only thing she can tell me is that she is the manager in the collections department. I also did not hear the recording for myself. I asked them to verify all the details, dates, time and dollar amounts as per the agreement. The information is below. I then said ok thank you and hang up. AUTO FINANCE CLOSE OUT AGREEMENT Customer : XXXX XXXX XXXX Agent Name : XXXX Collections Manager : XXXX Date : XX/XX/XXXX around XXXXXXXX XXXX Total Amount Settlement Agreement : {$720.00} Paid : {$400.00} on XXXX XXXX XXXX XXXX XXXX Paid {$320.00} on XXXX XXXX XXXX XXXX XXXX Final Payment Expiration Date : XXXX XXXX XXXX XXXX
08/10/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 314XX	Web
I would like to start off by first saying that it has been a long XXXX months. I have been trying to get out of my vehicle but no one has tried to even help me. I first tried to get into a XXXX XXXX XXXX XXXX XXXX. It was such a beautiful car. I had a down payment of {$350.00} plus a trade in that I still owe. At first the manager and the salesman said that I had the car and to go ahead and put insurance on it. So I went to get insurance on it with the XXXX lady. I found out that the insurance was cheaper on the XXXX than my current car. I was really happy and excited then. The manager then tells me to come back in the morning to pick up my new car. He said he was working with one of the banks that he knew to get me a good financing rate. He said I would need a co-signer. I have never in my life had a co-signer. So I thought that was weird. I knew I had good credit because I have always paid my loans back and XXXX car note paid off. So I was excited to get into this beautiful car because I love cars so much. And also people who love cars knows that XXXX XXXX makes very fine automobiles. I tell my friends about it and couldnt wait to be in it. Then the next day I go into the dealership I was excited. But the bad news was we couldnt help you get it. So I was upset. They said I needed a co-signer. I never in my life had to have a co-signer before. I never checked my credit score to know either. But then I applied for a personal loan at a credit union bank. They approved the loan for {$2000.00} for XXXX years. With great financing. They arent making much on me in those two years. After all is said and done they are only making {$200.00} dollars off me. Great people. This reminds me I have to make a payment with them. Anyways the beautiful lady said my credit score was a XXXX and that was good. So after that I tried to apply for other cars all around XXXX. I had a lot of inquiries from different dealerships trying to get out my car. They all said that I needed a co-signer or I didnt meet the credit standards. But I knew I had a good credit rating. So I never stopped trying and I finally found out that it hurt my credit score for each inquiry. The lady that gave me the loan at the bank told me that. So I continued to try because I wanted out this car and also because the first dealership told me that I would have car trouble soon. They wanted me to buy a new car. I have went to just about every dealership in XXXX and no one could help me. One salesman even went as far as adding what I owe on the car to a brand new car. That made the XXXX model the same price as a XXXX model with high interest rate. And expected me to buy it and think it as being fair. With adding no incentives or rebates. Saying I did not qualify for the program. He even said that you know that you are insane. Going everywhere and expecting a different result. No one helped me get into a new car I wanted. Even going to the next state over didnt help me. The people that were at the first dealership where I wanted the XXXX XXXX had now moved to that state. They also have others here in XXXX as well. I love cars and always will. All the dealerships in XXXX, Georgia made it like it was impossible to get a new car. I had deals on a XXXX XXXX XXXX XXXX and a XXXX XXXX Coupe from some lenders that CarMax goes through and I didnt even know because no one at CarMax even tried to contact me about it. So now I am still in the same car. I found out that XXXX rotor needs replacing and that it has been cut a few times and it just needs a new one totally. I didnt even know that. I trusted Carmax and their XXXX point inspection. But they lie so much. My car history shows no accidents. But looking at the car everyday and seeing it and driving it I know it has been in a accident. XXXX wont buy back as promise either. XXXX CarMax wont help. Love to all
01/20/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37130	Web
I am a XXXX year old XXXX Mom/single parent. I have a XXXX & XXXX year old at home. I am XXXX, I have a XXXX, so I needed something with parking sensors and a back up camera. I trusted CARMAX when I bought a XXXX XXXX XXXX from CarMax in XXXX, Tennessee with an original contract price of {$27000.00} at 15.9 % simple interest through Carmax Auto Finance. The driver side door has a defect, and some body/trim damage. I purchased the XXXX car at night, and the door damage is such that you can not see it unless you are looking for it. The bluetooth technology package does n't work, nor the DVD player. The trunk trim was n't secured in, but that is not something the average consumer can detect. The back-up camera does n't work consistently and there is a steering column defect. The vehicle had XXXX miles on it when I bought it. It has approximately XXXX now. I was not made aware of any warranty or what it might cover at the time of purchase, so I incurred a great deal of unnecessary expenses maintaining the vehicle. I purchased the car, XXXX XXXX, XXXX. I made my first payment on XXXX XXXX, XXXX which was my understanding the first payment was due. There was XXXX payment that was reversed in the coming months. I have been living on a very fixed income due to my XXXX, and my benefits are not always received in a timely manner. When I became late, I spoke with CARMAX to make arrangements and was met with a very negative response. I worked very hard to bring things current in spite of my financial and health limitations. From XXXX XXXX - XXXX XXXX, I made payments as I was able, and then Carmax repossessed my vehicle without notification late XXXX night in XXXX XXXX. I was forced to file Chapter XXXX in order to have my vehicle returned to me. Please remember that I need this vehicle 's features due to my limitations in the mobility of my neck. Carmax charged off {$27000.00} dollars, and made a claim for the same amount in the Chapter XXXX case. According to Carmax records, during the Chapter XXXX, the Trustee made the payments according to the plan he had structured. He determined the value of the car to be {$20000.00} in XXXX XXXX. Carmax agreed to take that amount in the Chapter XXXX plan as a payoff amount. At the time I filed for Chapter XXXX, I had paid directly to Carmax approximately {$2900.00}. From XXXX XXXX thru XXXX XXXX I paid approximately {$9100.00} dollars. In XXXX XXXX, I received some assistance and paid {$5000.00} dollars to bring the account current. I was told this brought my account current by your representative XXXX at extension XXXX. He changed my due date from the XXXX of each month to the XXXX. I made a payment in XXXX, XXXX and XXXX for {$580.00}. There was an issue with my checking account in XXXX beyond my control, and I notified XXXX of this by phone in advance, and attempted to make arrangements. As a result, my bill pay check did n't process for XXXX, but I paid {$580.00} on XXXX/XXXX/XXXX and {$30.00} fee per XXXX @ extension XXXX. When I paid the {$5000.00} towards my account in XXXX, I was told my payoff ( balance owing to own the car out right ) was approximately {$14000.00} dollars. According to CarMax, I have paid a total of {$18000.00} towards the purchase of this vehicle I bought for {$27000.00} in XXXX XXXX at 15.9 % interest. I was informed the pay off was {$21000.00} dollars through the XXXX of XXXX XXXX. I paid the {$5000.00} towards my account in XXXX, the payoff to own the car was {$14000.00} dollars. As of XXXX XXXX, I had paid a total of {$18000.00}. XXXX XXXX responded to my concerns, and I acted in good faith upon his offer to accept a balance of {$11000.00} for the car. since the time I have raised this issue in XXXX XXXX, I have paid {$14000.00} dollars towards that {$11000.00} dollar balance.
12/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28412	Web
XXXX XXXX ( XXXXXXXX XXXXXXXX XXXX XXXX ) at the XXXX CarMax Dealership called me back after I initially talked to XXXX and asked for a supervisor on XX/XX/2022. XXXX and I discussed removing the GAP insurance from the account. First he tried to say that he needed the mileage but then after I provided it to him, XXXX said that it was not necessary and that he just needed the last XXXX of the XXXX number. During this time, I asked XXXX, how was this to be calculated. He advised me that a XXXX XXXX calculation of {$570.00} made it XXXX. I asked him where he got the percentage from but he was not able to fully explain the prorated percentage. He never mentioned a cancellation fee and never stated I needed to sign for the cancellation or for the unmentioned administration fee. XXXX stated that he could just complete it over the phone. I asked him for a follow up email for the GAP insurance removal with the calculation. Once I was able to review the email, I noticed on the attachment that I was charged an administration fee that I was not informed of, I did not consent to and did not sign for. The amount that would have been removed from the overall balance is {$340.00}. Instead, with the {$30.00} fee, it only removed {$310.00} from the overall account balance. My contention is that I have been charged a policy/service fee that is not congruent with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a policy or service fee should not be charged unless the following occurs : NCAC 4.0120 ( 1 ) ( 2 ) ( 3 ) states : " An agent, broker, or limited representative who deals directly with an applicant and who intends to charge a policy or service fee in accordance with G.S. 58-33-85 ( b ) shall not do so unless he complies with the following : ( 1 ) A sign that informs the applicant in large bold print that a policy or service fee of ( amount ) will be charged, shall be displayed in a prominent place so as to be seen and read from any part of the office lobby. ( 2 ) The applicants consent in writing is obtained on a separate form each time a policy or service fee is charged. The form shall be entitled, " Policy or Service Fee Consent '' and shall include the date and amount of each fee charged. ( 3 ) A dated receipt for the payment of a policy or service fee shall be issued either separately from the policy premium receipt or stated separately on the receipt issued for the policy premium. '' I was NOT provided with any of the aforementioned. The policy administration fee on the alleged initial GAP Insurance Agreement was NOT in big bold letters. The removal took place over the phone. I was not given a separate form entitled Policy or Service Fee Consent to give consent to be charged with any policy or service fees. I DID NOT sign any separate form at the time that policy or service admin fee was charged for it was done over the phone. I DID NOT READ OR AGREE to the terms on back of the Return Agreement because I did not read it and I did not sign the form for the process that occurred over the phone. I only agreed over the phone to have the GAP insurance removed. XXXX XXXX also DID NOT verbally inform me that I was charged any fee. The enclosed call log record made to Car Max Auto, the Car Max Auto Dealership ( XXXXXXXX XXXX XXXX XXXX, Car Max XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXX through which Car Max purchased the GAP policy from. I was given the runaround by each department and each company. Car Max refused to remove the fee and tried to state that XXXX is the one that charges the fee but I DID NOT have any direct interactions with XXXX when signing up for the GAP insurance or in the removal. XXXX advised that Car Max purchased the policy from them and then Car Max sells the policy to the consumer.
08/04/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90404	Web
This complaint is for the predatory lending by CarMax ( and it 's affiliated companies CarMax XXXX XXXX and XXXX ). The Lender, CarMax, sold me a bundled loan to finance the purchase of a car and an extended warranty on or about XXXX/XXXX/XXXX. 100 % of the cost of the car, extended warranty, taxes and fees, totaled {$49000.00}, were financed. The extended warranty covers the vehicle until XXXX total miles driven or XXXX/XXXX/XXXX whichever is reached first. I originally had no intention of taking out such a big loan to purchase a XXXX vehicle notorious for expensive repairs. However, I was duped into this loan believing that the Lender will cover the repairs under it 's XXXX warranty program, but the Lender failed to perform under the terms of the loan. While on my way to work on the morning of XXXX/XXXX/XXXX, a yellow " warning light '' came on indicating " coolant low '' with a message to `` drive moderately ''. I reduced driving speed, exited the freeway, and drove slowly to a XXXX certified auto shop nearby. The auto repair shop identified a failed water pump system and requested the claim from CarMax on my behalf. The claim was approved on that day and the repair was completed on XXXX/XXXX/XXXX. Once the water pump system was replaced, the shop was able to start the engine and test the vehicle for safe operation. It was at this time, the diagnostic showed the engine had failed along with the water pump. It was not diagnosed earlier due to a malfunctioned water pump system. When the auto shop requested approval for engine repair, the Lender denied the claim. The denial reason was that the engine failure was due overheating caused by owner 's negligence. That denial was disingenuous and malicious with intend to cause harm for the following reasons : 1 ) It is unreasonable for the Lender to automatically conclude the cause of engine failure was due to owner 's negligence over the phone without diagnose the failed engine. Lender asked that the owner ( me ) to pay for the labor cost ( ~ $ XXXX {$3000.00} ) to take apart the engine to individually inspect components that may have caused the failure, then prove the damage was not caused by the owner 's negligence, before the Lender will consider the claim ( not approve the claim ). Lender has absolutely no basis or evidence for owner 's negligence yet claim was denied. 2 ) Lender claimed engine failed due to over heating. It is impossible for lender to determine the cause of engine failure over the phone without physical inspection. The lender already conceded water pump system failure is covered under the warranty by approving that claim. Since the water pump system supplies coolant to the engine, if the engine overheated due to lack of coolant, it was caused by a failed component covered by the warranty, not by the owner 's failure to maintain adequate coolant level. Lender still has not established the cause of engine failure yet denying the claim for engine repair over the phone. 3 ) Lender denying claim accusing owner 's negligence. There is no way a Lender can conclusively determine that the engine overheat was due to owner negligence. The vehicle the Lender sold me, 2010 BMW 650ci, is not equipped with an engine temperature gauge for the driver. There is no way to monitor whether engine is over heating other than vehicle warning lights. No warning light of any kind on engine overheating or to stop driving ever came on. In fact, the caution light that came on was for " coolant low '' and to `` drive moderately '', which completely contradict the basis of the claim denial. The predatory lender is acting in bad faith in performing according to the terms of the loan. ref : CarMax Claim # XXXX ; Contract # is last XXXX digit of XXXX : XXXX
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80831	Web
I have contacted XXXX many times to try to resolve my issues. I recently filed another dispute to get items removed. I filed my recent dispute on XX/XX/XXXX. FTC report number XXXX. I was told by the rep they didn't want to accept the report because they couldn't verify the report number. Which is a stall tactic. XXXX is violating my rights as a consumer. I have asked for documentation used to verify the account and was told by numerous reps that none was taken, company just " certified '' it was accurate. I provided the documentation XXXX asked to dispute and remove the accounts. XXXX XXXX XXXX Acct # XXXX. Filed a complaint with the Attorney General 's Office. They have been provided all documents as got it thru myself and XXXX. FTC and Police reports were provided. This account remains but XXXX cant provide proof of debt or validation to keep it there. XXXX XXXX is in violation of FCRA as well Carmax # XXXX. This account was removed and blocked my XXXX. Carmax simply told XXXX it is valid and the account was placed back on my credit. XXXX failed to notify me to give me 5 days notice in writing it was being placed and why it was. I provided FTC report XXXX. XXXX again, failed to verify the account. Carmax did provide drivers license info, which did not belong to me, or match the previous loan that was closed by them in good standing 2 years prior. The drivers license info was not correct. The auto was purchased out of state. XXXX PD verified the car was insured thru XXXX at one time and to XXXX XXXX and XXXX XXXX Policy. XXXX said the car was a repo in XX/XX/XXXX. They said they felt it was my account. I then asked to see documents, as well as video from the person obtaining the loan in the XXXX store. I also asked since it was a repo, Colorado Law requires them to send notification that the car is up for auction, where its at, date and time, and amount needed to stop the same. I asked for that letter as well. I was told I wasn't able to get the information in writing or sent to me because I claimed fraud. The account is complete fraud, never owned this car. XXXX PD also verified that the person who registered the car was XXXX XXXX and used a credit card to do so. XXXX allows accounts to remain to be able to charge businesses for placement on credit. Carmax is in violation of FCRA and has no verifiable info to validate this debt. ID Theft is when someone has your info. In this case it was a person I knew and they were arrested in XXXX County, Colorado for fraud and theft. XXXX XXXX Services. XXXX XXXX was also provided a valid FTC report same as others accounts listed in this report. They were also sent a police report with verified the fraud. XXXX says they validated a fraud account with NO documentation. A person behind a computer clicking yes to verify is not VERIFYING AN ACCOUNT. XXXX was sued for not providing such information to the consumer XXXX rep told me in XX/XX/XXXX the account went bad when XXXX actually did as for proper documentation for the account and they requested Drivers License, and IRS tax returns. Those were not provided and they closed the account, after numerous fraud payments. When XXXX XXXX was arrested a card was in his possession. XXXX Police noted the fraud and it was sent to XXXX. XXXX just doesn't want to take a loss. XXXX, seems to have agents who don't understand the laws or the policies of its own company. You can call and get 3 different answers each time you call. XXXX is in violation of the FCRA and litigation against them will happen soon. They aren't holding businesses accountable because of profit. Consumers are reporting the fraud and giving all the documents they ask and its not good enough.
01/02/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30135	Web
- [ ] My business partner and I bought the car in XXXX North Carolina. We drive home to GA to find out that the car had so many problems, we broke down at the XXXX Carmax to fix the car. After long conversations with Carmax Corporate who instructs us to go to the XXXX Georgia location, and tricked us in to rebuying the same car with another fraudulent financing loan contract with a second Carmax auto finance account number contract signing to fit in the tag and title price in the contract which we were fraudulently told in North Carolina Carmax dealership that our tags and title were included into the loan and that we would be mailed our tags to the local XXXX dmv tag office. It was all a lie and we were stuck with a {$900.00} expired tag and title bill, the tags were never shipped by Carmax, the dealership made us assume responsibility. Carmax has two different car owner fraudulent loan account numbers open in our name for the same exact 1 XXXX XXXX XXXX car. We managed to payoff the car in its entirety, as you can see from the XXXX/XXXX/XXXX receipt but wasnt aware that Carmax would not notify or disclose to us that payoff update, us unable to be notified properly do to life changing events, like dealing with going to granddad passing away, New Breaks in our XXXX XXXX Business, And Homelessness, With Health issues in both of us. They heard how bad off we were and ended waiting over XXXX hrs just to sign papers and minor care to the car to get it running again, and we still ended up not being able to get a rental, the Carmax fraudulent inconvenience caused insurance to lapse, which came to us at the last moments of signing last papers. We are Legally Deemed XXXX by the Americans with Disabilities Act ( ADA ) And it was to our disadvantaged eager to leave cause we had to fax Dire Need Letter To XXXX. We were told to come by XXXX XXXX, XXXX for a check up, they actually said this is an attempt to collect a debt, and we argued that the car was paid off, but they ignored us, didnt check the car and sent us on our way. We found out that you MUST ask the appropriate question to start the payoff process finding the Original Account, and following procedure for the payoff process. They finally sent a XXXX XXXX XXXX but charged off over {$14000.00} while fraudulently subtracting and adding, crediting and returning over XXXX Times a month from XXXX XXXX to XXXX XXXX using invalid codes as forms up payments. This was not authorized by us and they stole the thousands of dollars they were trading back and forth on XXXX fraudulent Carmax loan accounts never emailing us, calling us, telling us in person nor mailing us any information or updates about our XXXX accounts with the constant adding and subtracting of account credits and refunds they kept doing in secret over and over on XXXX loan accounts, they locked us out in XXXX of having access to our Carmax car owner account. Carmax towed our payed off car away on XXXX XXXX, left us stranded with no food or water in the massive Georgia snow storm. Since then we have not been able to get to any doctors appointments and have lost any and all preplanned commissions wages jobs due to having no transportation. Carmax discharged the bogus {$14000.00} loan balance to our credit scores for a plenty of 7 years with repossession status on our credit files. Our livelihood, business reputation and lives our ruined forever due to Carmax being negligent and fraudulent. This was my first time buying a car at XXXX XXXX XXXX, I am throughly traumatized and sick with XXXX getting hospital treatments due to Carmax and Carmax forever ruined our future car buying endeavors by destroying our credit profiles.
10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35242	Web
Carmax XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX On XXXX XXXX, I talked with a carmax customer servicer. I asked what payment was needed to bring the account current. I was told if I paid {$400.00} on or before the XXXX which is my due, it would bring my account current. I also was told as long as I made a payment before the XXXX of each following month I would be within my 30 day grace period and would not be reported as late. OnXX/XX/XXXX I made a payment of {$350.00} and {$47.00}, and was told that my account was now current. XXXX, I made another {$400.00} payment for {$300.00} and {$95.00}. XXXX XXXX, I was charged a late fee of {$18.00}. which I couldnt understand since I was told that my account was current. I did not receive a late fee in XXXX and was making the payment before the XXXX of this month. XX/XX/XXXX a carmax representative called and asked did I want to make a payment and bring my account current. I explain to him that I was current and had spoken with several prior representatives in XXXX and XXXX that said my account was current. I explained to him I paid they said what was owed to bring my account current. I explained to him at this point that they were lying, misleading me and giving me false information. The representative apologized and assured me If I could make a payment of {$620.00} before the XX/XX/XXXX, my account would be current. Within two days I made a payment of {$270.00} and {$120.00} On XX/XX/XXXX and XXXX XX/XX/XXXX, I made a payment of {$220.00}. On XXXX. XXXX, I received another late fee. On XX/XX/XXXX, I paid {$370.00}. I was forced to pay XXXX late fee after being transferred and transferred over and over for an hour. No one could explain to me why I had a late fee. XX/XX/XXXX, I made a payment of {$350.00}. At this point I also asked could I talk with a supervisor so that I could inform them on the situation, because this was ridiculous and out of hand. I explain the situation and was told that I would get a call from a supervisor within the next 24 hours. I never received a phone call. On XX/XX/XXXX, I called back to explain the situation on what was going on with my account. I explain that a supervisor was suppose to call me back within 24 hours, but I never received that call. I asked for another supervisor, but was told one was not available at the moment. The representative apologize that this had been going on, but could not explain why it was going on. She told me that she saw all the times I had called in and paid and what she was adding up that the account was current. She stated that she could help by giving me a payment extension while they invested my account. I was told once extension went through, which it did on the same day, XX/XX/XXXX, that my account would be investigated by the department who investigates the cases. She also stated in the meantime they would have some of those late payments taken off my credit report. No one never followed up with me, I never got any forms in the mail to complete and return as I told I would have. I was also told several times when I called to check on the status of my account, that they were still working on it, or someone would contact me. No one never followed up with me. Carmax never removed the late charges as promised several times to me, nor did any supervisor or the department investing my account contacted me. Once they did the extension everything was swept under the carpet. The fraudulent late charges have remained on my credit and affecting my credit score and history for years.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30076	Web
To whom this may concern, Please see enclosed document from XXXX XXXX. I received a letter from XXXX XXXX stating the information you have placed on my personal credit profile wasnt and couldnt be verified by XXXX XXXX and has been removed from my personal credit profile. Who verified this FALSE information? Either this was an is an ERROR or a LIE a this must be REMOVED immediately. Also please place a FREEZE on my account Ive enclosed a copy of my Drivers License, social security card. Im writing you once again asking you to remove INACCURATE DEROGATORY items listed below of my personal credit profile ASAP! This is my final attempt I will be seeking legal action after the notice. 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX ( account was never late ). 3 ) XXXX XXXX XXXX XXXX XXXX ( account was never late ). 4 ) US Dept Of Education XXXX XXXX XXXX Carmax Auto Finance Inquiries : 1 ) XXXX XXXXl 2 ) XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX The inaccurate derogatory information listed above Im requesting be REMOVED ASAP. XXXX you have violated my rights for the past 2 years, as a citizen I have a RIGHT to have a public record, but as a CONSUMER congress gives me a right to and accuracy, fairness also privacy. 15USC1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
09/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30157	Web
I purchased ( XXXX yrs old XXXX XXXX XXXX in fair condition! with XXXX miles ) a vehicle from carmax in XXXX XXXX Ga. I wasnot aware that I was being charged an extremely high interest rates compared to other with similar credit scores.at the time. I was going on the advertise price and rate online. However I began receiving several offers to refinance my bad deal. Which made me look deeper into what was a reasonable offer for my purchase. After researching the value of the car. I feel like carmax financing department is unfairly charging more interest rates due to discriminatory and deceptive lending practices. They over valued the vehicle which is 8 years old. And also mislead me to think that the car was worth more than it actually was due to it being a XXXX.I am paying {$10000.00} in financed interest even though the car values is only work {$17000.00}. The lender charges me {$10000.00} interest with a {$3500.00} deposit. I am Also when I came in to see the vehicle I was told a different amount needed to put down. To get my payment at XXXX. I was forced to paid a XXXX deposit with no willingness to negotiate even though website showed a different prequalified offer. Also I was ridicule when I present the check like they didnt believe I actually had the money and was forced to show sales rep financing manager. My bank account information they made me login into my banking app and show the balance. Which I did show the account with the XXXX in my account. Then the manager began questioning saying that that didnt match the account which it did. I do think this is part of the reasons I was being charged a higher rate for financing. The company treated me like discriminatory in person treated me like I didnt have the money. Which I believe was discriminatory. I do believe if I was a different person with same score and credit score and never late history at the time of purchase I would have received a much better rate and price for the loan. Currently i have had the vehicle for 3 months now I have since had several refinance offers from other lenders pointing out that I am being overcharged for my vehicle purchase and to refinance my Bad deal. However since carmax lender process has ran my credit several times, ( and when I questioned carmax financial department ) they told me they have to run my credit every time!!! I want to test drive a vehicle? which caused my score to go down significantly. I am not able to refinance my loan at this point.my credit score dropped due to hard inquiries from car lenders I am trapped with the bad deal ( which the Lender intended to do ) now I am not able to get a better loan with the car on my credit and now I am stuck with paying XXXX for a car barely worth {$16000.00}. This is not fair. And has been proven by CFBa often the case with people of XXXX ; and also my situation at the current moment. I also want to mention when purchasing the vehicle I was ask what day wouldve worked for a payment due date. I clearly told the finance department after the XXXX. They made my payment due on the XXXX. Which was clearly stated that wouldnt be ideal due to my mortgage payment due as well. They assured me they would make payments due afterwards but did NOT making it even harder to cover my financial obligations in a timely manner.I called to see if they could change my payment date since it was only my second payment they would not work with me and told me I need to make 4 months of payments and charge me a late fee for paying on the XXXX. Which I asked for.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 66213	Web
On XXXX I received a notification from XXXX credit monitoring that a hard credit inquiry had been run through Carmax . The vehicle purchase was not authorized due to a discrepancy in documents, but the credit inquiry remains. XXXX I contacted Carmax and started the fraud dispute process. I received documents that were required to be filled out and returned. This was done per their request in order to remove the credit inquiry from my credit report. Process pending. XX/XX/21 - I contacted the XXXX XXXX Police Department in Kansas and opened an identity fraud case with XXXX XXXX. XXXX # XXXX. XXXX I received a soft credit inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The sale of a new XXXX XXXX was nearly approved prior to my call. The delivery of the vehicle was stopped and the dealership aware of the identity fraud. XXXX XXXX Police Department notified the same day. 2/8/21- Security freeze on my credit completed through XXXX , XXXX and XXXX . XXXX I received notification from XXXX of a credit inquiry from XXXX XXXX XXXX XXXX. I immediately called sales manager, XXXX. He advised that no sale had been approved as my credit was " frozen ''. XXXX XXXX Police Department updated immediately. Spoke with Detective XXXX XXXX I received a credit inquiry from XXXX XXXX XXXX . In XXXXXXXX XXXX. I immediately called the dealership and spoke with Finance Manager, XXXX XXXX. There was no sale approval due to my frozen credit. XXXX XXXX Police Department notified of attempted purchase. XXXX I received a credit inquiry from XXXX XXXX XXXX XXXX XXXX , MO . I called and spoke to XXXX in sales. My credit was frozen and therefore no sale or financing was approved. I was advised the suspects would be on video. I immediately called XXXX XXXX Police Department to advise of attempted financing. XXXX I received a phone call from the XXXX XXXX XXXX in XXXX XXXX , MO that someone was trying to establish service for electricity at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO. I advised this was not me and a fraud alert was placed on my account. I notified the XXXX XXXX Police Department of this activity. XXXX I received a credit inquiry for Carmax . I called the Carmax auto financing and let them know about my identity theft and the repeated attempt to run credit. They did not receive my original faxed documents for the fraud dispute case, I have been asked to re-fax. XXXX XXXX Police notified on XX/XX/21 to this activity under my open case file. XX/XX/21 I received a phone call from XXXX XXXXXXXX Police Department that they have 2 suspects in custody. I completed a police report at headquarters and was told many items, identifications and documents with my name were found in a file in an apartment that was leased in my name. I was directed to open a case with the FTC, Social Security Administration and the IRS regarding my identity theft case. Sargent XXXX, Detective XXXX XXXX and Sgt XXXX XXXX are all in frequent contact with me from the XXXX XXXX Police Department. They are collaborating with the detectives on my open case at XXXX XXXX XXXX Police Department. XXXX I contacted XXXX XXXX Police to update them to the apprehension of the suspects in XXXX XXXX , MO XXXX XX/XX/21. At this time I have not been made of any approved purchases or financing on my file. However, the hard credit inquiry from Carmax remains and 2 leases of apartments in the XXXX XXXX, MO area were noted by the XXXX XXXX Police Dept. Details are in the possession of the XXXX Police Dept.
01/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30102	Web
My Fianc and I went to XXXX N.C. to buy our XXXX XXXX XXXX XXXX XXXX, which was a no down payment, Sign and Drive. We completed the signing and proceeded to drive from there to XXXX, GA. When we get back there was issues with car, from the battery not charging well, water leaks from roof, and fuel injectors problems. We ended up broke down in front of The XXXX, GA, Carmax store to get it fixed but because of the problems we were having personally, and Physically, we fell into a serious slump having lost jobs, business deals going bad cause of missed appointments, cause the car was not driving, plus we became homeless. So we caught a break finally with between help with our familys cause we decided to get married, and our XXXX XXXX XXXX XXXX went really Well, so we decided to pay the car off using their online method of pay. Carmaxs Corporate told us that they would have us sign another contract for the same car, and account with the price of the Tag Registration in the contract since we didnt have the money for that and the back payment we had owed In the account, cause they was threatening to Repossess the car, before they decided to put the tag and registration price in the contract. We ended up paying for insurance on the car twice cause they canceled but had to pay for it unexpectedly, and still didnt leave with a rental cause the insurance didnt have rental insurance. They had us waiting for over 10 hrs, and they knew we was ready to go and trying to leave quickly, cause I asked to make copies of my Dyer need Letter I needed to send to my XXXX Lawyer, cause the Letter was stating my Homelessness, with a serious health condition. By the time we finished the signing the last pages, my fianc was shutdown and irritated. Then took a taxi to the room. Before we went we thought we had it paid the balance paid, and we was right. After the first repossession in XX/XX/XXXX, And got it back. It forced me to pay attention to the account number, and noticed it had changed. I did my research and found the original account to find out we had paid on the day we was signing another contract, but wasnt told we paid, with no congrats. We wasnt told we was getting another account, but was told that we didnt have to pay again til XX/XX/XXXX. XXXX told us months later that Carmax told them that they didnt have our contract anymore when our muffler went out, and said that when we bought the car, regardless of our Extended Warranty that cost more money to get. Also, When the print outs for our payment history became available, I noticed that as we tryed to pay Online and thought we was caught up on the payments for awhile, the computer was rejecting payments cause the balance was paid for, but they kept charging us as fast as we can pay. The whole CARMAX industry we in on the scam cause they kept sending notices of payments, and threatening to repossess the car again. They knew we needed the car, so they just kept taking and taking. We even had received check for overpaymenting. XXXX upload all documents, and a short video of a XXXX worker admitting bold face, rejecting what was obviously a lie. They wanted us to pay for the muffler that had broke. Carmax has a policy to protect each other as co-workers so they scam when they can, take advantage as much as possible, and they pray on the weak. They violated the US PATRIOT ACT by give us misinformation and Bulling, also violates the A.D.A. ( American Disability Act ) by knowing taking advantage of XXXX Americans.
07/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30349	Web
I, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Carmax Auto XXXX , XXXX and Carmax XXXX XXXX, XXXX d/b/a Carmax Auto Finance. I believe that these companies have violated consumer protection laws and engaged in deceptive, unfair, and fraudulent practices in relation to my vehicle purchase and financing. Background : On XX/XX/2021, I participated in an online vehicle purchase transaction with Carmax Auto XXXX , XXXX, a dealer located in Georgia. At the time of purchase, I was not aware of the relationship between Carmax Auto XXXX , XXXX and Carmax XXXX XXXX, XXXX, d/b/a Carmax Auto Finance. While I understood that Carmax XXXX XXXX XXXX was the lien holder, I had no knowledge of their affiliation with Carmax Auto Finance. Hidden Arbitration Fees : During the vehicle purchase process, I signed an installment contract electronically. Subsequently, I discovered that the contract included an arbitration provision. While the provision disclosed the requirement to review fees charged by the arbitrator, it failed to clearly disclose the specific amount associated with these arbitration fees. This lack of transparency and disclosure prevented me from making an informed decision regarding the affordability and reasonableness of the arbitration process. I believe that this action violates consumer protection laws, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act. Class Action Waiver : Furthermore, the contract contained a class action waiver provision, which effectively stripped me of my rights to participate in a class action lawsuit. However, the provision was not adequately disclosed or explained, and I was not given a reasonable opportunity to negotiate or provide informed consent. This action constitutes a deceptive and unfair practice, and may amount to fraud, as it misrepresents the rights and options available to consumers. Undisclosed Recalls : I was not provided with any information regarding recalls on the vehicle prior to signing the contract. This lack of disclosure violates the Georgia Lemon Law ( O.C.G.A. 10-1-780 et seq. ) and the federal Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ), which require the seller to disclose any known recalls to the buyer. It was only after taking possession of the vehicle and conducting a VIN lookup that I discovered an open safety recall. I promptly had the vehicle serviced to address the recall, but the failure to disclose this information prior to signing the contract constitutes a misrepresentation and fraud. Lack of Affiliation Disclosure : Additionally, I was not adequately informed of the relationship between Carmax Auto XXXX , XXXX and Carmax XXXX XXXX, XXXX, d/b/a Carmax Auto Finance. This lack of transparency and disclosure constitutes a deceptive practice, as it conceals relevant information about the parties involved in the transaction, thereby misleading consumers. Previous Complaints and Unwillingness to Resolve : I have already filed a complaint with the XXXX XXXX XXXX ( XXXX ) regarding this matter, but the issue remains unresolved. The companies have displayed an unwillingness to address and resolve the issue, which further indicates their fraudulent and deceptive intent. This ongoing refusal to engage in good-faith resolution demonstrates their disregard for consumer rights and obligations.
04/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 490XX	Web
On XX/XX/XXXX, and XX/XX/XXXX Carmax sent a third party to my home to take my personal property, identified by the VIN number, without my consent or prior notification. When I asked the third party to release my property, they refused and hurriedly took it, breaching the peace. This action directly violates the Dodd Frank Act, the Consumer Protection Act, and the US Constitution. The fact that they arrived at XXXX XXXX adds to their deceptive behavior. They had no judicial order, and the local police were not informed. Carmax violated my rights under 15 USC 6802 when they procured a third party and disclosed my personal information to them. Unless the consumer gives prior consent to the debt collector, or the court gives express permission, or it is reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector can not communicate, in connection with the collection of any debt, with anyone other than the consumer, their attorney, a consumer reporting agency, the creditor, the creditor 's attorney, or the debt collector 's attorney, as provided in section 1692b of this title. Carmax received a payment of {$500.00}, and I believed that my account was current and updated. I had also sent them an intent-to-sue letter prior to their issuance of a repossession order, but they ignored my attempt to resolve the matter outside of court. Instead, they chose to commit larceny by conversion, a Class A misdemeanor, by knowingly and intentionally exerting unauthorized control over my property. In addition, they continued violating my rights knowingly and willingly under 15 USC Chapter 41, Subchapter V : Debt Collection Practices 1692 ( a ) ( c ) ( e ) ( 6 ) ( e ) Purposes. The purpose of this subchapter is to eliminate abusive debt collection practices by debt collectors, ensure that those who refrain from using such practices are not competitively disadvantaged, and promote consistent state action to protect consumers against debt collection abuses. Carmax took or threatened to take nonjudicial action to effect dispossession or disablement of my property without any present right to possession or intention to take possession, in violation of 15 USC 1692f ( 6 ). According to 15 USC 1601, Carmax should have notified me after receiving my payment that I was still in default and that the amount received would not cure any defaults. They were to issue a notice informing me that I needed to cure the default. However, Carmax did not provide a full, proper, and immediate notice upon receipt of my payment. No notice was given to me, even though Carmax accepted my payment on XX/XX/XXXX, which I believed brought the account current. Carmax claims that my payment was only a partial payment and that I still owed a previous balance, including late fees. Additionally, they claim that I owe late fees on the late fees I already paid, which is a violation of 12 CFR 102.636 ( c ) ( b ) ( iii ) 2. Carmax has violated my rights on three occasions by hiring a third party to take possession of my property without any judicial involvement, despite my repeated requests for them to stop their deceptive debt collection practices. They collected from me outrageous fees that had to be paid to the third party towing agency and Carmax. I am seeking a refund of all monies paid and will pursue the third party agency that took part in the conversion of my property.
05/26/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OR 97045	Web
I am a co-signer of a car loan my sister took out with the CarMax corporation for a XXXX XXXX XXXX, XXXX : XXXX. On XX/XX/XXXX at around XXXXXXXX XXXX. PST my sister paid a car payment through the app ( see attachment " CarMax Receipt Of Payment XX/XX/XXXX, XXXX '' for Confirmation Number and amount paid ). This is the payment DATE that both the smartphone apps and our invoices said her payment was due by. No payment TIME ( e.g., XXXX PST ) was specified in written form -- either in the App, App Terms of Conditions, Invoices, Website, Contract we signed, etc. ( see relevant attachments : CarMax App Payment Date ( No Time ) XXXX, CarMax Online Account XXXX XXXX XXXX CarMaxXXXX XXXX On XX/XX/XXXX, my credit report showed that there was a missed payment and that CarMax had reported to the credit agency that a payment was missed for the car loan ( see XXXX Showing Missed Payment Report From XXXX ). After my sister and I both called that day, they informed us that their credit processors are on Eastern Time and so the payment TIME was missed. My sister filed a dispute XX/XX/XXXX or XX/XX/XXXX with XXXX. After a couple or few days later I also called and filed a dispute through CarMax 's hotline. Both disputes were denied, citing that CarMax said the information they reported of the missed payment and due DATE were correct. Interestingly to note, however, is that in the XXXX report ( Attached as XXXX ) in the " Results of Our Investigation '' table, it says that the payment amount was required XX/XX/XXXX of {$330.00} and the actual payment amount was XX/XX/XXXX of {$340.00} and the " Date of 1st Delinquency '' column is empty in the row, which all sums to indicate that there should be no delinquency, despite them still claiming in the column XX/XX/XXXX in the " Historical Account Information '' table that there was an amount past due ( likely because CarMax did not specify a TIME the payment processed ). On XX/XX/XXXX, I called Carmax 's Credit Maintenance Department at XXXX for one last try to not escalate things further to other agencies and see if they would resolve the misreporting. On this call they claimed again the time was on the invoice but, after some investigations and being put on hold multiple times, they could not find it there or in any other documentation. The only thing they could say was that my sister was told to pay on the payment DATE whenever she called in, was not told a time, and that they wait until the close of the business day ( which is eastern time, though they say this nowhere ). They said that they would not resolve the issue or write me any document declaring they do not specify a time, as they did not have the power to do that as their legal team had drafted all the documentation and therefore inferred I would have to escalate the issue on my own if I wanted it to be remedied. Since the TIME was not specified for when the payment was due, I do not believe it is legal or fair for CarMax to report that the payment was missed. This inaccuracy costs me and my sister both a fair amount of money when considering buying a house using a mortgage, pursuing other credit offers, etc. as well as time involved trying to fix this. We have tried every avenue with CarMax for them to resolve the issue, but they are unwilling to do so, which compels us to report to other agencies and hope for a resolution that way.
06/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61350	Web
I have been in contact with CarMax and XXXX regarding the CarMax trade line on my XXXX credit report. I was given phone numbers for someone at CarMax but they haven't returned my calls. It's like they refuse to speak with me. I feel like CarMax and XXXX are malicious reporting this account. After my initial complaint with the CFPB, I noticed that the CarMax account had been deleted on XX/XX/XXXX, from my XXXX report. XXXX weeks later, the CarMax account reappeared on my XXXX credit report on XX/XX/XXXX. This lowered my XXXX XXXX XXXX by over XXXX points in just two weeks with no other changes in my XXXX credit report. They did not notify me that they were putting it back on. It is my understanding that if an account is added back into your credit report that I am to receive notice within 5 days per FCRA laws. XXXX has not informed me of this. Also, when they re-reported it, they took all the payment history away except for the last two years. This account is over XXXX XXXX XXXX ( and should be deleted immediately ). They also have the last payment date wrong, the charge off amount wrong, and " Delinquency First Reported '' date. CarMax has NOT proven that I owe the amount of {$9300.00} with all the documents that they have sent me. The Deficiency Balance is listed as {$9900.00}. They list the balance on my XXXX credit report as {$9300.00}. So which is it? There is no closed date on my report either. I have attached a copy of the current copy of my XXXX credit report showing the CarMax account so that you could review it. Also, they had the balance on my XXXX, XXXX credit report as {$7300.00}. From XXXX of XXXX to XXXX of XXXX, they were not reporting a balance ( {$0.00} ). Then the balance went from {$0.00} to {$7300.00} in XXXX of XXXX. Then in XXXX of XXXX, the balance went to {$9300.00} with no explanation. I have attached a copy of how this account looked on my XXXX credit report for your review. This was after I had originally disputed it. When looking at that, I noticed that the " Last Payment Date '' was XXXX of XXXX. On my XXXX current report, it shows my " Last Payment Date '' was XXXX of XXXX. According to the payment history that CarMax provided to me, the last day I made a payment was on XX/XX/XXXX, which was actually due on XX/XX/XXXX. According to the payment history, it shows that I was 30 days late in XX/XX/XXXX, and was never brought current. My current XXXX credit report shows the " Date of First Delinquency '' as XX/XX/XXXX. This is incorrect information and they are re-aging this account. It is a violation of the Fair Credit Reporting Act. I am noticing other information that is incorrect too -- such as the charge off amount. The second page of the statement provided to me by CarMax shows the amount of {$12000.00} on XX/XX/XXXX. But my credit report, they have the amount of {$14000.00}. The original loan amount was {$14000.00}. This is inaccurate information, too. Another violation of the FCRA. It seems like each time I disputed this account ( many times since XXXX of XXXX ), they updated this account with the wrong information. I keep telling them what is wrong and they fail to either correct or delete the information. CarMax refuses to return my phone calls and XXXX refuses to do a proper investigation.
06/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30291	Web	Servicemember
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date, you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful noncompliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {XXXX}, Payment : {XXXX}, Issue : On XX/XX/XXXX, the World Health Organization designated XXXX as a pandemic. In a short period, in the US, over 6,223 cases and over 100 deaths have been reported. Many companies and schools have closed due to XXXX cases or exposures. I have suffered a substantial loss of income related to XXXX. Unfortunately, my loss of income will negatively affect my ability to timely pay my car payment in full. Please let me know if you will waive late fees and accept partial auto loan payments. I understand that your temporary acceptance does not waive your rights or remedies. Please know that I intend to make up any payment difference within 90 days or less. Please refrain from any negative credit reporting during this limited hardship period. It is my hope that I am able to supplement my income to get my payments current. In light of this, please do not proceed in any repossession actions due to any default. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. Should you continue to operate with complete disregard for the law, I intend to seek redress in a civil action for recovery of damages, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under the law from you. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
06/29/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30501	Web
I reviewed my credit report and found an auto loan issued by CarMax Auto Finance, XXXX XXXX XXXX, XXXX, VA XXXX list. I do not have a car or loan with this company. I did accompany a friend to the CarMax dealership and he purchased a truck. At that time, the dealership indicated he ( XXXX XXXX ) was buying a car. They had me sign some paperwork. But I do not know what I signed and they did not provide me with documentation. I was approximately XXXX year old ' working XXXX. My income was sufficient to pay my own bills, but not someone else 's. The salesman indicated I would not be responsible for XXXX 's car payment. They just needed someone to vouch for him that had good credit. I live at home and have no " real '' assets. I am upset about this incident. I did not intend to or realize I would be liable for this debt or it would reflect on my credit report. I was pressured by the Saleman and XXXX XXXX. At the end, I really do not have any idea what I did. The dealer did not provide any information for me to keep. How can someone understand their obligation and responsibility if a company does not provide the information. They just kept telling me to " sign here '', etc ... I do not have an account number for XXXX XXXX 's loan. I do not believe the loan has been past due. However, neither the bank or the dealership has since communicated with me regarding the status of the loan. This is an unfair and deceptive act on the part of the salesman and the bank. If XXXX XXXX was not qualified for the credit, he should have been denied. The lender should not have insisted ( on the spot ) that I sign documents to support his loan. This has placed me in an aweful position as a young female. I do not believe the Car salesman would have treated a male " friend '' in the same manner. If XXXX XXXX needed someone else on his loan, the lender should have required someone with an income that would support XXXX 's payment and their own credit obligations. the bank should have required someone with sufficient savings or other assets to cover the loan. An unrelated-person should not be permitted ( or in this case ... pushed ) into a contract with another person. I did not understand the position the lender was placing me in when they asked me to sign documents that I did not understand. I did not agree and did not understand I would be responsible for this debt or the credit would show up on my credit report. Because neither the salesman or the bank provided me with documentation of the contract and other documents related to this transaction. I should be released from all obligations and the credit reported on my credit report should be removed. How can someone be held responsible for a contract if they were never provided copies of the contract or provided the opportunity to read and understand the documents/ situation. I have been bullied and harassed into this situation. The practices of CarMax and the salesman are unethical, unfair, and deceptive. I bet the salesman would be very upset if someone did this to their daughter or spouse. Please help me resolve this nightmare. thanks.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75075	Web
On XXXX-22, I requested information about a vehicle on carmax. On XXXX-22 a lady name XXXX contacted me on XXXX22 at XXXX AM. This carmax is located in XXXX TX on XXXX XXXX XXXX XXXX. XXXX reported the vehicle that I was interested in is a work truck ( XXXX XXXX pick up truck ) XXXX reported Carmax have several pick up trucks but was not located in XXXX. She went on to reported they have another XXXX ( XXXX ) truck that was in route, but unsure when the truck will arrive. She went on to state they have other trucks at different locations but will be charged a transportation fee from XXXX dollars just to get the truck to the XXXX office XXXX We also talked about me and my husband driving to the location to avoid the fee. I told XXXX we are not impressed with the XXXX XXXX pick up truck and wanted to think about what we wanted to do. She went on to say congratulation on being pre approved with XXXX XXXX XXXX. I said how can you get pre approved if you have no ran my credit. She went on to say you are not approved just yet because we have not ran your credit. I went on to say we need to think about what we want to do. XXXX responded and said we can not run your credit with out a car. She said you will need to select a car for that deal. Without a car credit is not ran. I told XXXX I will get back with her once we make a decision on what we wanted to do. I received a text from XXXX on XXXX-22 that stated " Hi XXXX, this is XXXX from CarMax. We received the decisions for your recent pre approval application. I'll be calling you in a few minutes to go over those results. '' She sent me XXXX pictures of the rXXXX XXXX work truck that I told her I did not want. I sent her a message saying ok, I thought we were waiting to make a decision before my credit was ran, you guys ran my credit? I immediately called the number where XXXX called and texted me from XXXX. Initially, call did not go through. I called back again and a receptionist answer the call and stated she did not know who XXXX was. She put me on hold for 1 hour and did not return back to the call. Called back again and asked to speak to a sales manager and was put on hold again and call was disconnected. Call back again on XXXX-22 at 2 PM and a rude man answered the called and asked why I needed to speak with a sales manager and I said about a situation that I have with a young lady name XXXX. This person would not transfer me to a sales manager. This person put me on hold and the call was disconnected. I believe I was scammed by Carmax. I believe XXXX is a code name. This person name XXXX ran my credit without my consent. She told me she was not going to run my credit until I found the truck that I wanted. She said she could not put a deal together without a vehicle. CarMax is scheming on incident people and running their credit without consent. How I found out my credit was ran because I received several alerts my from different banks my credit file was ran. I have attempted numerous times trying to get this matter resolved with Carmax but was not successful. Also, I never received a call from XXXX.
11/19/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA 98201	Web
I called into Carmax Auto Finance in XX/XX/2020, to notify them that I was still being impacted financially by the loss of employment/income in relation to the Covid-19 pandemic. I had already missed my XXXX car payment and was looking for options. My only source of income was unemployment which was {$800.00} a month before tax deductions. My car payment was half of that plus some and it was simply not practical to keep my vehicle knowing that the car payment was eating up the only flow of funds coming into the household. Clearly I had rent, heating costs, food, toiletries, phone bill, and a list of other bills like every other American whose been financially impacted. I was scared, stressed and holding faith that a job would come through ASAP or a miracle loan from someone.Thats all I could do was hope and believe in a miracle. I had asked if I could pay interest only and defer my principal payment portion. I was told no. I asked you f I could defer payments all together and I was told no because I had one already this year. Carmax allowed 1 a year it seems. I understand that policy under normal circumstances. Not under a national pandemic with uncertainty, fear & stress of everyone that has a car loan ; whose been financially impacted are unable to pay their car payment. How long can this go on!? Eventually you will have to give back your vehicle ( which creates another disruption in relation to getting a new job and the transportation necessary to get to & from a job ). Carmax couldnt do a thing for me. I was upfront and honest with them. I asked for help, support, options, and I was not once supported, given any options nor was my situation as a consumer, US tax paying citizen and customer of Carmax ; taken seriously. Not a single suggestions, considerations to my requests or willingness to work with me. I was told to try and make whatever payments I could and reminded that they do report to the credit bureau after 30 days late payment or no payment received. I couldnt believe this. After everything, Im reminded that they will report me to the credit bureau as a delinquent payment status. So now Im looking at that ripple affect on my credit. I dont want to get farther behind nor have a repossession on my credit. Ive decided I must sell my car of 4 years to a dealer that will offer me the loan amount. XXXX pay off the car loan and not have a vehicle anymore. Thats the best I can do. Plus to add more stress, they call daily as if they dont know whats going on. Im not just choosing to not make a car payment when I can afford to .... sheesh. Im not making a car payment because I can not afford to. Ive called and my situation has been explained and recorded by them. So why still call and bully me. Its a cruel tactic knowing my situation. I no longer want to do business with anything be whose manner of business justifies no humanity, kindness and grace towards their customers during a traumatic national crisis. well. Something needs to be done. Thank you. Appreciatively XXXX
08/30/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 11691	Web
To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against CARMAX AUTO FINANCE and the consumer reporting agencies, XXXX and XXXX, for inaccurately furnishing information regarding my account, which has resulted in severe damage to my character, reputation, and way of life. This inaccurate reporting has also adversely affected my ability to obtain credit for personal and household needs. On my credit report, CARMAX AUTO FINANCE reports an account balance of {$5000.00} with a status of 'Derogatory ' and 'Charged-off '. This is perplexing because a charged-off account should not have an outstanding balance. Additionally, there is a discrepancy in the dates of the last payment reported by XXXX and XXXX. XXXX reports the last payment as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Furthermore, the last reported dates on XXXX and XXXX do not match, even after my report was updated. XXXX now shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. As per 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data they provide to consumer reporting agencies. It is unlawful to furnish information if the furnisher knows or has reason to believe that the information is incorrect. Once notified of inaccuracies by the consumer, the furnisher is prohibited from continuing to provide that erroneous data. The IRS guidelines clearly denote that a charge-off is classified as gross ordinary income, which is not reported on consumer reports. Therefore, portraying this account as a debt is fundamentally flawed and inaccurate. In the case of Adams v. Equifax Information Services, XXXX, XXXX was sued for inaccurately furnishing information to consumer reporting agencies. The plaintiffs alleged that XXXX violated the Fair Credit Reporting Act ( FCRA ) by failing to maintain reasonable procedures to ensure the accuracy of credit reports and failing to conduct proper investigations of disputed information. This case underscores the importance of accurate reporting and the legal responsibility that agencies have to ensure the veracity of their reports. By continuing to furnish inaccurate information, XXXX and XXXX are putting themselves at risk of similar legal consequences. In light of the above, I urge CARMAX AUTO FINANCE, XXXX, and XXXX to rectify the inaccuracies immediately and cease the furnishing of any further erroneous information. This negligence has caused substantial harm to my family and me. This letter serves as a final warning and an opportunity for the mentioned parties to address and correct these inaccuracies. I expect a detailed response within 30 days, outlining the corrective actions undertaken. If the current reporting is upheld, a thorough justification, referencing specific sections of the FCRA or other applicable statutes, is mandated. Your urgent attention to this pressing matter is anticipated. This letter has been cc'ed to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General. Sincerely, XXXX XXXX XXXX
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28227	Web
XXXXXXXX XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXXXXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CARMAX AUTO FINANCE {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL XXXXX	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 319XX	Web
Thank you for the opportunity to explain the late payments and issues on my credit report. In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, GA for my daughter. From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her NFCU account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses. So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXX VA branch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in GA. I have been working with the police in both GA and VA to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
07/18/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	SC 290XX	Web	Servicemember
Good morning. I am reaching out to you for help concerning my car loan. I purchased a XX/XX/XXXX XXXX XXXX for {$17000.00} on XX/XX/XXXX. On XX/XX/XXXX, I was in an accident that resulted in a total loss of my vehicle and the driver at fault not having insurance. My insurance company valued my car at {$11000.00} and sent the playoff check for that amount. In the meantime, I was asked if I had gap insurance. Of course I am covered ... ..or so I thought. According to the customer service representative ( XXXX ), CarMax does not offer Gap insurance in the state of SC nay longer. I was unaware of this issue. I thought at the time that I had the proper insurance amounts to cover any losses to my vehicle, even though I was not expecting it. According to my credit union, it is mandatory for most lending institutions to in order to loan money on a car. I bought a new car recently from a dealership in XXXX, SC and the first thing they offered was Gap insurance. While I was not sold gap insurance, the CarMax warranty was pushed really hard, of which I did purchase. I had logged in to my account to make sure the insurance had sent the payoff, and I saw that the insurance check had been posted, my account was closed and I had a XXXX balance. The next week, I logged back in because I have another car with CarMax Financial and I was going to make a payment, and I see my previous account has been reopened with a {$2800.00} balance. I called in to see how this happened and I was told that someone had accidentally applied the balance to my account, closed it out, and then it had to be reversed. The car is gone. It is totaled. It was the responsibility of CarMax to make sure they at least offered Gap insurance. In the state of SC, it is not an option. This has really caused a lot of anxiety for me. Not to mention, a month after that accident, someone ran a red light, t-boned my husband and I at 70 mph and put us both in the hospital. It resulted in XXXX XXXX for me, a XXXX XXXX ( that lead to his employer terminating him ) and a XXXX XXXX. Even if I agreed to the {$2800.00} balance, I do not have the means to pay it until we are all healed and back on our feet. I have the information showing where the loan was closed, so I have sent that in to the credit bureaus. However, there needs to be measures put into place to force CarMax to give the customer an option on Gap insurance in the state of SC so that this does not happen to anyone else. I have reached out to the corporate office at car max, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, with no resolution. I had customer service call me and offer me a payment plan. They are also continuing to charge interest on the balance! There is no car to repo. It needs to be waived because this was a fault on CarMax, not on me. Thank you, XXXX XXXX
09/24/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20646	Web
I am a Carmax customer who purchased a vehicle from their XXXX, Maryland store in XXXX of XXXX. I also financed my vehicle through Carmax XXXX XXXX at that time. On XX/XX/XXXX, I visited the XXXX store to make my car payment and was told there was an issue with the credit card processor after swiping my card for payment. I logged into my bank account and verified that the payment had indeed come out of my bank account, showed proof of the payment to the XXXX XXXX representative handling my payment, and was told I was good to go. Two to three weeks later, I began receiving collection phone calls from Carmax XXXX XXXX several times a day, claiming that I had failed to make payment for the month, despite having explained what had happened to each Carmax associate who called. After verifying with my bank that the payment made on XX/XX/XXXX at the XXXX store had in fact posted as a final charge, and hadnt been returned to my bank by Carmax XXXX XXXX, I provided this information in addition to bank statements to prove that the payment has been made on time. Over the next few weeks, I continued to receive collection calls, even though Id taken copies of my full bank statement to the XXXX store as instructed, faxed Carmax XXXX XXXX these documents and screenshots of the payment screen provided by the Business Office at the XXXX store as instructed, and spoken with numerous Carmax XXXX XXXX associates along the way on everything that had transpired. Since XXXX of this year, I have been dealing with this horrible ordeal and JUST received resolution today, XX/XX/XXXX. As a result of Carmaxs mishandling of my information, failure to follow appropriate processes for troubleshooting and remediating the error, and system glitches at the XXXX store, my credit score has dropped XXXX points. After receiving proof of payment documentation, Carmax XXXX XXXX STILL managed to report a delinquent payment history to the credit bureaus. Soon after, I received notification of a flag on my credit report and immediately contacted Carmax XXXX XXXX to beg them to fix the issue to avoid any further negative reporting. That was not done. Carmax issued a refund for my XX/XX/XXXX payment in late XXXX and informed me that as soon as I made the payment again, the funds would immediately be applied to my account and the payment would be backdated to the date I made the payment at the XXXX store, XX/XX/XXXX. That also did not happen. I found out, just last week, that Carmax XXXX XXXX had also failed to backdate the payment to XXXX with their internal Accounting team, thereby triggering the automated system to send a negative report to the credit bureaus that my account was delinquent and past due, thereby causing my score to drop by XXXX points.
02/26/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 23225	Web
I am in the process of trying to refinance an existing car loan on a car purchased from Carmax, Financed through Carmax Auto Finance. The purchase of the car included an extended service warranty provided by Carmax through their 3rd party warranty provider XXXX XXXX XXXX. I inquired through Carmax 's call center if refinancing away from Carmax Auto Finance would void said warranty. One associate confirmed it would void the warranty and another stated it would not. Given that situation, I feel it is reasonable and prudent to confirm, in writing, whether refinancing will void my warranty or not. It should not void the warranty as I believe that would be in violation of anti tying regulations. I then emailed the exact message below to Carmax, they refused to respond in writing citing it was against the law to respond to a customer in writing and they dont have the ability to do so. ( I spoke to associate at approximately XXXX on XX/XX/XXXX @ XXXX XXXX XXXX - she confirmed an email response was not possible. I can provide specific name and extension if absolutely required. Would prefer not to directly implicate any specific associates who may be unfairly treated internally. ) Please see the email below which was sent to Carmax on XX/XX/XXXX, they've refused to provide a response in writing. ____ Hi Carmax- Good Afternoon I have an existing Carmax loan ( Contract # XXXX, Date of Sale XX/XX/XXXX ) which I am considering refinancing. Before I refinance my loan, I want to confirm that refinancing will not impact my XXXX XXXX XXXX executed under Customer No. XXXX, Contract # XXXX, purchased on XX/XX/XXXX. Please confirm that this XXXX XXXX Contract will not be voided or otherwise impacted by the refinancing of my loan. In your response, please confirm that you are authorized to provide this information taking into account the loan is offered through Carmax Auto Finance and the Warranty is offered through XXXX XXXX XXXX. Should mechanical issues arise, I don't want to be put in a situation where one entity is disclaiming liability because another third party should have been involved in confirming impact to the warranty. If those entities need to be party to this information or decision, I would ask that appropriate steps be taken to include them. Thanks and regards, XXXX XXXX The remedy I am seeking through the CFPB is to have Carmax address my request in writing for my records given incorrect information was provided verbally by their call center ( initially ). I feel it is reasonable and prudent for me to receive confirmation ( in writing ) of impact to my warranty as a result of my choice to obtain more favorable financing terms away from Carmax Auto Finance.
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TN 37212	Web
In XXXX I purchased my third car from Carmax on XX/XX/2021. I used the carmax financing and set up my automatic payments as soon as I could to avoid any late penalties and because I make it a point to always set up auto pay on all of my bills and payments. I have never been late or missed any payments on any bills and I pride myself on this. Im attaching the email confirming that I did sign up for autopay on XXXX XX/XX/2021. My first payment was due on XX/XX/XXXX but I wanted to make sure it was all set up and good to go ahead of time. The confirmation I received said I was enrolled. If there was a problem with the routing or account number I should not have received an email saying I was enrolled. That is a system error and it should not have accepted my routing and account number if something was wrong with it. We bought the van to travel to California for the months of XXXX and XXXX. While there, I got XXXX and suffered a XXXX. I was not getting my mail from XXXX but on XX/XX/XXXX I got an email notification that the payment didnt process so I called carmax and talked to someone. If you listen back to the conversation you can hear me asking if anything was wrong and if the payment would go through. They said they couldnt tell exactly but it should be fine. Again, this is a system error, they should have said no it is not processing, we will take your payment now by phone so it will not be considered late and you need to enroll again. There was much going on at this time and I left it at that. Sometime in mid XXXX a friend of mine sent me my mail from XXXX and it included a notice saying my account was overdue and it would be reported to the credit bureaus. I called carmax immediately and they told me they would forward on my situation, because it was their mistake, how they could see I tried to enroll in auto payments on XX/XX/XXXX but must have entered the numbers in wrong or some small glitch like that. I then re-enrolled in the auto payments and it went through. They said the error was called unable to locate and should not be a problem. They even waived a late fee because they knew it was an honest mistake. However I was grieved when I got a letter in the mail saying carmax auto financing would not reverse its decision to report this as a late payment to the credit bureaus. Please consider all that I am providing as evidence that my absolute intention was to make my payments in time, I enrolled in auto payments ahead of time just to be safe, I called to follow up when I was notified the first payment was not going through, the person on the phone assured me it should be fine.
07/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA XXXXX	Web	Servicemember
CarMax Auto Attn : Customer Relations XXXX XXXX XXXX XXXX, GA XXXX Subject : Victim of Identity Theft - Unauthorized Auto Loan Application Dear Sir/Madam, I am writing this letter to bring to your attention a case of identity theft that has recently occurred and involves CarMax Auto. It has come to my attention that an individual has fraudulently attempted to open an automotive loan under my name without my knowledge or consent. This incident serves as a distressing reminder that such occurrences are not uncommon, as I have experienced similar fraudulent activities in the past. I want to express my disappointment and serious concern about the gross negligence that has allowed this fraudulent activity to take place. It is essential for CarMax Auto to prioritize the protection of its customers ' personal information and financial well-being. As a reputable automotive company, I would expect CarMax Auto to implement stringent security measures to ensure the prevention of identity theft-related issues and unauthorized loan applications. Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( XXXX ), I have the legal right to be protected from fraudulent activities and to have inaccurately reported information promptly corrected. I kindly request that CarMax Auto takes immediate steps to rectify this situation by : 1. Conducting an investigation into the fraudulent auto loan application that has been made in my name ; 2. Removing the unauthorized loan application from my credit report, preventing any negative impact on my creditworthiness ; and 3. Strengthening security protocols and procedures to safeguard customers ' personal information and prevent identity theft in the future. I believe that CarMax Auto recognizes the seriousness of identity theft and its implications. I have already taken proactive steps to report this incident to the Federal Trade Commission ( FTC ), and I intend to cooperate fully in their investigation. I urge you to rectify this situation without any further delay, as the damage caused by identity theft can be extensive and long-lasting. I trust that CarMax Auto will handle this matter promptly and responsibly, demonstrating its commitment to protecting its customers ' financial interests. Should you require any additional information or documentation from me to facilitate the resolution of this matter, please do not hesitate to contact me at the phone number or email address provided above. I will eagerly await your prompt response and the actions taken to rectify this unfortunate situation. Sincerely, XXXX XXXX
11/23/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29445	Web	Servicemember
I have been unable to work and receiving unemployment through no fault of my own during this Globel Pandemic COVID-19 Disaster emergency like all other consumers struggling right now while we watch all of our leaders that work for us that are supposed to be helping us during this time by providing Federal Stimulus Emergency Funding but are too consumed with filing lawsuits at the moment since ever since they came back from their month long vacations that we pay for. While america cars get repossessed and house get repossessed by Financial Institutions like CARMAX We do have CARES ACT Policy supposed to protect consumers against car loan financial institutions like CARMAX Who cowardly came and stole my vehicle from me and my children in the middle of the night like thieves, no waring, no emails only unnecessary harassing daily phone calls by nasty customer service agents that you just gave them a payment 2 weeks ago. I have been paying what I can from my small unemployment check I am supposed to be feeding my kids with. It's not like they have not received any Payments at all in 3 months? How is this legal and allowed to take place during this Pandemic? Consumer Financial Protection Bureau and the Care Act Laws and policy in place during COVID-19 to receive credit reporting protection and repossession protection for consumers against this poor treatment from these greedy Car Financial institutions like CARMAX who has been forced to close half of their car dealerships and are filing for bankruptcy. They are Closed to speak with consumers on Sundays so we could not speak with anyone for after our hours emergency situations and could not get any answers from calling an actually CARMAX Dealership, We were just told sorry we can't help you call back tomorrow. This felt like we're operating in a third world country not in this century. Honestly, I was so blindsided by this whole thing because of their agreement to work with me during this difficult time, so my children and I were unable to drive to get any essentials all day on Sunday XX/XX/XXXXXXXX before XXXX Holiday. My vehicle is full of very important paperwork and information that I need in my possession ASAP. My family and I have been so upset all day and can not believe we have been treated like this by CARMAX During this difficult time COVID-19. The Consumers have rights and Protection Required by the Care Act Amendments Policy in Place to the FCRA The vehicle information is XXXX XXXX XXXX XXXX VIN # XXXX five year old car Retail value for five year old car not much value needs repairs
08/01/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL XXXXX	Web
I am requesting assistance in removing a negative tradeline from my three major credit bureau reports from Carmax Auto Finance. In XX/XX/XXXX I was a cosigner on a vehicle purchased by my then wife. We separated in XX/XX/XXXX and she was awarded the vehicle in the settlement. I retained no ownership and no longer had access to the vehicle or any accounts related to it. In XX/XX/XXXX I attempted to purchase my own vehicle only to be denied and to learn that the reason was because the Carmax loan had been paid 30-60 days late many times over the last few years and was currently 30 days late as well. Upon learning this, I contacted Carmax and discovered that I had never been removed from the account after the settlement awarding the vehicle to my wife. I requested to be removed, but they stated that they could n't do that while the account was still open. I immediately paid off the loan myself in order to resolve the issue. Once it was closed, I again requested to be removed, but was then told that it was not possible as the account was already closed. I then requested that the negative tradeline be removed from my reports as I was not the owner of vehicle, nor was I ever made aware that the payments were n't being made on time. Carmax stated that it is not their policy to remove items from credit reports. I have made this request several times, as recently as XX/XX/XXXX as the negative reporting continues to cripple my own credit even though I do not own the vehicle. I am submitting this complaint under the Fair Credit Reporting Act which requires that before any negative items are placed on a consumer credit report, the creditor must notify the consumer. I never received any phone calls or letters or any correspondence from CarMax regarding this account. I was never informed that it was late, nor that any negative items would be put on my report. Carmax states that they sent correspondence to the primary account owner as is their policy. I am not the primary account holder, so no correspondence was sent to me. All I am asking is for the tradeline to be removed from my credit reports. The FCRA does not require tradelines be reported so removal is certainly allowable and very common. The purpose of accurate credit reporting is so that a true representation of a consumor 's credit worthiness is available to potential creditors. This tradeline is not a fair representation of my creditworthiness as the account is not mine, and I was never made aware of issues or given an opportunity to prevent delinquency.
03/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92211	Web
I had called CarMax because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called Carmax explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
11/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IN 46307	Web
I have a XXXX injury and I have been in XXXX for the last few months, I contacted Carmax Auto Finance via phone to request a deferement extension on XXXX payments until I am home from the hospital. I spoke to a XXXX Who claimed she was a supervisor. Per XXXX I had To Pay {$360.00} in order to qualify for this deferrment to cover XXXX payment. I Sent my sister into to Carmax to pay {$370.00} XXXX. I called XXXX Back to Verify the payment was received she said yes and she would put in for my 2 month deferement she then advised that I would be back on track and the next payment would be due by XX/XX/XXXX with a XXXX Day Grace Period. I Had My sister with me on the phone and she wrote down what XXXX Advised me to do so I could qualify for the deferement. On XX/XX/XXXX I got a threatening email that I had to pay for XXXX payment or my car would be repossessed. I specifically explained to XXXX that my daughter drives and needs that car for school she gave me her word the XXXX deferments would be approved. They were not she did not honor what she advised me. I called back spoke to a XXXX and she give me her word she would pull the call I never heard back from her and she left a note on my account that the declined deferement stands. This company is extremely dishonest they promote to call them if you are having a financial hardship and when you do they do not help you. They will not waive any late fees, They will not let you change your due date and they are dishonest when you ask for a deferrement. I offered to fax in Proof that I am under my doctors care treating for a XXXX injury they told me it was not neccesscary. I also advised them that my husband was now deceased and I am now down to XXXX income they do not care. I wanted to bring this information to your attention because they do not honor what they are advising their customers. I trusted XXXX knew what she was doing. I would like them to provide a transcript of the call where XXXX promised me I would get XXXX deferements on the car to help me until I am out of the hospital. A company should honor what their supervisors tell consumers its not right to treat people this way. I explained to this woman in grave detail that I have a permanent XXXX that affects my spine and she was dishonest with me the entire time. She did not even have the decency to call me back and let me know that the deferments were not approved. That is incredibly evil to treat people this way. They offer services they do not provide
01/18/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	SC 29485	Web
I purchased an used XXXX XXXX XXXX at one of the Carmax locations in XX/XX/XXXX The car was at 57,000 miles and sold for alittle over {$17000.00} at the time. While doing the paperwork with the representative XXXX ( she no longer works there ) she explained the warranty and said I had to purchase it, and it would cover me for the first 3 years if something happened to the car. She also told me I had to sign an arbitration agreement or she could n't sell me the car, she did n't explain the specifics of the agreement, only that I could n't join any class action lawsuits against the company. Once my car reached 100,000 miles, it started shutting off on its own and when driving a certain amount of mph it would slow down on its own as if it was going to stop in the middle of the road then after awhile it would speed up to the correct amount of mph, then stop again. I called to do a warranty claim and was told it 's over 100,000 miles so there was nothing they could do, but I still had to pay for the warranty until the end of the loan. It left me in a bad situation. Being that they could n't be of any assistance with helping with repairs. I got a mechanic to look at the car and was told the transmission was slipping and the car appeared as if it had several body work done and it was just repainted to cover accidents the car previously had, the transmission had been worked on before and it was n't going to last. I felt like I was lied to about the car fax, which is probably why I was forced to sign arbitration agreement. All my payments were made on time and it was never a problem with me making my payments. I called Carmax in XX/XX/XXXX and told them to pick up the car, they picked it up 3 months later in XX/XX/XXXXwith no notice and kept my belongings inside the car without returning them. The car was sold at an auction and I received no notice to attend, they said the could n't reach me. I received letters from a collection agency which is a breach of the arbitration agreement on XXXX behalf, I tried to rectify this several times with no resolution. XXXX has charged off the loan on my credit under their company 's name but still sent a collection agency to collect balance, once they knew they breached contract they bought the account back from the collection agency and keeping it within their collections while adding on several fees and interest after the fact they have written the account off, but making it nearly impossible to resolve this issue.
12/28/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OR 97124	Web
On XX/XX/2021 - I mailed a cashier 's check issued by XXXX XXXX to CarMax Auto Finance for the early payoff balance of my vehicle : {$10000.00}. On XX/XX/2021, I checked the balance online and the account hadn't been updated yet. The cashier 's check was received by CarMax Auto Finance, endorsed ( XX/XX/XXXX ), and deposited into their XXXX XXXX account. I've made multiple calls to CarMax and trips to my local XXXX branch, attempting to resolve this issue. The explanations I have been receiving from CarMax have been changing throughout this process. In addition, after each contact iteration, CarMax hasn't provided any status update or new information. In fact, I have been promised multiple times that they would call me back, or email me- which never happened. Perhaps this is the company response when you try to pay off a vehicle early? XX/XX/XXXX : Call to CarMax ( XXXX ) Spoke with XXXX : She told me " They received the check. It's just a posing error. You will not be penalized. Your account will be updated shortly and title will be mailed to you ''. XX/XX/XXXX : Spoke with ( XXXX ) : She told me " The check was returned as a fraudulent check ''. I asked her for additional information, and she didn't have any. I asked to speak to the finance department. She told me they don't have a phone number or an email address. They only have a fax number and they will not provide any verification of receipt. Spoke with manager XXXX : He told me the cashier 's check was returned for fraud. I asked him for additional information. XXXX told me that he didn't have any. I gave him the cashier 's check information ; Date endorsed, XXXX XXXX account number, etc. He insisted this was my issue. I asked him if he could investigate on his end and he refused. I faxed the bank information I had to the CarMax Auto Finance fax number. On XX/XX/XXXX, I called CarMax and spoke with XXXX. Then spoke with Sr Manager XXXX XXXX. This time I was told my bank put a stop payment on the cashier 's check. I emailed her copies of the endorsed check, bank statement, etc. She guaranteed she would contact me in 2 days on XX/XX/XXXX. I was never contacted. XX/XX/XXXX : Called CarMax and spoke with XXXX. There are no new account notes on file. I requested to speak with a manager. I was told none was available. I've went to my XXXX branch multiple times throughout this process. The Regional Manager assures me, there are no issues with the cashier 's check.
02/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	KY 42104	Web
On XX/XX/XXXX, I purchased a XXXX XXXX XXXXXXXX XXXX from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax Finance Services says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the XXXX warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.
09/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	LA 70802	Web	Servicemember
I was sent an adverse action from CARMAX INC on XX/XX/XXXX. I in good faith applied for a XXXX XXXX XXXX and was denied. My credit card was used and I received no benefit which is an unauthorized use of a credit card. Pursuant to 15 USC 1602 ( f ) credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I exercised my right and was denied. They are in violation of 15 USC 1681 ( a ) ( 3 ). They are also requiring a down payment which is a violation of 15 USC 1605 ( a ) which states the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So no cash should be required for a consumer credit transaction. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX CARMAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : ADVERSE ACTION Dear CARMAX INC I , the consumer and natural person, was denied credit by CARMAX INC when I applied for a XXXX XXXX XXXX XXXX # XXXX. Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692k. You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by CARAX INC due to the response I received. CARMAX is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I am the creditor per 15 USC 1602 ( g ). Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CARMAX INC. If CARMAX INC fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make CARMAX INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ). Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without prejudice, All Natural Inalienable Rights Reserved
02/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	KY 42104	Web
On XXXX, I purchased a XXXX XXXX XXXX XXXX from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax XXXX XXXX says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the MaxCare warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.
04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61350	Web
CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well. Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} remaining principle balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause XXXX XXXX, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.
04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61350	Web
CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX credit reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well. Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.
01/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KY 40383	Web
I have an automobile loan with Carmax Auto Finance ( Carmax ) The loan is due on the XXXX of each month and the funds come out of my account on the XXXX of each month. I have my payments made through my XXXX XXXX automatic bill payment process. I have used this process since XXXX without any prior issues. The problem is that Carmax says that my payment for XXXX has not been made. However, my online checking account statement shows that the payment was sent by XXXX XXXX on XXXX. I also have proof of payment documentation from XXXX XXXX showing that the XX/XX/XXXX payment was made on time. On or about XXXX, I started getting calls from Carmax Auto Finance regarding the so-called " late payment. '' On XXXX, I called Carmax Auto Finance to tell them that the payment had been made and that I had proof of payment from my bank. I asked the customer service representative ( CSR ) if I could send them this proof in order to resolve the matter. The CSR stated that she had no way of taking that information. She advised me to call back Carmax in XXXX business days to follow-up. She stated that it would take that long for the accounting team to research the issue. I asked her to not have Carmax contact me about the late payment anymore because I had proof the payment was made in a timely manner. I also stated that my account should not be charged any late fees or penalties because the payment was made in a timely manner. On XXXX I called Carmax again to see if they had resolved the issue. The XXXX said that they had not had time to finish their review, although the CSR I spoke with on XXXX said it should be resolved in XXXX business days. On XXXX I called Carmax again to see if they resolved the issue. The CSR said the payment had not yet been found. I asked to speak with a manager to see if there was a way I could sent the proof of payment. The CSR gave me a fax number. I again asked to speak with a manager to try to resolve this. After a brief hold, I spoke with a manager named XXXX. He gave me an email address to send the proof of payment, which I sent within the hour of our discussion. As of this date, XXXX, XXXXXXXX XXXX, XXXX, the matter remains unresolved. I would like the CFPB to help me resolve this issue. Specifically, I do not think that I should be charged any late charges or penalties and I do not want any adverse information reported to any of the credit reporting companies.
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28012	Web
Let me start by explaining our personal situation. My wife is a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of this year my wife was XXXX to XXXX Texas to work in the XXXX ward of a XXXX 's XXXX. During her XXXX this time she was unable to avoid contracting XXXX herself. She was quarantined in XXXX of XXXX in Texas alone. My wife handles all the finances. I was alerted that we had a 30 day late on our credit report. I called the creditor which is CarMax auto finance to try to make this correct. While sitting alone with a fever in a hotel quarantined, she had apparently made the payment on time but transposed numbers in our bill pay and it was {$40.00} short. I immediately tried to render that they would not allow me to do so. I told them I never received a phone call and verified they had my number I was told they sent me a notice as legally they are required to do in writing, to date I have never received a notice of any kind. I don't get a monthly bill from them, I don't get a monthly e-mail reminder from them. I initially set this up to autopay and we just always know when to pay it. I pointed out to the lady on the phone we've never received any sort of mail or correspondence other than solicitation from CarMax auto finance. I have over and over asked what their policy for during the pandemic was, I know they were offering payment abatement etc but when I'm asking for anything regarding a situation where a nurse XXXX to help XXXX infected patients becomes infected they said it's against their policy to do anything. My wife and I are very distraught over this and wonder if our last name was XXXX and not XXXX if we were at have this same issue. One does not have to look far to see the XXXX profiling of the XXXX community. I have look at what our options are for resolution on this and I have read the CFPB website and followed the recommendation to reach out to the creditor. I also saw or CFPB has issued guidance to creditors in regards to how to handle XXXX related delinquencies I do not feel as if CarMax auto finance policies in any way respect the guidance CFPB has issued, in fact I read the guidance to two different parties I spoke to and they said that is just guidance we are not required by law to do anything and until it becomes law or policies will not change.
10/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29687	Web
Fact, affiant is aware and has proof in attachment labeled Exhibit A that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charged the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Carmax XXXX XXXX XXXX XXXX XXXX Carmax did not include my insurance in my finance charge. Fact, affiant was not given the option to include insurance into the finance charge, and was threatened by penalty of withholding the vehicle to provide proof of insurance before leaving the dealership. Fact, affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1611. Carmax XXXX XXXX XXXX XXXX d/b/a Carmax willfully and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable. Fact, affiant did not receive any forms nor received any clear or conspicuous disclosure of the right to rescind the transaction pursuant to 12 CFR 1026.23 ( b ) 1. See Exhibit C Notice, it is fact that affiant is aware, in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under the Truth in Lending Act. In addition, the creditor must clearly and conspicuously disclose in accordance with regulations of the consumer Financial Bureau. Take notice that I also revoke, cancel, and make void from the beginning all powers of attorney, in fact, in presumption, or otherwise, signed either by me or anyone else claiming to act on my behalf with or without my consent as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, " governmental '' departments, agencies or corporations on the grounds of constructive fraud, concealment, and non-disclosure of pertinent facts.
08/02/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53207	Web	Older American
Re : XXXX Erroneous Notices of Delinquency from CarMax Auto Finance XXXX ; XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Although the monthly installment for my loan with CarMax Auto Finance is regularly paid each and every month, I have received four Notices of Delinquency from CarMax in the last XXXX XXXX In the XXXX instances of Carmax sending these notices prior to the current one, CarMax eventually came to agree that the notices were in error and CarMax retracted their demand for payment of late charges indicated in the notices. Note : I acted to correct the current erroneous notice yesterday and, at this time, have no response from CarMax regarding it. To correct these erroneous notices, I have had to call my investment advisor who has had to call his financial service provider and request them to find the cancelled checks and fax a copy of them to Carmax. ( Please be aware that I did not receive a copy of the cancelled checks that the XXXX XXXX XXXX sent to CarMax. ) All this calling, finding and faxing is a waste of time for everyone involved. Consequently, CarMaxs erroneous Notices of Delinquency are acts of harassment by CarMax. This harassment is due to CarMaxs incompetence and failure to rectify their faulty accounting procedures. I also suspect that people who dont keep careful record of their payments could become the victim of overpayment to CarMax due to similar erroneous Notices of Delinquency. I am including the following documents as evidence of CarMaxs XXXX : Letters from XXXX Advisor Services and XXXX XXXX XXXX which indicate that the particular monthly installment payments which are the subject of the Notices of Delinquency were made to CarMax on my behalf. These letters are Dated : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Notices of Delinquency from CarMax Auto Finance dated as indicated at the head of this letter. Current Account Letter from CarMax Auto Finance dated XX/XX/XXXX which indicates that CarMaxs Notice of Delinquency dated XX/XX/XXXX was in error. Account Payment History from CarMax Auto Finance dated XX/XX/XXXX which indicates that the XXXX Notices of Delinquency dated XX/XX/XXXX and XX/XX/XXXX were in error. Note that, with this record, CarMax acknowledges they cashed the checks sent for payment of my installment prior to their issuing of their Notices of Delinquency.
01/04/2021	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL XXXXX	Web	Servicemember
I the consumer, original creditor, and natural person has been abused by CARMAX AUTO FINANCE has been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CARMAX AUTO FINANCE did not disclose that it was an attempt to collect a debt. CARMAX AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CARMAX AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. I the consumer, original creditor, and natural person never received these things pursuant 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. CARMAX AUTO FINANCE has not rebutted my affidavits of truth which stands as truth in commerce.
11/07/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27520	Web
I have written a letter to the XXXX of Carmax, about my condition and what happen to my excellent payment history. In XXXX XXXX, I suffered a XXXX which left me disable at the age of XXXX. Please see my attached letter. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank XXXX XXXX XXXX for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XXXX of XXXX. I bought my XXXX XXXX in XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XXXX XXXX, it has left me disable and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the XXXX XXXX XXXX and they have approved my claim. Id have a spotless payment history. I understand my obligations with Carmax and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Carmax XXXX late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Carmax may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Carmax, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope XXXX XXXX XXXX believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. XXXX, XXXX XXXX XXXX
12/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 062XX	Web
My husband and I received and auto loan from CarMax Auto Financing to pay for a portion of vehicle that was purchased through CarMax. Before purchasing the car we asked questions about the auto loan including if there are prepayment penalties and how to make additional principal payments to our loan. We were told to just include the additional amount into the payment we send it and it will be applied to principal, or to write a separate check designating it as principal payment and it will be applied to principal. For our very first I sent in one check for the full bill amount. I sent in a second check for the principal payment amount noting principal payment on the memo line of the check. The payment was not applied to principal. It was used to pre-pay our next payment. I called to have this corrected and was told that I was wrong, and that is just how it works. I was told that it will reduce the principal by reducing the next payment. I shared that this is not how principal payments should be applied and this is not appropriate. After spending ample amounts of time on the phone with them, management and accounting department they were able to re-allocate the amount to principal for this one payment, but the statements and information online are still not fully accurate, though the do total to the correct numbers. I asked how I can ensure that it is allocated correctly in the future, and was told that any time a principal payment was made I would have to call in and ask for it be changed. I asked for any other option that may be available, and they would not provide me with one. I asked for a direct line and they would not provide me with one. I asked for any additional assistance to help my principal payments be applied as designated and they demanded that I needed to call every time. I plan to make an additional principal payment each month and spending nearly an hour on the phone each time is intentionally having a barrier in place to prevent people from doing this, and unmorally keeping customers funds in their pockets. Additionally I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and talking on the phone is challenging for me. To have a process that required people to call and speak with someone is XXXX to those who are XXXX XXXX XXXX because of the desperate impact for those who are XXXX XXXX
01/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 761XX	Web
On XX/XX/XXXX I sent a revocation of power of attorney to CarMax Auto XXXX by certified mail. CarMax did not acknowledge this letter. CarMax no longer has power of attorney over my car contract. I also sent In an affidavit of truth with codes CarMax Auto XXXX has violated. Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AFFIDAVIT OF XXXX XXXX XXXX XXXX This Rescission notice is made Pursuant to 15 U.S. Code {$1600.00} ( a ), rescind the agreement. Neither was Igiven the notice that as Iwas never told Ihad 3days to transactions. Furthermore, you CarMax Auto Superstores comes along with all the consumer credit all my rights as a consumer including but not Inc failed to clearly & conspicuously disclose 6 Take further notice that Pursuant to 15 U.S. Code {$1600.00} Superstores Inc accepted a CASH down limited to my right of rescission. 1, Breanna U.S. Code {$1600.00} ( i ) ; Pursuant to 14 XXXX, participated in a consumer credit transaction and not a loan ; consumer credit transaction shall be determined m e by your organization in direct violation CarMax Auto which clearly states : The finance charge does payment of {$1000.00} violating 15 U.S Code transaction. not include charges of a type payable in a 1605, comparable cash Pursuant to 15 U.S. code {$1600.00} ( 1 ) ( 3 ) ; one can be fined year, or both, for giving false or inaccurate information up to {$5.00} or face imprisonment for up to one to disclose. In this case you, CarMax Auto Superstores or fails to provide information which is required rescission, I am not liable for any interest becomes void effective disclose and provide all information clearly to Inc, willfully violated this law when you failed Notice that pursuant me as a consumer. to finance charge to 15 U.S. Code {$1600.00} ( b ) : upon receipt of this immediately. or other charge or other charge, and any security Take further notice that 20 ( twenty ) days after property given as earnest money, down your receipt of this notice, you must return necessary or appropriate to reflect the payment, or otherwise. Also, you shall take any and placed on the property which termination of a security interest created under any money or action in this case is aCAR ( XXXX, XXXX, XXXXXXXX XXXX the transaction # XXXX )
10/07/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30052	Web
My rights under the Fair Credit Reporting Act, Section 623 US Code 1681s-2 ( a ) Duty of furnishers of information to furnish accurate information, have been violated by Carmax Auto Finance XXXX ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Carmax Auto Finance continues to knowingly and consciously certify inaccurate, false information obtained under false pretenses to the credit reporting agencies XXXX and XXXX, which is a clear violation of section 623 of the FCRA, despite receiving multiple written notifications that the auto loan obtained for vin number XXXX was the result of alleged identity theft. I have also rights under Section 623 US Code 1681s-2 ( 6 ) Duties of furnishers upon notice of identity theft-related information ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. I am entitled to fines of up {$1000.00} per violation for each month you have been knowingly certifying false information to the credit reporting agencies, I am entitled to fines of up to {$1000.00} per violation as well as actual damages for knowingly reporting inaccurate negative information. This complaint is the first step in legal action if you continue to violate my FCRA rights.
10/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 320XX	Web	Servicemember
I disputed an auto loan account ( Carmax ) in XXXX because it randomly appeared on my credit. XXXX stated that Carmax responded that they certify the account belongs to me. I asked XXXX to send me any documents that Carmax sent but I havent received anything. I called Carmax customer relations department on XX/XX/XXXX to get the information that XXXX cant seem to provide. I explained to the representative at Carmax customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to Carmax credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my XXXX Credit Report that wasnt mine. I provided my name and last 4 of my social and even the fist few digits of the account number that appeared on my credit report. On Carmax recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last 4 digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that XXXX results stated that Carmax said they certified it was correct. The Carmax representative in the credit department denied claims that they told XXXX that it was my account because she said based of the information it Carmax would have deleted the account. So now there is a bigger issue. Either XXXX is not actually disputing the account or Carmax doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the Carmax rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web
I hope this letter finds you well. I am writing to you for the second time regarding the incorrect information that you have been reporting on my credit report. I had previously contacted you in a respectful manner, expressing my concern and trust that you would rectify the situation promptly. However, it appears that the matter has not been resolved yet, which is deeply disappointing. Once again, I must reiterate that the late payment information associated below is incorrect : Account Name : CARMAX AUTO FINANCE Account Number : XXXX Reason : Incorrect late payment Account Name : CARMAX AUTO FINANCE Account Number : XXXX Reason : Incorrect late payment Please remove ALL late payments- there should be NO late payments reported here. I maintain meticulous records of my payment history across all my bills and accounts, and there should be no indication of any late payments on this particular account. It is evident that an error has occurred, and it is essential that this issue is rectified immediately. The incorrect reporting of late payments is severely impacting my ability to obtain credit, as it continues to have a detrimental effect on my credit score. I have consulted with credit experts who have advised me that there are legal provisions in place to ensure that inaccurate credit information can not be reported. It is with this knowledge and determination that I once again insist that you take immediate action to remove the late payment marks from this account. I want to stress the seriousness of this matter to you. The inaccurate reporting is not only causing me financial distress but also undermines my confidence in your ability to handle my account responsibly. As a valued customer, I believe it is within my rights to expect accurate and fair treatment. I kindly request that you review this matter urgently and provide me with written confirmation of the correction made to my credit report. I expect a prompt resolution to this dispute to avoid any further escalation of the situation. Please understand that I am prepared to take any necessary steps to protect my rights under the applicable laws and regulations. I appreciate your attention to this matter and look forward to your immediate action. Sincerely, XXXX XXXX
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC XXXXX	Web
This complaint pertains to Carmax and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. Starting from around XX/XX/XXXX, Carmax, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities. Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to Carmax and the CRAs ( XXXX, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to Carmax and the CRAs for your reference.
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MA 02740	Web
Dear Madam or Sir : I am writing to express my objection regarding my CarMax Auto Finance Account XXXX which shows negative marks ( late payments ) on my XXXX as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, Car Max with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written Car Max to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why Car Max should continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to Car Max and in fact paid off my account in full to Car Max nearly two years before the loan maturity date. It is the failure of Car Max to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by Car Max. It is my contention that due to the fact that my account was Paid In Full and Closed well before the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from CarMax in the form of their deleting their reporting from the Transunion and Experian agencies. Otherwise, I think CarMax owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my XXXX and XXXX reports or to delete my CarMax account from my XXXX and XXXX reports entirely. CarMax Auto Finance contact information is : CarMax Auto Finance Attn : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how CarMax will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. Sincerely Yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
04/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CO 80550	Web	Older American
Carmax repossessed our car, after we had been in contact with them often explaining we had lost our employment, and had been struck with crime, but were moving to XXXX XXXX to obtain another position, which we already had. We were just starting XX/XX/XXXX. They agreed to work with us. Instead they came like thrives in the night and repossessed the car, with all our belongings in it. True we were able to get some out the next day while a complete stranger helped us, but thereafter the rest of our belongings went with the car. We were now without any way to get around but by bus and no way to get the rest of our belongings. Carmax is lying! And cutting off their nose to spite their face. How does it help to take a car away from people who have new employment and need a car to get there where theyll earn money to pay Carmax? Also we were never informed that we had purchased an XXXX XXXX XXXX. Carmaxs way to charge more obviously. We also never asked for such. So Carmax lied by omission. The car broke down in XXXX, XXXX and we had to have the Radiator Replaced by XXXX XXXX XXXX in XXXX by XXXX ; the charge was about {$500.00}. We have requested the receipt, from around XX/XX/XXXX but dont have it yet. Also we informed Carmax about this problem with the car soon after it happened. They never informed us then about the Extended Service Plan. Another lie by Carmax, is that the XXXX in the car was bad and they lost money in selling the car. Not true, the car drove perfectly ; we know what a bad transmission is. Not to mention the car was checked out by the mechanic in XXXX. Again this receipt is forthcoming. Also I have learned that Carmax can not charge us for the car after they repossessed it unless they sell it for less, and though they say there was all these things wrong with it, its not true. They are lying. They may of sold the car for less, but their reason for doing so was to garner interest from continuing to charge us. At the very least Carmax is unethical, dishonest and corrupt. I have reported Carmax to other consumer outlets. If I can be instrumental by keeping just one family from buying a car from corrupt Carmax I will feel Ive done something good for society.
06/22/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30223	Web
I purchased a used car from CarMax in XXXX. We arranged financing with our credit union, and we're prepared 2 go back home, a two-hour drive, and pick up the check the next day and return to pay off the vehicle. However, our sales person, XXXX XXXX, said that was not necessary. Rather, we would sign the paperwork for a CarMax loan, and have the credit union overnight the payoff. And as long as the payoff arrive within a week, the loan would be cancelled and no further action required. So we arranged for the check to be cut right then in there, while we were filling out the paperwork. The credit union cut the check on the XXXX and overnighted it. I called carmax on the XXXX and got verification that they had received the check for the full amount of the purchase. Nearly two months later, I received a phone call from CarMax, stating that our loan with them was in arrears because I had made no payments on the loan. I told them that we had paid the loan off within two days of making the purchase. I subsequently received another phone call a few days later stating the same thing, you are now in arrears with your loan. The name of the person was XXXX. I asked her to speak to a supervisor and get someone on the phone 2 determine why they were not cashing the check from the credit union. at one point they said they had sent the check back to the credit union. A few minutes later, they said no, they had the check and I would apply it to our account. Today I got another phone call from a specialist name XXXX who said that the check had expired because they never cashed it oh, and they wanted me to provide them with another check. I can't provide them with another check, and they need to contact the credit union and get the credit union to replace the check that they never cashed. we have spent hours on the phone with them so far, and they insist that they can not send me anything by email, by text, or by mail oh, the only thing they can do is tell me on the phone courses of action that they want me to take, to fix there office problems! At this point I do not know what else to do. This does not seem legal that they can refuse to accept check to provide for the payoff of the loan.
03/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TX 789XX	Web
XX/XX/2023 i applied for a consumer credit transaction, an offer was made of XXXX i accepted the offer. they then told me that i have to put a XXXX down payment its required, the vehicle total cost is XXXX.but if we are going off a consumer credit application that means the fees and payments are taken care of due to the fact i was applying as a consumer and using the vehicle for personal and family use.15usc 1602 ( i ) in addition to the acceptance i was allowed to test drive the vehicle. as we are now back at the desk the sales woman was in attempt to complete my contract. i stated that i was not a customer but applying as a consumer to extend my credit to the business. they then begin to ask for information like check stubs, i provided them and everything was done electronically. i asked do they participate in TRUTH IN LENDING ACT and they replied yes well when i stated code 15 USC 1602 ( f ) - ( The term CREDIT ) - means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payments. and aslo stating 15 USC 1611 Criminal liablility for willful and knowing violation because of discussing a contract between two entities not including the actual entitiy applying for the consumer credit.Carmax deliberately left me out of the finance agreement while having a verbal conversation over the phone then coming back to me acting as the middleman. i feel Carmax employees are incompetent in knowing federal laws and acts. A Consumer Credit Transaction - ( CONSUMER-a person who purchases goods and services for personal use. CREDIT-means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.TRANSACTION-to exchange. im simply stating, my rights as a consumer has been violated along with being disrespected by the dealership and finance company. while reiterating the laws to them and exercising my right in hopes that the people im extending my credit to would be competent but they are not! i made aware of my EXACT INTENT for the use of the services/goods. for personal use which falls under the the 15 usc 1602 ( i ). i also understand by law iam the original creditor.
11/12/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 17268	Web
I purchased a XXXX XXXX XXXX from Carmax in XXXX of XXXX. I have made payments, sometimes late but I have caught up when finances allowed, for the past almost 3 years. I recently was caught up with medical issues that caused my finances to be stretched as well as we had a loss in our family and have been going through very tough times. I have made payments, while not at the full past due balance, I have at least paid what the standard payments were. On XX/XX/XXXX I attempted to make a payment and Carmax refused to allow me to make the payment online or through the app so I was forced to call in. I called Carmax on XX/XX/XXXX and I was met with a very disrespectful and unempathetic employee who proceeded to tell me that the car was up for repossession. I received no notice of this and advised her of this. She states they mailed letters but that they came back returned. My wife is home and gets the mail everyday and never once was given a certified letter to sign for. We also have security cameras and the mail delivery person never brought a letter to our door. The employee didn't care and refused to so any empathy when I explained our financial issues. We are a one income family as my wife is unable to work. The employee continued to tell me that all they can do is take a payment of $ 270+ and give me 14 days to pay the rest or the car will be repossessed. I begged her to see if there was any other option as I do not even have {$200.00} to my name. She refused to offer any assistance and said that her word is final. This has caused me stress to the point that I am currently speaking with the suicide hotline because she has made me feel like I am a failure and that there is no hope. I struggle with XXXX and have had a past in XXXX thoughts and this is the closest I have ever been to crossing the line thanks to Carmax Finance 's employee. All I am asking is for a little compassion and help. I will get caught up once I receive the funds to do so. I am just asking for some help. I want to pay for the car and am willing to do so but I just need a little help until I can get back on track. Carmax refuses to assist. Carmax does not care.
08/30/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	PA 19143	Web
CARMAX AUTO FINANCE HAS BROKE THE LAW! Pursuant to 15 USC 1681 ( a ) ( 1 ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes. CARMAX AUTO FINANCE and their inaccurate reporting have damaged my livelihood. The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. CARMAX AUTO FINANCE reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system. CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for CARMAX AUTO FINANCE to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that CARMAX AUTO FINANCE are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that CARMAX AUTO FINANCE clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following Account inaccurate! XXXX
04/15/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX XXXXX	Web
I have a vehicle loan with CarMax Auto Finance. According to the statements I've received in the mail, it appears my last 2 payments have not been applied to my account. I would imagine protocol is the either apply the payments to my account OR return them. They have not been returned. I have attached screenshots as well as pictures of the receipts of the payments issued to CarMax. One screenshot is for a {$1200.00} payment I made via my mobile banking app back on XX/XX/2020 - which was delivered to CarMax on XX/XX/2020. I've also attached a picture of the USPS money order receipts for the money order payments I mailed to the address listed on their website for mailed payments on XX/XX/2020 ( CarMax Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, IL, XXXX ). One is for {$1000.00} and the other is for {$400.00}. Again, it appears the online banking payment nor the mailed payments were applied to my account, and neither have been returned to me. CarMax has continuously harassed me with phone calls, where their agents allege they can not find the online banking payment I made, even after I provided them the transaction ID my bank gave me. They told me to communicate with my bank to trace the payment, and of course tell me every other word that " the vehicle can be picked up at any time. '' I already confirmed with my bank that the transaction ID is all CarMax needs to trace the payment, but again, their agents still claim to be unable to find the payment. The last agent I spoke with said she would try to track down the payment and I needed to call back in a few days. During this entire time, my mobile app and online account access have been suspended so I can no longer make payments with those methods ( like I normally do ). This makes it that much harder to see what I actually owe / owed and when. I do not trust what their telephone agents have told me, and any company that suspends online account access is clearly trying to cover something up. I believe they're intentionally " misplacing '' payments so as to continue to report negative information to the credit bureaus and tack on extra fees.
03/04/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30052	Web
Carmax continues to violate my Federally protected consumer rights. These violations have caused hardship and distress upon my estate, to my reputation and to me personally. I have attempted to settle this matter without taking legal action and this is my final attempt. In XX/XX/2021, I sent a cease and desist letter and Carmax has since committed several violations of my rights stated in the letter. In this letter, I requested validation of the alleged debt via audit trail, pursuant to 5 USC 552 a ( d ), which states : ( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; Carmax has failed to validate this debt with the original creditor. They have failed to present the original source of funding for the consumer credit transaction. In this letter, I also directed Carmax to remove any derogatory remarks to my consumer report. Attached you will find 2 screenshots : the first one, they zeroed out my account. In the second one, they report that the debt is charged off as bad debt and that the dispute has been resolved. That is false and harmful to my reputation. This is also a violation of 15 USC 1681d. As stated in a previous complaint, and Carmax also authorized and released my private location information to a third party, who attempted to steal my property and threatened that more people would come to my home to attempt to do the same. This is a violation to my privacy and to my safety and to the safety of my family. This is just a few of the violations committed by Carmax that have caused me harm. These violations are willful and malicious.
09/02/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 320XX	Web	Servicemember
On XX/XX/XXXX, I hand wrote a Affidavit of Truth to dispute my account with CarMax auto finance identifying in two exhibits ( a late payment letter and a voicemail they left on my cellphone ) with the violations according to the Federal Laws found in the Fair Debt Collection Act. I mailed the letter off off on Friday XX/XX/2021 certified mail. I called CarMax Auto Finance in an attempt to confirm that to got my letter and to discuss the remedies I asked for as a consumer invoking his right. No one at the finance office or the corporate office were able to answer an of my questions and refused to engage the conversation when I brought up the Federal Laws found in the Fair Debt Collection Act or when I asked to be put through to legal for them to answer my questions. I was told that I only my attorney or lawyer can speak to the legal department of CarMax Auto Finance. Even though I informed the representatives that I invoking my XXXX given right as a natural person to represent myself in this case, I was denied a direct line of communication to the legal department. In the past couple of days I have called numerous time and I have not been satisfied with the responses I have gotten from the representatives and managers at CarMax Auto Finance and the CarMax Corporate office. Along with illegally repossessing my truck on Tuesday XX/XX/2021, I was threatened by CarMax Auto Finance they if I dont pay the late fees and repossession fee, my truck will be up for auction in 17 days after the repossession. If sold I will be liable for the truck payments still. Another violation under 15 USC 1692F ( 6 ) ( A ). Which states taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; I also have a slue of other violations that this company as acted on against and will like help in fixing my credit report and being an example of others who have being violated by CarMax Auto Finance.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75165	Web
CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and Carmax auto Fianance. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and Carmax auto Fianance is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and Carmax auto Fianance attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and Carmax auto Fianance has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
03/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21113	Web
I totaled my used XXXX XXXX on XX/XX/XXXX which was/is financed through Carmax Auto Finance XXXX My car insurance is through XXXX. The vehicle was declared a total loss and after contacting Carmax for the payoff on XXXX XXXX issued Carmax the full payoff for {$34000.00} and XXXX issued me the remaining {$20000.00} for my loss settlement. Carmax claimed they never got the check so we sent it again on XX/XX/XXXX for {$34000.00}. In the mean time I paid CARMAX for XXXX and XXXX payments of {$680.00}. Both XXXX and myself has called carmax a plethora of times between XXXX, XXXX and XXXX as I want this loan/credit trade line removed from my credit report so my score updates. Throughout multiple conversations with multiple representatives they told me I'd be getting a refund for my warranty and GAP insurance and advised me to turn off auto pay since they are not reporting to the credit agencies anymore. They did not cash the second check sent to them all of XXXX so XXXX contacted them and they told us we had overpaid that's why the checks kept not going through from XXXX to Carmax. After XXXX received the updated payoff from Carmax ... a third check was cut to Carmax Auto Finance from XXXX on XX/XX/XXXX for {$30000.00}. XXXX on XX/XX/XXXX then issued me the difference of {$4300.00}. Carmax Auto Finance then mailed ME a check for XXXX in the middle of XX/XX/XXXX?? The last time I called them was on XX/XX/XXXX where none of the representatives still have an answer. They claim they are still trying to reconcile the account and something was looking off where it shows I still owe roughly XXXX. There is NO REASON there should be this many money exchanges ... or this account still hasn't been fully closed. No one at Carmax ever has an answer and earlier this month they said they are " still working on it '' and someone would call me. Carmax has not called me at all. My insurance claim and account with Carmax are both still open and what is possibly taking them 4 months to close a simple account we have tried to close correctly?
05/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	WA 983XX	Web
CarMax well I should say XXXX XXXX approved my financing all my paper work was approved the last thing left to do was add insurance.i went to CarMax after reviewing an offer provided one I have to feel a 1099a for acquisition in a security interest which I was told by IRS CarMax denied that first violation second XXXX months with apr over 27.6 percent is twice the car price which the bank was obligated to pay.second violation in a credit transaction is CarMax wanted XXXX cash cash and credit transaction don't co exist .third violation after check my credit which cfpb been helping dispute my credit because it is not accurate they did not call and verify as it states on my credit report .fourth violation by. Car max is trying to assign my interest and rights .in all reality they aren't giving me a loan in ucc 1 finance statement with security agreement which I took to car max after they told me all I needed was insurance which I purchased they denied after I provided the ucc1 o I can amend it and pledge and add the bank to recieve my security interest .car lot banded me from all their lots of purchasing my car .do they XXXX able to dropp my credit the 1099avwas already approved by IRS with vin . CarMax needs to either give me my car or race lawsuit and they need to explain to IRS they canceled this deal because they know they weren't supposed to receive a down payment when the contract it's self I give value too is a promissory note which they pledge to bank in order to retain creditsmim tired of these thriving companies aquiring assets and then turning around deny people because us consumer are woke .so this would consist of fraud taking my credit card social using it and I did not receive a benefit. CarMax corporate called and I explained why I presented ucc1 all they talked about XXXX this XXXX cash they need which they aren't entitled to and they denied my rights who are these people.they sell cars they obivously are not following buissnness laws .and ucc . So makes me wonder if their accounting in compliance with gap
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30341	Web
Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
10/04/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CT 060XX	Web
Note that this complaint is related to complaint # XXXX On XX/XX/XXXX, my wife paid her car loan from our joint account with XXXX XXXX XXXX XXXX XXXX which recently bought out our bank her in Connecticut ( XXXX XXXXXXXX XXXX XXXX XXXX She used the new bill pay app from XXXX XXXX XXXX The old app added the decimal point to the left of the last two digits input, the XXXX XXXX XXXX app added the decimal point at the end of the digits input. This caused an overpayment to Carmax our loan company of {$57000.00} on a payment that should have been {$570.00}. XXXX XXXX XXXX XXXX never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to Carmax to get our money back. We spoke with Carmax representatives in the afternoon of XX/XX/2022 and eventually spoke with XXXX at XXXX and he told us that the reimbursement would be a check that would be sent out within 6 business days. We were quite relieved. However at the end of eight business days ( XX/XX/XXXX ), when we called to follow up, the reimbursement process had not even started yet. XXXX stated that Carmax had to wait 10 business days in case the bank reversed the payment. In our previous conversation there was no discussion of waiting an additional 10 days. Further as the bank says, an ACH payment is available immediately to the recipient. My question here is, which is it? You can't say its available immediately and there's nothing you can do from the bank side, and also say that you have to wait 10 days because the bank might reverse it. Someone is either misinformed or lying. In the meanwhile, {$41000.00} ( the amount difference between what we paid and what we owed on the car ) of our money is tied up and unavailable to us. Why were we not told of the additional 10 day " hold '' on our money to begin with?
03/29/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90703	Web
Hello, I would like to share my current unfair experience. My wife and I have always paid on time. We both have never missed a payment. I had been paying off a car that I purchased at Carmax. Last year was the last year for the payment of 5 years. I have never been late on the payment or even missed a payment. For some reason in XX/XX/XXXX, I received a notice that the XXXX payment was past due. On our side, the payment was removed like all of our other auto payments. There would be no reason autopay was disconnected for the last XXXX payments! As soon as I received the letter in XXXX, I called Carmax. We spoke with the the local office and the corporate office. They confirmed that they would not report this to the credit bureau, but if they did, it would reflect in 30 days. I patiently waited, and no negative impact was posted on my credit score. I was of course sensitive because my wife and I had been preparing to purchase our first home. We had been preparing and making sure everything was okay for months before. We finally purchased in XX/XX/XXXX and everything has been going well. This month ( XX/XX/XXXX ), XXXX XXXX XXXX program alerted me that there is a missed payment. My score had gone down XXXX points. This was very shocking to me especially because the loan disclosures have been sent and the rate has been locked. We are 19 days from closing and they did a final check for credit score. They found this and now the whole situation is a different story. Now the numbers on our loan are looking to be much higher & to keep the same rate, we need to pay an additional point cost. Because of Carmax 's faulty autopay program, my credit score went from high XXXX to mid XXXX. This was a very large difference and making it difficult as I have this unexpected extra upfront point cost of {$6800.00} and additional {$100.00} of mortgage insurance each month ( it is expected to stay for 10 years= {$12000.00} ) Please help me receive this amount. Thank you for your time in advance.
09/15/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 73170	Web
I purchased a car from car max. My credit is not the best and I was prepared to pay a higher interest percentage. I am a widow with XXXX children working two jobs. I receive survivor benefits on a card provided to me by the SSA. My payment is 16 days late and I am receiving calls three times a day to collect payment. I tried to pay my payment and was informed they can't try to enter a payment from a pre paid card until it is 30 days late. after they report it to the credit bureau. I can't set up recurring payments off my pre paid card either. I was informed that upon entering my payment two different ways their system was not taking it and to avoid them reporting my non payment I could drive 45 min to the store every month and pay it or pay 12 to 20 dollars to go wire it from XXXX XXXX each month in my spare time and if these options didn't work for me I could bring the car to them and they would report voluntary repossession to the credit bureaus and sell my car at an auction and I would be responsible for the rest. I again tried to explain to them I did not have a problem paying my bill and I would be happy for them to deduct automatically. I was informed that because the options I was offered I should bring the car back and as a curtsey they would sell it at an auction and that would get me out of my payment. I was never informed in any way that unless I paid my payment exactly how they wanted me to they would not even attempt to take a different payment method until it was 30 days past due. I repeatedly asked to speak to a manager above the one I was speaking to and by the third person I had reached the top. I asked if there was some type of record I could have of our conversation and was informed she would file a written complaint to her boss. I was informed I could go refinance it somewhere that took prepaid cards because they didn't and that I had the reaming 14 days left on my statement to figure it out or it would be reported to the credit bureau.
10/21/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30188	Web
At this time I, XXXX XXXX, disputed the my account for violation of federal laws, and rescinding enclosed contract dated XX/XX/XXXX pursuant 15 USC 1635. CarMax Business Services , LLC has participated in unfair credit billing, fraudulent debt collection, and deceptive business practices. CarMax Business Services, LLC violated FDCPA, FCRA and FTC unfair and deceptive business practices. On XX/XX/XXXX CarMax Auto Superstore , Inc as the seller entered a contract in a consumer credit transactions in the amount of {$14000.00}, and accepted a cash transaction of {$2000.00} ( violating 15 USC 1605a ), totaling {$16000.00} for the purchase of XXXX XXXX XXXX. The contract violated TRUTH IN LENDING disclosure requirements. CarMax Business Services, LLC violated FCRA 621, FDCPA 807 and FDCPA 808, 15 USC 1666. Nowhere in the contract was the APR or Finance charge disclosed. I also disputed the accuracy of this account several times. Pursuant 15 USC 1605 the amount of the finance charge in connection with any consumer credit transactions shall be determined as the sum of all charges. CarMax Auto Superstore failed to provide the Finance charge, APR or total amount of payments as required by Federal Truth In Lending Act Disclosure requirements. Finance charges does not include fees by a third party. Finance charges are imposed as an incident to the extension of credit ; not to be complied with other fees. Pursuant 15 USC 1692a ( 4 ) creditor does not include assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. Pursuant 15 USC 1692a ( 6 ) Debt Collector CarMax Business Services, LLC had no rights to collect a debt on the consumer credit transactions involving CarMax Auto Superstore , Inc on XX/XX/XXXX, as a third party. CarMax Business Services, LLC therefore participated in unfair credit billing, fraudulent debt collection, unfair and deceptive business practices and was unjustly enriched.
05/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30253	Web
This complaint is in regards to Carmax on line payment system and the over drafting of {$980.00} on XX/XX/XXXX, from my checking account. This is in addition to {$500.00} draft on XX/XX/XXXX. A total of {$1400.00} in 2 days. My accounts are negative and I will have nsfs from the bank and fees from creditors. THIS WAS PART OF MY MORTGAGE PAYMENT. CAUSING ME A SEVERE HARDSHIP! I am a great paying customer. I have never missed a payment nor been late since I originated the loan XX/XX/XXXX. I have notified Carmax customer service department over the past year that the on line system began to show a payment request of {$980.00}. They would tell me to over look it and that I could modify the payment on line which, the system would allow me to do so. There was a difference this month ( XXXX ) the on line system would not allow me to make the regular payment nor modify. I cancelled the process and called the Carmax office the next day ( XX/XX/XXXX ) to make the payment required and an additional amount of {$5.00}. During the phone call the representative did not inform me that a {$980.00} payment had already been applied. She took the payment of {$500.00} by phone. I informed her that the on line system requested I pay {$980.00}. I cancelled the on line process. I asked her why the system would not allow me to modify? I received the same answer as usual to " just ignore it. '' I made a requested of the representative to contact the Tech dept and inform them of the on line issue because the problem had gotten worse. Evidentally no one heard me nor cared! Again this has caused me to be in a financial strain. I want the {$980.00} reimbursed to me as soon as possible! I am requesting as well, Carmax pay all NSF and other fees that may occur due to their issues. They claim I processed the payment of {$980.00} on line. I informed them that I never received an email for confirmation of an on line payment. I would have inform them when I phoned their office.
11/17/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19702	Web
I was able to take a look at my consumer report. I have found that Carmax Auto Finance are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Carmax Auto Finance to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( 1 ). Carmax Auto Finance is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 Chapter 42. Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Carmax Auto Finance has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
05/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 20164	Web
On XX/XX/XXXX I called and told them I lost my job of 5 years unexpectedly. The representative said there was nothing they could do, I told her that the CFPB website stated most lenders will give extensions and and then extend the loan term and continue to accrue interest even during the extension period. She told me well we dont do that, do you have anyone else in the home with a source of income? I said I get unemployment but that barely covers childcare and my rent in {$2500.00} and my partner makes maybe XXXX XXXXXXXX which is not enough to survive for a family of XXXX. We hung up without any help. Mid XXXX, I called again and explained my situation, the guy was very kind and submitted an extension for both cars I have with Carmax, that I have always paid on time and early for 24 months and 40 months. A week later I received a call from carmax stating they declined it because I did not have any promise of having the money come the end of the extension period. I asked them to resubmit the extension request as I would borrow from my parents. Today, XX/XX/XXXX, I received a call from them stating that my account is 26 days past due and that they declined the extension request again stating that they did not know why I was unable to pay. At this point I was very upset. They are going to ruin my credit because I do not have a job, and submit to the credit Bureaus on XX/XX/XXXX at XXXX pm. I worked very hard to get my credit up and was approved for my first mortgage when I unexpectedly lost my job of 5 years. I asked how they expect me to pay when I dont have the money and they just didnt care. I will have to withdrawn from my retirement or beg to borrow from my parents who are also struggling. I should have a job by XXXX which is when I submitted the extension for. I think that its very unfair to treat loyal customers who have paid early every month for XXXX months on XXXX car loans.
02/25/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32246	Web
I bought a used XX/XX/2009 XXXX from Car Max dealership about a year or so ago. It had car problems from the beginning which I complained about, but they would not make it right. From the beginning it kept leaking oil and had other problems. Even though the car had been in an accident before I bought it, Car Max represented it in fine condition with a " XXXX point check maintenance before sold to me.I took it to a XXXX XXXX XXXX, and they estimated it to have repair costs in excess of {$8.00} grand, including needing a new transmission and faulty mechanics. they broke the implied consumer promise of selling a reliable car. I took the car to the Car Max dealer on XXXX in XXXX FL, and the car sales man and his " Finance Manager '' tagged teamed me and told me I had no choice but to turn it in and buy a new car from them-they encouraged me to default on my loan! They said people do it all the time, and being that I could not afford the repairs I should buy a good running car from them. I have a witness to this pressured conversation. I also have a XXXX dealership ( XXXX ) estimation of repairs : {$8900.00}. I believed them and did what they encouraged me to do, since the Car Max company ( another location ) sold me a lemon! The behavior of Car was exploitive and unethical, and has caused me financial hardship. I have always been on time paying my car payment ( except the last one when I decided I could not keep it and turned it in. I take pride in paying my bills on time, and respectfully request that the Car MAX company make all the needed repairs on the " lemon '', and I will consider taking the car back and making the payments. Either way, I respectfully request that this debacle does not go against my credit, causing me further damage. As reparation and a solution to their behavior and bad consumer product, my request is : PLEASE ASK CAR MAX TO NOT LET THIS SHOW UP ON MY CREDIT.
05/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 75482	Web
On your site you guys stated that a downpayment isnt a requirement. But then ask me for downpayment on which was intentionally misleading after you guys stated a down payment isnt a requirement and some I feel thats false advertisement It shall be unlawful for any person, partnership, or corporation to disseminate, or cause to be disseminated, any false advertisement and not only that but a violation of 15 USC 1662 ( 1 ) and ( 2 ) just to switch the terms in order to defraud me which I cant seem to get over but not only that I dont see how you going to take a cash payment inside of of a credit transaction which i was in fact entering which a finance charge was going to be imposed which is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit addition to you guys pulling my credit report, i noticed third parties also pulled my credit report, all of them in violation of the FCRA as none of them is a creditor in such assignment transactions ; you is by law the only creditor but, by having no intention of extending the credit disclosed in the RISC, which you violated the FCRA at 1681b. And Under TILA an assignee is not a creditor. The credit-offering seller is the only creditor. An assignee is an entirely separate entity who assumes the creditor 's rights under a RISC if it chooses to accept assignment. If an assignee rejects assignment, the creditor continues to be liable under the RISC. 12 C.F.R. 226.2 ( a ) ( 17 ) ( i ) And as if you was trying to collect payments on a extension of credit would that be possible allegations of violations of 18 USC 894 im very horrified how the way you do business I wish you guys do more business and good faith instead of trying to defraud consumers especially with inflation going on
01/27/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95841	Web
I bought a car at Carmax XX/XX/2017 and it was financed with Carmax finance. From the start there was a problem with the car. I tried to get it in to the dealer before the 30 day warranty was up and at first they kept stone walling me until I showed up with the car and left it with them. Eventually they fixed it -- supposidly. I called again and again complaining it still had the same problem and they were stonewalling me from bring in the car under the warranty they sold me. When I finally got the car in they test drove it and then had me in the car asking if a certain sound was what I was talking about and I said yes. The mechanic said it was supposed to make that kind of noice. So at that point I accepted if for the time being I left. However, in the meantime I kept calling and calling to to speak with the automotive repair part of the dealership and the person answering the phone kept hanging up on me further stonewalling me. Eventually I cancelled the extended warranty since I was unable to use it. I only drove the car to the grocery store, church and a doctors appointment so I didnt put on many miles on it and had it for way less than 2 years. Eventually the transmission gave way and Carmax said they dont do transmissions so I took it to XXXX and it would have been {$4500.00} for me to fix it and since I didnt have the warranty any long I couldnt use it but then again it didnt cover transmissions. I asked Carmax Finance to extend credit to get the car fixed even though the car fell under the lemon law and I called in 10-15 times trying to resolve problem that but couldnt. I told them that I still wanted it and they wanted money therefore it would be in there best interest to help me. They said they wouldnt do anything even with all the problems over time so I told them to come and get the car. My telephone number at the time was XXXX
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90046	Web
On XX/XX/XXXX I was alerted to a hard inquiry on my credit report from Carmax. I've never had any transactional relationship with them nor have I authorized anyone to do so on my behalf. I immediately alerted the company and the credit bureaus to this error and was told it would be corrected. At that time, I asked if any account was actually opened in my name and was told there was none. On XX/XX/XXXX, I was subsequently alerted that someone had taken out a $ XXXX loan in my name and purchased a vehicle through Carmax. Apparently this had occurred within XXXX hours of the XXXX hard inquiry. I once again alerted the credit bureaus and Carmax and filed a police report. Carmax was not remotely helpful or sympathetic and told me they would conduct an investigation. In the interim, the license plate and registration for the vehicle which I never purchased came to my home. This is clearly a case of title fraud. The perpetrator also attempted to take out an insurance policy in my name through XXXX XXXX and I alerted the California Insurance Commission to this as well. I alerted the California XXXX to this fraud and placed credit freezes on my credit files and took numerous other steps to ensure that my information was no longer being used fraudulently. Today ( XX/XX/XXXX ) I received word from XXXX that they had concluded their investigation and that Carmax maintained that I was in fact liable for the loan. That is insane and completely unacceptable. I'm the victim of identity fraud that this company is complicit in. If they do not remedy this matter and remove this fraudulent charge from my credit reports and release me of any liability I will file a lawsuit against them, XXXX and anyone else who is attempting to find me liable for a purchase I never made. Please advise how I can resolve this matter.
11/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35022	Web
On XX/XX/XXXXI went to CarMax to complete a consumer credit transaction on a car. I supplied my drivers license and social security number. The transaction was complete, I left with the car. I received a statement on XXXX that said the first Payment was due on XXXX in the amount of {$490.00}. The letter did not show that an alleged payment was owed to the finance company but that a positive balance existed. I sent a Debt Validation Request and they responded with an account payment history and a copy of a consumer credit sale contract that also said retail installment contract that included finance charges. Following their response I sent a cease and desist because they began to harass me by phone. In the cease and desist I stated their specific violations XXXX usc XXXX, XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX usc XXXX, XXXX usc XXXX are just a few of the violations I expressed in the letter and have found. I requested an audit trail, I requested that the account be reported as paid in full to the credit reporting agencies and that any and all derogatory marks or late payments be removed. I requested that they sign off on and send my title Lein free. Instead of responding to the letter they added a cease and desist to the account which I verified by phone via a representative of the company. and ignored all other request for remedy that was mentioned in the letter and also proceeded to share my location information with a third party to seize the car from my private property on XXXX. The third party, XXXX XXXX XXXX, damaged my private property. This account is and has been in dispute but they have still reported derogatory information to the credit reporting agencies and has caused adverse affect to me obtaining additional lines of credit.
01/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30106	Web
As a federally protected consumer, I understand that credit is defined as the right granted by a creditor as listed in the definition ( 15USC 1602 ( f ) of the consumer credit protection laws. I also understand that 15 USC 1602 ( g ) of that same subchapter, defines a creditor as a natural person who can regularly extend credit as well as the person from whom the debt arises, therefore I am the creditor who has these rights. I was unfairly discriminated against by Carmax who has deceptively listed themselves as the creditor and I am referencing the denial letter as proof. This denial notice constitutes an adverse action ( 15 USC 1691 ( 6 ) ) that was taken against me while I, in good faith, was exercising my right to extend credit for personal, family and household uses. This adverse action also constitutes discriminiation based upon 15 USC 1691a ( 3 ). I am aware that Carmax has not only deprived me of my rights under the color of law ( 18 USC 242 ) but also has conspired against my rights ( 18 USC 241 ). I am aware that a credit application is not only a financial asset 12 CFR 360.6, but it is also self liquidating paper ( 17 CFR 260.11b-6 ) which means it can be monetized. Essentially Carmax has fraudulently profited from the personal information that was submitted in good faith, and is using it to profit financially, which is also the definition of identity theft found in 15 U.S. Code 1681a ( 3 ). Carmax was able to gain financially from behaving indecently and with dishonor. These blatant and disrespectful proves some of the many ways Carmax is acting above the law and without respect for the standards, regulations and laws in place to ensure fair and equal treatment of the consumer. This transaction has been incredibly one-sided and I have received nothing in return except disappointment.
02/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 190XX	Web
XX/XX/XXXX was the first time claimant responded to statements and letters of debt via certified mail number XXXX XXXX XXXX XXXX XXXX. The contents of this letter included a fair notice, coupon/money order from statement dated XX/XX/XXXX, and a notice of liability fee schedule. All the items were accepted via a signature from an authorized agent of the company. The amount the statement was for the total balance of {$18000.00} USD, which I endorsed with my signature in order to make it a negotiable instrument. To my knowledge that makes any " debt '' claimed by CARMAX AUTO FINANCING to be offset, discharged and or paid off. Despite my lawful actions to settle this debt, I was still being harassed by agents of the company via phone calls, emails, and letters threatening to take my private property. Claimant sent two more letters dated XX/XX/XXXX, and XX/XX/XXXX informing CARMAX AUTO FINANCING that per 15 U.S. Code 1692c which states that without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These notices also informed the company that I am not a statutory person and I Am in fact a Private person. Article 1, section 10 of the constitution clearly states " All debts shall be payable in gold or silver coin ''. So seeing that I have never been officially " paid '' ( silver or gold ) before, how is one expected to pay any debt? All notices sent to CARMAX AUTO FINANCING requested that the company provide proof that I am in fact an agent of CARMAX AUTO FINANCING who took an oath of office and is or was performing the duties of that oath. I never qualified for the loan in the first place according to Title 26 U.S. Code 2701.
02/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19426	Web	Servicemember
The company gave me a car note amount and came back with a different company with a larger car note amount after we agreed on which company would lend the loan. The company gave the loan paperwork to sign on the computer for XXXX. XXXX is the loan holder for the loan signed. Carmax is not the loan holder but has reported on my credit at a charge off for a car that was loaned from XXXX. I signed a pay off with another company to get the car loan removed from my name and Carmax stated the car is still under XXXX and can not be paid off because it registered to XXXX. A loan pay off expired after I went to a title company and the company would not release the registration information because the paperwork is fraudulent. I never received any contact from XXXX after signing the loan paperwork for them to be the lien holder. I have the paperwork that I signed with Carmax as XXXX as the lean holder. However, Carmax is the company reporting on my report. I do not owe Carmax. This company also sold me a car the year before and within two days the computer electric system began to stall and freeze inside a XXXX XXXX. Carmax also collected {$500.00} downpayment which is also fraudulent and against the law to accept down payments on cars. Carmax need to remove the account from credit report in its entirety or be sued. I have reached out to Carmax several times about the lemon selling cars and fraudulent paperwork. The only response received is that XXXX will not respond or remove XXXX will not remove their name as the lien holder. Car was returned for complaints and rechecked by XXXX XXXX and returned with the same problems and no mechanical issues were fixed although the car has a warranty for 90 days or 400 miles and the car was driven for seven days before returned for further inspection with no results.
12/21/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 20716	Web
This is my second complaint with the CFPB ( see XXXX ). In the initial complaint Carmax Auto Finance sent a payment to accommodate 1 of 3 hardships dealing with the vehicle/loan that occurred in their system. Since opening the original dispute in XX/XX/2020 they have sold the vehicle after CHARGE OFF and are reporting a balance of {$10000.00} on my credit report. First let me state I absolutely did not wish to voluntarily set up the vehicle for pick up. At that time my husband of my XXXX children suddenly passed away and I made an economical decision based on the last six months of issues and the pandemic. At the time Carmax received the vehicle their still was no title or tags due to their system inadvertently taking the tags out of my name for the 3rd time in six months which means there were no tags for well over days. I replaced the brakes and raised a complaint about the lights in the first two weeks at Carmax Auto shop. In addition to that the lights did not work on the vehicle but the first 15 days which is required by law and I attempted to fix this issue twice with Carmax in XXXX and XX/XX/2020 at their repair shop in XXXX and once I returned from the shop the entire electrical system went down on the car and I was informed the alternator had to be replaced in XX/XX/2020 ( one month after purchased ) I replaced that and the battery with XXXX XXXX and complained to Carmax with nothing done. The vehicle remained in the shop ongoing for the entire duration of the vehicle. I continued making payments and repairs all while constantly having the car taken from me by Maryland police due to the car showing up as not registered 3 times enduring much more than the amount of {$1300.00} they sent, I missed work when my car was taking multiple times and pay many fees to retrieve the vehicle.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA XXXXX	Web	Older American
On XX/XX/2021, I contacted XXXX to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that CarMax tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if CarMax denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, CarMax plus two others. If XXXX had told me to wait a couple hours before allowing CarMax to check my credit, my loan would have been approved by CarMax - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be CarMax. It is XXXX 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, CarMax did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way CarMax does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with CarMax.
10/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	GA 30093	Web
XXXX XXXX XXXX Carmax 's business practice egregiously crowbarred their auto finance loan using the bait and switch method. They openly denied my XXXX XXXX XXXX XXXX of {$55000.00} stating XXXX XXXX needed more verification to use the XXXX XXXX XXXX XXXX Carmax forged my signature to an e-file contract claiming Carmax auto loan has the same terms and conditions as XXXX stating they mirror each other when it comes to credit. Carmax associatedwas clearto assure me due to having great credit I would be approved, and another creditcheck would not be needed. Between the months of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit was going up and down of points all due to Carmax Auto loan originally ( {$28000.00} ) with a 15.70 % APR for 5yrs. Carmax associated misled me to believe I wouldn't need another credit pulling. On XX/XX/ while on thepremises Carmax forged my signatureto intentionally pull my credit well over 50 times till creating an error inquiry code, while still feeding my informationto other financialinstitutions for a car loan ruining my credit. UnknowinglyI became a witness, and a victim to an empire dealership who hascommittedacrime in my face. I have now become a credit risk to my personal credit, and to my business. Carmax showed no accountability to the multiple violations they have committed. Carmax have been reporting on my credit now as a charge-off stating I own them {$9600.00}. I have attached the multiple inquires, they have committed while still feeding my credit to others on XX/XX/ and my theft report. The forge contract showing my own signature, and the forge name they sign to their own contract. The police report. The Prequaified XXXX XXXX letter that was already approved for said amount, which I called to verify I just needed to pick vehicle.
08/31/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33707	Web
On XX/XX/2018, in anticipation of paying off my auto loan with XXXX XXXX XXXX, I updated my address in their online account management system. On XX/XX/2018, I paid the balance of this loan on their online system. On XX/XX/2018 I still had not received my title in the mail. I called their customer service line at ( XXXX ) XXXX and was notified that my title had been mailed to the wrong address. I was placed on hold for over 30 minutes. The customer service representative acknowledged that the title was mailed to the wrong address. I was then told I would have to go to the DMV for my title. The customer service rep mentioned I would be " reimbursed '' but did not have any details regarding how this would be accomplished. It is my understanding that as the lienholder, they must be the ones to apply for the new title, so I do not know how I can get this from the DMV. Considering how difficult it was just to get information from them on the phone, I do not have any confidence that I will be able to get my title or get reimbursed. Further, how will they reimburse me for the time I have to take off of work and the inconvenience of visiting a DMV? How will I be reimbursed for the hours I spend on the phone with this company? It is not my duty to obtain this title - they need to send it to me. They need to go to the DMV and sit and wait and waste all day and send my title to the correct address. Further, they are not taking any action regarding the fact that the title was mailed out to the incorrect address and could now be in the hands of the incorrect car owner. While on hold with XXXX XXXX XXXX on XX/XX/2018, my account was updated to reflect that I am owed a refund in the amount of {$2.00} since XX/XX/2018. This money has not been remitt4ed to me to date.
10/01/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30078	Web
On XXXX I was coerced into buying a used car from a used auto dealer by XXXX individuals, who then drove off with the car and that was the last I saw of them. They threatened to do bodily harm to my family if I did not go along with them. To prove they were serious, while I was buying the car they had friends of theirs, go to my parents house and steal my motorcycle, fortunately my parents were n't home. It is important to note that I am XXXX I and was completely off my medication and in a XXXX ; which means I was not in a XXXX. The monthly car and insurance payments came to {$910.00} per month, for 66 months. The loan was financed through the a finance company owned by the used car lot company after I was denied by XXXX other banks/finance companies. I had been unemployed for over 18 months and both my checking and savings accounts had negative balances. Also, my XXXX credit cards were all past due. I do not understand why their finance company agreed to take a chance on me. I never had the funds to make a single payment, I opened a police report for theft by conversion. I tried to file a claim with the insurance company arranged by the finance company but The insurance company denied it because the car was stolen before my insurance coverage became effective on XXXX, even though the car was sold though I made my XXXX ( and only ) premium payment on the XXXX The car was located XXXX but it will be turned over to the finance company as they tried to repossess it a couple of months ago by sending a wrecker but I did not have the car and gave the wrecker guy a copy of the police report. I tried to resolve this with the finance company to no avail. The whole situation is overwhelming and I feel as though I have been a victim several times over.
01/19/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30021	Web
Dear XXXX XXXX, I have a question do Carmax participates in truth in lending? If so persuant to 15 USC 1662B & 15 USC 1635, when making a consumer credit transaction, NO cash can be exchanged after I have extended my social security number and extended my credit which covers the entire transaction amount ( FINANCE CHARGED ). Its illegal for Carmax to charge me a down payment of {$5000.00}. Thats fraud. I have a copy of these violations on the attach highlighted in color Yellow. Which clear states the violation several times. Reference case XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) page 71 U.S. 551 Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, XXXX said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreement. Because of what appears to be lawful command on the surface, many Citizens, because of their respect for what appears to be law, are Cunningly coerced into waiving their rights due to ignorance. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( 1956 ). I have discharged this with your company I have proof from the IRS my next step Ill be request an audit on behalf of your company. you're fraud the people you have charge off the debt and still acting as if the debt is still valid! once you charge off a debt is becomes taxable income for the so called debter.
04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI XXXXX	Web
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Carmax marked XX/XX/XXXX on my XXXX. I tried to contact Carmax directly through certified mail onXX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to CarmaxXX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I did apply for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.goXXXX Thank you for help in this matter.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX ) of any sort. In regards to The company XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXXXXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX ) of any sort. In regards to The company ( XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( XXXX ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
08/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 351XX	Web	Servicemember
Good evening/morning to the human being reading this. I hope you are having a Great day and I pray you have many more. I will do my best to make this explanation as short and defined as possible. I started having trouble keeping up with my payments XXXX XXXX. I was running a XXXX XXXX business during the time and when fuel prices started to rise everything for me went south. I did communicate with CarMax Auto Finance and told them about my struggles and explained I would make payments as soon as I could. They seemed to be understanding at the time. My business finally failed in XX/XX/XXXX. During this period of time, I started to learn about my rights as a Consumer. I started reading and researching the United States Code. In XXXX of XXXX I sent CarMax Auto Finance a Negotiable instrument/ Tender of Payment, which would have brought my account current. In XXXX of XXXX I received my next statement and my account had not been updated. So, for the billing cycle of XX/XX/XXXX, I sent CarMax Auto Finance another Negotiable Instrument/ Tender of Payment for the balance on the account then. I also started to write a XXXX XXXX to define the laws and statutes that they were breaking. Unfortunately, I did not finish it in time. They repossessed my vehicle, after I had talked with them two days before. I have attached a copy of all the documentation I sent to CarMax Auto Finance. I do Apologize for not being able to show the back of the Negotiable Instruments where I signed with my beneficiary signature XXXX XXXX XXXX, XXXX, without prejudice, UCC 1-308 , I was upset, hurt and rushing trying to make copies and send the XXXX XXXX in the Mail. Thank You for your assistance. XXXX XXXX XXXX.
05/23/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 339XX	Web
This complaint is regarding Carmax and a GAP insurance regarding an automobile which was supposedly traded in for another and resulted in theft and fraud against my person. The issue revolves around a XXXX XXXX XXXX, which was traded at XXXX XXXX XXXX XXXX XXXX and which was subsequently stolen by the company after they never made payments. The XXXX I had had an extensive GAP insurance which I paid into without any problem or late history and which was intact when the car was traded into what i believed was a legitimate company. When I was defrauded by XXXX XXXX XXXX XXXX XXXX, I immediately contacted anyone who would help me, including an Attorney by the name of XXXX XXXX XXXX. Who I contracted to help me get XXXX XXXX XXXX XXXX XXXX to comply with my requests, to no avail. During this time Carmax has reported the car as a repo/default on my consumer credit files and refuses to look into this matter. Numerous disputes have gone nowhere. I have and am including the contract from Carmax and the GAP insurance with specificity to the clauses which cover theft or other matters. Carmax may have forgotten that I signed for this and made my payments on time with no derogatory marks. When I need them to look into the matter nothing comes of it. I would ask assistance in this matter by the CFPB to help mediate the matter. To help me get Carmax to comply and conduct an actual investigation into the matter and assist me in getting this error in reporting removed from my files so I can move forward and put this terrible ordeal behind me. The attorney that assisted me during this time was : Mr. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX : XXXX
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29483	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
04/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33023	Web
Fact, the Truth in Leading Act is intended to inform consumers about the cost of credit. Fact, The Truth in Leading Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that CarMax XXXX XXXX, XXXX XXXX CARMAX XXXX XXXX is Violation of 15 USC 1605. ( A ) ( C ). This transaction included a finance charge, and the finance charge includes insurance Which protects the creditor against the Obligors loss and or property damage. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge. Fact, Affiant is aware and has proof in attachment labelled as Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in Violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. CarMax XXXX XXXX XXXX XXXX CarMax XXXX FINANCE In fact took cash as shown in attachment labelled as exhibit A & B Fact, Affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in violation of 15 USC 1611. CarMax XXXX XXXX, XXXX XXXX CARMAX XXXX XXXX Willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. CarMax XXXX XXXX obtained my personal information without my consent, knowledge. pursuant to 1681 ( A ) & ( B ) they have yet to explain how they obtained my information or produced a written contract with a wet ink signature binding both parties instead they furnish deceptive forms.
10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77056	Web
In accordance with the fair credit reporting act Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. On XX/XX/XXXX, CarMax Auto Finance responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30021	Web
XX/XX/XXXX To : Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS. 2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER. 4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER. 5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER. 6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers. To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
09/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90805	Web
I am writing to bring to your attention a concerning matter regarding a collection account held by XXXX XXXX, with the original creditor listed as Carmax. After conducting a thorough investigation, I am unable to find any record of an account in my name with the aforementioned entities. Upon reviewing my credit report, I was surprised to discover an entry from XXXX XXXX, claiming an outstanding debt related to a purported transaction with Carmax. Despite my best efforts, I have been unable to locate any information or documentation pertaining to this alleged account. I have contacted both XXXX XXXX and Carmax, and they have been unable to provide any substantive details or evidence of this debt. In light of this, I am formally disputing the validity of this collection account. I believe that there may be an error or misunderstanding in the reporting process, as I have no recollection of any financial transaction with Carmax that would lead to this debt. Additionally, both XXXX XXXX and Carmax have been unable to furnish any supporting documentation or verifiable information regarding this account. I kindly request your assistance in investigating this matter further and ensuring that my credit report accurately reflects my financial history. I believe that this discrepancy may be negatively impacting my creditworthiness, and I am eager to resolve it as soon as possible. Please let me know if there are any additional steps or information required from my end to facilitate this investigation. I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your time and assistance.
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70785	Web
CARMAX XXXX XXXX IS REPORTING A UNVERIFIED ACCOUNT TO MY CREDIT REPORT. MY LAWYER AND I HAVE REPEATEDLY ADVISED THEM TO VERIFY THE DEBT THEYVE CLAIMED I OWE TO THEM. NOW THAT I HAVE MY LOCAL POLICE DEPARTMENT INVOLVED, I ASSURE THEY DO NOT WANT TO FALSELY CONTINUE TO VERIFY A ACCOUNT. THEYVE REPEATEDLY SENT ME ( STATEMENTS ) DEMANDING I PAY THEM AN AMOUNT TO SETTLE THE UNVERIFIED DEBT REPORTING TO THE CREDIT BUREAUS, YET HAVE NOT SENT ME THE DOCUMENTS IVE REQUESTED. IVE NEVER CONTACTED CARMAX XXXX XXXX FOR A CAR LOAN, I ONLY HAVE 1 VEHICLE WHICH IS FINANCED THROUGH MY CREDIT UNION, WHICH OBVIOUSLY SHOWS 100 % PAYMENT HISTORY. CARMAX XXXX XXXX NEEDS TO PROVIDE ME WITH THE FOLLOWING ITEMS OR DELETE FROM MY CREDIT REPORT : 1. Signed contract with my signature agreeing to pay them. 2. Information used to be approved for their loan 3. Employment information used to be approved for the loan 4. What vehicle was financed. 5. Where was my information taken. 6. who signed my name on the contract. PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country. I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY CARMAX XXXX XXXX OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, XXXX ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!
07/10/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 859XX	Web	Servicemember
On XX/XX/2020, I applied for a vehicle with CarMax and was approved during the initial process, CarMax had contacted me on XX/XX/2020 to discuss the vehicle with me. I provided all proof they needed ( residence, income, and driver 's license ). They claimed I was approved for a loan through XXXX XXXX, which I found out through letter and by calling that they did NOT approve me for loan. At the time CarMax ran my credit for three days in a row with the same companies which kept tagging my credit score, they pulled out of the deal on Tuesday saying my proof of residence wasn't good enough and then later admitted to selling the car that was suppose to be on hold. I attempted to contact corporate with no return calls and emails completely ignored. I contacted XXXX XXXX ( the sales person ) back and she refused to respond and ignored all further contact. I don't feel it was right that my credit was pulled for three days in a row after being told I was approved, the creditor XXXX XXXX said that approved me actually never approved me, this is a form of yoyo financing in my eyes. Some action needs to be taken, the company doesn't even have the decency to apologize and blamed me for their mistake. I ended up getting a newer vehicle for the same price through a lender CarMax claim denied me. This is how I found that CarMax had ran my credit through the same creditor numerous times even after being told I was approved already. Not to mention that this creditor accepted my proof of address, this was a creditor that CarMax said denied me due to not having proof of address, I provided the exact same documents to the other dealer.
01/08/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75071	Web	Servicemember
On Friday, XXXX XXXX, XXXX ( XXXX eastern time ), I contacted Carmax Auto Finance via phone regarding a charged off vehicle which was past due. The agent I spoke to ( who was identified as XXXX XXXX advised of possible repossession as early as XXXX XX/XX/XXXX unless payment was made, cited amount I was unable to pay ( approx {$1800.00} XXXX. I questioned agent on whether the vehicle 'could ' or 'would ' go out for repo without payment on XXXX XX/XX/XXXX. Agent stated it would be assigned for repossession on that date without payment. I escalated to seek other options, but was unable to reach an arrangement. I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX eastern time ) to continue negotiating, spoke with XXXX, who advised me that the vehicle was not, at that time, assigned for repossession. Based on this, I believe XXXX misrepresented Carmax 's intentions regarding repossession to coerce or intimidate an immediate payment from me. I escalated the call, and advised the next agent, XXXX, that I suspected a Carmax representative acted improperly in this manner ( via a UDAAP violation ) and that I intended to follow through with regulatory action. XXXX acknowledged. I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX eastern time ), and advised the agent I spoke to of what I believed to be a UDAAP violation. He spoke with his supervisor, and advised me that the issue needed to be in writing ( thus, refused to proceed via phone ). Based on that, I feel I made reasonable efforts to bring the issue to Carmax 's attention for investigation and resolution, and am escalating the issue via reporting.
07/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60007	Web
I lost my job due to COVID in XX/XX/2020. At that time, CarMax Auto Finance had told me the only options were to defer a payment to the end of my loan. I agreed to do this and was told to call back frequently to see if they would have any other relief due to the pandemic. I called to check in and each time was told that there was no longer any COVID relief available, even though COVID was/is still very much real. I asked what options I had if there were ever a time I could not make a payment by the due date, as I was unemployed and unsure how to make all my payments. I was told that I could make my payment by the following due date to prevent it from being marked late with the credit bureau. I did exactly that. I noticed I had a missed payment reported to the credit bureau and called to inquire about this. When I called, I was told by the representative that she could not believe I had been told I could make my payment by the following due date because that would mean I was building interest that entire time. I was shocked to say the least, since I was never told this. I told her that with their calls being recorded, they could listen to all my previous calls to hear that MULTIPLE people told me to just pay by the XXXX of the following month. I now have so much interest accrued that I owe more than the vehicle is even worth. I have had issues with the actual car since I purchased it, which CarMax is fully aware of. Those issues makes the car worth even less than they sold it to me for, so now they are profiting off of lies and deceit. I have used CarMax for 15 years and am so disappointed in this neglect.
08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06095	Web
On XX/XX/2021 at XXXX XXXX I called Carmax Customer service and spoke with them for 30 minutes and 40 seconds in reference to having difficulty making a monthly payment on time do to death in the family was told that may be able to qualify for program to skip a payment and have it added to the end of the loans term was transferred to and second customer representative in the effort to make that happen only to be told that there was nothing that could be done because I didn't qualify was then told by that Carmax customer service rep that if went online to make to post payment by Sun the XX/XX/XXXX It would not report 30 Days and that have few days extra time. At XXXX XX/XX/2021 I posted A payment with Carmax via Web site for XXXX and Mon At XXXX the finances were deposited into my credit union account to satisfy the posted payment amount.Found out the the XXXX payment was not received on XX/XX/2021 do to a credit alert I then Called Customer At Carmax at XXXX XXXX for 9 minutes and 23 seconds to discuss this alert and the miss information that was given to me on XX/XX/XXXX. I called my Credit Union to investigate Why Carmax Payment was never withdrawn and was told it declined at XXXX XX/XX/XXXX prior to XXXX XXXX My Carmax Account information indicated to payment for the month was satisfactory despite this issue At XXXX I called Carmax for 14 minutes and 45 seconds to Remake the Payment explained the issue... My Carmax Account is showing 30 Days late on my credit report causing my score to drop 40 points. I need this 30 day Derogatory issue to change as soon as possible.
10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76001	Web
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX CARMAX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
06/14/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93727	Web
Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent. I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.
07/26/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30318	Web	Servicemember
I relocated to XXXX GA in XXXX. I alerted CarMax of all of my current and updated addresses as per our agreement. My vehicle was repossessed between XXXX and XX/XX/XXXX due to me losing my job and not being able to keep up with payments for 4 months. It is now XX/XX/XXXX and I have reached out to CarMax to take care and settle my account. The cover page from CarMax is addressed to a XXXX XXXX and not myself. I have now received " copies '' of CarMax 's intent to sell that was originally sent to an incorrect address on XX/XX/XXXX. This certified mailing has a status of : Returned to Original Sender. I did not receive this communication. I have now received a " copy '' of CarMax 's intent to sell dated XX/XX/XXXX via NON certified mailing. I did not receive this letter as it was sent to the incorrect address. I have now also received a " copy '' of CarMax 's alleged Calculation of Deficiency which has an exorbitant 95 % additional costs compared to the stated aggregate amount owed after deducting the proceeds of the sale. This notice also states that CarMax is charging additional " finance charge or interest '' that is being added to the balance. I did not receive any communication pertaining to the repossession of my vehicle, prior or immediately after its repossession. CarMax 's lack of attention to detail coupled with their lack of due diligence has hindered me from obtaining credit. During this time of COVID19 it is imperative that CarMax fixes their broken system to ensure that accurate information is referenced when dealing with their consumers.
01/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33321	Web	Servicemember
I previously had COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/XXXX. Carmax stated that it had rectified the issue, and it appeared that it had. Yet, twice more, the problem occurred. The problem is the removal and seemingly automatic readdition of gap insurance and some maintenance plan. I don't understand how it can automatically be re-added, yet, it keeps happening, which takes my account from being in good standing, to seriously delinquent overnight. In XXXX, as I was assured that it was really fixed this time, I requested a payment extension to XXXX. On XX/XX/XXXX, I made that payment approximately ten days before it was due. When I attempted to make the XXXX payment, I couldn't online. When I called in, I was informed that the account had been charged off!!! I again spoke to the manager, XXXX XXXX, who had previously assisted me. He was as shocked as I was on the current status and began the process to get this rectified again. Yesterday, XX/XX/XXXX, I discovered that Carmax had updated my credit report with this invalid information, causing me to possibly lose the home I'd been preparing to get since early XX/XX/XXXX. This issue has caused hardship for my family and me as our lease ends at the end of this month, and we have nowhere else to go. At this time, Carmax can't be trusted to do as it says it will do. I heap accolades on XXXX XXXX for attempting to resolve this permanently for me, yet, at this time, I feel that only government and corporate-level intervention can fix this. And it may be too late for my family and me as our housing is now in crisis.
04/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21113	Web
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath and I depose the following facts, so be it, now present : I, XXXX XXXX entered into a consumer credit transaction with CARMAX AUTO FINANCE on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and several of my Federally protected consumer rights were violated in the following manner, thus I would like in an act of good faith in this matter please expedite my request to resolve. None of my requests about these violations were addressed but instead the company responded to the debt collection. My focus is on the many violation that occurred while in this consumer credit transaction. I have sent a notarized copy of an Affadavit of truth which was not rebutted with any factual components at all. According to the truth in lending and fair credit repair act, i am entitled to a response to any federal consumer violations. This case can not be closed until you address the many violations that have occured. These are the following violations : 15USC 1605 ( A ) 15 USC 1605 ( C ) 15 USC 1611 ( 1 ) 15 USC 1635 ( A, B, F )
02/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CT 06511	Web
I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of XXXX Carmax Auto Finance sent me a bill which is a violation of 15 USC 1692b. I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. In this transaction there was a cash down payment which CONGRESS said pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer credit transaction and is ILLEGAL. I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 ( 5 ) a finance charge should include premium or other charge for any guarantee or insurance protecting the credits against the obligors default or other credit loss. I have been paying separate insurance for this vehicle and that is a clear violation. Check my consumer credit sale contract and you will not see my insurance involved in my finance charge.
05/17/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 932XX	Web
I went to Carmax on XX/XX/XXXX and purchased a 2010 XXXX XXXX. The car came with a 90 day warranty, and the engine failed literally on the 91th day. Since the summer of XXXX, this car has been parked in my driveway undriveable since it needs a whole new engine. Regardless of the engine failure, I have always made my payments every single month. Approximately in XXXX of XXXX, my credit union XXXX XXXX merged with XXXX XXXX XXXX XXXX, and it caused some problems with the routing # and account #. I was assured by the bank that I could continue to use my same account numbers to make my payments, as I had been for the entire year before. So every month I'd call CARMAX and make a payment over the phone using the same information I've been using. Well due to the merger, my payment was rejected for the month of XXXX, leading to a late payment in XXXX of XXXX. I was never notified by CARMAX of this. By the time I realized what was going on, this account was going on 60 days late and the only reason I found out was because I received a XXXX letter from Carmax. After speaking with Carmax they stated they tried to call me, but the phone number they called was entirely incorrect, it was not even close to my number. I've had the same number for 25 years, so it was not due to me changing my number and not notifying them, they simply had a wrong number and it was not my fault. As soon as I found out about this, the account was brought current. Since then, I only walk into CARMAX and make a payment physically to avoid this from happening.
08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28348	Web
I made my last payment to Carmax on XX/XX/XXXX. On XX/XX/XXXX, I refinanced my Loan through XXXX. A week later I called Carmax to confirm they had recieved the payoff check, They stated that they revieved the check. That is just hadnt cleared yet. The following week ... I went to co-sign for a truck for my son. I learned that they ( Carmax ) still had not cleared the check. So I called them. The same day I recieved a bill in the mail for my next payment. They stated that the check was declinded from XXXX because it was XXXX Short.Carmax never once called me to communicate this issue, even after I called to confirm they recieved the check. At this point I had already made a payment in the new loan with XXXX. In short.. XXXX had to refinance the vehicle AGAIN. Resulting in another inquiry on my report from XXXX. XXXX XXXX was apologetic. I was furious, because I did not want it reported to my credit. Carmax stated as long as they recieved the check within 10 days, they would not report it, XXXX overnighted the check, I recieved it the next day and then I overnighted it to Carmax. They recieved the check within 5 days from the conversation. I called to confirm they had received it. They in fact had, it was in processing. It was paid off by XX/XX/XXXX ( Shoulve been sooner ). Not only did they decline the check over XXXX ... After the payoff, I over paid XXXX ( Thats 2 whole car payments ). This delinquent payment needs to be removed from my credit. Due to the poor customer service and neglect of my documents from XXXX XXXX.
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 455XX	Web
On XXXX of 2019 I reached out to CarMax used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
10/05/2021	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 30281	Web
On XX/XX/XXXX I received a letter from CARMAX AUTO FINANCE accusing I of an alleged debt with an fictitious name attached. Definitions from XXXX XXXX Dictionary 3rd edition : 1. Person- An individual or an organization. An individual man, woman, or child or, as a general rule, a corporation under the negotiable instrument law, an individual or a body of persons whether incorporated or not. The word person in legal terminology is perceived as a general word which normally includes in its scope a variety of entities other than human beings. See e.g. 1 U.S.C. Sec. 1. Church of Scientology v. U.S. Dept of Justice ( 1979 ) 612 F. 2d 417, 425. 2. Straw man- A dummy. An irresponsible bondsman or surety. One made to appear as the owner of record who in fact holds title for another. Per the constitution, ( Article VI ) The senators, representatives before mentioned, and members of several state legislators, and all executives & judicial officers, both of the United States & of the several states, shall be bound by oath or Affirmation, to support this constitution : Violations 18 USC 1341-Frauds & Swindles 26 USC 1275-other definitions & special rules 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666b-Timing of payment ( You cant treat any payment as late ) 12 CFR PART 1026-Truth in lending 15 USC 1666a-Regulation of credit reports 26 USC 6304-Fair Tax collection practices 15 USC 1666d-Treatment of credit balances 15 USC 1692c-Communication in connection with debt collection
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28277	Web
On XX/XX/2023, I did a pre-qualification on the CarMax website, and, after getting my pre-approval terms, I opted out and took no further action. I then received a separate text message from CarMax ( that I first ignored ), then it was sent again, and I said " Yes '' ( just so I can speak to a live representative about the hard inquiry I had just received on my credit file ), and I started to receive even more alerts about a hard inquiry on my credit. When I responded to the same message and asked if a hard inquiry was run on my report, the agent who responded ( who I was later told is not a live person, but a computer-generated response ), the " agent '' never responded and I was never contacted by anyone to discuss the issue or even " the financing options '' that ( I never asked for or went through or agreed to ). What CarMax did was took my pre-qualification and ran a hard inquiry with a lender ( XXXX XXXX ; whom I also contacted ) and took my " Yes '' in the text message as some sort of agreement or permission from me that I never gave or even had the chance to discuss with anyone. I've called CarMax numerous times and left my complaint on their survey, chat, and with more than XXXX CarMax Representative for a Manager to call me back. I'm still waiting on that. Again, I reached out to the lender directly ( XXXX XXXX ) and still waiting on a response. I'm finding out that this is a common practice they do on new customers and finding out, even more, that no one wants to take responsibility for it.
07/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 35806	Web	Servicemember
Despite being told that I was a 30 % XXXX veteran and currently unemployed, Carmax XXXX repossessed my vehicle. This is in addition to the fact that they were notified that the XXXX of Alabama has an extreme backlog of unemployment cases which mine is a part of and has not been resolved as of this complaint despite being filed on XX/XX/2023. Instead of offering forbearance to this XXXX veteran, the only thing Carmax XXXX did was spam my phone with multiple calls per day and any time I did call with an update, their only response was to ask when they would expect a payment. Therefore, in addition to this complaint, the following actions are to occur until Carmax returns the vehicle to my possession : 1. No monetary considerations will be given to Carmax, at all, in the future. If Carmax decides to sell the vehicle, whatever cash they get will be all they get. If they return it, then we can work something out. 2. Complaints will be filed with the BBB for deceptive business practices, with the CFPB for deceptive financial practices, and the VA for deceiving a XXXX veteran with the recommendation that a national bulletin be sent out warning all veterans against doing business with Carmax. XXXX. Bad reviews for Carmax on all social media outlets. XXXX. Carmax is also banned from attempting any contact with me until the car is returned. Additional measures including contacting local and national press are still being considered and may be triggered depending on the outcome of XXXX - XXXX above.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web
The account was initially reported as charged off, and when it was posted to my file as a charge off, I initially disputed the account and got it removed because I never had a car loan with CarMax Auto Finance and, as a result, it should not be reporting as an open account. In addition, the balance was reporting as XXXX. This account is reporting fraudulently on my credit report, and it is also blatantly reporting inaccurately in an attempt to lower my credit score. I also challenged this account and got it deleted. my credit history. Due to their flagrant violations of section 1681s2-b, the data furnishers at CarMax 1 . After being informed of this account, failing to conduct a thorough inquiry Possible inerrancy 2. Reopening this account just to reinstate its previous removal from my credit report ; 3. Listing the sum as a charged-off account on my credit report, 4. Adjusting this account 's date of closure, 5. The prospect of collecting any late fees related to this closed and charged-off account. This violations the Consumer Financial Protection Act, And the Fair Credit Reporting Act. I have tried everything to reason with this company, and dispute these items normally. If necessary, however, I do plan to escalate this to the federal level. I will be in contact with my lawyer. Unless you immediately remove the information from my credit file, I have filed a complaint with your state attorney general as well as the Consumer Financial Protection Bureau. The next step will be to file a lawsuit.
08/31/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 924XX	Web
Car Max has a XXXX XXXX XXXX i offered on their website that I applied for an had on hold for a few days. It has come to my attention that Carmax has been submitting my information to lenders with out my permission. I have received emails from two different lenders denying me credit I have never applied for. I have received a notice from santander as well as XXXX XXXX XXXX who I have never heard of in my entire life. This is once again a violation of my fifth amendment rights. Carmax has committed identity theft and has used my private information for public use. This is a violation of the Takings Clause and I do not consent to Carmax using my personal information for their benefit. I would like the CFPB to investigate this matter with a fine tooth comb and provide me all the submissions that were submitted by Carnax. The information presented to the companies are totally wrong but my social security number was used and the registered fictious name was used as well. I alledge that Carmax is committing securities fraud against my Estate and should be punished to the highest extent of the law. The disregard for my rights are evident as a representative of carmax did not consult with or discuss any intent when using my information. Infact the car I was trying to buy was in Arizona but the reports of are coming from XXXX, CA. These are two different locations of the franchise. Carmax XXXX, CA is committing Securities fraud and the SEC, XXXX, And FTC should be called into investigate.
09/28/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	GA 30019	Web
My name is XXXX XXXX this complaint is in regards to vehicle titled under CarMax Auto Finance under VIN # XXXX. CarMax Auto Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in CarMax Auto FINANCE automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. CarMax Auto Finance are now breaking the law and could be held criminally and civilly liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to CarMax Auto Finance 's address.
05/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30741	Web
On XX/XX/XXXX I purchased my XXXX XXXX XXXX XXXX ( Loan # XXXX ) from Car Max XXXX in Oregon ( car was bought under the business with myself as co borrower ). I decided to use Car Max Finance because I liked the ease of being able to use all of the online features to manage and pay my loan. Since that time I have never once been able to log into my online account. I am only able to pay my bill over the phone with a live representative ( unable to use the automated system ) or go into a local Car Max to pay. This is inconvenient, unethical, and not what I signed up for. I signed up for a modern car loan in the year XXXX with online management options. Despite my attempts ( XXXX total ) to address this issue with Car Max Finance directly with their representatives and through their surveys, even getting so far as management and the " business office, '' absolutely nothing has been resolved. On their end the data to sign into the account is wrong. I have all of the correct data ; to include, loan number, social security, and date of birth. I even obtained the incorrect date of birth for my business they entered into the original loan documents. Car Max Finance has been negligent in addressing this issue which should have been handled immediately at my first report of the issue. I have done my due diligence to resolve this issue and pay my bills on time despite their complete lack of regard for me as a customer. I need access to my online loan account immediately.
03/09/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 701XX	Web
XXXX XXXX Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like XXXX insurance if possible under the Consumer Protection Act Title 15 U.S.C 1662 no advertisements to aid directly nor indirectly installments or downpayments credit transaction failed to conduct a reasonable investigation pursuant to Federally Protected Consumer Rights notice of The violations i assert and atest single cause of action stimming fromnumerous and multiple willful, reckless or negligent violations of the FCRA ECOA TILA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) they made me get multiple unknown inquiries on my credit profiles after I was already approved they shopped and shipped my information illegal with my authorized nor consent please investigate each code violation and enforce them. 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 I invoke my right of rescission to rescind the void or voidable contract
07/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29485	Web
I called in XX/XX/XXXX or XXXX 2022, to get assistance with my XXXX payment explaining this was my first day back to work since my daughter having XXXX for 3 weeks and myself getting it within the last 7 days and being in and out of the XXXX with my daughter. I asked if there was any help since my work does not cover XXXX unless my child and myself had the booster shot. And my first paycheck wouldn't be until the XXXX. I was declined and told I just need to make the payment by the XXXX or it would go over 30 on my credit.i explained I could make 2 payments with my paycheck on the XXXX but was told they had no assistance available because I hadn't made 12 consecutive payments and that they couldn't extend my payment to be due on the XXXX. I am very disappointed because I had no way to make the payment since my daughter was in and out of the XXXX with XXXX and I was able to make both payments on the XXXX. Now my credit has been affected which now caused my credit card to close my account. They offered no help for the circumstance and stated I could borrow the money and pay it back when I got paid on the XXXX. As soon as my paycheck came in which ended up being on the XXXX I made both payments like advised I would be able to do. I would like the delinquency for XXXX reported in XXXX removed. They should have been able to provide some kind of assistance or at least moved my payment to the XXXX so I could make the payment without it hurting my credit.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07093	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
01/20/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	IL 604XX	Web
I experienced discriminatory practices at the CarMax Dealership in XXXX XXXX, Illinois on Monday XXXX XXXX, 2015. I called the CarMax to inquire about a vehicle financing. I spoke with an agent by the name of XXXX. I am an attorney in the Illinois area and sought to purchase a vehicle from CarMax. I have very good credit noted to be in a range over XXXX. As such this would qualify my for some of the more competitive interest rates. When offered credit by the Carmax, I was told that I would only be eligible for a 13 % interest rate from available lenders. I have seen several other individuals with similar credit scores receiving much more competitive rates from the same establishment. I investigated the available rates for scores such as mine and found that they should not be offered above 3-4 % in my area. I was further told that if I added an additional down payment, I could lower my rate. Two days later I went to a reputable dealership and was given an interest rate of 2.2 % with the same credit score and a better quality vehicle. I certainly would not return to this chain in future. I have never been offered an interest rate so ridiculously high. Nor have I seen other individuals with similar scores offered such a thing. When I confronted the dealership about the offer, they blamed it on the lender. I see evidence of discrimination here and would like this investigated. I may also be pursing this issue legally with the Illinois Attorney General.
07/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85212	Web	Servicemember
We, XXXX XXXX XXXX and XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order, which clearly states at the bottom that it is a negotiable instrument that we bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$12000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Carmax Auto Finance on XX/XX/XXXX. They accepted our instrument but did not credit our account. I, XXXX, did call on XX/XX/XXXX and spoke to a supervisor name XXXX to inquire why our Ambiguous Negotiable Instrument was returned. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what we provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. We are filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. We also provided reading material on 'The Bank Act of 1933 '. All attachments have been mailed off to the company.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30341	Web
In response to claim # XXXX through the CONSUMER PROTECTION FINANCIAL BUREAU CARMAX AUTO FINANCE claims they are not violating the cease and desist notice that was sent to them by me via certified mail. CARMAX AUTO FINANCE has sighted the Gramm-Leach-Bliley Act as grounds for their ability to report my non-public personal information. The act clearly states : You must give consumers and customers a " reasonable opportunity '' to exercise their right to opt out, for example, 30 days, after you send the initial notice either on- or off-line, before you can share their information with nonaffiliated third parties outside the exceptions. For an isolated consumer transaction, like buying a money order, you may require your consumers to make their opt-out decision before completing the transaction. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. I was never given the option to opt out as stated by law. I am OPTING OUT OF CARMAX AUTO FINANCE SHARING MY NON-PUBLIC PERSONAL INFORMATION. CARMAX AUTO FINANCE alleges that communication of this alleged debt trough the credit reporting agencies is not communicating with me however, it is communicating with me, whether directly or indirectly, which is clearly a violation of the terms of a cease and desist which clearly states ANY medium.
12/30/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30021	Web
Dear XXXX XXXX, I have a question do Carmax participates in truth in lending? If so persuant to 15 USC 1662B & 15 USC 1635, when making a consumer credit transaction, NO cash can be exchanged after I have extended my social security number and extended my credit which covers the entire transaction amount ( FINANCE CHARGED ). Its illegal for Carmax to charge me a down payment of {$5000.00}. Thats fraud. I have a copy of these violations on the attach highlighted in color Yellow. Which clear states the violation several times. Reference case XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) page XXXX U.S. 551 Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, bale said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreement. Because of what appears to be lawful command on the surface, many Citizens, because of their respect for what appears to be law, are Cunningly coerced into waiving their rights due to ignorance. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( XXXX ).
01/09/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 38125	Web
My bank account was compromised for the second time with XXXX XXXX, sent Carmax the bank document that stated as such that caused my payment to be returned. The first time they corrected it with no problem ( correspondence attached ), the second time I get a letter stating that they can not correct the information. Not only that, I received an extension and they continued to call me and state that my account was past due. I had a XXXX and a XXXX XXXX in XXXX and when I initially called to let them know this, I was told that my request for an extension would not be approved because my loan always ran 20 days behind. I told the lady that I knw that but that it had never been 30 days late because I had to purchase an additional {$800.00} in medication per month now and that it was a struggle for me to make these payments. I then mailed hem a check in the amount of {$1100.00} and they put my car out for repossession. I called to tell them that my check had been cashed and yet my car was out for a repossession. the lady on the phone told me that it had been posted as XXXX lump sum payment and that she had to request it be broken out and credited properly. This lady did listen to me when I told her about my health situation and was kind enough to extend my payments through XX/XX/XXXX2016. This has been nothing but a headache and needless to say this is not my first car loan through car max, but it will be my LAST! POOR Customer Service!
08/04/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA XXXXX	Web
I have had my {$430.00} auto loan payment with car max finance for 2 and 1/2 years and up to XX/XX/2020 I have been current with my payment. Due to coronavirus impacts I have been unable to work and have depleted my savings paying rent buying food and making my car payment so I have {$0.00} money left and since XXXX have fallen behind on my rent and car payment. I reached out to car max asking for some help letting then know I was unable to make my XXXX payment due to work problems related to covid 19 and if there was anyway to get some help or delay my payment. I spoke with a representative in XXXX asking for help and letting them know my finances and I was told due to no form of income they would bot help me ... .which makes zero sense because if i was able to find work why would I need help putting off the paymet? The people who need help are the ones being effected by the coronavirus and have lost jobs or are unable to find work due to the shutdown of the economy! It makes no sense that I can not get help because I have {$0.00} income at the moment but for the last 2 1/2 years been current with my payments! I need help so my car that ive worked so hard to pay on the loan for the last 2 1/2 years dose not get taken back with only a year and a half left of payments till I own it. Its sad that Car Max Finance cares so little about their paying customers that they are unwilling to help put off payments in this troubled time!
08/19/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
I have three auto loans with CARMAX AUTO FINANCE : ACCT # XXXX, ACCT # XXXX and ACCT # XXXX. CARMAX AUTO FINANCE is in violation of the FCRA and XXXX Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions the consumer and the person making the report ; or experiences between On XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report. On XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report I submitted a written dispute regarding this on XX/XX/XXXX via USPS CERTIFIED MAIL TRACKING NUMBER # XXXX TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX and have not received a response or an update on my consumer file. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports Under 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
06/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33612	Web
Ive agreed to pay the alleged debt so as a consumer should, I requested Carmax to fill out the paperwork I sent requesting the name, address, contact & signature of the creditor 3 times. Yet they refused to give me that information. Instead theyve decided to no longer protect my private personal information by selling it to third party venders influencing them to steal my vehicle, causing me to lose my job and my financial stability in the process which is a violation according to 15 USC 6802 ( b ). Theyve also made derogatory statements on my credit file which have denied me access to credit cards & employment to several different jobs all within the span of 3 months which is a violation under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. 15 USC 1662 states I wasnt supposed to put down any amount unless that amount was usually & customarily arranged so being swindled by the words how much are you willing to put down was not fair by any means. Aware of the fact that no form of cash what so ever should be put towards the finance charge I was totally unaware of the fact that my {$3000.00} wouldnt show up as a payment towards my vehicle if all other charges, fees & taxes are to be paid in the finance charge. As a Consumer I made sure my request where not inconspicuous or shady by any means while Carmax has violated my consumer rights by using tactics and information that I werent told or disclosed to me.
08/11/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08520	Web
I received a car loan from Carmax XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of XX/XX/XXXX. Most importantly I have obtained a full payment history from the Carmax website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35022	Web
On XX/XX/2022 I did the pre-qualify section on Carmax XXXX website to potentially obtain financing for a new vehicle. I only did the pre-qualify section. It clearly stated that a prequalification would not be a hard pull on my credit. I never did a credit application. I went to the carmax store in XXXX alabama and spoke with XXXX the sells manager and he pulled up my pre-qualification on the computer. He saw where i did the prequalification online and also saw where i did not do a credit app. The next day i receive a text from a Carmax associate named XXXX. He stated that he was reaching out to me to see about selling me a new car. I never spoke with him nor texted him back. About 20 minutes later I received an alert from my credit monitoring app on my phone saying that you have a new inquiry from CarMax. I reached out to Carmax corporate office to address the issue and explained that i did not do a credit app but somehow my credit report ( XXXX ) was hit with an inquiry from Carmax. The prequalification section clearly states that no impact will be done to your credit. I received an email from XXXX at carmax corporate office saying that sometimes inquiries happen on pre-qualifications. A pre-qualification and a credit app are two totally different things. Carmax is not willing to remove this inquiry that they placed on my credit report fraudulently. The act like its no big deal, and they are hurting my credit.
04/21/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21228	Web	Older American
I called the number on my statement 3 times. The first 2 times, there was no one available to answer my questions. I asked for someone to call me back and that never happened. The phone is answered by people who seem young and uneducated as to the nature of their job. I know companies these days like to hire young inexperienced people who they don't have to pay. So maybe that's why. I remember when companies had integrity, What a shame. Yesterday, XX/XX/2021, I spoke with a woman named XXXX who ended up hanging up on me while I grew increasingly frustrated by her non-sequitur answers after being on hold for 20 minutes, waiting for what ended up being not only NO help but further stress and confusion. She did not know if extra payments were applied to principal or interest. " It depends '' was her answer and she seemed to suggest that a few late payments were responsible. I had handled those late fees by phone when they happened. I'm sure a few late days did not eat {$900.00} The issue : Additional payments were made on my account totaling {$900.00}. Nevertheless, I still owe the full payment as if I made no additional payments over the course of the loan. I only have 2 months left on the 60-month loan and when I re-calculated an amortization schedule, It shows that I owe next to nothing ( {$5.00} ) for the last 2 months, which makes more sense than the balance shown on my statement owed- which is {$680.00}
07/16/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 90301	Web
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1602g .CARMAX has violated my federally protected consumer rights, knowingly and willingly giving false and inaccurate information as pursuant to 15 usc 1611 ( 1 ) in connection with a consumer credit transaction and the consumer credit transaction application. I am the consumer, the natural person and original creditor it is my right to extend credit as pursuant to 15 usc 1602 ( f ) CARMAX unlawfully again violated my federally protected consumer right .As pursuant to 1605 ( a ) the finance charge does not include charges of a type payable in a comparable cash transaction.And yet CARMAX furnished deceptive forms as pursuant to 15 usc 1692 ( j ) to create a false belief that a person other than me, the natural person the original creditor would be participating in collection of an alleged debt .And presented the forms to me as " finance options '' stating that I the consumer the original creditor needed to make a downpayment, in order to exercise my right and extend credit. CARMAX unlawfully discriminated against me as pursuant to 1691 ( a ) ( 3 ) when I was denied my right to extend credit as pursuant to 1602 ( f ) without a cash down payment. I have sent an affidavit certified mail along with Exhibits and a invoice. I can't believe this type of direct disregard for my federally protected consumer rights has taken place.
01/15/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 32258	Web	Servicemember
On XX/XX/XXXX I called XXXX XXXX XXXX to make a payment on my car. I advised the representative, that I have been out of the country and I have tried to pay online several times, but the system was not allowing me. I am now 31 days past due ( Back home in the US ) She looked in to it and found out the reason the online portal was not allowing me to make a payments was because of an invalid address. I have mentioned to Carmax in the past that I am in the process of moving, that currently I did n't have an address. She insisted that I can not make any payment until I update. I gave her my parents address. Representative also mentioned that Co- Borrower Keep on returning mail to Carmax . I advised them in the past about this issue. Co- Borrower lives in a XXXX/old people home. He does not receive mail there so that is the reason why Carmax is getting " return to sender '' mails. I feel like I should not be penalized for not making the payment since the online portal did not have a clear message to why I could not make a payment. Carmax is now reporting me late, but this was because of them. I tried to make a payment several times. I was out of the country I could not make a phone call, online was the onlyway I could make a payment. Carmax should not have that feature if not available at all times. This is the first time my account went to 30 days past due. I am almost finished paying this car off.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 974XX	Web	Servicemember
While XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX as an XXXX XXXX my vehicle was in storage on XXXX XXXX in Florida. XXXXXXXX XXXX XXXXXXXX XXXX who at the time had a contract to perform wrecker services at XXXX XXXX went onto the XXXX and stole my vehicle from the XXXX 's storage lot. UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF FLORIDA PENSACOLA DIVISION Case No. : 3:16-cv-00713-MCR-CJK DANIEL ENSLEY, Plaintiff XXXX v. GENES WRECKER SERVICE, INC., Defendant. This case was processed under the Service Members Civil Relief Act ( SCRA ) and the plaintiff ( myself ) won the case ( Vehicle was stolen in XXXX and amended final judgement entered on XX/XX/XXXX ). XXXX XXXX XXXX XXXX closed their business to avoid paying out the court ordered judgement and to avoid being held accountable to Carmax as it related to them acquiring the vehicle and hiding this from Carmax by requesting a new title for the vehicle. Both myself and my legal representation informed Carmax of the case as it progressed and Carmax made no reasonable effort to aid or to do their own due diligence to protect their investment and their vehicle, by their own laziness and ineptitude they pinned the loss of the vehicle on me and " washed their hands of it '' to avoid the effort that would have been required for them to protect their vehicle and their consumer. This case can be found with an online search of the case number.
09/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	LA 70802	Web	Servicemember
XX/XX/XXXX CARMAX INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General of Louisiana This is an initial communication to notify CARMAX INC that I, XXXX XXXX XXXX, consumer, have recently discovered adversity within the transaction associated with contract number XXXX During this consumer credit transaction initiated and consummated on XX/XX/XXXX I was asked by CARMAX INC to remit a down payment of {$1500.00}. Pursuant to 12 CFR 1026.18 in conjunction with 15 USC 1605, the amount financed is the sum of all charges in the dollar amount. The respective statute also affirms that The finance charge does not include charges of a type payable in a comparable cash transaction. Upon review of my retail installment contract, I noticed that the alleged required down payment is listed and acknowledged as a cash payment. Pursuant to 15 USC 1611 and 15 USC 1640, CARMAX INC, are both civilly and criminally liable for said violation of my federally protected consumer rights. In exercising my rights as a consumer, I hereby demand that within 15 days of receipt of this letter, my down payment of {$1500.00} is made payable to XXXX XXXX XXXXXXXX and mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved UCC 1.308
04/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30341	Web	Servicemember
I have contacted both XXXX, and XXXX by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX and XXXX have. They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.
02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web
I fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. The company Carmax Auto Finance did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both XXXX and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from Carmax Auto Finance. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance Carmax claims I owe which is {$6500.00}, while XXXX shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.
12/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20785	Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CARMAX AUTO FINANCE Made on : XX/XX/2017 Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MI 48315	Web
On XX/XX/XXXX I sent a letter to Carmax about the inaccurate information about the amount that was owned by me and a spouse at the time. I asked them to send me paper work in regards to the vehicle being repossessed in the cities of XXXX or XXXX XXXX, MI and why I was not notified about this matter and how much was it sold in the amount of. I did some investigation and saw it was sold back on XX/XX/XXXX but with no amount as to how much. I then sent a letter to CARMAX give them 15 business days to respond back to me on the matter. I received no responds back. The three credit bureau 's shows even more in-accurate information as in high balance being {$13000.00}, Balance {$5400.00} and showing collection/ charge off with no comments showing repossessed and what it was sold for. Carmax is still growing interest on my credit report and at 13.05 % interest rate and the payoff balance is {$8800.00} as of XX/XX/XXXX, subject to change. On XX/XX/XXXX I sent a letter to all 3 credit bureau 's with a dispute of all the in -accurate information showing on my credit they did a investigation and the only thing i received was an update but nothing changed. XXXX never respond to me at all about the dispute. For every matter I sent a certified letter with the post office also. There is no dispute with XXXX at all also. XXXX did only an update of the same information that was already there.
10/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32937	Web
I have reached out to Carmax as well as the Credit Bureaus by mailing them letters and speaking to them on the phone to dispute the information being provided to my credit file. Carmax is reporting the following inaccurate information on each credit bureau 1 ) The Balance Owed, 2 ) The Highest Balance amount, 3 ) the date opened and 4 ) the last payment made on this account. These inaccuracies are harming me and my ability to obtain affordable housing, and other important necessities and this is an intimidation tactic, even though I made arrangements with them to pay my balance and have been honoring this agreement by paying them monthly. I have bank statements to prove that they are receiving a monthly payment and not reporting them, and reporting an inaccurate balance. As they continue to choose to report inaccurately, I am requesting that they delete all information completely from all the Credit Bureaus Immediately. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19116	Web
This letter is in response to your letter XXXX see attachment below ) on XX/XX/2021 related to the CARMAX XXXX XXXX debt. I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt for {$8000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$8000.00} payable to CARMAX XXXX XXXX in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of CARMAX XXXX XXXX. The letter will be treated as a contract and subject to the laws of my state.
05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08021	Web
In XXXX of XXXX I was forced to resign from my job due to COVID 19 pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to resign for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XXXX payment on times as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my disruption to XXXX and attempt to get my late payments from XX/XX/XXXX to XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it.. I have attached photos to show my last payment for the big {$1400.00} lump sum catching up and showing that my account is now current.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85281	Web
XX/XX/2021 I contacted CarMax and allowed them to run my credit as I was trying to buy a car and my credit I was trying to rebuild which I made vary clear to them, long story short, I was approved for a vehicle, when it came time to arrange delivery of the vehicle I told them I would pick up in XXXX, when I called to make arrangements a manager spoke to me and said when you get here I need you to sit at my desk and pull up your bank information in front of me so I can verify everything, I was blown away after I told him what I felt I backed out of the deal, it was clear they profiled me I know this because I have been to prison once for identity theft, which I paid my debt and never repeated, then they proceeded to run my credit over 52 times after I was approved, the CARMAX dealership in XXXX is where all those inquiries came from and I live in XXXX, I've spoken several times to CarMax customer relations I fully admit I did about 15 applications during that time looking but not the 72 times that has appeared and partially still appears on my credit report, I was at a XXXX rebuilding those and partially my efforts took me to XXXX I still need a car and this is delaying it I have my own business on the side and can't do it or get to my job, this the pandemic, the, XXXX XXXX dealerships, it's just like parole it's not set up to help a person who wants to succeed do that.
10/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 92532	Web
On XXXX XXXX I signed a contract agreement with Carmax, which they advertise to me that I need a downpayment in order to purchase the vehicle, 15 USC-1605 States, no cash should be used in a consumer credit contract or a retail installment contract, which is a violationt, 12 CFR 1026.18 rules are that all charges are in the finance charge, and other fees that was charge, which Carmax did not disclose to me, also Carmax Auto is the seller and holder of the contract, so is subjected to civill under 15 USC 1640, or criminally liable, they have violated TILA by not adhering to the laws, Carmax reported to my credit profile that the contract is a loan but yet they have on the contract that it is a retail installment contract, and in contrary to that the CFPB states that a retail installment contract is different from a loan, so once again Carmax is deceptive in reporting on my credit report profile, 15 USC 1681.2 ( a ) ( 1 ) ( bII ) states persons shall not report false an inaccurate information relating to consumer or consumer reporting agency. On XXXX I sent a letter of XXXX with an affidavit to Carmax and got no response, I gave them a chance to rebut, which they did not. they have dishonored the contract and will be held liable. the contract is deemed null and void. and I will be including the right to sue for double the finance charge pursuant to 15 USC 1611.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39759	Web
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please accurately including every notation, date, and balance whether reported or not. [ Carmax Auto Finance ] [ XXXX XXXX ] I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.
05/28/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 91790	Web
CarMax auto finance has taken advantage of our family, gave us a high interest rate, we have paid over 4 years now and tried to work a settlement offer and refinance for a lower payment and they will not cooperate whatsoever. We are having financial hardships, my husband has been on XXXX leave and I am a XXXX XXXX XXXX that works only 9.25 months a year. We have tried to contact the company with a reasonable settlement to deliver the car as a voluntary repo with a settlement paid status so they do not come for the balance since the car has been paid in full from the price sold, they can still sell it and make more money off the interest. We have spoken to over XXXX customer service representatives and XXXX managers and have had no luck in getting any type of arrangement made in writing. They will not work with us at all and are very unhelpful. We feel they have discriminated against us because we are minority with this high interest rate and we have paid and made payment arrangements in good faith. They are unwilling to help our family in need we have XXXX children and my husband still remains on XXXX. We feel the offer was fair and given our circumstances and true inability to pay any longer and our family is now in a desperate situation requesting the company 's assistance to come to an amicable arrangement. We know it can be done and has been done.
04/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 945XX	Web
I am sending this complaint because I am very concerned. There is a 60 days late remark reported on my account on XX/XX/XXXX. I want to explain what really happened. There was a third-party company that committed a big mistake. I want to emphasize that I had more than enough funds to make the payment. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. When I realized that the payment was not completed, I immediately made the payment and now I have a perfect record of on time payments. What really happened : This company mistakenly debited my XXXX XXXX account twice for my XXXX Mortgage account on XX/XX/XXXX for two payments of {$820.00} and the Carmax payment of {$590.00}. In total, they were supposed to pay {$1400.00}. This was the reason why my Carmax payment was not completed. I had to contact XXXX directly to get the payments reversed! I am requesting an adjustment of this late remark and get it corrected or reported as no data. This situation is killing my credit score and I am not able to get a home. This was a situation that I could not control. I have never been late on my account. I hope I can get a positive response from your company. Account information : Account name : Carmax Auto Finance Account number : XXXX Date Open : XXXX XXXX Thank you.
05/24/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 92392	Web
I purchased Gap Insurance for my XXXX XXXX XXXX. My car was a total lost by XXXX insured : XXXX XXXX ( Claim number : XXXX ) Date of loss : XX/XX/XXXX Date of mailing : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX to submit salvage amount. XXXX has completed request last year. XXXX XXXX XXXX XXXX , XXXX has not made the adjustment to my credit report. They have the police report and has allowed the car to remain at the tow yard since XXXX. I can provide correspondence of me asking what next and schedule phone calls. XXXX XXXX XXXX XXXX , XXXX has not reached out. " Dear XXXX XXXX XXXX, XXXX : Per our conversation today XX/XX/XXXX I am confirming XXXX XXXX XXXX did `` not '' owner retain the XXXX XXXX XXXX Vin # XXXX. There was a Policy Limits issue. Our insured 's policy limits was a policy max of {$5000.00}. We did " not '' pick up the vehicle from XXXX XXXX XXXX. The settlement letter reflects a salvage amount, however XXXX XXXX did " not '' retain the vehicle, and XXXX did not salvage the vehicle. This vehicle was not picked up due to avoiding any of the {$5000.00} being reduced from CarMax 's amount. The max was paid to CarMax. No salvage was taken, I do understand it is listed in my breakdown, it is listed to show what the salvage " could have been '' only. Sincerely, XXXX XXXX Claims Team XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
09/15/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 315XX	Web
The car was a XXXX XXXX XXXX. All of these vehicles had recalls on them and transmission problems. I was overcharged for the vehicle with an extended warranty that was {$1700.00} odd dollars. The warranty never addressed my issues with the transmission or my concerns with the car they only replaced my battery once and I paid out of pocket for it. When asking to trade the car in for a newer vehicle they advised they would reimburse the warranty because I never used it. Fast forward and lost my job and the car was repossessed in XX/XX/XXXX. The car was sold at an auction for {$1600.00} and they are now telling me that the balance owed plus taxes, fees, and interest is {$5700.00}. My credit report shows {$3600.00} owed on the car and everytime I call and speak with them they wont help. They only reimbursed {$200.00} odd dollars for the extended warranty that was purchased and not used when they agreed to reimburse the entire {$1700.00} odd dollars. They also never sent me an intent to sale the car at an auction or the sale itself. I had to call them to find out the car was sold for {$1600.00} at an auction and they are still trying to overcharge me or stick me with a balance of {$5700.00} on their records and {$3600.00} on my credit report. Please help me get this resolved or removed because it is negatively affecting me and they dont care to help.
04/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19143	Web
Dear Consumer Financial Protection Bureau, I am writing to report a potential issue with Carmax Auto Finance and their failure to provide notice of any claims that they may have against me for causing injury, casualty, deficit or debt. As we approach the end of the fiscal year, I want to ensure that I am aware of any claims that may exist before closing out my accounts. I have contacted Carmax to request that they provide me with notice of any claims that they may have against me, but have not received a response. I have requested that if they have any evidence that I have caused injury, casualty, deficit or debt, they provide me with a detailed explanation and documentation of such claims. However, if they are unable to find any evidence of such claims, I have requested that they zero out all accounting and provide me with notice of how they would like me to report our services together. I am willing to report my payments to them on either an A1099NEC or 1099 miscellaneous form, whichever they prefer. I believe that Carmax 's failure to respond to my request for notice of any claims may be a violation of consumer protection laws. I would like to request that you investigate this matter and take any necessary actions to ensure that Carmax is following all applicable laws and regulations. Thank you for your attention to this matter.
05/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77017	Web
I have a used car auto loan with Car Max Auto Finance ( CMAF ). When I pay more than the amount due, CMAF " holds '' or escrows the money instead of applying it to the principal balance. CMAF states on it's monthly statement " Please call use if you prefer that we only apply excess payments to your principal balance without further advancing due date ''. CMAF refuses to honor this request on the account and insists that I call every single time I want excess funds applied to the principal balance. On XXXX XX/XX/2023 I spoke with " XXXX '' at CMAF who applied {$890.00} of money to my principal balance of approximately {$9400.00}. I believe CMAF is engaged in billing practices which unjustly increase the interest paid by consumers over the life of the loan. CMAF continues to earn its full interest on the loan by " holding '' the money interest free. When asked CMAF employees had a difficult time telling me who the regulator was. They stated that they follow FDIC practices and seemed confused when I let them know FDIC is deposit insurance for bank accounts. I have never been late on my loan and intentionally pay more than the amount due to reduce my interest expense and pay off my loan earlier. I find it infuriating that I have to call them if I don't want to give them free use of my money until they apply it to my loan.
02/01/2022	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30052	Web
CFR Violations This correspondence is in regard to violations of Coded Federal regulations committed by CARMAX. I, XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as stripping my comfort and jeopardizing my security. It is inconsolable to learn that CARMAX does not operate with integrity. This correspondence is also in regard to adverse action committed in XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ). These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspiracy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both.
06/04/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70785	Web
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the CARMAX AUTO FINANCE account from my credit report! The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by CarMax, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. Attached is documents sent by CarMax, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
11/09/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21215	Web	Older American
1. On or about XX/XX/21, I received the attached XX/XX/21 statement which clearly states : a. there was NO amount due b. the principal balance was {$760.00} c. the Amount Paid Ahead ( i.e. " excess payment amounts '' ) was {$500.00} d. I called Carmax on XX/XX/21 2. After several lengthy holds while the customer service agent discussed this matter with her supervisor, she finally returned to the phone and after another lengthy discussion, she agreed that the aforementioned " Amount Paid Ahead '', ( i.e. {$500.00} ) would be applied toward the Principal Balance ( or {$760.00} ), leaving a balance of {$260.00}, which I promised to pay, and did, by XX/XX/21. I did. 3. On XX/XX/21, when I looked at my account, it showed my account balance was still more than {$500.00}, eventhough I had paid {$760.00} ( excess payment amount applied was {$500.00}, plus my direct payment of {$260.00} on XX/XX/21. 4. CarMax is " taking '' my excess payment amounts '' by alleging that that {$500.00} was " posted '' to the XX/XX/21 and XX/XX/21 payments. This is a ludicrous and untenable position, since the statement shows no balance due. Those excess payment amounts are mine, not CarMax 's. 5. CarMax has engaged in fraudulent business practices, has, in effect, extracted a prepayment penalty, and is collecting excess finance charges.
11/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75035	Web
THIS COMPLAINT IS IN RESPOND TO THE COMPANY 'S LETTER THAT WAS SENT WITH NO DATE NO. AN ORIGINAL DISPUTE WAS FILED REQUESTING A REFUN FOR THE WARRANTY THAT WAS SOLD BY CAR MAX, NOT THE VEHICLE BUT THE WARRANTY. CARMAX SENT A RESPONSE STATING I REQUESTED A REFUND FOR THE CAR, LIES. WHOEVER RESPONDED TO THE COMPLAINT OBVIOUSLY NEEDS LESSONS ON COMPREHENSION. WHEN I WAS SOLD THIS CAR, I WAS THE EXTENDED WARRANTY WOULD COVER EVERYTHING, AND I WOULD NEVER WORRY ABOUT OUT OF POCKET COSTS FOR MORE THAN XXXX DOLLRS OR SO, WHY? BECAUSE CARMAX 'S WARRANTY WOULD COVER IT. I WAS TOLD THIS WARRANTY WAS THROUGH CARMAX NOT A 3RD PARTY, TILL THIS DAY I DON'T KNOW WHAT THIS SO CALLED WARRANTY COVERS, I HAVE ASKED FOR INFORMATION VIA PHONE AND WHEN I RECENTLY WENT TO MAKE A PAYMENT AND IT STILL WAS NOT PROVIDED TO ME. I AM PAYING FOR SOMETHING I AM GAINING NO BENEFIT FROM, EVERY TIME THERE IS AN ISSUE, I AM TOLD THE WARRANTY THOSE NOT COVER IT, BUT FACT IS DURING THE PURCHASING PROCESS I WAS TOLD OTHERWISE. I WANT A REFUND OF THE WARRANTY BECAUSE I WAS LIED TO PURCHASE IT BUT NOW I AM BEING GIVEN THE RUN AROUND. IF YOUR SALES PERSON GOT THE INFORMATION WRONG, THAT I SON YOUR COMPANY NOT ME, I KNOW WHAT I WAS TOLD, THAT IS WHY I BOUGHT IT IN THE FIRST PLACE. THIS COMPANY NEEDS TO BE LOOKED INTO, THIS IS UNACCEPTABLE ON MANY LEVELS.
02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78154	Web	Servicemember
I called in 2017 to Carmax and attempted to make a payment over the phone with a debit card. The rep advised that they could not take a payment over the phone with a debit card and that I would need to provide my checking account information. She stated the only way I could make a debit card payment was at a carmax location. I advised her that I was overseas and my checking acct was frozen so ach nor checks will not process at the time. The debit card was the only way I would be able to pay at the time since I couldn't visit a carmax location. The agent said she would notate my account. The agent tells me to call on day 31 every month to make my payments because the account would show delinquent and at that point the system will allow a debit card payment. The agent even advised as long as I wasn't 3 months behind, I did not have to worry about a repossession of the car. The rep never once stated that her advising me to pay the payment on day 31 would result in negative reporting given that was their solution to my situation. I consistently paid for a year on day 31 under the direction of the agent. I have disputed the reporting numerous times with carmax who refuses to look into the call or properly investigate. I am requesting for the late payments to be removed because thats what their rep advised me to do.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23502	Web
On XX/XX/2019, Carmax repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. Carmax sold my car in auction. I defaulted on XX/XX/2019. Which means Carmax received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, Carmax has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.
01/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA XXXXX	Web
On XX/XX/2020, CarMax repossessed my car before the date it was due, according to what they told me on the phone, which was the XXXX. I was ready to pay one of my installments on Friday the XXXX. They asked me why my payments were late and I told them that I lost in one week, two clients that were putting food on the table. I even asked them to move one of the installments to the end of the contract, because I was going through financial hardship ( I told them this MANY times in MANY phone calls ), which would help me to get up to date and they always refused to help me, because they said that I didn't apply for that kind of help. However, after the car was repossessed, they offer me to defer all the fees to the end of my contract as a " one time courtesy ''. I asked them " Why do you want to do that now, that you repossessed my car and NOT when it could have helped me to get up to date? '' Their answer was that it would be because I'd get up to date with the payments, to which I said " I would have gotten up to date, had you allowed me to do it, when I mentioned to you that I was going through financial hardship ''. I dispute this abusive maneuver by CarMax. They took my only means of transportation, before the time I was told by MANY reps over the phone, without giving me ONE chance to fix this.
09/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92532	Web
I have an ongoing issue with Carmax Finance for about two years, according to the security Exchange consumers/investors have a right to rescind the security interest agreement, which i had signed by a notary public, and a chance to rebut all the laws and rules of the governing bodies of use of the commercial paper, they have not responded. I am doing the administrative process according to law and will take them in arbitration. They have been pooling the security selling it on the stock market and not giving me any of the proceeds, and in turn double dipping by sending me the T-Bills every month for me to pay, i have sent them the security with the correct procedure and stamp and they dishonored it. I will be complaining anout their indenture trustee because pursuant to the SEC the trustee are responsible to process the securities and XXXX the account, so they have violated and i will be happy to take legal action because they have to follow the rules. They did not return the security i sent or XXXX my account, so now i will file a 1099a, report them to all governing bodies, i am sure the United states and the SEC would like to know how they get away with the so called asset backedcommercial paper, this is security fraud according to the SEC, and i will be a whistleblower for SEC for 20 % compensation..
08/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33166	Web
On XXXX 2015 I bought a Vehicle from Carmax Auto Finance. I started making the payments on XXXX 2015 and since then I have n't failed with any single payment, not even late payments as i can show from my records. Couple months a go I checked on my credit report because I want to buy a property and notice that Carmax has reported me as a 30 days delinquent since the first payment. Since then I have tried to talk with different representatives in order to solve the problem but have n't get any response yet. Some of them agreed with me that something is wrong in the account and some others just hung up on me whenever I try to talk about it. The fact of the matter is that I do n't have many accounts in my credit report and this single account has affected me dramatically. Totally unfair situation. I hope I do n't need to hire a lawyer to help me solve this issue. I need my records updated with the XXXX Credit Bureaus showing my account with no delinquency at all. I 'm able to provide all the history of payments in my account to prove it. I must appoint that when I first bought the vehicle i had to returned it because it was a lemon, as the sales representative from Carmax said. They then offered a different vehicle to me and we agreed on the terms of a new agreement starting with the payments in XXXX 2015.
11/17/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92675	Web
on XX/XX/XXXX, my payment of {$370.00} was due, however, I wanted to pay-off my account for the amount of {$570.00}. On XX/XX/XXXX, my payment was returned using the CarMax app on my phone. XX/XX/XXXX, I received a call informing me that my payment was returned as my account was " frozen ''. I called my bank, my account was not frozen, called CarMax Auto Finance back and issued payment over the phone again, and I specifically asked if the payment was processed as an ACH payment, the representative quickly responded, " YES. '' XX/XX/XXXX I went into the XXXX, CA location and I was I spoke with someone at XXXX over the phone who affirmed that my account was closed, and nothing was owed and my checking account balance reflected the result of a large deduction. I also received a letter stating that my account was closed and PAID. ( See attached ) XX/XX/XXXX I get another call explaining that my account is passed due and I, now, owe $ XXXX. I think it is ridiculous that these institutions allow their staff to not verify information regarding customer inquiries and allow their customers to suffer the additional interest because of the staff 's inability to properly explain which types of payments can or can not be processed. That should be the most basic responsibility fo their job. Call reference # XXXX
03/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MS 38654	Web
I disputed the late payment for Car-Max in XX/XX/XXXX and in XX/XX/XXXX. The credit agencies ( XXXX, XXXX and XXXX ) investigation results showed the late payment had been verified and was correct. I didn't agree with the results ; after speaking with a Car-Max agent today and we were discussing the late payment for the month of XXXX and XXXX -- the agent advised me the late payment for the month of XXXX was actually not late and he did send an electronic correction to all 3 credit agencies while we was on the phone. I advised the agent that I had fell behind because of the COVID-19 Pandemic and since XX/XX/XXXX I had never been late on my car payment and I asked for a " Goodwill adjustment. '' I made three payment in the month of XXXX for full payments and as of today I'm current. The agent said it wasn't anything they could do. I'm in the process of buying a house and I have really been working hard on making on time payments to all of my accounts and because I was 2 days behind on making a payment all of my hard work shouldn't have to end here. My loan officer ; XXXX XXXX call to inform me we couldn't move forward with the house mortgage if I can't get the late payment removed from my credit report. So I ask that you please give me a second chance and grant me a " Goodwill adjustment. ''
07/14/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75227	Web
On XX/XX/2021, I went to CarMax.com and filled out a pre-approval application for a car. CarMax asked me for my Social Security number ( my credit card number thats connected to an open-end credit plan ) and later on that same day, I was sent an email stating we were unable to approve you for the amount requested. Pursuant to 15 USC 1602 I am the natural person, credit means the right granted, the original creditor, the consumer, and the term credit card means ANY card, etc. One card in particular is my social security card. Meaning, I typed in my social security number into Carmaxs website and was denied. Pursuant to Truth in Lending I am the original creditor and that means I am the only one who can extend the credit back to myself because i am the consumer, original creditor, and natural person. On XX/XX/2021, i left a review and someone called me back the next day. I told him about the federal laws that CarMax is violating and he didnt know what to do or to say. I never heard back from anyone again. I called again today ( XX/XX/2021 ) and a representative hung up on me because i was trying to figure out who denied me and why did i have a inquiry on my credit report and i didnt give CarMax written permission to do that. I also filled out a identity theft report on the FTC website.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web
Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. Unauthorized collection accounts from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. Lastly, I logged on CarMax to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 949XX	Web
On XX/XX/XXXXXXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXXXXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX, XXXX, and carmax refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX & XXXX did not provide me with proof that the account was opened by me or any information as to why they will not remove the account. On XX/XX/XXXX, I submitted additional information to support my claim of identity theft ; including a signed document from the In-patient ( meaning I as a patient was not allowed to leave ) during the time that the car loan was opened in my name. There is no viable way that I could have purchased/ taken out a car loan since I was enrolled in this inpatient clinic at the time. Carmax still refused to remove the account and gave me no new reason why- I am attaching completion letter from facility stating that I was in their care during that time, also the police report, and carmax affidavit again.
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33179	Web
I am writing to bring to your attention a concerning issue regarding the inaccurate reporting of late payments on my credit report by CarMax, which I believe is in violation of the laws enacted to prevent such reporting during the XXXX crisis. I have been a responsible customer of CarMax for several years, and my payment history has consistently been in good standing. However, I recently discovered that CarMax has inaccurately reported late payments on my credit report, adversely affecting my XXXX XXXX and financial well-being. It has come to my attention that during the XXXX pandemic, various federal and state regulations were put in place to protect consumers from unjust credit reporting practices, particularly related to late payments resulting from pandemic-related hardships. CarMax 's inaccurate reporting not only harms my credit but also appears to disregard these protective measures. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against CarMax for their alleged violation of credit reporting laws during the XXXX crisis. Furthermore, I request that you instruct CarMax to remove all late payments from my credit report, rectifying the damage done to my XXXX XXXX and financial stability
02/23/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 380XX	Web
What is this complaint about? Predatory Lending What type of problem are you having? I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. They did not tell me that there is a daily interest rate and lied to me about the APR. What happened? I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. What company is this complaint about? This complaint is about misleading financial practices of CarMax. They have taken the predatory lending tactics of XXXX a major business partner of theirs who was just sued by the attorney general and applied it to their financial model of predatory lending. Who are the people involved? XXXX XXXX CarMax Financial
05/23/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77578	Web
On XX/XX/XXXX I wrote to Carmax Auto Finance regarding a " Charge-Off '' account listed on the three ( XXXX ) credit bureaus. I requested " Validation '' on the balance being list of {$9100.00}. ( see attached letter ) On XX/XX/XXXX I received a response from Carmax providing me with a two page " Retail Install Contract '' and a two page payment history. I then wrote to Carmax again on XX/XX/XXXX indicating that what they sent me was not indentifiable to me. I informed them about the signature on the contract they'd sent was questionable. They then responsed back to me on XX/XX/XXXX that they had already provided the validation and did not acknowledge what I had questioned based on what they had sent to me. When I reviewed their response I then reviewed their contract and the payment history once again and pulled my credit file and noticed that they had changed the balance of the " Charge-off '' balance on the account from {$9100.00} to {$10000.00} from their last response to me. They had also reported a payment on the payment history that they provided me on XX/XX/XXXX, which I never made. I'm questioning their validity of this account and asking why are they making changes on this account and placed inaccurate payments that were never submitted by me.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23502	Web
On XX/XX/XXXX I sent a letter to CarMax regarding my account and my credit profile. Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. You sold my car in auction. I defaulted on XX/XX/XXXX. Which means you received insurance money! You took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! XX/XX/XXXX CarMax sent a validation of debt letter to me, verifying that I in fact do have a {$0.00} remaining principle with them. XX/XX/XXXX I sent out a letter to CarMax demanding my account be deleted and stopped being reported to the credit bureaus because they just verified that I had a {$0.00} remaining principle. XX/XX/XXXX I received a letter fro CarMax, stating my " complaint is generally unclear in its reasoning and intent. '' XX/XX/XXXX I mailed another letter being more specific on what my intent and reasoning is.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 945XX	Web
Carmax reported me late for XXXX & XXXX of XXXX to the 3 major credit bureaus. I was not late. I disputed the adverse reporting multiple times & Carmax Credit Maintenance Dept, has refused to update the reporting. The adverse reporting dropped my XXXX score thus preventing me from being approved for a home loan. I was late in XXXX of XXXX, but was told that the adverse reporting would not be reported due Carmax not reporting to the major credit bureaus from XX/XX/XXXX- XX/XX/XXXX due to a major system issue and update. Per the Carmax instruction page, " If you have concerns regarding information about your CarMax Auto Finance account, please contact our Customer Service team at ( XXXX ) XXXX. '' I've called 3 times, the 1st CS placed a dispute, ( this was in XXXX can't recall her name ) the second attempted to connect me to the credit maintenance dept ( XXXX XXXX but she was told " since Carmax couldn't report during those months they used another month even if I was current in that month and therefore they won't update the adverse reporting. I spoke to a manager ( XXXX XXXX who placed another dispute. She requested they update, XXXX of XXXX to reflect as late and the adverse reporting for XXXX to be corrected as, " paid as agreed. '' This is unfair
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70769	Web
In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. CarMax Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XX/XX/2022 ( Inquiry ) XX/XX/2022 All credit inquiries have been disputed multiple times XXXX XXXX XXXX XXXX {$840.00} dollars I have disputed this account for the past years and they have yet to send me proof of the balanced owed or provided with written proof. XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have disputed this account many times and they have yet to send me proof of this account. I have no knowledge of this account. 10. Florida Child Support collections : Child Support has been Illegally reporting a collections balance on my credit report for months even though I am no longer in arrears. I missed out on buying a house due to I couldn't find a mortgage company who give me a loan, until my child arrears are off my credit. 15 U.S.C 1682 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
07/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MS 390XX	Web
I was given a deferral with Carmax Auto Finance in XXXX of XXXX, due to my daughter becoming, and continuing to be, severely ill. They are reporting that deferred payment as a 60 day late payment on my credit reports and refuse to remove it. When the deferral was e-signed, they rescinded my ability to see the document so I have no proof. I have spoken to them weekly about deferring the next few payments and they refuse. I've asked if the loan could be restructured and they refuse to do that either. I've even asked if we could delete the negative reports on my credit so the vehicle could be traded in on a less expensive one. Carmax Auto Finance, as of today, called to inform me that unless I could make a payment my vehicle would be repossessed because I haven't made payments for 12 consecutive months. My first account with them opened XX/XX/XXXX, and I traded that vehicle in on the new loan on XXXX. I can't refinance because they have damaged my credit, and I can not trade it in because of the balance owed, and I can't make the payments and feed my family to. I emailed the CEO and Finance Manager begging for assistance of any type- which is what resulted in the phone call today that gave no new resolutions other than pay or don't.
01/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 14211	Web
On XX/XX/XXXX I was on CarMax looking for a vehicle. Just LOOKING As of today, XX/XX/XXXX, there are SEVEN hard inquiries on my credit report all submitted on XX/XX/XXXX by CarMax. I DID NOT enter my social security number on CarMax.com, NOR did I authorize this company to run my credit SEVEN times with SEVEN different banks. I called CarMax corporate today XX/XX/XXXX after receiving two out of seven letters from auto loan bank companies and one of the representatives had the audacity to ask me for my social security number!! I asked the woman " why do you need my social security number if your company already ran the inquiries without my permission '' and to that, she did not have an answer. I told her I did not feel comfortable giving CarMax my social security number at that point. This should be a quick fix! There is no reason why the company made me jump through hoops and hurdles for an issue that they could fix with the press of a button. I'm a young single mother who is in the midst of repairing her credit. I had a goal to BUY a vehicle in XXXX. But due to CarMax malicious intent, I don't see myself being able to accomplish my dreams sadly. I am completely and utterly devastated at the hit my score has taken because of this
03/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	CA 95356	Web
XXXX preapproved for auto loan with XXXX XXXX auto navigator went to car max to purchase vehicle and was approved but was told I got denied because of not enough down payment so shopped more at dealership found more expensive used car ended up walking away because they wanted to much down payment. I shop at XXXX more dealerships over the month and in the end got denied because of to many inquires. I call XXXX XXXX cause I was concerned with the inquires and with the fact I went in there pre approved so why so many inquires come to find out the first car I applied the numbers were off by XXXX dollars if I would if upped my down payment by that amount I would if gotten car on terms advertised with XXXX XXXX. Dealership did not mention this and tried to sell me a different car. I find all this out after I went back to dealership and confronted them about it. I would of had car I wanted if dealership informed me of situation instead of selling me a different car now nobody w to ll sell me a car and Im stuck in a loan now with high interest and worse credit score. Also o never told dealership to shop for loan because I already did and went to them assuming they were working on my loan approval not entirely diffident bank altogether
10/12/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 77070	Web
Creditor : Carmax Auto Finance Months : XXXX, XXXX and XX/XX/2023 Current Status : 30-59 days late In accordance to the Under the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights of reporting inaccuracies of payments that has been made on time. The account has been current for 4 months now, So the current status should reflect on time. Under 15 U.S.C 1681A section 602 ; says I have a right to privacy Under 15 U.S.C 1681A section 604A section 2 ; consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C 1666B ; a creditor my not treat a payment on an open consumer account as late for any purpose. Under 15 U.S.C 1666CA Prompt and fair crediting of payments, Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors ac- count as specified in regulations of the Bureau . Such regulations shall prevent a finance charge from being imposed on any obligor if the cred- itor has received the obligors payment in read- ily identifiable form, by XXXXXXXX XXXX. on the date on which such payment is due, in the amount, man- ner, and location indicated by the creditor to avoid the imposition thereof.
05/15/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30341	Web
I XXXX XXXX XXXX, the living person, filed a Cease and Desist against Carmax Auto Finance and any of its affiliates. Carmax Auto Finance has blatantly violated me by continuing to communicate with me after receiving a written Cease and Desist notice via certified mail. The Cease and Desist notice that I sent to Carmax Auto Finance clearly states they must CEASE AND DESIST ALL COMMUNICATION WITH ME. The definition of communication via 15 USC 1692a is : the conveying of information regarding a debt DIRECTLY OR INDIRECTLY to any person THROUGH ANY MEDIUM. Therefore Carmax Auto Finance has willfully violated me by communicating with me indirectly through the credit reporting agencies ( as a medium ) when they report a charged off account to my consumer report. I demand Carmax Auto Finance to Cease any communication with me by deleting any reporting they may have done with XXXX, XXXX, and XXXX. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS! I have also filed a complaint with the XXXX XXXX XXXX and the Georgia Attorney Generals Office.
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93551	Web
MY RIGHTS WERE VIOLATED WITH THESE CREDITORS XXXX XXXX WAS PART OF A CLASS ACTION LAWSUIT I WAS APPART OF FOR THE SPAM CALLS 10 TIMES DAILY MY ACOUNT WAS SOLD TO XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX NEED TO REMOVED OFF MY ACCOUNT CARMAX AUTO FINANCE MISS HANDLED INVESTGATION OF ACCOUNT XXXXXXXX XXXX MY ACCOUNTS WERE compromise XXXX XXXX cut my cards off without my permission INSTEAD OF REPLACING THEM WITH NEW CARDS INVESTIGATION WAS NOT HANDLED PROPERLY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S.C.1681SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C.1681 2 ( A ) ( 1 ) a PERSON SHOULD NOT BE IF YOU ARE FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
08/24/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 93705	Web
On XXXX, XXXX I bought a car form CarMax, in XXXX, CA. They arranged for the financing, and while I was the office I was given a financing offer. Then 2 days later the sales person called me and told me that they now needed an additional down payment in order to keep the interest rate as low as it was. I told the sales person that I didn't have additional money, and he then told me that interest rate was going to go up. I was XXXX years old and didn't know better, so I thought what they were doing was normal. I made my payments on time until XXXX, XXXX, and then I was unable to keep up with them. I called them and asked them if they could give me the deal they had given me at first, try to do something to help me stay current with my payments, but I never heard back from anyone. Instead, the collection department was calling my phone, non-stop, harassing me to get me to make the payments. I was so scared that they were going to take me to jail, like they said, so I went and dropped off the car back, thinking that would solve the problem. Now I have a bad report for that account on my credit, because of that. I am a single parent, and I struggle so much, trying to secure housing because of my credit report.
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30168	Web
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as XXXX insurance that Carmax finance provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment XXXX years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
12/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 91942	Web
Today, XX/XX/XXXX, I received a response to my CFPB complaint against Carmax, via certified letter. It reflects wrong dates, scenarios, etc. It failed to address my identity theft that they are involved with. I was prevented from speaking with a supervisor, when I called them today in response to this letter. The letter clearly is not factual or correct in any way. I can clearly see, no actual investigation was done by Carmax. It claims a letter was sent to me, XX/XX/XXXX, this one I'm assuming, and that I failed to respond to their letter. To clarify, this is the first letter I've gotten from them, six days after their own reference to their letter, that I'm seeing said letter. It is also dated XX/XX/XXXX, before my submission of my cfpb complaint against Carmax. I'm unsure how that is even possible. The dates and details are both fictitious and wrong. I was not allowed to speak to a manager, when I called their alleged fraud department. I am a fraud/identity theft victim and already submitted my police report to them via the cfpb, which they also claim to not have received. Attaching my police report, AGAIN, since they seem to have lost it, and recent communication from Carmax, for the records of the CFPB.
01/22/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30233	Web	Servicemember
I have been calling Carmax Auto FinanXXXX for the past 6 months requesting a payment deferment due to contracting XXXX in XX/XX/2021 which left me in critical but stable condition 4 months due to my XXXX XXXX and XXXX XXXX XXXX. Then I contracted XXXX again in XXXX. I have requested more than once for Carmax to provide me at least a 3-month deferment to allow me the opportunity to catch up my payments but they keep stating that they don't offer any COVID relief options. I spoke to one representative that told me if I pay the 2 months past due that they may be able to defer one payment. So, I used my utility funds to make the two payments and then I called and spoke to a different representative, and we went through the processing of deferring the payment but the next month, Carmax still reported my payment as past due. Now, they are showing 3 past due payments on my credit report and harassing me with phone calls 4 or 5 times a day. It is ridiculous when I already explained that I need to defer some payments so that I can catch up. If I had {$780.00}. There is no point in them harassing me throughout the day with phone calls when they have been told more than once that I don't have the funds at this time.
02/11/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 32225	Web
On XX/XX/2018 I purchased a new vehicle from XXXX XXXX XXXX off XXXX XXXX in XXXX. The sales man called XXXX XXXX XXXX to get my payoff on that day which was {$12000.00}, but failed to inform me they did not process the payment until XX/XX/XXXX. Causing more interest to acrue on the loan making it that they left a balance of {$150.00}. That balance then continued to increase with late fees until they FINALLY paid the account down to {$0.00} on XX/XX/XXXX. Not to my knowledge until XXXX called me saying the payment was late in mid XXXX was I aware of this, I immediately text the sales agent and informed him, he said he would get right on the matter and assured me again the issue was handled and he would overnight a payment to XXXX. It was not till middle of XXXX that I reviewed the credit report and saw the late payment on my credit report. I have since called XXXX and XXXX XXXX XXXX multiple times. Some of the representatives say they are helping and will have it removed, while others have said that they can't resolve the issue and transfer me to another department, I have exhausted all other resources, as I would have liked them to resolve their mistakes. I have never had ANY late payments on this account.
06/22/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AL 35640	Web
I have moved from XXXX to XXXX. XXXX XXXX XXXX requires me to have a copy of the lien holders title in order to receive my tag. I only have 30 days. They have faxed two requests to CarMax Auto Finance and have confirmation. CarMax Auto Finance denies receiving the faxes. The tag office attempted to call them but cant get help without having my social security information. They will not email a copy to me, so I in desperation asked them to mail it. I havent received it yet, but they say they mailed it. Mail can take a long time and sometimes gets lost, so I may not be able to receive it in time. The tag office finally just gave me their fax number, so that I could request that Carmax Auto Finance send it to them. I was told it was a 1-2 day turnaround. It has not yet been sent to XXXX XXXX Alabama. The tag office tells me that most lenders respond in a timely manner to these requests, and are not difficult, as CarMax Auto is being. The reps are nice when I call, because they are worried about the survey at the end. I suspect they tell me something to get me off the phone, but my need is not being handled. I will be fined if this is not received, and I could also be in trouble if I were to get pulled over.
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30291	Web
CarMax has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev \| next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section
03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80550	Web	Older American
My partner XXXX XXXX and I bought a Car from Carmax in early XXXX ; we paid our monthly payments almost always on time until we were hit by financial fraud and crime. We called Carmax and made a arrangement to pay at a later date than usual. Carmax agreed. Instead in the wee hours of the morning, the day after the phone call to Carmax they came and repossessed the car, taking at least {$10000.00} or more of our belongings as our car was full to the top with valuables. Along with this, went all our paperwork on the car loan. When they took our car we had paid almost 50 % on the value of the car which was {$10000.00} when we got it in XXXX. Thereafter since XX/XX/XXXX when Carmax reposed the car, they are claiming we owe the full value of the car. Now how do we owe the full value of the car when they repossessed it after we had paid almost 50 % of the car loan? And how do we owe anything after Carmax stole all our belongs in the car? Im confident they sold the car for more than we paid for it, and we already had a complaint into them because we had to pay to have the head gasket replaced within the first year we bought the car.This cost {$600.00}. Carmax is a corrupt fraudulent company!
09/13/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AL 35022	Web
XX/XX/XXXX a consumer credit transaction was initiated with Carmax for a vehicle. In XXXX of XXXX Carmax Seized the vehicle even after I sent various letters to Rescind the contract, Verify, Validate, cease and desist and cfpb dispute. Carmax moved forward with the sale of the vehicle without informing me. This Debt was in Dispute and from my understanding no action should have been taken until resolved. My credit report shows " OK '' for XXXX XXXX and XXXX and I have proof that they were avoiding responding to my letters and request. The dates of the letters that were sent was extremely often and they also called and harassed me in regard to the alleged debt They have since sent me letters about balance but have also Charged off the item and updated it as so to the credit reporting agencies. the account was charged off in XXXX of XXXX and has repeatedly been updating the charge off every month. this is an update in the payment history which to my understanding charged off accounts should NOT include active payment history. Need I remind you this also falsely manipulates the statue of limitations I am demanding the deletion of the following account : Carmax partial account # XXXX
11/01/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 606XX	Web	Servicemember
So last month I contacted the CFPB in regards to my loan company Carmax XXXX in regards to putting the two months late payments in the rear or the end of my loan, as well as changing my monthly payments due date. At that time I was referred to XXXX ( who by the way was great with the entire process ) However I was told that if I made to payments that they would put the final payment which would have been XX/XX/XXXX Payment in the end of the loan. Which I did make the two payments as requested and required. However I still that late payment and my account is still 30 days past due and I am still getting threatening collection calls and letters from carmax regarding that 30 day late payment. So to me Carmax did not hold up their end and there is absolutely no way that I can come up with any extra payment again. When we agreed to the 2 payments and the final payment would have been placed to the end of the loan. The two payments that I made already caused me a hardship with my other bills. Now my carmax account is showing XXXX and 33 days past due! This is borderline horrible! And Carmax is being misleading and sending false documentation to you and me as far as their responses go!
03/09/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28358	Web
In XX/XX/XXXX I called Carmax XXXX XXXX and advised them due to my permanent injuries I had been out of work and needed to get a payment deferred because I did not want to pay my account late and 5 months into my loan i had never been late on my account and didn't want to pay it late. They would not help me at all they forced me to make a payment from my checking account which my bank covered it processed and later kicked back out which Carmax kicked it back because of the name difference on my account. My loan consisted of my married name and my checking account listed my maiden name. So two months after the bank covered and processed the payments Carmax kicked them both out causing me to be 30 days on each payment. In XX/XX/XXXX I faxed them a letter from my bank on letterhead i was told that someone was looking into and it would take 30 days to fix. Now last month I made another check payment for two payments and they have again did the same thing. I am not two times 30 days late and one time 60 days and this is killing my score. prior to this I have not ever been late on my loan. Even when I pleaded with them to help me out do to be out and under dr 's care they would not.
03/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MS 38637	Web
This letter serves as a formal complaint for improper use of my report that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. I also respectfully request to be provided proof of this alleged item. By the provisions of the consumer protection laws, I demand that if unable to provide lacking proof of these payments being late, please update payment history to PAANL status ( Paid as agreed never late ). It is my understanding that you must validate these items with the reporting creditor for accuracy, Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75025	Web
I have documentation from the creditor regarding the account with Carmax Auto Finance that the balance reported, payment history and date of last activity is inaccurate. The bureau continues to use an electronic system to verify the account without performing a lawful investigation as outlined in the FCRA. The account is updated each month after they have claimed to verify it the month before. I am demanding removal of this account due to its inaccuracy and this companies failure to investigate which is against my rights. The creditor is also attempting to collect more than the balance owed and reported. This reporting is littered with errors that are unacceptable and preventing me from acquiring credit. The account is verified as accurate. Continuous updates to the account after they verified several times before that it was 100 % accurate. It can not be accurate when it is different reporting on each bureau and doesn't match my documentation from the creditor. The account type is also incorrect. The most recent update shows that the written off balance is over {$57000.00} when the original price of the vehicle was less than {$30000.00}.
09/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75081	Web	Servicemember
My husband has four years of spotless payments to Carmax with XXXX late payment. Even though we called and explained the issue was due to a problem with the on-line system they refuse to adjust it. This would n't be such a big deal except it 's the ONLY thing on his credit that 's stopping us from qualifying for a home loan with his VA benefits. The car started breaking down about four months in. It has issues with XXXX overheating and despite the fact that we purchased the extended warranty they only paid for about half the repairs ( it still is n't fixed ). I ca n't believe that given our flawless history, our customer loyalty, and the fact that my husband is a XXXX military veteran, Carmax wo n't work with us in any fashion to resolve this issue. I REALLY expected that there would be SOME way we could resolve this, but I have heard from XXXX different reps that there 's nothing they can do, even though I KNOW differently. The initial phone rep I spoke to lied to me saying it was " illegal '' for Carmax to adjust the late pay on his credit, it took them a full week and about XXXX posts to XXXX to even get a call back from anyone.
01/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 303XX	Web
I have a XXXX XXXX with Carmax Auto Finance Account # XXXX. I use a service called XXXX who charges my credit card and then writes checks on my behalf. Since I started this loan in 2017. XXXX charges my credit card on the XXXX of every month and the checks are deposited on the XXXX. On 6 different times over the course of the loan I have been told by Carmax whether it be collection agencies calling or letters written stating that I'm late or haven't paid. Each time I have to go through the process of providing them Bank statements and check numbers ( which I get from XXXX ) in order to show payment. Each time Carmax determines it was an error on their part and everything is cleared up. It continues happening time and time again. My belief is that Carmax is trying to scare or bully me in to making multiple payments on my account. They call me at all hours of the day and night and send multiple letters to my home each time. I wish they spent as much time investigating their own business practices as they do harassing their customer. I wish I was able to move on from them, but they have the loan on my vehicle so what can I do?
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Web
My name is XXXX XXXX I was with CarMax for 5 years and have never been late. CarMax XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged 2 late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking CarMax to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and XXXX reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. CarMax Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and CarMax is prohibiting. I do not want this to happen to anyone else. Shame on CarMax ... Taken Advantage of, XXXX XXXX XXXX
09/13/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	KY 40241	Web
In XX/XX/2020 I traded in my vehicle financed through Carmax Auto Finance. I never missed a payment on that vehicle, but Carmax added daily finances charges of several hundred dollars after the dealership who sold me my new car paid off the Carmax loan and accepted my old vehicle as a trade. Even though I never missed a payment, Carmax counted me as 60 days past due over a couple of hundred dollars. Carmax closed my online portal, so I had no idea that I owed the money until it showed up on my credit report. I have contacted Carmax numerous times to explain what happened, and they said they will not remove the account they're calling " delinquent '' over a couple of hundred dollars. There is NO WAY I could possibly have known that between the time the dealership paid off my Carmax loan and when the account was closed, I was accruing additional charges. Please take this off my report. I think the pandemic played a big role here as well, because the dealership said that the mail/payoff check to Carmax might have been delayed for a few days. I have attached proof that I paid all of the loans on time. Thanks so much!
11/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92106	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
11/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32746	Web
I found out someone went to CarMax auto finance and obtain a car in my name. i found out in XXXX 2018 i went to get a car from a dealership and they advised me of a current loan. i wrote police reports and followed all steps to get this off my credit report because it was not myself who went into CarMax and purchase a car. I was told by CarMax find out who did not our job and we will continue to update your credit with the information that they know has been falsified. so basically, CarMax knows that it is identify theft when i call i have been laughed, i have also been told get a lawyer and hung up on. i have also been told by CarMax find out who did it we may take it off. it's really sad. than i spoke to CarMax again and was told the person used my driver 's license so they will not take it off. so i told the investigator on my case he advised me that my driver 's license was ordered 3 different times threw dnv online and sent to 3 different addresses. he let me know the addresses i have never heard of. and CarMax auto finance knows this is not my account i am a victim and still refuse to take off my credit.
07/13/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 76111	Web
I went online to XXXX and applied for an auto loan. I received acouple of offers and chose the one that I liked. I chose a company calledXXXX, 72 month term and a 5.99 % interest rate. I have used this companybefore and never had an issue. I previously used a check from this companyto buy a vehicle at CarMax in XXXX, Tx. So I decided I would do the samethis time around. Except when I found a vehicle that I liked at CarMax, they told me they would not accept the check. I called XXXX and theyconfirmed that they have an open business relationship with CarMax andnot sure why they would not accept the check. I then called CarMax foranswers. I spoke to a XXXX XXXX which works in Business Relations andshe told me that she received an email advising that they no longer dobusiness with XXXX as of 2 weeks ago. I honestly think that this is alending tactic to get me to use their in house financing which is at a muchhigher rate of 11.99 % and 12.99 % depending on how long the term is. Canyou please research this and let me know if they are targeting consumers likeme to use their much higher rate in house financing? Thanks.
06/03/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 606XX	Web
Case Number XXXX was closed simply because the company responded. However the company did respond, yet they were false in their promises just as they were in my initial complaint against the company. I received a response from a Ms XXXX XXXX, who stated that if I needed a payment date change to contact XXXX XXXX. On XX/XX/2019 I contacted Mr XXXX to do just that, with no response back, so on XX/XX/XXXX I emailed Ms XXXX in Regards to Mr XXXX not calling me back and Finally he did on XX/XX/2019 stating that he would change my payment date from the XX/XX/XXXX to the XX/XX/2019. To this day of XX/XX/2019 My date has not been changed. I have reached out to Mr XXXX a total of two times Friday XX/XX/XXXX and today XX/XX/XXXX to resolve this matter as well as Ms XXXX who is on vacation until the XX/XX/XXXX. On that conversation with Mr XXXX I informed him that I would not be able to make the XX/XX/XXXX payment until XX/XX/XXXX. He said that would be fine as I am changing the due date to the XXXX of each Month. The company is shamming me, and now I will have another late payment on my report due to their lies!!!!
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23454	Web
Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
09/01/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45440	Web	Servicemember
I am a co-signer to an account with my sister at XXXX XXXX. I am in the military and while XXXX, several late payments were made to this account. During this time frame I was not successfully contacted by XXXX give where I was and the difference it time. I got the notice from my credit monitor service through XXXX. I immaterially got access to my sisters XXXX account and made the payments and have since taken over payments. I asked XXXX under these circumstances if they would consider doing a curtsy removal or goodwill removal of the late charges and that I could set up automatic payments though my bank account. There response was that they could not do this due to policy. the late payments in question occurred on the following dates for the following amounts : XXXX XXXX for {$270.00} & XXXX XXXX for {$270.00}. On my part I have called the creditor to ask for a goodwill removal of the reporting given the unique circumstances related to the late payment. After a long conversation with the XXXX of the call center I was told there was nothing they could do. I made this phone car on XXXX XXXX XXXX
09/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95377	Web
CarMax reported two late payments on my credit report for a co-signed loan with my son. Reported dates of delinquency were for the months of XXXX and XXXX of 2017. I have contacted CarMax by phone several times, without resolution. I have challenged the items several times with XXXX, XXXX and XXXX. I provided hard copy proof that additional payments had been made that were misapplied as " principal only '' payments which would have covered the dates involved ahead of time. One additional payment was made in XXXX of 2017 and the other in XX/XX/2017 which is when we were first alerted by CarMax that there was a report of late payment. had the XXXX payment been properly credited, the account would have been ahead of due date for any months following, and would not have been reported 30 days late. Had the additional payments made in XXXX been properly applied to whole payments, the account would have been rectified and further bolstered before going into 60, let alone 30 days reporting erroneously overdue. They made no attempt to correct any of this. If you can help it would be greatly appreciated!
04/20/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MA 02740	Web
I have a 60 month loan fro m Carmax f or my XXXX XXXX XXXX , which was opened in Georgia in XXXX XXXX XXXX . This loan is in good standing and is in fact more than paid off in terms of the equity outstanding on the loan than would have been due at this tim e ( XXXX XXXX XXXX ). T here are however late payments being reported to XXXX and XXXX alleging late payments in XXXX and again in XXXX even though the loan is in good standing. These allegations are hurting my score and I have repeatedly asked the credit unions to remove these. XXXX has removed them a couple times to ensure fairness but unfortunately they keep re-appearing on XXXX . XXXX has not removed these items at all. These need to be removed forthwith from both XXXX and XXXX and XXXX too, although I am not sure the status on XXXX . Carmax give s the run-around and refuses to deal with the issue. My loan is in good standing and I should not have alleged late payments from the past hurting my scores. I ask that XXXX , XXXX , and XXXX be instructed to remove these from my reports.
03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 230XX	Web
CarMax Auto Finance is in violation of FCRA inaccurate reporting. CarMax had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted CarMax a total of XXXX times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of XXXX late payments my credit score has been impacted each time because of this I went from a XXXX XXXX XXXX to a XXXX because of CarMax I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 32937	Web
I have 2 accounts with Carmax, Account XXXX and Account XXXX. Account XXXX is being reported to the Credit Bureaus, while Account XXXX is not. This is a positive tradeline but because Carmax is not reporting this positivity, it is harming me and my credit rating. Carmax is choosing to only report the aaccount that is not in a positive standing and this is on purpose on their part to harm me. This second account is a positive account and the account I am referring to that they are not reporting to the Credit Bureaus. So their response to my first complaint is half assed and they did a poor job researching as they are not reporting this account at all to any of the credit bureaus. They submitted a copy of the account XXXX payment history but what about the XXXX account and its payment history and confirmation that they are reporting to the credit bureaus? They are just trying to manipulate this situation and violate my protection as a consumer. I am attaching my XXXX credit report for XX/XX/2020 and you will just see the 1 Carmax account XXXX but not the second account as I am requesting.
03/30/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30291	Web	Servicemember
On XX/XX/2022, XXXX XXXX XXXX sent Carmax a check for {$13000.00} to pay off my auto loan as I have refinanced my account with XXXX for a much lower interest rate than Carmax ... Carmax-16.95 % XXXX % On XX/XX/2022, I also paid an additional payment of {$400.00}. XXXX from XXXX emailed me on XX/XX/2022 as Carmax advised them ( XXXX ) bank that I still owed on the vehicle {$60.00}, and they were not releasing the title. I informed XXXX that I wouldn't pay them as they inaccurately reported the account. As of XX/XX/2022, Carmax applied the check towards the account. CARMAX WILL NOT RELEASE THE TITLE as a result, the bank has informed me that they will have to release withdraw the loan. I am reporting this to the FTC for FRAUD. XXXX ( Customer Analyst ) from CARMAX corporate office XXXX stated that he would look into the matter within 24-48 hours. However, I received a call that Carmax informed them that my payment was rejected, which is incorrect. There are documents of 33 pages attached to include payments that were NEVER rejected. I have reported CARMAX TO FTC FOR FRAUD AS WELL.
12/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	VA 23518	Web
I previously applied ( online ) for a consumer credit transaction at Carmax on XX/XX/2022 and my application was denied. I sent a certified letter to Lawyers explaining they violated my consumer rights which was received XX/XX/2022 The Company did not provide an official response. I sent an Adverse Action Letter to the lawyers certified letter received XX/XX/2022 explaining they were violating consumer law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. Carmax is criminally liable for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Carmax due to the response I received. Carmax is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 10002 because I, the consumer, made an application in good faith, but credit was not issued. The company provided no official response I sent an email XX/XX/2022 explaining the adverse action company did not respond I was unable to speak with their consumer relations team directly they only accepted emails and letters
11/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90057	Web
On XX/XX/XXXX and XX/XX/XXXX I sent a dispute to XXXX, XXXX and XXXX about XXXX autoloan account that were open as a result of identity theft. This account is XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$XXXX} ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. XXXX, XXXX and XXXX didn't answer my dispute. Around XXXX XXXX I had lost my wallet which contained my ID and a little note that contained some of my passwords and my SSN number. I didn't lose my SSN card but my XXXX digit number was on the note that I had in my wallet. Sometime after, there were several transaction on my card such as food delivery and other expenses. About XXXX months later I found out my identity was used to purchase a car from XXXX after checking my credit karma account. When I spoke with XXXX, they said that a cosigner was attached to the account and the name was XXXX XXXX. I believe he was the person responsible for all this. I have reported this all to the police since then and I have been trying to let the bureaus know of this but no action has been taken.
05/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 606XX	Web
So a few months ago I fell contacted Carmax auto Finance in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by Carmax 's Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
08/18/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37920	Web
There are XXXX issues, I will describe them separatley. The XXXX issue, CarMax XXXX XXXX has called multiple times in the last year, they would leave a message and when I didnt return the call right away they wouild continue to call my cell phone multiple times in the same day. Perhaps they were using and auto dialer, I 'm not certain but in any case I think it 's illegal to leave a message and then call back the same day. The XXXX issue,, my account is past due I 'm aware of that. I spoke with CarMax XXXX XXXX XXXX times on XXXX, I explained my situation and scheduled a payment. At that time I was assured that if I paid a payment before the account went past 84 days they would work with me and not send the account for repo and be willing to work with me to bring the account up to date. I scheduled the payment with my debit card for XXXX, they assured me this was ok. The payment was deducted from my account on XXXX as promised. I received a letter from CarMax XXXX XXXX dated XXXX and delivered on XXXX that my account has been referred to the repo department.
11/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60025	Web
this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XXXX XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.
06/14/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70360	Web
Carmax auto finance which is a debt collector pursuant 15 usc 1692a ( 6 ) of the Fair debt collection practices act is reporting an account as closed and charged off as bad debt when in fact this was a consumer credit transaction in which a finance charge is involved. Therefore, there is no such thing as a late payment. Pursuant to 15 usc 1605 under Truth in Lending it says the finance charge is the sum of all charges in a consumer credit transaction. My social security card which is an open ended credit card was used. Any transaction in which my credit card was used is the obligation of the United states pursuant 18 usc 8. I gave security interest ( collateral ) in the vehicle which covers all obligations. Pursuant to 15 usc 1602 ( l ) a credit card is any card plate coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I'm demanding complete deletion from all consumer reports. This is a consumer credit transaction in which I want deleted completely from my consumer report and I have that right.
01/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19139	Web
On XX/XX/2022 I sent a notice of dispute and debt validation & verification affidavit to Chief Financial Officer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX in which I am questioning the Negotiable Instrument/ Promissory Note/ Retail Installment Agreement as in who funded the check the response I received back was just a copy of all my payments and the Retail Installment Agreement see attachment of my notice of dispute and debt validation & verification affidavit that need to be answered point by point under penalty and perjury the only way to settle this matter is to provide me with documentary evidence 15 USC 44 whereas that includes all documents, papers, correspondence, books of account, and financial and corporate records I need to Clarify who funded the check and How much is owed according to the journal and ledger ( GAAP ) entries from the date of open of the account as described in IRS publication 583. If you can not verify and validate this debt by the above listed means,, to even send me a letter? Are you committing mail fraud?
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NV 89406	Web
I applied for a car at CarMax I was told that I needed XXXX down was gon na put XXXX down on the renegade. I was approved at this time it was make the money to buy the car I had made the money and paid rent for a family member I then was short, no money no big deal ill work extra and make the money back. They ran my credit over 5 different times I wanted the renegade and they destroyed my credit payments every month on time and no problems I was focused on building my credit and yes the car would have finished raising my credit these were unauthorized runs against my credit. I ask them to fix it they said it was identity theft and transferred me to a number and I now have left a message my credit dropped XXXX XXXX after I have worked so hard and was trying to help another not to loose their credit with their housing I have not once but over and over been putting up with this kind of business on my phone and others violating my life I am asking you please help me get this off my report and back to the score I had before trying to better my life somemore.
09/29/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	PA 19426	Web
Carmax Auto Finance Balance {$21000.00} Original Balance {$20000.00} Acct no XXXX Date opened XX/XX/2022 Type Auto Loan Monthly Payment {$480.00} Term 73 months This car account is not mine. I never financed a loan with Carmax. The car I financed is currently with another company that has nothing to do with this company on my credit. Carmax is not listed on my registration. I have tried to pay off this loan and somehow Carmax has listed as the lien holder, yet another company is listed as the register. I have contacted Carmax and they have not fixed this problem or provided documents. This report is fraud. I am not able to sell this car or get out of a loan due to Carmax negligence. Carmax stated the car was listed under a bank and the listed bank is not releasing the car or responding. Carmax has placed this car as a charge off on my credit report. Carmax has reported late payments on my report falsely. Also, this report dates are incorrectly reported, the late payments are incorrectly reported and the company is not correctly reported.
04/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33068	Web
I was involved in a multi car accident of which my vehicle was the middle car of the XXXX car accident. My car was a total loss. The balance left on my car was about {$14000.00}. The auto insurance paid off {$10000.00} and i was informed from Carmax that my gap insurance will cover the remaining balance. Carmax contacted me about XXXX months laters stated my gap insurance is not going to cover because my license was expired ( i didn't know until carmax informed me ). For months i went back and forward with my gap insurance. About 3 years ago, they agreed to cover the balance because the contract did not specify about expired ( not suspended ) license. I waited and waited for them to pay it off but they did. Eventually i contacted them and they told me they're not covering the balance. " What a disappointment ) As years went on, I have been disputing for this accout to removed from my credit report. This account is XXXX years and XXXX months old. It is damaging my credit. I have suffered and fight this company long enough.
04/26/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75056	Web
I received a call from a representative by the name of XXXX at XXXX on XX/XX/2023. She was rude and I told her she was speaking to the debtor. When she wanted to verify more information I told her I was not going to voluntary provide any more information to use against me.all she did was repeat the questions. When I advised again I was not, she stated they had a return mail. I told her I was not going to provide anything. She yelled and stated " thats your problem ". When she realized she yelled she paused then repeatedly asks for more information. I disconnected the call after this. This was a clear sign of overt discrimination. This has happened before with XXXX loans. I filed a complaint and you guys did nothing. I don't want to hear it this time. It seems if I was a protected class of a type of person or culture. Something would be done in a heart beat. No questions asked. But let it be a normal human being and we don't get any help. It seems the only way to get any resolution it to blast it on social media these days.
12/15/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TX 77571	Web	Servicemember
My deficiency debt from Carmax was assigned to a debt collection agency, XXXX XXXX XXXX. The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with XXXX XXXX initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 100XX	Web
To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX Federal credit union XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. I can be reached at XXXX XXXX XXXX or email at XXXX. Sincerely, XXXX XXXX
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a car payment account under an open end consumer credit plan as late for any purpose. " Yet I see that there are " late payments '' being reported on my consumer reporting file which is severely impacting my ability to be extended credit and damaging my reputation. According to the Fair Credit Reporting Act reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Therefore the reporting of said late payments is not only against the law, but you're voluntarily doing so Whether knowingly or unknowingly, you're voilating my rights as a consumer and you are hereby being given notice to correct your wrong doings.
07/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77007	Web
In XXXX of 2020, I bought a XXXX XXXX from XXXX and XXXX XXXX XXXX financed the vehicle I bought the vehicle late at night and was never given the contract. After I bought the vehicle I never Received A bill/statement l in the mail. I called and they told me they sent the statement to the wrong address and that I was extremely late on my first payment. I can't be late if the lender does not give me the contract or send the statement to the correct address, so since I have had the car I have been getting my credit report hit with derogatory late payments and fees that are not my fault, Car Max Financial Is In Violation of The Fair Debt Collection Practices Act and I demand the late payment be removed from my credit report and the fees I have been charged be returned to me. I have disputed this and complained and no one cares that THEY ARE VIOLATING MY RIGHTS!!!! Remove The Late Payment and give me all the fraudulent fees your company has charged me or my next step will be legal action in court against your company
01/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted Carmaxx during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. Carmax has repeatedly said this information was correct. I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC XXXXX	Web
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX:XXXXXX2016 and XXXXX.2016
01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 385XX	Web	Servicemember
XXXX continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. XXXX and XXXX are XXXX new accounts- even after they got paid. These companies own 90+ % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX continues to refuse the XXXX difference owed me. XXXX XXXXXXXX is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX recently is doing same even with banking history with them. carmax loans cars upside down 2 :! so you cant get out from under them, throws mandatory gap insurance in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. XXXX continues to report slanderous statements whic are simply not correct.
07/14/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 20716	Web
This complaint is regarding the title on a car purchased from Carmax in XX/XX/XXXX. The vehicle Vin # XXXX. I now no longer have this vehicle due to another dispute ( Lemon Law ). I filed a complaint through Carmax several times for different things such as in their possession all of my things were stolen out of the car. This time I just paid two tickets in the amount of {$290.00} due to Carmax system taking the title out of my name 3 times during XXXX and XXXX that resulted in a moving violation because my title was not registered to me the first incident happened in XX/XX/XXXX and the second XX/XX/XXXX. It was awful I almost was arrested because of the known scam of unregistered tags but this was actual my car and I was driving it when I was pulled over by police. Carmax stated they would reimburse me and never did. The vehicle was also impounded by the police during the XXXX incident I had to pay the impound fee and tow yard fee. I would like to be reimbursed for everything. Please see receipts attached.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77067	Web
In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Auto : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85251	Web
According to your letter, it states that Carmax didn't receive my payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, until XX/XX/XXXX. How could you have missed those three payment that are clearly shown directly in the middle of the page that reads XX/XX/XXXX payment {$310.00}, XX/XX/XXXXpayment {$310.00}. And XX/XX/XXXX payment {$310.00}. How can Carmax reverse payments they so-called never recieved? Obviously XXXX XXXX XXXX has fraudulent record keeping. Furthermore I sent all three payments again in a lump sum of {$1300.00}, that was three payments and the sum of {$470.00} for the tow fee by the repossession company. I also believe Carmax is trying to fraudulently add late fees to my account, my payments are due on th XXXX of the month and I always pay on the XXXX and yet Carmax still applies late fees for ON TIME PAYMENTS. I will be seeking {$5000.00} for each occurrence in a court venue to me with factual proof that my complaint does have merit, and I'm owed {$20000.00} in restitution.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60148	Web
Hello On XX/XX/2021 I made a final payment of {$6000.00} to CARMAX Auto finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the CARMAX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. Parties involved. CARMAX AUTO FINANCE XXXX - CHARGE_OFF XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.
11/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 27610	Web
I called Carmax auto Finance to defer payment account due to unadequate cost disclosures and hardship. Without assuring accurate disclosures of lease terms my account was locked. The only way to access the account was to reset it and acknowledge terms I'm unsure of and definitely don't agree to.This inaccurate and unfair treatment and this has happen numerous of times, being treated in this manner. I had a pleasure of speaking to XXXX : XXXXXXXX XXXX XXXXXXXX asking her to defer payment and the meaning and accurate disclosures of the terms in how it was promoted to me. She began to tell me how Carmax Auto Finance policy and also telling me more things about how my account was never updated a year because they took XXXX payments out my account in XXXX month then locked my account and said it was because of declined payment. My financial institution blocked it because of suspicious activity. She said we was unable to help me with my account and couldn't help me. This is unethical and unfair XXXX XXXX
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60623	Web
I spoke with Carmax Finance on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. The associate advised me that Carmax would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. I am reporting Carmax for two reason. Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. Thank you XXXX XXXX
09/10/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 373XX	Web	Servicemember
I was sold a lemon that XXXX could not and would not fix. 1- severe battery drain from computer ( causes failure to start if sitting ) 2- fuel tank pressure problems ( no gas cap and solenoid, etc. ) I offered to the scum that sold me to give it back and he openly refused af thx giving disaster outside of crossville trying to change a tire. I know how to change a tire.I had a spare. what I did not have was the custom tools for the custom nuts that were installed wo my permission when I was sold the car. I did ot ask for these modifications and they cost me over 200 extra to replace the tire. I was not compensated. XXXX in XXXX XXXX outside XXXX can confirm multiple visits for the lemon issues. They could not fix it. they took the car back but when I confronted XXXX and carmax about this they remain silent. My XXXX deposit has not been returned to me and they have been served multiple times. continue to want to collect a debt not owed. was forced into buying gap because they sell underwater cars.
01/03/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60634	Web
I paid off my CarMax Auto Finance car loan thru re-finance from another lender on XX/XX/2021. Once paid off I cancelled my gap insurance and Carmax extended warranty plan at the Carmax dealership in XXXX, IL. On XX/XX/XXXX I was due a refund for the cancellation of {$3000.00}. The refund was applied to my closed Carmax Auto Finance instead of just giving me a check. I called a week later and 2 representatives I spoke with stated it takes 7 business days to get issued the refund because it needs to be approved by a manager. As of today my full refund have not been processed. I spoke with XXXX in the resolutions department, which she was very helpful and understanding. She was able to get a response from a manager who told her itll take 2-3 weeks. I shouldnt have to wait another 2-3 weeks to receive my refund, due to Carmax Auto Finance slowness . This refund was applied XX/XX/2021, which has already been XXXX weeks. The refund was already approved at the Carmax store. Paperwork was already signed.
03/08/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 21221	Web
On XX/XX/XXXX I went into a lease agreement with Carmax Auto Finance for a XXXX XXXX XXXX. My monthly payment was {$490.00} dollars for a term of 74 months. XXXX XXXX I was in an automobile accident that rendered the car a total loss. My insurance carrier XXXX XXXX paid Carmax around {$12000.00} dollars which left a gap of approximately {$6000.00} dollars. They recived payment On or around XX/XX/XXXX. I argued that the car was not worth {$18000.00} dollars and so I should not be responsible for a balance of {$6000.00} dollars. Parts of the car were salvaged and yet Im still responsible for the remaining balance. I received countless phone calls from Carmax Auto Finance after I informed them that I had a hardship due to the accident and was unable to work. This situation has messed up my credit and Iam unable to get another vehicle loan as a result from this balance. They are adding unfair late fees and interest fees even though the loan is closed and charged off. Please investigate this further.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30096	Web	Servicemember
Account for a XXXX XXXX with carmax amount of {$21000.00} is supposed to be closed. The account was paid on the first car note but car was return due to electrical issues that Carmax couldnt fix. So that XXXX has been paid on time and was only supposed to be reported on my credit one time and I proved that it was paid with them because they asked me to send bank statements ( as CARMAX STATED THEY HAVENT RECEIVE PAYMENT ). I had to run my credit again for the car I have with carmax now ( XXXX ) and they received car title for vehicle ( XXXX ) on XX/XX/XXXX meaning that account is not supposed to report to my credit report anymore and should be closed. Carmax didnt call or authorize with me to put late payments for a closed account on my credit report. They keep marking my report late and that I owe another car note payment which I dont because they bought the car back from me.This account needs to be remove immediately as it harming my ability to obtain credit and a house due to this error.
01/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60056	Web
I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. I am excising right to rescind due to this companies negligence non compliance, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$500.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ 1 ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ 2 ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.
08/05/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NM 870XX	Web
I opened an account with CarMax Financing in XX/XX/XXXX to purchase a XXXX XXXX XXXX . Throughout the course of the contract, I ensured that the payments were made on time in at least the agreed amount. In mid- XXXX , my cosigner declared bankruptcy and I notified CarMax that I intended to continue with payment until the vehicle was paid in full, per the agreement. However, CarMax stopped reported payments to the credit bureaus which caused irreparable damage to my credit score. I attempted to reconcile the situation by removing the cosigner from the account, but CarMax would not cooperate. I even enlisted the assistance of an attorney that was unable to remedy the situation, forcing me to refinance the vehicle. They have conducted themselves in violating of the original contract, claiming that I declared bankruptcy and taking inappropriate action against me and the account. They exhibited predatory business practices and refused to work with me to correct the situation.
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 95610	Web
My credit was illegally ran by CarMax at about XXXX pst without my permission on XX/XX/21. I asked if my credit was being ran and I was told NO. This is criminal and illegal. It happened with XXXX in the CarMax XXXX Cust Srv Call Center on XX/XX/21. I found out only because I receive real time alerts on my phone from XXXX. I only called in to CarMax to schedule a test drive. When I realized my credit was ran AND no test drive would be set up, I asked to speak to a manager. I was transferred to the XXXX CarMax location to XXXX, a sales manager. I spoke to XXXX, the sales manager at the XXXX center, who was rude and not helpful! My credit has been ran multiple times through multiple banks due to this even though I ALREADY HAD A PRE APPROVAL FROM MY BANK! I was told I was being set up for a test drive while all the while CarMax was collecting information to run my credit! Please pull the call center call records as proof! My credit score has been damaged by this. Unacceptable.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 235XX	Web	Servicemember
The Carmax account on my credit report recently started reporting my account with an inaccurate date of last payment and balance, I tried to dispute this, it was verified as inaccurate and fixed on one report, but is still showing the inaccurate information on the others. I have a letter from Carmax stating my actual date of last payment and reported delinquency, which does not match my credit report and affects the date the account is to be no longer reported. Several erroneous charges and payments are now added to the account after the charge off period, I was never informed of these charges or payments, and I was never informed of any auction or sale for the repossessed vehicle which is required by Virginia law, the state in which I acquired the loan ; these new dates of payment that I did not make after the charge off, that never appeared in the credit report until recently, have now been counted as my date of last payment and this is against the fair credit reporting act.
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 349XX	Web
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. WITHOUT : Permissible purpose from the creditor. Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28562	Web	Servicemember
Per CarMax, On XX/XX/2020, CarMax and I opted for a financial contract ; per this contract, CarMax took my information and reported to third-party companies, i.e., XXXX, XXXX, and XXXX, without my permission. In this process, I was unaware I could have the option to opt out of having my information report to these third-party agencies, XXXX, XXXX, and XXXX. It has been brought to my attention that I can opt and not have my information reported to the third-party agencies per 15 USC 6802 : Obligations with respect to disclosures of personal information. ( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30311	Web
Greetings to all and I pray that all is well during these trying times. I've had an issue with a XXXX account appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/2020 for {$16000.00} and I reached out to CarMax and to XXXX in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to CarMax and XXXX explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing this CarMax account from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.
07/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75252	Web	Older American
I filed credit report disputes and Texas attorney general consumer fraud protection complaints, police complaints and also CFPB complaints and Carmax who never contacted me or even called or emailed replied to the CFPB complaint stati9ng it is a meritless complaint though I reported this as fraud and I have fraud alerts and credit freezes on my three credit monitoring companies. XXXX XXXX 's car max reply this same day of XX/XX/23 is not honest and shows irresponsible deceptive trade practice. they need to withdraw the hard credit inquiry, and to apologize to me, and to shut down any fraud applications and mark them as fraud, and supply copies of any information for law enforcement and to reply to the CFPB that they will cooperate with law enforcement my idendity obviously has been compromised and someone is doing identity theft. carmax has been told of them and ignores it. they should be held accountable ... what delaerships, what locations, copies of pics used. etc?.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27284	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
02/02/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	NJ 08021	Web
I Had an auto loan with Carmax, which was also the company I worked for at the time. I was in a car accident just a few months after I bought the car, and it affected my employment and my car payments. I completely explained my situation to them and made whatever payments possible at that time. This happened a few years ago, and I understand it might seem like a long time for filing this report, but I tried other ways to resolve this and nothing seems to work and I just want my credit corrected. My loan started on XX/XX/XXXX and ended on XX/XX/XXXX. My accident occurred in XX/XX/XXXX, so it first affected my payment in XX/XX/XXXX of that year. I did not get gap coverage, which seems to be the reason why this all might be a problem. I tried to make minimum payments after the accident but I always cam up short, even though Carmax knew they would be getting a large check very soon. I just really want to get these negative occurrences off my record if possible. Thank you
06/04/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NV 89032	Web
I have an unverified account from CARMAX. I had previously disputed this account. I have never done business with CARMAX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CARMAX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARMAX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.
12/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MD 207XX	Web
Hello, i'm currently in the market for an apartment. My applications were all denied due to my credit status. 4 of them. The latest XXXX from XXXX XXXX ( XXXX XXXX ) was denied even having a section XXXX voucher as insurance. Talk about fair housing. It's not fair at all. I deserve to live in nice residences too instead of being penalized for something out of my control. During the pandemic i was laid off. I begged CarMax for pandemic assistance. They claimed they couldn't offer much because i didn't have my vehicle for 10 months. I purchased the vehicle XX/XX/2019, mind you the pandemic hit a couple months after. They threatened me, repossessed my vehicle twice and racked up my credit report with negative and adverse info. They didn't care anything about their customers, only money. Because of this now my credit is shot. I'm also a fraud victim. I repaired as much as i could already. I filed a complaint with the XXXX XXXX Carmax lied to them.
06/16/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 303XX	Web
I am getting daily robo calls from XXXX. I informed Carmax XX/XX/2022 to remove me from the call list. I get calls from them around the same time daily. I have attached examples of the calls from this number. According to 15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. The past few weeks have been unbearable due to the constant harassing debt collector calls. Despite explaining my financial situation and requesting a payment plan, the collector continues to call multiple times a day, and threatening legal action. This has caused immense XXXX and XXXX, making it difficult to focus on work and daily activities.
11/05/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32218	Web
I have decided to go through my retail contract and it seems that I am paying too much for my vehicle. My interest rate is 13.45 % and my finance charge is {$12000.00} over 72 months and amount financed is {$25000.00} with {$0.00} down with a monthly payment of {$530.00}. Now at the time when I financed the vehicle, my credit score was XXXX. Im not sure why my rate is so high and why my finance charge is through the roof. Every time I make a payment it doesnt seem to put a dent in my over all balance. How is it that I purchased the car XXXX/XXXX/XXXX for {$25000.00} and still owe {$25000.00} as of XXXX/XXXX/XXXX. I am beginning to feel like I am a victim of credit manipulation and now my credit is suffering because the payments are not being applied accordingly. I would like to have my contract evaluated because the numbers do not add up. And furthermore, there is a warranty on my contract that was never discussed with me and I never agreed upon.
09/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89048	Web	Older American, Servicemember
I have an auto loan with Camax Auto Finance. My account number is XXXX. I filed a complaint last month that while I sent my payments in timely, they were not posted timely and a late payment letter was sent. For that complaint, XXXX XXXX from Carmax responded with the same drivel, that I " enroll '' in their auto deduction plan. It has happened again this month. I electronically sent in my payment from my bank to Carmax and it was paid to them on XXXX XXXX, 2020. The payment was due XX/XX/2020 and there is a 10-day grace period. Today, on XXXX XXXX, 2020, I received a letter from them dated XXXX XXXX, 2020, that I have not made my payment, that this may be reported to credit bureaus, and that the payment I now owe includes a {$15.00} late charge. I DO NOT WANT TO ENROLL IN THEIR AUTOPAYMENT PLAN. I HAVE NEVER BEEN LATE WITH A PAYMENT. I WANT THIS XXXX TO STOP AND ASK THAT YOU DO SOMETHING TO HELP ME RESOLVE THIS ISSUE WITH THIS SHAM COMPANY.
01/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 19143	Web
I, XXXX XXXX, a consumer, extended my credit to Carmax Inc on XX/XX/XXXX. Pursuant to 15 USC 1679a ( 2 ), a consumer credit transaction was completed to obtain a XXXX XXXX XXXX for personal use. After receiving my vehicle 's Certificate Of Title, and Delaware Dealer 's Reassignment I took my vehicle and documents to a tag shop which was a Pennsylvania Department Of Transportation affiliate to get my vehicle registered. After registering the vehicle it was noticed that XXXX XXXX USA was labeled a Lien Holder in error. I sent XXXX XXXX USA a Debt Validation letter per the CFPB to Validate any alleged debt. XXXX XXXX XXXX responded per the CFPB stating that there was no debt, but CarMax needed to contact XXXX XXXX USA to rectify the error. CarMax was notified and contacted XXXX XXXX XXXX to release the title to CarMax instead on XXXX XXXX, the consumer who is the rightful owner. CarMax is now labeled a Lien Holder on my Title Number # : XXXX.
02/10/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 77450	Web
This is my second approach to resolving this matter with Carmax. I sent a debt verification letter and they only responded with the contract. Pursuant to 15 USC 1692g, I am to be supplied with 5 items. Carmax has failed to supply all 5 of these items. I have also informed Carmax of SEVERAL FDCPA violations. The items I sent them they have sent back with a stamp that says returned. Carmax mentions not accepting the documents as payment. I was not attempting to pay. I am demanding proper validation of this debt. None of the information that i asked for was completed. Everything was completely ignored. I am feeling like I am being bullied and taken advantage of. I am a federally protected consumer and Carmax consistently violates my consumer rights and ignores me when I envoke my rights. I have attached the documents that I have sent to them. I am the original creditor and this debt was paid for when I gave my " credit card '' number to them.
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10467	Web
On XXXX XXXX. Three companies ran my credit without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX CARMAX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
07/19/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 33801	Web
My name is XXXX XXXX, and I recently refinanced my XXXX XXXX XXXX ( VIN : XXXX ) through XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. ACCOUNT # XXXX Their story is that they mailed a payoff to XXXX XXXX XXXX, but CarMax will not tell me anything about it, saying they have not received it. Their phone operator and the literature from both CarMax and XXXX XXXX indicate that the process could take up to several weeks, which is absurd. I believe that CarMax is delaying the process in order to collect more interest on the loan before actually doing the payoff. It simply does not take longer than about three days for a first class letter to go anywhere. Essentially, I think CarMax is stealing my money every day they do not process the payoff. My CarMax Account number is : XXXX I believe I have spoken with the Georgia office : : XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75662	Web
602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account name CarMax Account numberXXXX Account type Auto Loan In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681
11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 916XX	Web
I co-signed on a car loan with my son at Carmax. Last year, Carmax XXXX XXXX falsely reported a late payment two separate times. Both our credit scores dropped and after calling multiple times we were able to get them to correct their mistake. Then a month later suddenly the loan vanished from both of our credit reports. All payment history, everything was gone. It simply said " account closed ''. We still have the car and continue making on time payments on it, but are not getting any credit score benefit from it. We have both called dozens of times and are always told they " are working on it ''. This is outrageous and is affecting our credit and we are getting turned down for loans and mortgages now. This is wrong and has caused us irreparable damage. We want all our retroactive history of on time payments up to and including the present date to appear on our reports and this loan to be put back on all three credit bureaus.
10/26/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 38115	Web	Servicemember
I was sold a lemon. Battery keeps getting killed off. XXXX will not fix the issue claiming I do not drive the car enough. There is a more serious problem going on. This in addition to fuel system pressure issues caused by faulty design of gas flapper. Even carmax corporate is giving me XXXX and refuses to deal with the situation. Not to mention the car to loan value is XXXX. USED cars are being sold for more than they are worth, and multiple tv ads all seem to claim that this process is normal and that this is a average car price. BlueBook clearly indicates that this is fraud.Consumers are not made aware of blue book prices on these vehicles when making purchase.Additionally I am being consequented for being on XXXX and getting paid around the XXXX, not when they want to get paid.This is also common practice with XXXX and XXXX. Lender complains when they get paid after I do, and not before when funds are simply not available.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21204	Web
I purchased a car from Carmax but financed through XXXX in XX/XX/2021, I attempted at paying my car note constantly but was told I was not in the system so they couldnt not accept my payment. I emailed and reach out before/after and on XX/XX/2021 stating I cant pay because Im not in the system. I got no response. Despite my efforts. Finally on XX/XX/2021 I received an email stated that I was having issues because they lost my contract. I preceded to have multiple phone calls with the manager of the branch where I purchased the car at. I was told it was a mistake and the false reporting on my credit would be expunged and my payments that I was not able to pay due to their faulty would be deferred. But instead they reported 10 late payments on my car which doesnt make sense because my car would have been repossessed which it was not. I am current on my payments and want them to rectify my credit like I was told would happen.
07/23/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 20832	Web
I 've never liked the vehicle I purchased from carmax. Unfortunately, when I bought the car I was working close to XXXX hour weeks, so I did n't have time to return it within the time allotment. In XXXX, I went to return the vehicle and they were going to allow me to return it if I paid an {$80.00} fee. Now, they are allowing me to return it, but the new balance has increased to {$1500.00}. I 've been in and out of the hospital for the past XXXX months. I want to return the vehicle but I 'm afraid they are just going to screw me out of even more money if I surrender it instead of return it. I 've been disappointed in carmax for a while, but I do n't know how else to resolve the problem. I ca n't pay for the car or the upkeep or the insurance, and I do n't have money to file for bankruptcy ... which would be the only real option for me at this point. My debt is already uncontrollable. Please help me. Thank You,
09/12/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	CO 80004	Web	Servicemember
Bought a car from CarMax and loan is through CarMax auto finance. They falsely advertised the inspection of the car and it died in 30 days. I surrended it back and WAS told by the first calls to CarMax auto finance to leave it there at there repair partner shop XXXX XXXX. Waited and found out CarMax abandoned the car and the loan as stated in multiple call records. XXXX XXXX took ownership of the car and sold it. CarMax auto finance is the title holder of the car and they were responsible for the car and abandoned it. They no longer own the title to the car and will have to reach out to XXXX XXXX for the loan payoff as they took ownership of the car and sold it. I'm not longer responsible for the loan as the states multiple times in call records that's they abandoned the car and the loan and no longer own the title. Police report was filed as I thought the car was stolen but found out it was sold by XXXX XXXX XXXX XXXX.
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	TX 78640	Web
I bought a car from carmax I barely had the car for a year and had mechanical problems with it. I found out it was the engine. I took it carmax and I told them about the problem and asked them for an exchange for a different one they refuse too and on top of that expensive problem I had to replace the battery that cost me {$230.00} it had battery acid on it and it damaged some other parts of the car. They temporarily fixed the problem do once a customer drives it off the lot they know they would blame the customer for the problem even though it's carmax problem. They sold me a lemon car knowing the car had problems. I gave up the car around XXXX they have been putting it on my credit report as a charge off for five years even though they closed the account. They won't stop destroying my credit report. They know that the statute of limitations in Texas was up in XXXX but they constantly charge it off ever month and year.
08/22/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89048	Web	Older American, Servicemember
I financed a used car through Carmax XXXX XXXX. At least three times in the past two years I have received a notice that my payment was overdue and a past due payment was added to the monthly payment. When I called, they always conceded that the payment was processed but the letter was sent. As an example, my last payment was due XX/XX/2020. I sent the payment as I always due electronically through XXXX XXXX. That payment was paid on XX/XX/2020. When I spoke to Carmax XXXX XXXX on XX/XX/2020 ( the day I also received the late payment notice letter ), I was told the payment had been received on XX/XX/2020, well within the ten day grace period, but not posted until XX/XX/2020. Hence the overdue letter. Since this can affect my credit score, I want to know what can be done about having my payment posted timely. I always pay at least a week ahead of the due date, sometimes even 10 days ahead. Thank you, XXXX XXXX
07/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 90804	Web
I recently been a victim of theft from Carmax Auto Finance. They stole my vehicle on XXXX XXXX. I paid cash for my car and I don't have any contracts with Carmen Auto Finance and I demand that they remove any encumbrances or liens from my property if there are any and return my property immediately. I sent out written correspondence disputing the account asking for the original contract, and an audit trail of this debt they allege that I owe. I don't owe them anything because they never gave me anything of value. I Mailed in my correspondence disputing the validity of the account but they ignored my me and I have not received any response yet. Instead, they just came and stole my vehicle. They violated my rights and stole my property are attempting to steal my vehicle by theft and violate my rights. I will be forced to take legal action if they do not return my vehicle because they illegally repossessed my property.
02/12/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80134	Web
The amortization forms used by CarMax are calculating higher payments than they should. The loan amount is {$22000.00}, interest rate of 3.70 % and a loan term of 66 months. Every online tool or calculator ( I'm using MS Excel Loan Amortization tool ) shows a payment of {$370.00} with a finance charge of {$2400.00}. The paperwork I received from XXXX shows a payment of {$380.00} and a finance charge of {$2400.00}. I called to alert them of the issue and they said their calculations are correct because they charge XXXX finance charge per day. But that's not how loan payments work. I even showed the rep how to calculate it using online tools.She tried to reach out to several people within the company but was told the calculation is correct. I mentioned that their systems are probably rounding incorrectly somewhere along the line, but they told me it is what is it and there's nothing they can do about it.
12/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28412	Web
I am contacting your establishment to report XXXX failure to honor the XXXX time waiver of a {$15.00} late fee. I have called into CarMax multiple times and received multiple emails stating that the request to waive the fee request was denied with no explanation. At my initial request and all following waiver requests ; each CarMax representative advised that the fee will be waived and that they just need to put a request in for it. I was advised it takes XXXX XXXX business days at the most for approval. However, to this present day, ( about a month has passed ) and the late fee has still not been waived and Car max continues to charge it as part of interest fees due to the fact it is tacked onto the total balance amount. I am requesting immediate removal of XXXX {$15.00} late fee and to correct the difference in any finance and interest charges that were higher due to the balance at the time of calculations.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. Please fix the following accounts : XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$25000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
02/26/2021	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CT 06511	Web
XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of 2017 XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. Pursuant to 15 USC 1635 the creditor was required to disclosed to me in my consumer credit transaction that I had the right to rescind the transaction. I was never provided the forms needed to rescind this consumer credit transaction nor did Carmax Auto Finance tell me my right to rescission pursuant to XXXX XXXX XXXX. That is in fact a violation because Carmax Auto Finance withheld this information
10/14/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	FL 32223	Web
According to 15 U.S. Code 1692e ( 4 ) States ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. Also In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose. A judicial order is needed to repossess a vehicle and the company has failed to provide that order. XXXX XXXX XXXX
12/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60440	Web
In the Summer I requested a rescind of recession on my car loan. CarMax declined, but I also sent more letters and never gotten a response back. In my package that I sent with my letter of recession was Affidavit of truth, and a Cease and Deceit letter. They are not honoring my letter and keep reporting to XXXX, XXXX, and XXXX. I am not asking for the retail installment Contract, but I am asking for the Agreement that set for the security interest in place, that I agreed too. I am also asking back my security deposit. According to U.S.C. 15 section 1605 my finance charge was included in the insurance and was in the total of all transaction. CarMax also violated 5 U.S. Code 552a my personal information was given without my permission. I am requesting my Agreement of security interest, not retail installment, my down payment, and Cease and Deceit of reporting to any third party bureau 's.
09/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TN XXXXX	Web
On XXXX XXXX I went to Carmax to purchase another vehicle. I had just paid off a car through Carmax in full on XXXX and they denied my credit for another vehicle after being in good standing with them and sent a refund check. Carmax denied credit as well. Then they shared my request for credit with other financial services without my authorization. We viewed and were given options to choose car loan services with and on the computer a request with XXXX XXXX who never repsonded while we were sitting there at the dealership. However, XXXX responded and XXXX XXXX responded. I selected and recieved financing on the spot at the dealership with XXXX XXXX. Now I am recieving unauthorized credit denials in the mail from XXXX XXXX XXXX, XXXX, and XXXX XXXX. All dated in XXXX dates until XXXX. They have exrended open credit unauthoirized. None of this information was diclosed with me.
04/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 38125	Web
Can not make car payment online or over the phone when I tried to make payment on XXXX .2017. Got this m essage when I tried to make payment. Sorry, you are unable to make a payment at this time. You can not make any checking or savings account payments at this time. Please call Customer Service at XXXX to have your account reinstated. I have called them several times about this issue and even when I tried over the phone it did not allow me to do so, it just cut me off. The las t 2 p ayments have been made over the phone and tonight it would not allow me to do so. I have repeatedly asked them to fix the online tool and still has not. These people are CROOKS! I am over this entire fiasco with them and also have decided to report them to the Attorney General and also seek advice of legal counsel as they have continued to violate me as a consumer with illegal tactics!
04/08/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	IN 46205	Web
I went to Carmax XXXX XXXX XXXX, XXXX, IN XXXX on XXXX XXXX, 2014 to possibly trade in and purchase a car, I did not buy that day. I went back with a friend on XXXX XXXX, 2014 and decided to purchase. XXXX XXXX, 2014 I wet back and exchanged the car, already financed through XXXXSince then I have checked my credit and it was highly damaged from this purchase, Carmax went to XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX pulled my credit XXXX times on XXXX XXXX, 2014, XXXX times on XXXX XXXX, 2014 and XXXX more time on XXXX XXXX, 2014 when I exchanged the car. XXXX agreed to finance me right away and they only pulled my credit XXXX time. Not only is this unethical and seriously damaging my credit, XXXX XXXX refuses to remove all these " hard '' inquiries. These are all listed separately not as XXXX, because of this it is counting as XXXX hard inquiries, destroying my credit.
11/30/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 90045	Web
Dear Ladies and Gentlemen, due to the COVID-19 hardship we had requested to lower the amount of our monthly car payments with Carmax Finance. On the phone, the representative had told me this was no problem at all, that we should just pay what we can. However, after paying only {$100.00} last month XXXX XXXX XXXX, we received a letter from Carmax stating that our amount is past due and a late fee charge was also added and they are also threatening now that they may report this information to the credit bureaus if the payment is more than 30days late ( which it will be on XXXX ). This should not belegitimate during a pandemic where people loose their jobs, work less hours, have to stay home to homeschool children and do not have the money to pay all bills, especially after this was discussed with Carmax before and we were assure it would be ok to make any payment we are able to.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94112	Web
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. In addition to Carmax Auto Finance, There are several accounts opened via Identity Theft that XXXX refuses to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Please remove these accounts.
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	TX 751XX	Web
On XX/XX/21 date my car was totalled. After speaking with my insurance company they told me that they sent over insurance information to car max. On XXXX ( dates after my insurance company sent CarMax insurance money ) CarMax sent me a letter stating that my account was paid. However, upon checking my credit report I noticed that there are late payments on my credit report after receiving a letter from CarMax stating that my account balance was taken care of. The attached documents with dates shows a timeline of events. I am asking that car max remove all late payments on my account due to the fact that this is an error in their part. I am unable to purchase a car to take myself to and from work because of the incorrect information they placed on my credit report. Again please see attached pictures and documents with dates which explains the timeline of events.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30309	Web
I purchased a XXXX XXXX XXXX from Car Max and returned in within their XXXX time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to Car Max in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with XXXX. I uploaded the Car Return documents to the XXXX portal. I received an update from XXXX on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the Carmax Finance XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.
11/01/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91016	Web
due to the COVID-19, I has not been works for couple month already, at last month, carmax was Towed away my car from my apartment parking lot without any advance notice to me, which the car is I am financing with them, because of the 3 month late payments due in the COVID-19 going on, I try to deal with them get my car back first then I can go find other jobs to clearing the money I owned, but they said I need cleared 3 month payments and the late fees plus the repossession fee, then I can go pick up my car if they has nit been saled it. I just want to be clear because of COVID-19, does the government have any corresponding provisions for late payment of loans?, Because they dont allow us to work, and now Carmax has taken back my daily action tools. If there is no corresponding clause, I think my company will resume operations because I need to repay my loan
11/06/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33023	Web
I SEND CARMAX AUTO FINANCE A RESCISSION OF SIGNATURES ON XX/XX/2021 WHICH IT WAS RECEIVED ON XX/XX/2021 FROM THAT DATE THE COMPANY CARMAX AUTO FINANCE HAD 20 DAYS FROM IN WHICH THEY RECEIVED MY RECISSION OF SIGNATURES DOCUMENT AS STATED IN 12 CFR 226.23 ( D ) ( 1 ) ( 2 ) & I WAS SUPPOSED TO GET BACK MY VEHICLE I NEVER RECEIVED MY VEHICLE & THE COMPANY SOLD MY VEHICLE IN WHICH CFR 1006.22 ( e ) ( 1 ) ( 2 ) ( 3 ) ( e ) Nonjudicial action regarding property. A debt collector must not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if : ( 1 ) There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( 2 ) There is no present intention to take possession of the property; or ( 3 ) The property is exempt by law from such dispossession or disablement.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77070	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I need you to investigate the following account : CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX In accordance to the fair credit reporting act this has creditor has violated my rights under 15 USC 1681 Section 602 states I have a " Right to privacy. '' 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B " A creditor may not treat under an open and consumer credit plan as late for any purpose. Im requesting immediate removal for the following occurrences of my rights being violated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.
10/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 19013	Web
CarMax Auto Finance engaged in knowing and willful fraud during a consumer credit transaction on XX/XX/2020. I firmly believe this transaction is void due to deceptive practices. They failed to provide adequate notice about finance charges and imposed unnecessary insurance, already included in the finance charge, infringing on my consumer rights. Insufficient finance charge notice deprived me of an informed choice. Pressure to buy additional insurance placed an unjust financial burden on me. Worse still, CarMax Auto Finance unfairly furnished incomplete and inaccurate information on my credit report, damaging my credit and credibility. I strongly assert that CarMax Auto Finance 's deceptive practices nullify the contract due to fraud. I urgently seek your assistance to investigate, rectify my credit report, and shield others from such practices.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30341	Web
CARMAX AUTO FINANCE is reporting an account as a charge off to my consumer report causing defamation to my character. CARMAX AUTO FINACE has filed a 1099C Cancelation of debt with the IRS for this account and is attempting to collect the same amount they wrote off from me on a written off debt that they were paid for. This is tax fraud and I will report you to the IRS. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. CARMAX AUTO FINANCE is attempting to extort me my furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30309	Web	Servicemember
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77414	Web
My wife and I were pre-qualified for a car loan with XXXX XXXX. We took the letter to the dealership as told. The dealership ran our credit with other finance companies without XXXX signing approval for that. I ask the dealership why they didn't use the XXXX XXXX and he replied that XXXX XXXX did not approve us. I found out XXXX XXXX did approve us, but we needed to get more for our trade in then what the dealership were offering. I requested for the inquires to be removed from the finance companies since they have no signatures. Still on our credit report. Also, XXXX XXXX and Carmax running ads, get pre-qualify with no impact to your credit and they also have hard inquires on my report. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	MD 21204	Web
Carmax falsely reported 9 late payments on my account. XXXX lost my original contract I never signed a contract with carmax Carmax tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with XXXX which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since carmax took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee
07/11/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	MD 21117	Web
On XX/XX/XXXX Carmax Auto Finance received a letter from me disputing the information they are reporting on my credit report. They responded with a letter saying they verified the account, which does not serve as proof. I requested a signature that shows that I entered into an agreement to pay them. They have been unable to provide any contract validating the information they are reporting. They also failed to mark my credit report as disputed within 31 days of my initial dispute letter. I sent another letter on XX/XX/XXXX requesting again that they remove their inaccurate reporting. I still have not received a response and they have not deleted the account. They claim I had a vehicle loan that was charged off. It is very damaging to my credit report and I need this inaccurate and unfair information to be removed immediately. Please assist.
04/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30019	Web
I reviewed the amount of the loan on the contract which was approximately {$13000.00}. I purchased the XXXX XXXX XXXX in XX/XX/XXXX from CarMax. I was alerted to look at this because on my credit report which suggested that I had only started making payments in XXXX or the amount of payments made to the vehicle was not accurate as to the date in which I actually opened up the loan. As I continued to look at the loan which was at about a 13 % interest rate, I realized as of to date I made approximately {$19000.00} in payments to the loan. I had 2 deferred payments throughout the entire loan and I wanted to know why am I still making any payments to a loan that was already at 100 % principle paid plus over {$6000.00} in interest at this point. I am trying to understand why Carmax wants me to pay almost {$10000.00} for borrowing {$13000.00}.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	IN 460XX	Web
As a result of COVIDs lockdown during XXXX, the finances of my employer at the time, XXXX, was hit hard. During the following year, XXXX, they cut down heavily on hours and eventually let me go, resulting in my inability to keep current on my bill from CarMax Auto Finance. They do not see this as related to Covid despite my explanation. I lost my job in early XXXX of XXXX and was unable to pay until I got a new job in XXXX. I am now ahead of my bill several months and they still will not address this as related to Covid to remove the couple of late payments. Im XXXX years old, I was XXXX when all of this happened, this is my only credit history I have and its affecting my ability to get a house. Ive reached out to their customer service department numerous times and got a variety of different promises, suggestions and dates.
01/04/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TN 373XX	Web	Servicemember
I was sold as were many customers a lemon from XXXX carmax car lot. these lemons are sold upside down so that no bank will refi them. 2:1 ratio. refuses to remove data from credit files and I visited XXXX XXXX XXXX facility 2 yrs ago 3x for same issue and was told could not resolve it. has battery vampire drain and fuel pressure issues know to manufacturer which is why line changed with future models.carmax refuses to acknowledge complaint under tila and lemon law. GAP insurance was forced to me at the dealership because the loan was upside down. I was not given the choice. I had custom nuts I did not authorize on the vehicle and when it broke down outside XXXX one XXXX I told the XXXX to buy the car back and keep it. He refused to answer me and let me go in the red to repo the car. I dont want a lemon, that wasnt the deal.
06/12/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 21220	Web
Carmax auto finance is refusing to send the title for my vehicle that was deemed totaled by my insurance company from a car accident on XX/XX/2023, where I was struck by a driver that ran a stop sign. They are saying I have to pay late fees totalling XXXX cents. I've called on 4 occasions from XX/XX/XXXX through XX/XX/XXXX, being told someone will call me regarding the matter, but instead they were communicating with my insurance company that the only way the title would be sent is once the above amt was paid, requesting XXXX XXXX XXXX send payment in exchange for the title but no one ever returned my calls. There is no name referenced on the letter sent, just a department. They report charge off and write off on my credit report and also showing multiple late payments. Please advise me on my consumer rights. Thank you
04/03/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21234	Web
On XX/XX/. I walked into Carmax with a preapproval letter from XXXX XXXX. I had already chosen my vehicle online and gave them a pre-qualified credit authorization form. I made it very clear upon purchasing that I only wanted to use XXXX XXXX. I was offered several times other financing options, and I made clear I did not want my credit to be run against any other report other than XXXX XXXX. Upon checking my credit report, I found Carmax ran my credit through their system without my authorization. I went to the location and spoke to them about it, and the manager XXXX had informed me that it mustve been a mistake because of a click of a button. I found this to be unacceptable and unlawful. The credit authorization form through Carmax only has an electronic signature that I did not authorize, which is also illegal.
02/06/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60628	Web	Servicemember
I bought the car on XX/XX/XXXX, the check engine light comes on and its in the shop on XX/XX/XXXX. The car auto stops in mid traffic. I take it to service on XX/XX/XXXX, they say nothing is wrong. I get in an accident on XX/XX/XXXX from the car stopping on me. I take it for service in XXXX, they still claimed nothing was wrong. I take it drive it the auto stop doesn't even come on anymore, as if the car has been tampered with. On XXXX XXXX, XXXX that car sporadically shut down due to an autostop while Im driving in traffic, they repossessed it from non-payment XX/XX/XXXX, I am on XXXX leave from the accident and they don't care which means Im just out here. I need the car for therapy appointments but they also need a new engine on it. They also took all my ids, cards, car seats and parking stickers for my school.
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60628	Web	Servicemember
The car was in an accident due to mechanical errors. I am out on XXXX because of this accident. CarMax took the car XX/XX/XXXX but is still reporting as if I have the car. I already voluntarily relinquished the car. Since they refused to fix it after I almost died in it. They have had the car for over a month and at are fraudulently reporting as if I have the car and not paying. The account was reported XXXX past due in XXXX now it's says XXXX past due and I don't even own it. They already sold it and they keep calling me every day harrasing me about the car when it's sold to someone else. I tried to pay them in XXXX for the car back if they corrected my credit report to say that it was not late or past due. Because it really wasn't if they fixed it so that I can drive. They are lying on me and it's distasteful.
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90059	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : Carmax XXXX XXXX XXXX XXXX XXXX Va XXXX To whom it may concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Carmax Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
04/02/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	TX 75042	Web
I purschased a car from Carmax back in 2013 and have not even had the vehicle over 24 months and the transmissioon has been replaced twice by XXXX which carmax is contracted with and transmission was replaced again 3 months later and i 'm still having technical difficulties with the vehicle the transmission still signaling transmission hot idle engine, however I believe Carmax may have sold me a bad vehicle when i purschased the vehicle it had about XXXX miles and now well under XXXX again the vehicle should not have given me major problem in so little time, i believe i was leased a bad vehicle and would like a replacement car or refunded some of my money back for dealing with the issue and i do n't want to move forward with the same problem after it reached the maxium mileage and not covered under warranty.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AL 36303	Web	Servicemember
At the moment all I can say is that I know who ( which ) Nonprofit community organizations in XXXX XXXX Al XXXX help me with my HOMELESS ESG XXXX PANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK THOUSANDS OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS SOO MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, cuss and destroy distract destruct destruct. This has been going on since XXXX - XXXX ( {$550.00} Wkly at Red roof inn room # XXXX XXXX, XXXX ( as my caseworker XXXX XXXX XXXX XXXX XXXX, XXXX ) IN KAHOOTS WITH ARCH ( XXXX XXXX ).
03/27/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CA 92104	Web	Older American
On XX/XX/XXXX I cosigned for a truck loan that I believed was for one year with Carmax. I was contacted by Carmax when the loan went into arrears in late XXXX. When I had explained to them that my contract was for one year, they informed me that I was liable for the entire duration of the loan. The languge at the time of the signing was vague and misleading. In order for my name to be removed from the loan after one year the loan would have to be refinanced. Carmax does not refianance any of their loans. I acted on good faith with what I was being told at the time of the signing, making it clear that I only comfortable with a one year contract. The representative was vague and ambiguous with reguards to my questions and understanding. In XXXX of XXXX the loan was charged off by XXXX owing XXXX.
01/15/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IN 462XX	Web
I obtained a loan with Carmax Finance and paid it off in XX/XX/2021, upon paying it off, it still shows on my credit report with a balance. Since, I refinanced my car loan with a different company it appears that I now have 2 car loans active. I called Carmax and was notified that they had an update to the system which they were not able to confirm if it would be accurately reported to credit so decided that no reporting would be better. I have had to file a dispute to get this corrected and then have to send a letter once corrected to have the dispute removed. It is my understanding that companies are required to report the status of a loan, which in this case they did not and are requiring that consumers call in to have this corrected and this is a known issue and is of no fault of the consumers.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39046	Web
Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC XXXXX	Web
My debt with CarMax Auto Finance should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the XXXX bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.
01/11/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 90019	Web
Account # XXXX When I was buying the vehicle I was not informed about the heavy daily finance charge. it was hidden in between their long XXXX page contract during the loan disclosure. It's been approximately 3 years and this has put me in deep debt since Covid. My monthly payments are {$300.00} and {$85.00} of it are allocated to daily finance fees. This only leaves me with a principle of {$200.00} going towards my loan monthly. Please note, I have paid the full due amount every month on time. This is predatory and has put me in debt and hardship, especially after Covid. I didn't know I was getting taken advantage of with my car payments until I spoke to a XXXX. In addition to this, the APR ( 9.45 % ) was unfair for someone with a XXXX XXXX XXXX and who never made a late car payment.
02/01/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33619	Web
This company Carmax mistakenly charged off my car account, my account was was being reported as a charge off even thought i still had the vehicle and as Still making my payments on time. I called to resolve this several times and since it couldnt be resolved i decided to get rid of the car. I actually sold it back to carmax for more money then what my balance was on the vehicle. This is illegal to report a debt as a charge off that im still paying for and that is till in my possession, how can a open account be charged off as well. A charge off means a lender or creditor has written the amount off as a loss, and the account is closed to future charges. My account is in fact still open and a charge off normally happens when you fall behind, i have never fell behind on my car payments.
08/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA XXXXX	Web
I have a car loan through CarMax Auto Finance and submitted 'Principle Payment Only ' payments to them in XX/XX/XXXX and XX/XX/XXXX. The first payment was in the amount of {$2100.00} and the second one was in the amount of {$1200.00}. Each time the finance company deducted interest from the payment instead of applying the complete amount to the principle. Multiple calls had to be made to have them correct the issue. The customer service agents seemed unconcerned and unaware of the gravity of the error. CarMax Auto Finance had stated several times that I needed to contact them after the payments were made to let them know that the payment was on the principle, so they could apply the amount correctly. Each check had 'Principle Payment Only ' clearly written on it.
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75035	Web
On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Carmax XXXX XXXX XXXX XXXX. As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave Carmax or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
04/11/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77406	Web
I was not informed in writing regarding a possible charge off for bad debt nor given the chance to rectify the situation which I could have done. I have been paying on the car loan for four months not knowing it had been charged off. When I attempted to contact the company for past due amount and payoff quote I was denied the information. I was also harassed and threatened by a collection agency and she did n't provide me with a name of the agency or information on her call until she started calling around to people I know, which I am not sure how she got those numbers. I attempted to come to an arrangement with her but she threatened me and told me that she does n't have any information for me. I also filed a detailed report with the XXXX and with the FTC.
12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91423	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CARMAX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
06/26/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	LA 707XX	Web
I purchased a car from CarMax in XXXX of 2016. I had come into some financial problems which caused me to get behind with my payments. So they were going to repossess the vehicle unless I paid them in the amount XXXX. So I made two payments for the amount of the XXXX, but they closed my account and charged the account off. So I asked them if I made the payment would it cause my account to go back into the current status and they told me no. So my account has been charged off and I still have the vehicle and they are making me pay the monthly payments of XXXX each month. So I feel that they have already received payment in full when they charged off the account but they are charging me and they are getting double payment on a vehicle that I still have.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23518	Web
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.
04/19/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92335	Web
Got a loan from CarMax Auto Finance, car was repossessed, they sold car and now asking for me to repay the amount they lossed on resale The repossession of the car was their choice and their way of dealing with late payments. They never released any information to me as to how much they are selling it for and if I still wanted the vehicle. They took it and sold it for a value they wanted to accept ( I did n't sell it for the m ). Anyhow, my credit is getting dinged up every month with CarMax inquiries because of the vlaue they loss ed on the sale they made. This is a scam in my book. The dings really have nothing to do with car, they are trying to make me make payments for the value they did n't get back when they sold it which is not my fault.
10/21/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 902XX	Web
The following Account is in violation of the FCRA. Account name : XXXX XXXX XXXX This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. In accordance with the fair credit reporting at XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75094	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94610	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33570	Web	Servicemember
I always pay my monthly bill on online. XXXX I just happen to open my statement and the amount due is XXXX difference. XXXX and the phone system says my payment due on XX/XX/15 is XXXX ; however, my statement say I owe {$510.00}. When I called CarMax told me online doesn't show the amount due with the late fees. I told them that is misleading. Additionally, I have been paying a little more on my monthly payment. They told me if I don't make the payment XXXX days prior to the next due date, the extra amount will not be applied to my late fees. I believe this is a UDAAP violation as I think I am paying my late fees with the extra money. Also, when I see my amount due online and it doesn't include an extra amount that is all I owe.
12/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29625	Web
The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. You must cease & desist from all collection action and any other action pertaining to any debt obligation.
03/11/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	DC 20003	Web
I keep calling carmax auto finance to discuss the balance owed and to try and bring account back in good standing. Every representative gives different amounts. Then Im told if I make a payment they arent able to provide a receipt. Ive asked Carmax to put in writing the payment agreement and sass promised they would send by email in 24hours. The next day different rep stated they are not sending letter. I ask for statements of proof of balance they refuse to send by email or let me view online or make a payment online. Only can make payment by phone through rep but no commitment from Carmax they will honor their words. Ive asked for all late fees to be removed and they still wont provide me with a statement or nothing for proof.
04/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91344	Web
FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY XXXX AND XXXX.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23518	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.
09/15/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS XXXXX	Web
I've previously attempted to settle the matter with this company several times but they continue to ignored my requests and are in dishonor. The company received a Notice and Demand to Validate Debt Claim on XXXX XX/XX/2020, according to the tracking info on the Notice. As of XXXX XX/XX/2020, no response has been received and the company is well over the 30 days provided in the Notice and Demand to Validate the Debt. Carmax responded to the previous complaint to the CFPB on XX/XX/2020 where they allege their " records do not reflect receipt XXXX a debt validation request from Ms XXXX prior to her complaint '' which is false and misleading because the USPS tracking number shows that the document was delivered on XX/XX/2020.
04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
This account is reported as Collection/Charge off but it is showing Balance of {$12000.00}, you know a charged off account should be XXXX balance. According to my research 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' so there should have no late payments in my credit report. Furthermore, 15 USC 1605 ( 5 ) states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is obviously a noncompliance of the law to report it with profit loss write off. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 385XX	Web	Servicemember
theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask. Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.
08/06/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 92223	Web
To Whom It May Concern : I went on loan with my son so he could buy a car from Carmax. When he could not pay the car on time I would pay for him on time. This XX/XX/XXXX my son traded the car in on a new one. The new car lot called got pay off amount and told Carmax what was going on. No one called me or mailed me or emailed me of any problem. Car was payed off in XX/XX/2019 and now show on my credit report that payment Status 30-59 Days Late. Car was payed off in full and Carmax was informed that my son got new car and they would be payed in full. They should not hit me for late payment on last payoff when they know what is going on. Payment Status needs to be fixed on my report to no days late. Thank You!
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60610	Web
I did not AUTHORIZE XXXX to pull my credit report on XX/XX/2021. I did not attempt to purchase a car from this company. I have attached a copy of my police report as I have filed a complaint about my wallet being stolen and my identity being compromised. I have reached out to several companies that has indicated that XXXX contacted them on my behalf to get credit in which I did not authorized. XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
02/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91007	Web
Per the company ( CARMAX AUTO FINANCE ) statement my monthly payment is considered overdue but there is a period of time I have between my due date and the next bill being generated that I can pay the bill and any late fees applied where it wont hit my credit or go into collections. I called them and notified them that the payment would be late yet they persisted to call me EVERY DAY LAST WEEK before I finally called them and applied a payment as I had finally been paid. I have told them to stop calling me incessantly especially since I ALWAYS call them to let them know Ill be late if thats the case. I want them to be blocked from calling me especially since I have been diligent in paying them no matter what.
08/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29625	Web
Carmax does not accept XXXX XXXX payments no information regarding this on their website charging me reversal fees late fees and also putting this on my credit report. I have recorded the phone calls having been a debt collector myself all of the violations and hanging up on me totally unacceptable behavior this is a non issue as far as payment goes they simply told me and willfully lied and said my bank rejected it when it was never presented it for payment when the funds are there. this is not my issue as I am the consumer and the simple fact they have never disclosed this to anyone and they treat their customers terribly. Another words treating me like a deadbeat audio recordings are available if needed.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38111	Web	Servicemember
My personal identifying information was stolen and used for bogus fraudulent activities without my knowledge or consent. In XX/XX/2021 I looked at my free credit report to see what was going on and I was blown away in shock because all 3 bureaus had not only inaccurate and misleading accounts but also many many inquiries that I neither made, nor authorized for any purpose. I am extremely distressed and worried about this situation and how it is currently affecting my credit and how it will affect my life in the future. I am a single Dad to XXXX XXXX XXXX and I was hoping to buy a house sometime in the next year for our little family. I feel like all of my harcd work and my dreams are crushed suddenly.
11/01/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92336	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
12/02/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30022	Web
I received a 1 year anniversary of my CarMax jeep and was told I could apply for the skip a payment deferment after the 1 year. We had a medical issue and I needed to get the deferment for that car payment within the month. they told me I could and I talked to the corporate office and she said she received approval. I began getting calls from CarMax so I asked the Financial side if they showed the deferment they said no, it was not processed and the corporate advocacy person had made a mistake. She took it to get approval on it and it was finally put through. My credit was dinked as a result and I need it removed as I have perfect credit in buying cars with paying within the 30 days allowed. XXXX XXXX
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 028XX	Web
In accordance with the Fair Credit Reporting act XXXX Account Carmax auto Finance # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the XXXX late payments I want the trade line to be deleted.
05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX , XXXX , and XXXX ). The credit report showed credit inquiries that I dont recall authoriz ing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Pl ease remove these inquiries from my credit reports immediately.
01/18/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29681	Web
I lost one of my jobs during the pandemic and my income has suffered. I am struggling financial and trying to keep up all of my payments. I have asked CarMax for help and even asked if they could move the date of my car payment, They have not been willing to help me at all. I got a deferment for one month, but this really didn't help much. I don't understand that we are in a pandemic, I lost income, and my credit has to suffer. I was reported 30 days past due in XXXX XXXX is the hardest month, I asked for more time and got nothing, I really need my payments moved to the XXXX of the month, This will allow me to pay on time and have a chance to try to try to get the money by the end of the month,
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55128	Web
This car was declared a charge off but I never got any documents. Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XXXX, XX/XX/21 and no answer
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX , XXXX , and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
In accordance with the Fair Credit Reporting Act Carmax Auto Finance Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2- States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
04/26/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CT 06053	Web
I, XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CARMAX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CARMAX took cash. The finance charge is supposed to include insurance, but CARMAX made me purchase insurance separately. CARMAX failed to disclose my right of rescission. 15 USC 1635 defines the consumer 's right of rescission. 15 USC 1611 defines the criminal liability for willful and knowingly violating 15 USC 1635. 15USC 1640 defines the civil liability for violating the federal law.
03/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29673	Web
I have a XXXX Ford Focus from Car Max Auto Finance. I have been making payments on the car since XX/XX/XXXX. After reviewing my credit report Car Max had my car listed as a charge off two times, XXXX in XX/XX/XXXX and one on XX/XX/XXXX. I contacted Car Max and was told via phone and written correspondance that they would have my credit corrected with in 90 days. It has been over 120 days and my credit has not been corrected and I have suffered greatly from the incorrect reporting. I have been unable to purchase a home due to the dispute. I want my credit corrected immediately and request to have any and all negative marks removed due to the inconvenience and hardship this has caused.
03/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 349XX	Web
I purchased a vehicle from CarMax in XX/XX/2021. I made every payment on time and paid 50 % towards the principal. I am currently working with a mortgage broker to purchase a home for my family because my lease is up on XX/XX/XXXX. However, CarMax hasn't reported to the credit bureau since XX/XX/2021 so my report shows that I still owe over {$13000.00} which is entirely inaccurate. I have contacted them three times to correct this and they still have not. I have another person on my account and their credit report was updated but mine is still inaccurate. This is preventing me from purchasing a home and if it isn't rectified immediately, my children and I will have nowhere to live.
09/13/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 320XX	Web	Servicemember
This is my second complaint again CarMax Auto Finance. I sent them an affidavit of truth on Friday XXXX XXXX with 5 Federal violations according to the Fair Debt Collection Practice Act 15USC1692 against me the consumer. They responded by saying with the contract that I signed and my payment history. According to CarMax Auto Finance, my contract is a legal document which makes my debt valid. I also asked for a letter stating who the original creditor is and they havent sent yet. I have written them another affidavit of truth with 11 federal violations acceding to the Fair Debt Collection Practice Act. Along with a new invoice for all the new violations and a copy of my old invoice.
11/03/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33322	Web	Older American
On XX/XX/ my XXXX XXXX ending in... XXXX is charged with sending my payment of {$340.00} to CarMax Auto finance. Carmax did not post the XX/XX/XXXX payment and charged me a penalty for a late payment. They maintain they did not receive the payment I had to make the payment again. XXXX insist that they transmitted the monies to the bank for CarMaxAutoFinance and they provided a banking transmission number. ( See attachments ). CarMax will not acknowledge what happened to that banking transfer. I want CarMax to refund the monies or provide information to XXXX XXXX that they never received these moneys. Then XXXX XXXX can refund my money. Where is my {$340.00}? Who has my {$340.00}?
12/10/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60610	Web
My vehicle was stolen at the end of XX/XX/2022, as a result of this it was abandoned and totaled. Ive gotten a police report for auto theft, I had full coverage insurance plus XXXX insurance. Ive notified the lender ( Carmax Auto Finance ) no one helped me and my claims were denied leaving me with debt I can not afford as well as no transportation. XXXX insurance did an appraisal via email/pictures. No one physically came out to inspect my vehicle. Ive gotten a separate appraisal stating it was total as well as XXXX separate repair shops stating my car was totaled. My insurance company did want to accommodate me and Carmax told me it wasnt totaled without seeing my vehicle as well
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX CarMax auto finance Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
10/30/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OR 971XX	Web
XX/XX/XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This one I actually answered. She said her name was XXXX only after I asked and she wanted to speak with XXXX last name removed. I asked what is this in regards to? She said is this XXXX. I said, which company do you represent? She said is this XXXX? I can not discuss the nature of the call. I said well, I guess we don't have much to talk about then. She actually works for Carmax and is legally obligated to tell me what company she represents when she first speaks to me. TFDCA protects me in this case.
04/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 41042	Web	Servicemember
Carmax Auto Finance has added a comment to my credit reports as well as my niece 's new account on her credit reports " Stating Customer affected by Natural Disaster '' This is false and misleading information to any other creditor as neither I nor my niece have asked for any type of deferment of payment or any assistance at all. Actually, on my account, I only have a small balance left and do not even have another payment due for 5 months as I am paid in advance. On my nieces brand new account her first payment is not even due until next month. It seems like Carmax has added this remark to their account holders which could negatively impact the consumer with other creditors.
12/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29681	Web
I was out of town a week ago and CarMax had my car repossed. It was picked up and it left me stranded 3 hours from home. They told me that I had 17 days to pay a little over {$2100.00}. There is no way that I can get this much. If I had it, it would have never gotten repossed. I have been trying to call for 3 days now to ask if I could at least pay {$1400.00} to get my car back. I have been on hold for over an hour. I can't just sit on hold at work because I have a job to do. I do not know any other way to get in touch with someone. I really need my car back and do not time to run out because I can't get anyone on the phone, I need someone to call me and work with me.
10/16/2023	Yes	Vehicle loan or lease Lease	Repossession Deficiency balance after repossession	CA 94544	Web
As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to 15 U.S. Code 1681n - Civil liability for willful noncompliance, it states, Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
03/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 38117	Web
I purchased a car from CarMax in XX/XX/2021. I started having issues with the vehicle 's engine in XX/XX/2021. I spent money I did not have to try and get the car repaired but I was advised it was not repairable. I advised CarMax Auto Finance of this and they denied my request to defer my monthly payments until I could figure out what to do. I am a single parent and do not have funds to pay a monthly payment that is stuck at the repair facility or try to find money for a down payment for a new car. I have been alerted that they reported my payment 90days past due which caused my credit score to decrease and now I really can't qualify for financing any where else
06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30080	Web
on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. On XX/XX/2020 there was an inquiry that appeared on my credit from the company Carmax XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.
07/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2023. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
05/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77379	Web
I had a five year loan with carmax, the loan was paid off in full in XX/XX/2018. I paid a payment ever month, in XXXX my credit was hit with a 30 day past and 54 points. I called and was told that I had late fees of XXXX for two years. I was never called or advised that I had these late fees or that my credit would be hit. My payment was XXXX per month. I paid that amount every month. Once I was told about the late fees I paid the balance off in full. I was never sent a demand letter or a notice at all. I didnt have a loan for late fee amounts. I satisfied my loan obligation in full. I asked hem to remove from my credit and was told per policy they could not.
05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 381XX	Web
On this month, I reach out to Carmax auto Finance about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of Carmax working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30339	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/21/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89113	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30126	Web
Hello, Ive contacted carmax on XX/XX/XXXX. I told them my information was compromised and it wasn't me that obtained the vehicle. ive been a victim of identity fraud in the past and I've had my drivers license number changed due to the situation I've had a police report made and I sent in all the necessary documents to the creditor, the creditor still didn't remove from my credit report. the address that's attached to that loan is not even on my credit report. So I'm frustrated and confused because I care too much about my credit and my financial responsibility. Its also pass the statue of limitations its been on my credit since XX/XX/XXXX.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77025	Web
I am filing this complaint again. Going back to XXXX I was told I would get a ONE TIME courtesy- I was still reported late! In XXXX of this year an extension was done- that satisfy XXXX 's payment. They have reported me late for XXXX! I have called several times and was told that it would be updated for me to dispute it directly with the bureaus. This is improper use of my credit report as this is not accurate! PLEASE REFER TO THE NOTES ON THE ACCOUNT- SENDING LEGDERS DOES NOT SUFFICE AS TRUE EVIDENCE!! PLEASE SEE THE SNIPPET OF THE EXTENSION THAT WAS SIGNED THIS YEAR FOR XXXX. THE PAYMENT WAS MADE IN TIME AND I WAS STILL REPORTED LATE.
12/21/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30319	Web
I entered in a consumer credit transaction with CarMax on XX/XX/2017. Your company has been harassing me ever since that day, and at this point I am DEMANDING an end to this. Your company is in violation of SEVERAL laws which I have outlined on my letter that your home office received XXXX XXXX. Your company violates 15 USC 1605 which states that all charges must be included in the " finance charge '' in all consumer credit transactions. In addition, according to 15 USC 1662 down payments are illegal and subject to violation. 18 U.S. Code 8 - Obligation or other security of the United States defined - I do not OWN this " alleged debt ''
02/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	DC 20001	Web
I have an auto loan with CarMax Auto Finance. I am purposely overpaying my loan amount and want the extra amount applied to my principal. On XX/XX/XXXX I called CarMax Auto Finance to tell them to start applying any overpayment to my principal and not to the next payment ( which is the default option ). The person on the phone call said I would have to call every single month to ask for my payment to be applied to the principal. I asked if I could mail a check instead with clear instructions to apply the overpayment to the principal and the employee said I would still have to call every month. This phone call took nearly 15 minutes.
04/17/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web
I Consumer XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto XXXX, XXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash, but CarMax Auto XXXX XXXX took cash. The Finance charge is suppose to include insurance, but CarMax Auto XXXX made purchase Separately. XXXX XXXX DEPARTMENT HELPED XXXX XXXX XXXX RECOVERY REPO MY VEHICLE ILLEGALLY FROM XXXX XXXX XXXX PARKING LOT VIOLATION 15 USC 1692 E ( 5 ) & 15 USC 1692 D ( 1 ) & 15 USC 1692 F ( A ) & ( B )
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 319XX	Web	Servicemember
My wife and I went through a bankruptcy a little over two years ago around XXXX of 2021 and our vehicles loans were reaffirmed during the process. Our credit reports state that the loans were discharged but they were not. They were reaffirmed and we are still making payments on time every month. As of today neither of our vehicles have been reported with correct balances or that any payments have been made and it is impacting our credit when we are trying to rebuild. It would be very beneficial to us if the balances and payments were corrected dating back to the original dates since we have continued to make payments on the accounts.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60613	Web
This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARMAX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21204	Web
Carmax admitted to loosing my contact there for I was not in the system and couldnt pay my car note for 6months after purchasing and they are trying to hole that against me. I started paying my car note on time once I was in the system. They are trying to get me to pay for my care note twice in one month when that wouldve never been the case if they didnt loose the contract and failed to respond to me for months at a time They want ( {$1200.00} ) for one months payment when my car note is half of that payment for one month They are holding their mistake on me, they are reporting 9 late payments on my car and tanking my credit,
11/02/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	IN 46112	Web
My vehicle was repossessed from my enclosure a day before after I told them I would next day air my correspondence. CarMax was asked for a full disclosure of my vehicle and I was not provided that right. I also sent them my correspondence to pay the entire amount and they refused to accept my endorsed bill accordingly to the Bill of Exchange telling me to pay cash money which violates the Bill of Exchange. I am demanding my vehicle back in return along with the title. I followed the law and they are giving me a hard time getting it back. This company is not upholding Federal Laws and this is why I will be exercising all rights.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 86004	Web
You are in Direct Violation of the The Fair Credit Reporting Act ( CARMAX AUTO FINANCE & XXXX ), has violated several of my rights. 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60302	Web
I have never had any late payments and this reporting is causing my credit summary to suffer and prevent me from being able to utilize my credit to make purchases. In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 604 A : States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I demand that this item be removed from my report. I demand that you provide me with concrete evidence and all documentation proving that I am or have been late.
01/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85251	Web	Servicemember
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX
03/29/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 30135	Web
On XXXX 2017, a letter disputing an item being reported on my credit report was delivered to Carmax in XXXX, GA. I requested that they investigate the account and return the results to me directly. After 45 days, I had not received a response and called for further information. They indicated that they had lost the letter. On other occasions, they attempted to collect a debt without disclosing that as an intention. On at least one occasion, this occurred on an outbound call. I would request that this item be removed promptly as is provisioned in the FCRA wben data furnishers are derelict in their duty under section 623.
11/09/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	WI 53210	Web
I purchased a vehicle the first weekk of XXXX 2015 from Carmax. I approved the carmax associate to run my credit XXXX time and that was to get me approved. I got approved then i drove the vehicle and it had multiple problem so with the carmax guaranteed approval of satisfaction i took the car back and got another one. During that process i didnt know they were running my credit all of them times. After i fouind out i called up to the store and asked them why they ran my credit so many times and i was then told when you have multiple inquiries from the same company they will merge together and become only XXXX inquiry.
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30046	Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
09/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30047	Web
I received an insurance check from XXXX insurance for minor damage done to our vehicle. I deposited the check in to the ATM not realizing that the lien holder ( CarMax ) was on the check as well. The bank is now holding the funds unil CarMax writes a letter on letterhead stating that it allows us to have the funds. I have gone back and forth numerous times with CarMax and they have said that no such letter head exists and they are unable to do what I have requested. Because they wo n't do it, the money is just stuck in limbo. I would think they would want the car fixed considering they are he lien holder on it.
05/28/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AL 352XX	Web
I purchased my XXXX XXXX XXXX in XX/XX/XXXX. I purchased the vehicle for {$10000.00} with Carmax Auto Finance. I put down XXXX dollars with a car payment of XXXX for 5 years. I have paid XXXX dollars on my car and after 5 years Carmax Auto Finance is still saying I owe XXXX dollars on a car that is over 12 years old. This is predatory lending practices. They have tacked on an extra XXXX in fees on a vehicle that has been given me major car problems for the last three years. I am very angry and upset and feel I have been taken advantage of. I want the extra XXXX taken off because my car has been paid in full.
11/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60649	Web
I received an email from carmax about an approval for a car payment extension which I had no acknowledgement of and didnt consent to. Im am also the owner of the vehicle and any changes to it and the contract shouldnt be done without my knowledge and consent. Its strange how my request to be removed from the contract was denied, me requesting for the vehicle to be picked up several times after being behind on payments for several months is also denied, but a payment extension is done without consulting with me the other owner of the vehicle, even though we both parties share equal ownership of the vehicle.
11/29/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	FL 33404	Web
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX CarMax Auto FinanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1861 section 602 states i have rights to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer plan as late for any purpose. I took action of disputing this matter and even asked company to remove late payments in accordance with the law and was unsuccessful.
10/22/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
I am making a complaint about the account CARMAX AUTO FINANCE reporting onto my credit. This account is fraudulent and was not opened by me. I did not authorize or give consent for this account to be opened. I believe this account was opened by a family member of mine using my personal information without permission. I am requesting to have this account taken off of my report as this is a fraudulent account. I have filed an identity theft report and can provide that as well as any documents needed. Have made several disputes with the credit bureaus to no avail, XXXX what to do, and need help proceeding.
12/11/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91001	Web
My grandmother went to get a car around XXXX and she was not approved because of her credit was limited so she asked me to cosign for the car. Unfortunately she XX/XX/XXXXon XXXX of XXXX and we tried to notify the dealership about the problem and they never responded and told me that it was now my problem. They later came to reposes the car without even notifying me or calling me back. Now it popped on my credit report as a repossession and I never even had a chance to make any types of arrangement. I feel like this was handled with complete lack of faith to help from the bank. I even sent them proof
06/25/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90230	Web
On XX/XX/XXXX I called CarMax at approximately XXXX to make my XX/XX/XXXX payment. The office is in Georgia so they closed at XXXX XXXX California time. The CarMax phone system just told me to call during normal business hours. I called that day because I was told by their representative to call and pay by phone. Their system gave the same recording that they were closed and terminated the call. My younger sister passed away from XXXX the month before, in XXXX XXXX. I then made the payment while on vacation in XXXX XXXX early by the next morning. Remove the 30 day late from XX/XX/2019.
09/07/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IN 46254	Web
On XX/XX/2020, CarMax presented me with a fraudulent contract that infringed upon my rights as consumer. On or about XX/XX/2020, I sent a Debt Validation Letter and a Cease & Desist Letter by certified mail. On or about XX/XX/2020, I received from CarMax, a letter and a copy of my contract as an answer to my request. To resolve issues, on or about XX/XX/XXXX & XXXX, XXXX, I sent a notarized Affidavit of Truth outlining their violations, another Cease & Desist detailing my remedy, copies of my exhibits, and an invoice for my violations, again by certified mail. Please see attached documents.
03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web
The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMAX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
06/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MS 39501	Web
Ive been mistreated and Mislead from day one.XXXX Carmax Auto SuperStores , Inc has failed to provide validation of the debt, has repossessed my vehicle XXXX XXXX, and rejected my payment tender to recover my vehicle as of XX/XX/2022. They have broken the laws Congress 15 usc 1692F, 15 USC 6802, 15 USC 1692A ; K. The amount that was financed to me and/or credited on my behalf was {$29000.00}. The cash value of the car was {$30000.00}. Carmax practices in TILA but they are not doing their due diligence to make sure consumers rights are protected at the time of the consumer credit transaction.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32084	Web	Servicemember
I have a car loan with cad max, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. Car max sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused car max to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30316	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Carmax XXXX XXXX XX/XX/XXXX
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39042	Web
On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Carmax tradeline on my XXXX and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, XXXX and XXXX have failed to do so. I have sent several requests to XXXX and XXXX requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.
06/27/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30906	Web
I applied for an auto financing via CarMax on XX/XX/2022 and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can never be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. CarMax only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29407	Web
XXXX XXXX XXXX I had XXXX last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XX/XX/XXXX-XX/XX/XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with Carmax Auto and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.
05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98031	Web
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to carmax directly and when I did they refused to remove it
04/18/2017	No	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 27587	Web
CarMax Business Services LLC sold a car on XXXX XXXX XXXX and provided financing to someone who they should have known was not qualified to borrow any money. The person they provided the financing to has not had a job for over XXXX years and has never had a credit card or a loan. If they had done even the most basic credit check, they would have been able to determine this. Instead, the buyer was given a loan at almost 12 % interest. He will not be able to repay the loan and his family members had to assume the debt to avoid the risk of having the car repossessed.
05/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30008	Web
On XXXX/XXXX/XXXX car max requested to pull my credit for an auto loan. I was not in the market for a car and this was never authorized. A total of XXXX inquires throughout the XXXX bureaus from 6 different companies, which whom the other 5 say they pulled FOR car max, has been reporting on my credit. There are no open accounts or auto loans through any of these companies. I have contacted all 6 companies by phone email and letters only to get no results. XXXX, XXXX XXXX acceptance, XXXX XXXX XXXX ( twice same day on XXXX ) car max auto finance and XXXX XXXX XXXX servive
08/16/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60106	Web	Older American
I had a loan with CarMax and traded back the vehicle after 3 years. I asked them many times about the finance charges shown under account details and transaction history. I didn't get any satisfactory explanation and still wonder what it is the first and the second on the loan. After trading the car, it was done, I asked about the guaranteed asset protection XXXX XXXX and should they send me a check for it? I remember I paid it up front. A check was promised but never come. I changed my address but I also gave them my new address, and I have a mails forward as well.
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC 28358	Web
I have been having several problems with Carmax Auto Finance, they are currently reporting a fraudulent address attached to my name and social in which I have never lived. They have no authentication of this address being associated with me, but have merged my information with someone with a similar name and date of birth as mine. I was contacted by this individual to stop using her address as it was never done by me this was all done by Carmax Auto Finance and they have forwarded this information to the credit bureaus which is causing an issue on both sides.
01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90057	Web
Hi there, In 2019, I was a victim of identity theft because I had lost my wallet at the time. Inside my wallet, contained information such as my ID and SSN card. About a month after this incident, I got a notification on XXXX XXXX that there were multiple inquires made on my credit profile. All these inquiries were for car loans. What I am complaining about is the Carmax Account. I have sent multiple disputes but nothing has been done. CARMAX AUTO FINANCE ( Opened XXXX. XXXX, XXXX Balance {$27000.00} ) Can you please remove it from my credit report.
09/01/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	WA 98270	Web
I entered into a consumer credit transaction with Carmax Auto XXXX XXXX XXXX XXXX on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 us 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carmax Auto XXXX XXXX XXXX XXXX took cash in the amount of {$2600.00} as a deposit. The Finance charge is suppose to include insurance, but Carmax Auto XXXX XXXX XXXX XXXX made me purchase insurance separately. My consumer rights were violated.
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93003	Web	Servicemember
Carmax is conducting abusive business practice by putting false information on all three of my credit report. Carmax is not taking the time to fix. For example the amount past due is for {$6500.00} when there is a last actual payment amount of {$7100.00}. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.
02/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30344	Web	Older American
I purchase a XXXX XXXX from Carmax in XX/XX/XXXX. The car was a lemon came from Florida, it was also purchased for 3000 plus dollars by a consumer name XXXX XXXX in XXXX. Also I found a complaint filed with Flordia OFFICE OF ATTOTNEY GENERAL on XX/XX/XXXX. Dealer name XXXX XXXX. This vehicle was sold to me on XX/XX/XXXX. I am a senior and fiked Chapter XXXX Bankruptcy on XX/XX/XXXX. Carmax is trying to collect on this vehicle and Exemptions was applied. The car is not being reported because they know they are crooks.I can't live in a lemon car.
08/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28273	Web
I have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans Carmax paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full XXXX 's XXXX XXXX XXXX paid in full through 3 part collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed
02/20/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30019	Web	Servicemember
Im currently XXXX XXXX military and informed carmax that I wished to utilize my XXXX benefit and terminate my auto loan and no longer be indebted to Carmax auto finance. Ive served them with a notice of termination and have to tried to get them to terminate my loan but they keep telling me thats its not possible and I can only voluntary surrender the vehicle and they auction the car and I pay the remaining balance which is not what I needed done. They dont want me to terminate my loan even though its a clear right stipulated by XXXX law
10/14/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33823	Web
I told company I did not have vehicle and my ex-wife has the vehicle in Texas somewhere and thst info was given to carmax and they still had sheriffs showing up at my house looking for vehicle which a couple times my garage had be lifted somehow with me being home which has to be a breach of my property and invading my home when Im not home. This has happened numerous of times. Also a towing truck company contacted me looking for vehicle and left courtesy cards on my door when I have explained thst that vehicle was not in my possession..
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45140	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CARMAX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
06/23/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
I am a federally protected consumer and the original creditor. I am not obligated to Carmax auto finance alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Carmax auto finance is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Carmax continues to collect on this alleged debt and has been negatively reporting on my consumer credit report. I did not give carmax auto finance DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ).
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30318	Web	Servicemember
After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with CarMax XXXX XXXX. After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that CarMax XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. This letter is admittance to inaccurate information being furnished to XXXX, XXXX and XXXX for multiple years. ( Letter is Attached )
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44121	Web
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. Carmax Auto Finance XXXX XXXX XXXX XXXX Late Payments discussed with company that were supposed to be removed
07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20785	Web	Servicemember
My uncle and I have the share the same name his name is XXXX XXXX my name is XXXX XXXX. His date of birth is XXXX my date of birth is XX/XX/1969. While reviewing my credit report, I noticed a loan appearing from CARMAX. I spoke with my Uncle and he cosigned for a loan for his daughter. I called CARMAX and spoke with the finance office they confirmed that they are using the correct social security number for my uncle. The agency has associated my name with the account. There are several wrong name associations on my reports.
06/04/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	WV 254XX	Web
I paid off my vehicle loan for a XXXX XXXX XXXX to CarMax Auto Finance, in full, on XX/XX/XXXX in the amount of {$11000.00}. After recently moving to another state and needing to register my car in the new location, I discovered CarMax still has themselves listed as a lienholder and will not release the title despite providing them a bank statement proving the loan was paid, per CarMax 's own instructions. I have called the Auto Finance department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to get this issue resolved.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30035	Web
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 ( XXXX ) . 15 USC 1681 section 602 A states have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23455	Web
I am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights XX/XX/XXXX Both accounts ) XXXX XXXX - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77429	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 436XX	Web
CarMax Auto Finance Account # XXXX placed a derogatory mark on my credit report via XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors did not verify this collection. Also, there is no written form of communication, contract, or signature for the accused debt. A document without a signature does not validate debt. According to FCRA, CarMax has violated my rights as a consumer and I am requesting legal action to remove/delete the account immediately.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60610	Web	Servicemember
I have reached out to Carmax Auto Finance numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with Carmax being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 078XX	Web
I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. Carmax XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX. Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38138	Web
I have contacted XXXX and the Creditors ( Carmax Auto Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37211	Web
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX carmax reported my account late and in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/23/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 92585	Web
Carmax Auto Finance XXXX # XXXX is continually reporting late payments yet Ive never been late paying my auto loan here is a list of incorrectly reported late payments by carmax auto finance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX Ive read many complaints from other consumers and have realized that this is an on going practice of Carmax Auto Finance.
07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93063	Web
On XX/XX/XXXX I sent a letter to CarMax to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing CarMax to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 891XX	Web	Servicemember
I bought XXXX XXXX from Carmax in XX/XX/2022 for {$22000.00}. XX/XX/2022 someone collided with me in traffic and caused {$34000.00} in damages and the car was totaled by XXXX XXXX. During the time of settlement on this claim Carmax noted two late payments on my credit report. Since they were paid in full in less than five months of financing said vehicle the need to place late payments on this account was unnecessary cruel and has caused and continues to cause undue harm to my ability to finance another vehicle.
01/21/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 92881	Web
We have been making {$1000.00} payment since XXXX ( payment 24 ) to pay off the vehicle early ; I have called numerous times complaining about the payment history not reflecting the payment ; instead they are moving the payment due date into the future ; it appears they are charging double finance charges ; payment is $ XXXX/monthly which includes interest however, you will see separate charges for additional interest and the interest charges seems to be excessive. I ca n't even understand the payment history.
08/14/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TX 76182	Web
CarMax financial took a double payment from my checking account, I was charged {$170.00} in overdraft fees as a result. CarMax Auto Finance returned {$35.00} for the fee they caused, but they also caused me a additional, {$140.00} in fees. I have provided them a bank statement. One manager approved the request, the account department denied it. The servicing of my loan has been extremely poor and uneithical. I am asking for the {$170.00} to be applied to my XX/XX/2019 payment instead of money being sent to me.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30339	Web
Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports eight late payments while XXXX reports 13 all from car max, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06516	Web
Carmax Auto Finance reported me 30 days late to credit bureua for the month of XXXX. My payment for XXXX is not due until XXXX XXXX. Although i am 8 days late i should not have been credit reported 30 days to credit bureaus. I am not 30 days late for XXXX payment until on or after XXXX XXXX. I am requesting that the 30 day late mark be removed from credit file and I wlll not pursue further action. I have tried to handle directly with Carmax but was neglected. I have also attached supporting documentation.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21236	Web
I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30034	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written Instruction. Remove these late payments immediately and update my account as you are in direct violation of The Fair Credit Reporting Act.
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33063	Web	Servicemember
On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Carmax Auto Finance requesting that they delete inquiries on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at Carmax Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to XXXX XXXX XXXX XXXX bearing my signature.
02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30038	Web
I had an car loan with XXXX. The car was totaled and the insurance company left an XXXX balance in the account. They reported that 2 payments were late when the car was paid off already. I was never late on the payments. The car was totaled since XX/XX/2019. They received a check in XX/XX/XXXX, so how can XX/XX/XXXX and XX/XX/XXXX car payment be late. This is ridiculous and they need to remove those 2 negative remarks off my credit. I even called them to resolve this issue and the situation got worst!
10/09/2022	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33054	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnishes an account without my written instructions.
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40222	Web
On XX/XX/2023 I went to Carmax simply to browse vehicles, I noticed a XXXX XXXX that caught my eye and decided to take it for a test drive. When I came back from the test drive the sales representative asked if I would like to see the numbers. Upon doing so she ensued to run a hard credit inquiry on all three of my bureaus with multiple institutions ( XXXX inquiries on XXXX XXXX XXXX, and XXXX on XXXX. ) The representative didnt ask for my consent to pull my credit for XXXX inquiry let alone XXXX.
01/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33055	Web
I purchased the vehicle from car max in XX/XX/2021, the paper work like the title is still not registered to me and it has been over a year. I cant get a tag in my name because the car isnt registered to me but I have been making payments for over a year. Car max wants me to return the car in order to re do the paper work and that doesnt make any sense when I have already did the credit check, put a {$4000.00} down payment and now they car telling me I will have to do car buying process all over.
07/11/2022	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	AL 354XX	Web
In XX/XX/XXXX a person claiming to me bought a car at CarMax in XXXX, FL. I did not know of this until XX/XX/XXXX when I was notified of an eviction from an apartment lease. Once finding out that my identity had been stolen I immediately filed an FTC report and notified the XXXX Police Dept. Since this time I have contacted all three credit reporting agencies to dispute the accounts as not mine based on identity theft, but Carmax always veririfies the information. Attached is my FTC Report.
09/01/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30281	Web
XX/XX/2021 I walked into Carmax I was told to put down payment to get vehicle.. so {$5000.00} cash was taken and car insurance was issued before I could leave lot {$350.00}. So I had to get insurance with esurance.. According to 15 USC 1605 ( a ) - down payments or cash are illegal in any consumer finance charge everything should be included in the finance charge. And 15 USC 1605 ( a ) ( 5 ) -insurance should be included in the finance charge NOTE* a finance charge is the sum of all charges
12/31/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30349	Web
Greetings, I spoke with customer service regarding missing payments on several occasions with regards to payments made in XX/XX/XXXX/XX/XX/XXXXprior to the extension due to a hardship. Therefore the rep advised that I would have to pay interest on the loan since the payment would be moved to the back end. However the additional payments made were taken after the extension was granted. When I inquired the rep advised that it would be credited to my account, which to date has not been done.
07/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 125XX	Web
Carmax is reporting a fraudulent account to my credit report even after I contacted them, and explained that I have never had a loan through them nor have I ever purchased anything from them. I explained and showed proof that I am a victim of identity theft and that this account they are collecting on does not belong to me and needs to be immediately removed from my credit report. They refused to remove the fraudulent account from my credit report or even do anything about they fraud.
10/11/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CT 06516	Web
CARMAX AUTO FINANCE ACCOUNT XXXX AMT OWING {$2900.00} THEY REPORTED ME LATE XX/XX/XXXX AND XX/XX/XXXX. I LOOKED INTO BOTH PAYMENTS AND THEY WERE PAID BEFORE THE 30 DAY MARK. CARMAX WAS NOT POSTING MY PAYMENTS AND GIVING ME CREDIT ON THE DAYS I PAID, THERE WAS MULTIPLE DELAYS FROM THEM POSTING PAYMENTS FROM THE DAY THE ACTUALLY RECEIVED WHICH LEAD TO THESE 2 PAYMENTS BEING LATE. THEY INVESTIGATED A FEW OTHERS FOR ME THAT WAS LATE AND CORRECTED THEM BUT THESE 2 HAVE YET TO BE CORRECTED
11/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30906	Web
Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to a CarMax Auto FinanceXXXX XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed and CarMax denied credit. The denial by CarMax Auto FinanceXXXX XXXX XXXX XXXX my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53208	Web
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
05/25/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
On XXXX XXXX , 2017 I received an alert that a collection account was added to my credit file. I did not receive any prior notice that the account was going to collection. To my knowledge, I 'm suppose to receive written notice allowing me 30 days to dispute the validity. This is a direct violation of my rights. I need to see a copy if the documentation that was mailed to me at least 30 days prior, the address the notice was mailed to and any other supporting documentation.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60605	Web
This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted Carmax to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
06/07/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 707XX	Web
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30101	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 622XX	Web
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
06/07/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IA 50401	Web
Sent in copy of carmax reporting thats resulting in an inaccurate report on my credit report. Carmax acknowledge the error but still wont remove the negative reporting. and also n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
09/27/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 23608	Web	Older American
On XX/XX/2015 I went to the Car Max dealership looking to buy a car. I purchased a XXXX. The sticker price on the car was {$13000.00}. The interest rate was 8.95 %, which I felt was way too high. Also, the price of the car I feel was very high. Amount financed was {$16000.00}. Total of payments was {$21000.00}. Financed for 72 months at {$290.00} per month. Also, put {$500.00} down and purchased a warranty of {$1300.00}. I am a senior citizen with only {$1400.00} per month.
04/11/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CT 06511	Web
Car was totaled on XX/XX/22 and my insurance company payed CarMax off but before they paid them off the insurance company gave CarMax a check that was to much cancelled the check in XXXX and wrote a new check in XXXX CarMax don't like the new amount which was what I pay for the vehicle in XXXX so CarMax got the money from my insurance company XXXX XXXX and still billed me for the money they wanted from the first check and I don't believe that is right now I owe CarMax XXXX
01/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 211XX	Web
On XX/XX/XXXX, I wrote an inquiry dispute letter to XXXX XXXX XXXX regarding an unauthorized inquiry on my credit report. CarMax responded on XX/XX/XXXX advising a photo identification was requested on order to autheticate the applicants identity before the inquiry was made. Hence, I never provided any such info to CarMax nor has CarMax supplied me with a copy of my own PHOTO identification stating I made the inquiry. The inquiry was made without my consent or knowledge.
03/06/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60559	Web
I submitted an affidavit of Truth and facts to the finance company along with the cease and desist order for the alleged debt. The account was charged off and i never received a 1099c for the balance that the vehicle was charged off for, which is a violation of Federal and IRS laws and regulations. They did not respond to the affidavit that is attached and they did not comply with the cease and desist order. By law after 30 days an unrebutted affidavit stands as truth.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27263	Web
CarMax has reporting a increase in my balance to all 3 credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called CarMax on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all 3 of my credit reports.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36701	Web
Late Payments on my credit report. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/24/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MS XXXXX	Web
I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The company received a Notice and Demand to Validate Debt Claim on XX/XX/2020, according to the tracking info on the Notice. As of XX/XX/2020, no response has been received and the company is well over the 30 days alotted in the Notice and Demand to Validate the Debt. A Fiduciary Appointment was mailed and received by the company on XX/XX/2020.
04/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	WA 983XX	Web
Carmax Finance is charging {$11.00} per day finance fees. My payments are rejected. Money is just sitting in my account. Payment dates are shuffled around. I don't know if it's a digital error. They gave me 14.5 % APR so my interest alone is XXXX XXXX. I have paid XXXX on the car and it reflects that I owe the same as purchase. I owe XXXX XXXX today for late fees. Which are criminal and they aren't even allowing me to return the car. So I don't know what to do.
02/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95123	Web
I am a victim of identity theft. I recently pulled my credit report and noticed a collection that was placed on my credit report from a company that was opened by someone else. I was a victim of identity theft. This account was not opened by me. I am in desperate need for this to be removed and blocked. This has made my life very hard as I am in the process of trying to purchase a home for me and my son. Please remove as soon as possible please. Take Care, XXXX
08/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33021	Web
BOUGHT THE CAR NOW EVEN XXXX WEEKS AGO. HAD TO TAKE IN FOR A DENT IT HAD.PICKED IT UP YESTERDAY NOW THE EMERGENCY LIGHTS WO N'T TURN OFF & IS DRAINING THE BATTERY.I REQUESTED FOR MY CAR TO BE REPLACED. I HAVE LEFT SEVERAL MESSAGES FOR DIFFERENT REPS AT CAR MAX INCLUDING 2 MANAGERS & THE CORPORATE OFFICE. IS BEEN SEVERAL HOURS & I HAVE NOT RECEIVED ANY CALLS TO DISCUSS THE MATTER.I HAVE HEALTH ISSUES & THE SALES REP IS AWARE. THIS IS ONLY ADDING UN-Necessary XXXX.
01/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29625	Web
I'm exercising my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XXXX XXXX, 2021. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.
02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21218	Web
Contacted XXXX in XX/XX/XXXX to inquire as to why Car Max Auto Finance was reporting my account as late, when I have documentation from Car Max Auto Finance that my car was paid off in XX/XX/XXXX. Now, report from XXXX shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX balance on XXXX and XXXX.
09/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	LA 71111	Web	Servicemember
While I was XXXX from XXXX XXXX XXXX, someone utilized a fake Identity, to open a fraudulent auto loan account with Carmax Auto Finance XXXX When I spoke with the Carmax representative, they informed me the name that was used was a transposed verison of my last name, meaning the individual that opened the account used an ID that displayed a transposed version of my last name. My birth certificate and drivers license has only ever displayed my last name as XXXX.
07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44109	Web
XXXX accordance with the fair credit reporting act XXXX account carmax auto and XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2.. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
08/26/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS XXXXX	Web
Carmax did not honor this negotiable instrument. Payment was tendered for the complete amount in Accord and Satisfaction upon redeeming the instrument ( see attached ). Carmax accepted said payment in full and are still saying that I owe them. Carmax is in violation of 18 USC 1951 which states even if one makes a payment willingly, which I did because I felt forced and obligated to do so, against my will, payment was in fact made and they accepted that payment.
01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60073	Web
Every month they never update the credit report they report two different amounts for each credit bureau and they never report the amount paid by me each month I always pay a extra XXXX bucks they never report that on my credit and the balance says one thing on the app that I make payments on them what they are reporting to the bureaus I owe XXXX and thats not whats being reported to them Ive called and they tell me it will be updated never do it XXXX XXXX Wi,
11/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38115	Web
The account holder of the auto loan have made payments desired for the loan. When payments have been made, the company does not accurately input the information regarding to decrease credit score tarnish credit history such as delinquents. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32256	Web
I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37660	Web
I've disputed the missing Payment History on this account. This account is missing 17 months of payment history. The account opened in XX/XX/XXXX. There is no reporting on this account from XX/XX/XXXX to XX/XX/XXXX. It has been removed from the account and this is no longer FAIR. XXXX responded that CarMax verified that the account is accurate. This account is NOT accurate and NOT complete. Based on the reporting and information we have a FCRA violation
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
Contacted the dealer to notify them that different companies inquired on my credit being that a fraudulent application was made through their company. I told them that I do not authorize any one nor did I give authorization to run my credit to apply for any kind of financing with company and they stated that it would be moved and I have even addressed all the lenders directly and all directed me back to the dealer Carmax and theyre refusing to help me.
01/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29625	Web
Exercise my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30228	Web
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
04/11/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39213	Web
I applied for a car loan through Car max and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company Car Max in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was Car Max, and also XXXX XXXX the rest I had Absolutely no knowledge of.
09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32746	Web
in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 15 use 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33563	Web
I been making payments ahead of time and sometime sending extra money to be applied to the principle and i have statement to. The show debt the balance goes up instead of decreasing after i am paid at front all the time my total amount dude show {$0.00} and but carmax sent statement with amount {$3800.00} on XX/XX/2022 and on XX/XX/2022 they sent one with my balance XXXX how is posible when i paid ahead all the time and my principal is the same
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60634	Web
In accordance with the fair credit reporting account XXXX account # XXXX has violated my right. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A Creditor may not treat a payment on a car payment account under an open end consumer credit plan as a late payment for any purpose.
10/20/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	NC 27801	Web
Carmax auto finance was recently disputed from transuion credit file and was removed from file on XX/XX/2016. They re- inserted the account on XX/XX/XXXX but with no notification to me .I have disputed this fraudulent account with this company with deceptive tactics that they didnt consider my dispute because they responded before they got the notified letter they sent me which should be documented. I am backing up this claim with a law suit.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account : CARMAX AUTO FINANCE, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19145	Web
CarMax refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all XXXX bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.
11/09/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	FL 33068	Web
In accordance with he fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1555b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53208	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60302	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 : states I have the right to privacy. 15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27604	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01020	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48505	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55432	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60090	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 45 purpose.
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30067	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
04/15/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 38125	Web	Older American
I did a little research on repossession of vehicle ( automobile ) and came to the conclusion that there was NEVER a loan ... but an extension of my credit for the purchase of the automobile. Carmax took me to court and was awarded the automobiles back. General sessions court had NO jurisdiction because the amount was well over {$25000.00} dollars at that time I made the judge aware and she said she did. And identity theft. .fraud!
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90001	Web	Servicemember
I made a payment for {$440.00} on XX/XX/2022 for my XXXX car note payment. However there was an error with my bank that stop the wrong payment. I realized in XXXX that I had a late charged I immediately called Carmax to bring the payment current and to tell them that it was an error. I asked for a courtesy removal of the late charge since it was an error with my bank. They refused to do so. When I have proof that it was an error.
10/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32824	Web
I applied for a auto loan with carmax on XXXX they ran my credit with multiple hard inquiries and denied me after the advertise said everyone can get approved I spoke to the financial department and they told me I had to give XXXX down payment in order to loan a vehicle or the other option would be to get someone to co-sign for me, they discriminated me because of the false reports on my credit and lied about their advertising.
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70131	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	IL 60402	Web
In accordance with the credit report act This creditor Carmax has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states also states a consumer reporting agency can not furnish an account with out my instructions. Under 15 USC under 1666 B a creditor may be not treat a payment on a credit card account under a open and consumer plan as late for any purpose.
09/22/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 604XX	Web
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card ccount under an open end consumer credit plan as late for any purpose.
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30815	Web
I requested to have carmax auto finance account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.
05/10/2023	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	MD 21207	Web
In accordance with the fair credit Reporting act this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	GA 31907	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on credit accounts under an open end consumer credit plan as late for any purpose.
09/10/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19143	Web
my vehicle was unlawfully seized. The law is very clear on this matter ; 15 U.S. Code 1692e.False or misleading representations- ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
08/13/2023	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	IN 46222	Web	Servicemember
In accordance with the Fair Credit Reporting act, this creditor has violated my rights! Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60615	Web
in accordance with the fair credit reporting act carmax has violated my rights under 15 USC 1682 section 6 o2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60615	Web	Servicemember
in accordance with the fair credit reporting act carmax has violated my rights under 15 USC 1682 section 6 o2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30701	Web
Carmax Auto Finance is reporting a loan that was paid in full by XXXX XXXX XXXX XXXX XXXX as I did A refinance on vehicle. Yet Carmax is still reporting the account open and recently reported account late even though account is CLOSED but its not reporting as CLOSED paid in full with the three credit reporting agencies. Carmax is falsely reporting inaccurate information on this account which is negatively impacting my credit
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Sction 602 States I have the right to privacy. 15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33613	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
07/15/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	LA 708XX	Web
In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose.
03/18/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CT 06511	Web
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash but XXXX XXXX XXXX took cash. The finance is suppose to include insurance but XXXX XXXX XXXX made me purchase insurance seperately.
03/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19143	Web
CarMax Auto Finance has never gave me a loan. CarMax keep sending me bills. CarMax never responded to my Affidavit. I request CarMax Auto Finance send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). I, the consumer participated in a consumer credit transaction. I'm the original creditor, lender, executor administrator and holder in due course. See Affidavit sent XX/XX/XXXX XXXX
02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11201	Web
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web
I have a hard inquiry on my credit from CARMAX involving auto financing this account is paid in full and closed. In accordance with the fair credit reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
05/05/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 235XX	Web	Servicemember
Company is changing past due balance and date of last payment on credit report in an attempt to re-age an account that was about to fall off due to the age of the account, now it will not be removed when it was supposed to. I attempted to dispute the erroneous charges and dates with no success. Account is supposed to be deleted from credit report once caught re-aging accounts according the fair credit reporting act.
11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33055	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE XXXX Balance {$9900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30338	Web
All of these hard inquiries are on my XXXX report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull XXXX XXXX XXXX XXXXXX/XX/2019 Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) Carmax Auto FinancXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXXXXXX/XX/2019 Hard Inquiry ( never authorized )
09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06082	Web
Carmax provided an online preapproval tool and continuously ran hard inquiries across multiple lenders over several weeks as I was searching for a vehicle. The claimed it would be one hard inquiry for the entire time but that is false as I now see many inquiries. Many of the inquiries are form the same lender multiple times and is impacting my credit score and my ability to qualify based on credit worthiness.
03/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NJ 07106	Web
On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at XXXX XXXX and/or CarMax intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. XXXX XXXX and/or CarMax falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.
10/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37920	Web
I have filed a previous complaint against carmax auto finance, they broke the law and aware of it but. Did not acknowledge it,, they called prior to the complaint and left messages and then called the same number multiple times each day, after they let. When I filed a complaint they stopped calling, they tagged my account with a XXXX which I did not request, just want them to be respectful when they call.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70360	Web
Carmax XXXX XXXX is reporting a billing error. You can not report income on a consumer report and it must be excluded pursuant 15 usc 1681a ( A ) ( 2 ) ( I ) of the Fair Credit Reporting Act.. A charge off is a loss or expense. I am requesting to see proof of a 1099C form. Reporting unfair and inaccurate information on my consumer report has ruined my reputation and violates 12 cfr 1022. I do not agree.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 390XX	Web	Servicemember
On XXXX XXXX, 2021 while browsing cars on Carmax, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
10/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Web
I XXXX XXXX entered into a consumer credit transactions with CarMax Auto Superstores , Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but CarMax Auto Superstores , Inc made me purchase insurance separately.
01/13/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33055	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 864XX	Web
Purchased a car from them and set the car on Auto Pay when I purchased it. The lender took payments with no issues for 5 months. Then their system had an issue and on XX/XX/2021 their Auto Payment system did not work. The creditor reported me 30 days late which was an error on their part. I called them and I addressed this issue but they have yet to correct the reporting on my credit report.
07/09/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 95758	Web
I overpaid my car loan and now I am awaiting a phone call to explain how they neglected to apply additional payments to my principal and how they adjusted the final payment from XXXX to XXXX to keep a credit of {$110.00}. Keep in mind my account was set on auto pay I was never late but somehow they couldn't understand the payment schedule they created to receive a bonus amount at my expense.
02/03/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	LA 70360	Web
On XX/XX/2021 I received a letter from Carmax XXXX XXXX notifying me of a demand to pay an alleged debt of {$1300.00} due in full before XX/XX/2021. Carmax XXXX XXXX threatened to seize my property if I failed to pay the alleged debt in full which has harassed, abused, and oppressed my rights as a consumer pursuant 15 USC 1692d. Carmax XXXX XXXX has violated my privacy pursuant 15 USC 1692b.
01/11/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77039	Web
I, XXXX XXXX, entered into a credit consumer contract with XXXX XXXX XXXX in XX/XX/2018. They have not been responding, nor have they done the proper investigation requested. This has seriously hurt me as a consumer, and has caused a lot of stress. This debt has not been validated. They also shared my private information which is also a violation according to 15 USC 1681a ( d ) 2 ( a ) i.
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75252	Web	Older American
I finally was able to access my XXXX credit report and see on XXXX Carmax without my knowledge and consent somehow accessed my XXXX credit report info I have never had anything to do with them and not aware of of this and it is all total fake and fraud. I am not trying to buy or get any financing for any car and if this is that it is fraud. I also never had anything to do with carmax.
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91367	Web
I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY XXXX REPORT. I HAVE NEVER HAD ACCOUNT WITH CARMAX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. XXXX CREDIT REPORTING AGENCY DELETED THE CARMAX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, XXXX REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89148	Web
To whom it may concern : Upon reviewing a copy of my credit report, I discovered that I was a victim of identity theft as there was an auto loan with CARMAX AUTO FINANCE that was created XXXX XXXX XXXX I did not create this auto loan nor did I authorize my name to be on this loan. I have already disputed with all 3 credit bureaus however this negative item remains on my credit report.
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33144	Web
I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
01/04/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 28269	Web	Servicemember
Carmax has reported me late several times over the course of my loan. I would like them to validate and prove all reported lateness. During the course of my loan, carmax failed to send my monthly statement, and changed my due date several times, without me knowledge. I want all of the unsubstantiated late payments removed from my credit report, all three credit reporting agencies.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32570	Web
I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have worked with XXXX many times to correct the information they are reporting with no changes made to my credit record. I am asking that this account be updated and removed.
09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21133	Web
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02905	Web
XXXX car dealership- I went in to trade a car and carmax seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.
10/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89122	Web
Carmax Auto Finance # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.
08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38122	Web
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.
08/04/2021	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77449	Web
I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Carmax Auto Finance made me purchase insurance separately.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97124	Web	Servicemember
I paid off my car loan early with a cashier 's check from XXXX that was deposited by CarMax to their XXXX XXXX account. CarMax is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided XXXX with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.
11/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75134	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33325	Web	Servicemember
I contacted XXXX XXXX regarding one late payment showing on my credit report dated XX/XX/2016. The arrogant customer service representative did not make any efforts to assist with my request. My payment history has been excellent with the exception of ONE late payment. She rudely hung up on me without providing any other options to rectify the one reported late payment.
10/19/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 490XX	Web	Servicemember
Carmax Financial repoed my car in the middle of the night with no prior notification. I sent off full payment to them on XX/XX/2022 and they still repoed my car. This is the 2nd time that theyve violated my rights and had my property taken without any judicial involvement and without any proper notifications. 15 USC 16926 ( f ) states that Carmax has violated the law.
01/11/2022	Yes	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	MS 395XX	Web
For the last two days, a representative from CarMax XXXX XXXX has called me before XXXX XXXX and left voicemail. On Monday, XX/XX/2022, I was called by XXXX at XXXX am XXXX, and today, XXXX XXXX, 2022, she called me at XXXX am XXXX and left another voicemail. Ive had an auto loan with CarMax for six years now, and have never had a problem with them until this week.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46217	Web
on XX/XX/2023 I applied online for XXXX XXXX auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over 45 mins
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 028XX	Web
XXXX accordance with the Fair Credit Reporting act Convergent Account # XXXX Carmax auto finance XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
06/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 322XX	Web
I have called the company multiple times notating that my rights were violated when purchasing the car. I was not offered insurance during purchase. The rates are currently too high and they have disregarded my rights. Under truth lending 15 US code 1605 determination of finance charge. I will settle the for the title of my vehicle and refund the amount I have paid.
10/21/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 22191	Web
In several occasions, my account went past due. After I made arrangements to pay. Carmax continue to call several times for days. I asked Carmax to stop the calls but they wouldn't stop. Carmax attempted to collect the debt even when placing harassment complaints. This created a very bad case of emotional distress. I couldn't perform my job properly because of this.
05/13/2020	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	FL 32937	Web
I took out an auto Loan with Carmax Finance. Carmax has called my employer on several occasions. I called Carmax and asked them to only call my personal phone number which I provided to them again and not to call my employer. They continued to call my employer several more times, and i have repeatedly called them to stop doing this and only call my cell phone.
04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93304	Web
I have been fighting with Carmax now for months over a XXXX dollars that is showing on my credit report. This is ABSOLUTELY RIDICULOUS over XXXX dollars. It stopping me from getting the credit I need over XXXX dollars. I mean come on this is so stupid a company that HUGE is gon na make a big deal over XXXX dollars. I want this report from my report NOW!!!!.
10/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 38114	Web
I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Superstores , Inc finance on XX/XX/2021. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges.
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. This is the list of them. XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 CARMAX XXXX XXXX XX/XX/2022
03/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30281	Web
The car was broken down and I was told I need to wait months to get it fixed to use warranty I had paid for since the beginning of loan. I put XXXX cash down for car. I was told I was Eligible for refinance and or forbearance of loan while working through getting it fixed. I was in hospital and found out car was repossessed and sold at an auction in XXXX
03/15/2017	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	VA 23601	Web	Older American
I Trade in car with clear title that was send to me from that company.I told them i know longer have the car and for them to get in touch with the company I sign the title over to. for them to collect the balance they say i owe. They won '' t stop calling my cell phone and leaving messages. I no longer have that car it been gone since XXXX of last year.
11/23/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29681	Web
I had been behind on my car payment. I lost XXXX of my jobs during COVID. I was trying to catch up and just got another job. I was out of town and CarMax had my car repossessed. I was left stranded out of town. I had no prior warning that they were going to repossess my car. I have tried to ask them to change my payment due date but they never would.
08/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28078	Web
In XXXX and for XXXX I sent a Money Order by way of Coupon to cure the auto loan I have with CarMax. The company has failed to acknowledge the Negotiable Instrument on both occasions thereby allowing my account to go into a past due status with the threat of taking the collateral even though I have sent in a payment via electronic transfer in XXXX.
02/22/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85281	Web
I have a loan with CarMax. I am currently behind on the payment and have made payment arrangements through their online system to bring the account current. CarMax continues to call me leave messages and the call back again. They continue to first leave a message and then call back later in the day and not leave a message on the same phone number.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
This is for a closed account. The company reported incorrectly late payments in several occasions. The company refused to give me the information about payment dues. Their website doesn't work while traveling abroad for work. I sent them many request via mail, fax, email, with no response about the issue. They never call, sent letters, etc.
11/16/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 349XX	Web
This company refuses to validate his debt, the collector agency that they sold his account to XXXX XXXX Could not validate the debt, therefore, gave it back to Carmax. I disputed the debt and they can not validate, Carmax needs to update the records and update all of the three credit bureaus that this account is not mine, and this is harassment
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30296	Web
In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78665	Web
There are four ( 4 ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 398XX	Web
The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33013	Web
CARMAX AUTO FINANCE XXXX Opened XXXX Balance {$15000.00} Many times delays that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.
02/26/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20744	Web	Older American
I purchased the vehicle three years ago, I believed the stipulations on the loan were to high, so I tried to refinance through my Credit Union and I was told I would have to give them. {$3000.00}, because the car was not the worth the value I paid for it. I was unable to refinance it through anyone. Carmax is a RIP Off. Sincerely, XXXX
09/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	ME XXXXX	Web	Servicemember
Declared XXXX bankruptcy on XXXX. DIscharge on XXXX. Account is reporting incorrectly to with each credit reporting agency. One is reporting as open petition for bankruptcy, another discharged bankruptcy, and another removed the trade line. This is incorrect credit reporting, which is being supplied by the data furnisher ( creditor ).
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90731	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70601	Web
This company CarMax has placed a debt on my XXXX report in the amount of {$7200.00} that was removed from the other two reports as it couldnt be validated. I also proved that I had no knowledge of the account. It is also passed the statue of limitations of seven years. I would like for it to be removed promptly from my credit report.
06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70785	Web
CarMax refuses to remove a fraudulent account from my credit report after they allowed someone to use my state driver 's license and personal information to borrow an auto loan. I was not in the country hen the contract was signed and CarMax fail to remove their negative account from my credit report. PLEASE READ THE ATTACHMENTS!!!
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60620	Web
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91342	Web
erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.
02/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19143	Web
XX/XX/XXXX CarMax Inc received a bill of sale with a acceptance for value, special indorsement and a statement of the facts. XX/XX/XXXX I received two documents, a welcome letter and a notice of Reassignment. Can CarMax please respond to this complaint with a valid contract attached to it. XX/XX/XXXX I have no valid contract.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33178	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
06/17/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 606XX	Web	Servicemember
XX/XX/2019 my recurring payments were stopped without my knowledge and. A result my credit report now shows a missed payment. Once discovering this I made the payment before the next one was due and continued every payment thereafter on time. Im disputing this late payment and would like it removed from my credit history.
04/27/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 953XX	Web	Servicemember
XX/XX/2022 I placed an application for credit with CarMax. CarMax proceeded to complete a transaction using my ssn and once the transaction was complete CarMax proceeded to violate my federally protected consumer rights by sending me an adverse action letter denying credit based on reasons specifically prohibited by law.
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23454	Web
Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.
06/09/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	KS 66102	Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX ) XXXX Phone ( XXXX ) XXXX http : XXXX They have been trying to collect on an auto loan that has been paid off. XXXX XXXX # XXXX balance {$8900.00} date opened XX/XX/2021 for Carmax Auto Finance # XXXX
09/03/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90028	Web	Servicemember
Carmax is reporting a debt to my credit that I dont owe and obviously a result of identity theft. I have never done business with this company. Due to the significant amount of identity, I had to recently get a court order for a new social security number. So my current social security number is considered dead.
01/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30350	Web
I was shocked when i reviewed my credit report and found a late payment on the dates below : 30 Day Late - XXXX XXXX 30 Day Late - XXXX XXXX I am not sure how this happened, I believe that i had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60634	Web
Carmax Auto Finance have not updated my credit report since XX/XX/2021. A dispute was sent thru XXXX and per XXXX representative CarMax Auto Finance have not responded. This is now violating the FCRA. My account is paid and closed. Ive also sent a complaint for XXXX. XXXX and XXXX have been updated accordingly.
03/27/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89178	Web	Servicemember
The automobile financed through CarMax was repossessed illegally per, Special Protections for Military Servicemembers Under Federal Law. I was a XXXX for the XXXX XXXX XXXX XXXX XXXX on XXXX XXXX while my automobile was repossessed and debt was charged illegally to my credit report. In total of {$6700.00}
10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 32937	Web
I have been Paying Carmax on an auto finance loan for over a year and they are not reporting to the Credit Bureaus to report positive payment history. They are not reporting to the credit bureaus at all for this account. I have reached out multiple times to fix this report but they have not resolved this.
09/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	CA 94547	Web
I paid {$1000.00} extra on my down payment to lower my monthly, and there were no changes made. The service station does not handle recalls from the manufacturer and the manufacturer is far more shady than they are. When I call to get resolutions I am talked into circles and nothing is ever completed.
11/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60440	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35022	Web
The account is more than 7 years past the 1st delinquency. The term of the loan is reporting incorrect, the final payment is reporting incorrect, late payments are being reported to credit agency but not the on time payments. I wrote to carmax auto finance, and called to try to get this issue resolved.
06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72761	Web
I RECENTLY TRIED TO BUY CAR FROM CARMAX, I AUTORIZED THEM TO PULL THEM AND XXXX XXXX XXXX XXXX TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD XXXX XXXX DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM XXXX XXXX AND 1 FROM CARMAX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21218	Web	Servicemember
I am not sure if this account is in active status, or a charge off from 4 years ago. However, Carmax is still reporting as late and in active status. Non of this is true and all bureaus are reporting false information. The bureaus keep verifying false information as truth and reporting it accordingly.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21218	Web
I have inquiry from Carmax XXXX XXXX on XX/XX/2019 i never applied for a loan from carmax and never authorized anyone to inquire on my behalf. I called Carmax, asked for a supervisor. Asked for any proof of my authorization. they refused to give my anything also refused to remove from my credit report
06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 50401	Web
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
03/08/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 34112	Web
Provided only one way to payoff loan ( mail certified check to a po box ). Once I submitted payment, lending organization states they have not received. Not being able to confirm payoff has allowed the lender to continue to receive monthly payments and hold on to Certified Check issued from my bank.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 231XX	Web
Carmax auto finance has attached a remark to my credit report in regards to be being impacted by COVID 19, in which I was not impacted by COVID 19. I, in no way shape or form, requested anything regarding COVID 19. I did not find this out until I was attempting to refinance my car through my bank.
12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33410	Web
I sent letters on XX/XX/2021 andXX/XX/XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
08/22/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	VA 23462	Web	Servicemember
The car was repo and carmax sold it. But they keep trying charge me for the full amount. Also they refuse to apply the SCRA in my account! Im a XXXX XXXX and this account was made before my XXXX XXXX status. If the information its incorrect the remark should be excluded of my credit report.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21217	Web
I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. Auto sales pre-qualification became hard inquiries
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 212XX	Web
In accordance with the Fair Credit Reporting Act, [ CARMAX AUTO FINANCE XXXX ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75165	Web
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. All XXXX credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
04/19/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32256	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XXXX of this year I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 310XX	Web
In accordance with the fair credit reporting act convergent accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 161XX	Web
Submitted a preapproval to carmax. Was told it was not affect my credit as it would be a soft pull. Received several hard inquiries. Contacted both the company and 3 credit bureaus, still no results XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/10/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	LA 70737	Web	Servicemember
Carmax did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46268	Web
This company has been reporting late payments to my account causing me to not be able to be approved for a home for my family. This company is misusing my privacy and concern laws by reporting late payments to my account. There is no law stating that any transaction needs to be reported.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30094	Web
I have multiple inquiries from a company called : Carmax Auto Finance The dates are : XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX credit report.
12/13/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 319XX	Web
I currently have a car loan with XXXX XXXX and my payments are on time. Since I got this loan and was a day late on payments, I continue to receive phone calls, every single day at all times of the day. It is harassment at this point. I have already asked them to stop and it continues.
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77642	Web
CarMax has been reporting the account below as a charge off for more than 4 years but never received the 1099-C. Demand that 1099-C be forwarded. Attached is payment history being report to reporting agency. Failure to comply is violation rights under FCRA. Account Number XXXX XXXX
04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60628	Web	Servicemember
CarMax is still reporting on my credit that my balance is past due. They sold the car on XX/XX/XXXX but reported me past due on the XXXX of XXXX. They are retaliating against me using my credit score it's hard enough for XXXX people to get things and then a corporation can just lie.
07/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	DC XXXXX	Web
I am not happy that Carmax financial wont info to the credit bureaus. They has ripoff and hiding from me. My payment still make {$180.00} every monthly and current balance is & XXXX now. I find my credit reports balance is {$4600.00} in XXXX because its not matching on the balance.
01/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 761XX	Web
On XX/XX/XXXX I sent a letter to rescind my car contract. In the letter I stated the violations the company has violated as well as what I wanted. They had XXXX days to respond and have yet to respond. I always saw XXXX pages in my car contract that were signed by somebody else.
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85008	Web
Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy
11/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MS 39501	Web
On XX/XX/2020, I entered into a financial agreement with CarMax, which included an interest component. However, I have recently come across information that suggests that I am in-fact entitled to a refund of unearned interest pursuant to USC 1615 , in the amount of {$18000.00}.
12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90034	Web
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Carmax to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30223	Web
My car loan was paid off in full. Instead of it reflecting that Carmax only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95823	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
10/10/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 352XX	Web
Carmax Auto Finance charged excessive fees for a loan that already had high interest. My car has been paid off for two years. They refuse to release my title. The robo call me from an unidentified number. I paid triple the amount my car was worth. Their fees are predatory.
06/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30043	Web
On X/X/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my XXXX credit reports. I 've already reached out to them directly but to no success.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 366XX	Web	Servicemember
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
09/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CA 90037	Web
I was denied an extension of my own credit, by CARMAX and XXXX XXXX XXXX back in about mid XXXX. This Adverse Action is due to them demanding an illegal down payment on a consumer credit transaction after taking my SSN # and processing as well as approving my loan.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 902XX	Web
Carmax ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70805	Web
I reached out to Carmax since XX/XX/2020 about my reduced hours during Covid 19. I was granted 2 extensions however I received negative credit marking with late. I discuss with Carmax about the Cares Act section 4201 and Carmax refused to remove negative markings.
05/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33993	Web	Servicemember
CARMAX AUTO FINANCE Last reported XXXX XXXX, XXXX {$8600.00} Reported balance Highest balance {$16000.00} You've paid off 47 % of this loan OVERVIEW Highest balance {$16000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 2 mos ) Term 74 months ( 6 years )
01/10/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 284XX	Web
Carmax auto finance continues to report a payment on XX/XX/2019 as a late payment, I have contacted the company numerous time but it still remains as a late payment on my credit reports, have also disputed via credit reporting agencies with no positive outcome.
10/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	KS 67207	Web	Servicemember
On XX/XX/2022 purchased car with retail installment contract. {$47000.00} value. Non Disclosure was violated because of securitization of contract. Unfair and deceptive practices and possible securities violations. Carmax Auto Finance is the company violating.
01/28/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 210XX	Web
XXXX XXXX car max -- ran my credit report without authorization. On XX/XX/2019, they ask if i wanted to see how much the loan was and if I qualified. THey had not looked at my trade in and the sales person simple ran my credit report without my permisssion.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 31548	Web
CarMax Auto Finance falsely reported that consumers owes them money. consequently, prevent consumers from obtaining other loans that violate consumers Civil and Constitutional rights ( life, liberty, and property ) life, liberty and the pursuit of happiness.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33009	Web
this car loan has been closed since XX/XX/2020, and it was also sent to auction and sold satisfying the loan, I also had gap insurance on the vehicle. this car is still reporting on my credit profile as if i still have this car in my possession. I do not.
10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
I paid off my car in XX/XX/XXXX. Carmax chg my payment history 8 months later in XX/XX/XXXX. I dont show I was delinquent on any of my credit reports or documents. Why report on my loan for payments 3 years ago, 8 months after payoff. I need it corrected
01/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MO 641XX	Web
CarMax falsified or participated in fraud by giving a false and inaccurate XXXX XXXX lending finance charge statement when in connection with a consumer credit transaction, informing me I needed a {$20000.00} down payment. See attachments for violations
01/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28314	Web	Servicemember
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76112	Web
Items where illegally ran on my credit. Not giving consent to do so by me.! XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX carmax XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
08/24/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS XXXXX	Web
XXXX XXXX XXXX is attempting to seize my property on a debt that they can not validate nor verify. XXXX XXXX XXXX has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.
05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44108	Web
Upon checking my consumer report Im discovered an alarming amount of unknown inquirers. I have no knowledge of this inquiry and pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I demand that I receive {$1000.00} for this blatant violation.
04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CarMax XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap
10/20/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WA 98584	Web
I have a co-signed car loan with Carmax. I am not even 30 days late, and will not be 30 days late. They continue to repeatedly call myself and my co-signer more that 5 times per day. I told them they will be paid, there is no need to keep calling.
03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21220	Web
I been contacting XXXX for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
07/16/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 799XX	Web	Servicemember
The company Carmax auto finance repossessed my vehicle with 1 day notice. Once I was offered a payment plan I made the payment and they still took my car. I made the payment of XXXX XX/XX/2022 and my vehicle still was taken from my possession.
08/15/2023	Yes	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	IN 472XX	Web
This is in regards to Carmax financial. After making a payment online earlier in the day, they proceeded to call after XXXX regarding this without checking the pending payment. They woke my child and stated they can call anytime before XXXX.
02/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29681	Web
My car was repossessed back in XXXX. I had to pay {$2100.00} to get it back. I was told that some of the past due would be put at the end of the loan. Its still showing {$1200.00} past due. CarMax didnt keep the promise that was made to me.
01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 442XX	Web
I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.
05/16/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19143	Web
XXXX XXXX XXXX has took out a loan in my name without my permission. I request an audit trail in accordance with XXXX. I am the consumer in fact, I am the original creditor, everything I do is for family, household and personal purposes.
11/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91942	Web
XX/XX/18 Carmax made a fraudulent hard inquiry to my XXXX report. I have been unable to reach them by phone. I am an identity theft victim and attaching relevant police report. XXXX has instructed me to contact each individual company.
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 334XX	Web	Servicemember
I have an account with Carmax that is not showing on my XXXX credit report. I have contacted Carmax with no results. The account shows on XXXX and XXXX, but not XXXX. I also contacted XXXX but they report what is given to them.
01/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33174	Web
I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.
12/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33705	Web	Servicemember
I am a federal protected consumer. CarMax, is attempting to collect alleged debt and I have responded to the with my Affidavit of Truth. Since it's been 30 days have gone by with no response from CarMax. Please see attached
07/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76063	Web
I have recently obtained a copy of my credit report. I have no knowledge of this item, nor did I authorize it. Please remove this file off my credit it is hindering me. I have applied for anything within the last two years.
10/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 22601	Web
I saw that my personal information was used to open a car loan at CarMax. And this account is over charged. This is not my account. I did not open this account or authorize this account. I do not have car loan with carmax.
09/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78207	Web
Debt was paid off in full XX/XX/2019. Carmax has inaccurate accounting Carmax is reporting the Charge off of XXXX. Carmax is documenting a charge off dated XX/XX/2019 of XXXX. Carmax refuses to help me resolve this issue.
11/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 750XX	Web
XX/XX/XXXX someone purchased a car in my name at Carmax in XXXX OH. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX Bank approved the auto loan. Fraud contact is XXXX XXXX ext XXXX
11/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32304	Web	Servicemember
My identity was compromised and 2 vehicles were opened. Ive begun the dispute for the lease with XXXX and one bureau has deleted it. Now I am disputing this auto loan. I have completed an FTC report and still had no luck.
07/08/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 11201	Web
Under the GLB Act of 1999 nonpublic information such as late payments, charges off and debt shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 630XX	Web
I viewed my XXXX credit report and noticed 4 inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 66104	Web
Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70458	Web
VIOLATION OF 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for victims of Identity Fraud, Unauthorized Release of Information by XXXX/ Officers/ Employees to CARMAX XXXX XXXX XXXX XXXX, GA XXXX
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91784	Web
Carmax reported on XX/XX/21 on my credit report which I didn't authorize or apply for any car loan and it appears on my credit report ... .Their address XXXX XXXX XXXX XXXX GA XXXX Their phone number ( XXXX ) XXXX
11/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TN 37129	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90012	Web
I am writing this to let this company aware that I know my rights as a consumer! Under FCRA law 15 USC 1681s ( 2 ) this company is in violation from furnishing inaccurate and an improper use of my consumer file.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 300XX	Web
i have this on my XXXX report that i requested a inquire but i was in a XXXX and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
10/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL XXXXX	Web
I have made several complaints against Carmax I pay on time over pay and the loan continues to increase rather decrease the hen when I complain they temporarily correct it the need to be audited they owe me.
08/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33407	Web
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.
12/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33186	Web
On XXXX/XXXX/2015 carmax charged me twice & its on my bank statement & I faxed them a copy of the charges. They are still declining the double charge. Check # XXXX is an unathorized charge. I need help
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	CA 93304	Web
I have received too many inquiries in the last 3 months about credit applications under my name, which I haven't applied for. I have already filed a freeze with one of the credit reporting agencies.
02/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97520	Web
I have been disputing XXXX XXXX XXXX account in order to have it removed from my credit report as I feel based upon my research it is not reporting accurately or in compliance with FCRA or the FDCPA
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 334XX	Web	Servicemember
This account has not been reported to the bureaus since my last complaint filed against Carmax with this office. The account is now paid in full and it is still reflection open and with a balance.
01/19/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77450	Web
Carmax continues to violate my consumer rights. I have sent an affidavit of truth, debt validation letter, and cease and desist. They continue to harass me on a daily basis, multiple times a day.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75214	Web
I have been a victim of identity theft and there is a fraudulent in that was opened in my name due to fraud. The credit bureaus are still reporting fraudulently information on my credit filed.
09/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 398XX	Web
Company have called and sent letters regarding vehicle after I have told them not to contact me anymore. Havent sold vehicle as of XX/XX/2022 but put a charge off on my credit for {$14000.00}.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web
All of these companies was not done from me. Please remove I have been hospitalized due to XXXX. 1.XXXX XXXX XXXX XXXX 3.Carmax 4.XXXX XXXX XXXX 5XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30341	Web
Your company failed to provide me with a statement 21 days before sending out any of my personal non public information as required by the FCRA and 15 usc 1666 under the Truth In Lending Act.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30294	Web
This inquiry was made on XX/XX/2018 when trying to purchase a vehicle at Carmax-XXXX. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.
04/19/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92101	Web	Servicemember
This creditor failed to close my account after the debt had been paid off. It took them 6 months so move the status to closed and it still continues to show negatively on my credit score.
12/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29607	Web
I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.
04/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 223XX	Web
I recently noticed a numerous amount of auto loan inquiries on my credit report and filed a complaint. My personal information was compromised in a data breach and I fear this may be why.
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32208	Web	Servicemember
I am trying to purchase a home and was advised of damages on credit report detrimental to my character. According to the 15usc1681 please remove all fraudulent information immediately.
01/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
XXXX XXXX : This is my fathers credit, XXXX XXXX XXXX. I am XXXX XXXX XXXX. Two different people, THIS IS NOT MY ACCOUNT AND NEVER WAS! REMOVE FROM MY CREDIT REPORT PLEASE.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 454XX	Web
Account is paid and closed with {$0.00} balance. They mailed the vehicle title to me. I own the vehicle free and clear ; however my credit report does not reflect this.
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.
06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 600XX	Web	Older American
My wife and I had a vehicle loan through Carmax. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.
11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75503	Web
I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
03/26/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	VA 22030	Web
Carmax continues to make contact in order to collect payments/repossess vehicle numerous times after being made aware I have retained an attorney for bankruptcy.
10/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60440	Web
I detest this! I've sent complaints and disputes for months now, but I haven't received any response. I'm being hurt and under a lot of stress because of this.
05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 360XX	Web
I have contacted these companies as well as XXXX to get these matters resolve but they keep replying saying that inquiries are factual data that I authorized.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92404	Web
XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. I was told to dispute and the will approve
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33137	Web
Carmax auto finance is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77084	Web
CarMax is reporting this account incorrectly. This account has been paid in full and should reflect so. Please update this account to paid in full as agreed.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	LA 713XX	Web
My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.
05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30341	Web
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
11/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30141	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20019	Web
There is an account reporting INCORRECT INFORMATION. CAR MAX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on XXXX
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30345	Web
I have filled a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29803	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/19/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	LA 70737	Web	Servicemember
I am a federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
01/03/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60707	Web
I paid off a debt for a car from carmax. Recently I noticed that my credit report was being attacked an charged for the same debt that I already paid.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77025	Web
I have contacted the company in regards to the late payments. I was told this would be rectified however nothing has been done. PLEASE SEE ATTACHED
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76039	Web
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX requesting documented proof of the credit inquiries listed on my credit report.
03/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 341XX	Web
This auto loan was a joint account. Opened in XX/XX/15. And we contacted the loan company to resolve this once the other party took over the loan.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21117	Web
CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX GA XXXX I do not recognize this account this is reporting inaccurate information on my credit report
09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92553	Web
I have sent letters out multiple times and nothing has been done to address my issues. I have not received any correspondence from the bureaus.
07/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	LA XXXXX	Web
bought a vehicle thru carmax returned it wouldny take it back stuck me with bad debt because i returned other lemon vechilces to company before
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38116	Web
ON XXXX/XXXX/2022, Sent a letter to Carmax, XXXX, and XXXX informing them the information they are report to my consumer report is inaccurate.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27030	Web
Rate shopping within a certain time frame is improperly reflected as multiple hard inquiries. I do not recognize all of these hard inquiries.
06/17/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33311	Web
XXXX hi good morning carmax closed the account at the balance {$6000.00} do i pay the balance or ask you guy to remove it off my credit.
02/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46410	Web
There is a Carmax on my credit report that I did not authorize nor do I have ANY knowledge of it. I tried disputing it on XX/XX/22
03/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30248	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
02/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31419	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
10/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web
I have a hard inquiry from CarMax, when I didn't want them to check my credit for a used vehicle on XX/XX/XXXX that wasn't me.
12/26/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29505	Web
The account was with XXXX XXXX Finance. They have late payments listed that never happened. All payments were paid as agreed.
04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28358	Web
Literally Done Called And Sent Letters They Just Continue To Update When I Authorize Nobody To Run My Credit Or Look At It.
01/19/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60707	Web
their is a car note that was opened in my name without my consent, I would like this issue to be fixed as soon as possible.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29020	Web
The company let me kno that my info and social security number is attached to the account and for that reason it's my debt
10/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92806	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60502	Web
Carmax auto finance not my account and I want removal off my credit Carmax XXXX is the amount Account number XXXX
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web	Older American
as a over the XXXX XXXX XXXX I have my personal information stolen from individuals that i let live in my home
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48188	Web
Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36303	Web
From XX/XX/2023 to XX/XX/2023, the company ran my credit report 4 times and the original terms were changed.
06/03/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MO 65101	Web	Servicemember
This is a MOBILE PHONE ; it is illegal to call this number under the TCPA and continual non-stop harassment.
09/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	SC 29625	Web
CarMax involved abusive debt collections practices but has not rectified it and I have recorded audio files
03/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72712	Web
PLEASE RE-INSERT MY CARMAX LOAN INTO XXXX CREDIT REPORTS, IT WAS DELETED IN ERROR. LOAN NO ENDING IN # XXXX
06/13/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 76504	Web
Carmax wrote off through taxes over XXXX dollars for this account but are still adding it to my credit.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 60628	Web
I have had my credit pulled 32 times from a numerous amount of different companys without my permission
02/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
This is an auto loan account that has been placed against my credit. This account does not belong to me
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30281	Web
Carmax financial reporting 60 days late on credit reports. XXXX XXXX, XXXX. Please fix this problem.
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 317XX	Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
02/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77096	Web
Down payment was made, and I was told vehicle would be financed by exerter finance but wasnt.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30223	Web
I was a victim of identity theft and there are inquires on my report that I do not recognize
01/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 372XX	Web
On the date of XX/XX/2021 the amount of {$4000.00} was used for a down payment of a vehicle.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 17602	Web
I do not any of the companies on my inquires I havent done any business with these companies
01/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77077	Web
I never authorized this inquiry. Never heard of the company. Never gave a written consent
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94533	Web
Seen several unknown hard inquiries on my consumer report and I would like them removed.
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
07/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91601	Web
Someone stole my identity and opened many accounts without my permission or authority.
10/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	MS 386XX	Web
Credit was ran without my permission. Already had a pre approval letter from XXXX.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 368XX	Web
Wouldnt work with me due to me being out on XXXX leave from work after XXXX XXXX
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44122	Web
I have no relationship with this company and I did not authorize this inquiry.
02/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20735	Web
I have a credit inquiry dated XX/XX/2017 from CARMAX that I did not authorize.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77373	Web
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92105	Web
Carmax continue report old account to XXXX. they violated FCRA 7 years rules
04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93305	Web
I have so many inquiries from companies the same company over and over again
06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77581	Web
Someone use my information to obtain a car loan with car max auto finance
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95838	Web
This account is Fraud, I never give anyone permission to pull my report.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30294	Web
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY ACCOUNT.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11201	Web
The following late payments are billing errors pursuant to 15 USC 1666b
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91784	Web
I didnt Authorize this company to run my credit On XX/XX/2021 2021
02/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31907	Web
Didnt apply for auto loan application Carmax XXXX XX/XX/2022 2022
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32505	Web
I have hard inquiries on my credit score that i did not do.
02/23/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27801	Web
Identity theft someone used my identity to purchase a car.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC 20032	Web
I Never made these inquiries on my account! PLEASE REMOVE
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60411	Web
There are unauthorized businesses on my credit report.
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60411	Web
There are unauthorized businesses on my credit report.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60411	Web
There are unauthorized businesses on my credit report.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30014	Web
My identity was used fraudulently on XXXX. XXXX, 2022.
06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77904	Web	Older American, Servicemember
The information about late payments is incorrect.
06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93611	Web	Servicemember
Car max said I was never. I have never been late
12/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	ID 83704	Web
Multiple car companies and credit cards
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web	Servicemember
Information shared not with consent.
03/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77087	Web
I did not allowed to run my credit.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
CarMax reporting wrong information
04/23/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	AL 368XX	Web
Never opened account with merchant
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 32209	Web
Did not take off my credit report
02/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77067	Web
This account is over 7 years old.
11/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 90220	Web
I need to work on this situation
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39157	Web
Erroneous information reported.
01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 365XX	Web

01/27/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60409	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89115	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AL 36830	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45431	Web

01/26/2024	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30253	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	FL 33837	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75248	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	MD 211XX	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 77060	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90604	Web

01/23/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 306XX	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77387	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30179	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 77355	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	SC XXXXX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20723	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33573	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 705XX	Web

01/20/2024	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	TX 76111	Web

01/20/2024	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TN 37067	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30122	Web

01/19/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30101	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23831	Web	Servicemember

01/19/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	MS 391XX	Web	Servicemember

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76014	Phone	Older American, Servicemember

01/18/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	CA 91344	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33160	Web

01/18/2024	Yes	Vehicle loan or lease Lease	Repossession Company communicating payment assistance or payment extension options	FL 32901	Web

01/17/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30045	Web

01/16/2024	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 77725	Postal mail

01/15/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	AL XXXXX	Web

01/13/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77084	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40222	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31322	Web

01/12/2024	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 93063	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28677	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30054	Web

01/11/2024	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TN 38115	Web

01/10/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MS 39440	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29229	Web

01/10/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 27610	Web

01/08/2024	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29611	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32114	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA XXXXX	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23518	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23518	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30319	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31639	Web

01/05/2024	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21211	Phone	Servicemember

01/05/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30349	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73507	Web	Servicemember

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60651	Web

01/03/2024	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	GA 30045	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web

01/01/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	MD 20720	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94130	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77095	Web

12/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 306XX	Web

12/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27610	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30336	Web

12/26/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	CA 92879	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77642	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07008	Web

12/24/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 32114	Web

12/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73507	Web	Servicemember

12/21/2023	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 78759	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20906	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40503	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73507	Web	Servicemember

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30213	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60649	Web

12/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	DC 20011	Web

12/16/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 306XX	Web	Older American

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94531	Web

12/14/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11235	Web

12/13/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	GA 30331	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77406	Web

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	MS 393XX	Web

12/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33020	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	CA 91739	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28803	Web

12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21215	Web

12/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 22407	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30127	Web

11/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80918	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08060	Web

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92392	Web

11/24/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33647	Web

11/20/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	SC 29606	Web

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89141	Web

11/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 39213	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SD 57108	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30067	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90250	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40356	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89002	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95815	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77003	Web

11/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32223	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89044	Web	Servicemember

11/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77725	Phone

10/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98087	Web

10/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	OK 73120	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28105	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	MO 64155	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75216	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23228	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30813	Web

10/17/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	MD 20772	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33060	Web

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38122	Web	Servicemember

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32222	Web

10/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TX 75060	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53216	Web

10/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34652	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60466	Web

10/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	FL 33139	Web	Servicemember

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39211	Web

10/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Was approved for a loan, but didn't receive the money	GA 308XX	Web

10/05/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48237	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28110	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34238	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92395	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19701	Web

09/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33324	Web

09/20/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92307	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60659	Web

09/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	IL 60653	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40503	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38834	Web	Servicemember

09/07/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32805	Phone

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77043	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77079	Web

09/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 39827	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98466	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18017	Web	Servicemember

08/29/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	IL 60445	Web

08/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60616	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30318	Web

08/27/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NV 89044	Web	Servicemember

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 12210	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77584	Web

08/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75252	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34711	Web

08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60466	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	GA 30013	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78253	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53208	Web

08/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75252	Web	Older American

08/12/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CA 92683	Web	Servicemember

08/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31601	Web

08/09/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	VA 23832	Web

08/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60561	Web	Servicemember

08/07/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30349	Web

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33140	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33154	Web

08/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 76306	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36526	Web

07/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77290	Web	Servicemember

07/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI 48228	Web

07/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 48228	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94122	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30309	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20011	Web

07/11/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web	Older American

07/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	GA 30349	Web

07/07/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92618	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29484	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78239	Web

07/05/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	DE 19808	Web

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78006	Web

06/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30349	Web

06/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MO 64012	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60603	Web

06/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89156	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06514	Web

06/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30310	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MS 39341	Web

06/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30349	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78256	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30345	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32835	Web

06/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33068	Web

06/13/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77494	Phone

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89178	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 90293	Web

06/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 93501	Web	Servicemember

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 99223	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20716	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 90802	Web

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77450	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37209	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95407	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77384	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23666	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60107	Web

05/17/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89014	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 146XX	Web

05/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 21215	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92111	Web

05/15/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MO 63031	Web

05/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	CA 94544	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33756	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20716	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92618	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55369	Web

05/02/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 783XX	Web	Servicemember

04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77096	Web

04/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30281	Web	Servicemember

04/27/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32084	Web	Servicemember

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10306	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	OH 43604	Web	Servicemember

04/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 76155	Web

04/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 94544	Web

04/21/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 49001	Web	Servicemember

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15213	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91401	Web

04/18/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31035	Web

04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 66209	Web	Servicemember

04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32097	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38829	Web

04/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MN 55044	Web

04/07/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21215	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95206	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30326	Web

04/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 37086	Web

04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39759	Web

04/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28213	Web

04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60107	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89107	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39209	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 95267	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21060	Web

03/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60452	Web

03/26/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	SC 29505	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90504	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30168	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35111	Web

03/19/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	DE 19805	Web

03/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MO 641XX	Web

03/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	IL 60653	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89107	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33129	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33574	Web

03/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 28204	Phone

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70122	Web

03/12/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30253	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75034	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89141	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20110	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20601	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28306	Web	Servicemember

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32839	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70090	Web

03/03/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 90008	Web

03/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60563	Web

02/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75217	Web

02/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21215	Web

02/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 28204	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27292	Web

02/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30308	Web

02/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CT 06606	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29680	Web

02/15/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 27610	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33169	Web

02/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60452	Web

02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 14616	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06037	Web

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75093	Phone

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20716	Web

02/07/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TN 38016	Web	Servicemember

02/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30308	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19406	Web

02/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NY 14615	Web

01/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 641XX	Web

01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38703	Web

01/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	DE 19801	Web

01/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31537	Web

01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35115	Web

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85042	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93720	Web

01/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 76164	Web

01/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 75040	Web

01/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 94122	Web

01/12/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11201	Web

01/12/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 28215	Phone

01/10/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	NV 89014	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92129	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60107	Web

01/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web

01/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19150	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19139	Web

01/05/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MO 65616	Web	Servicemember

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60411	Web

01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94533	Web	Servicemember

12/31/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 07008	Web

12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75662	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85339	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 31206	Web	Servicemember

12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06053	Web

12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34638	Web

12/24/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	IN 46225	Web

12/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 76548	Web

12/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 76548	Web

12/21/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30045	Web

12/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30324	Web

12/21/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 92253	Web

12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 22310	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33610	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92056	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33487	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75093	Phone

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77066	Web	Servicemember

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33084	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30338	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27592	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77057	Web

11/26/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33612	Web

11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30294	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70458	Web

11/22/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77469	Web

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95376	Web	Older American

11/21/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 92307	Web

11/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35235	Web

11/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	KY 422XX	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30519	Web

11/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60653	Web

11/14/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	IL 60653	Web

11/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95838	Web

11/11/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11201	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60706	Web

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89147	Phone

11/08/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92618	Web

11/05/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NJ 07008	Web

11/04/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 43207	Web

11/03/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	CA 92111	Phone

10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27616	Web

10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21795	Web

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33127	Web	Servicemember

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32222	Web

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90802	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70461	Web

10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30294	Web

10/17/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	NV 89014	Web

10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web

10/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MS 39272	Web

10/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MS 39272	Web

10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 86444	Web

10/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30310	Referral

10/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 07008	Web

10/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 76544	Web

10/04/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27502	Web

10/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	DC 20003	Web

10/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 60653	Web

09/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77066	Web	Servicemember

09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32315	Web

09/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 76543	Web

09/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60653	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46410	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30134	Web

09/10/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 78727	Web

09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33174	Phone

09/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 92307	Web

09/02/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	OH 44106	Phone

09/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27525	Referral

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

08/31/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30316	Web

08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 33024	Web

08/25/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AL 35214	Web

08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79936	Web

08/22/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	VA 23805	Web

08/19/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	SC 29209	Web

08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75189	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NE 68521	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34786	Web

08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38641	Web

08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33319	Web

08/12/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	OR 97019	Web

08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33912	Web	Servicemember

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60628	Web	Servicemember

08/06/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 33024	Web

08/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30341	Web

08/04/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33321	Web	Servicemember

08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30342	Web

08/02/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CT 06095	Web

08/02/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	SC 29209	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web

08/01/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	KY 40403	Web	Servicemember

07/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60440	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92122	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89146	Web

07/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43110	Web

07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30134	Web	Servicemember

07/18/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	OR 97304	Web

07/18/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21221	Web

07/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 280XX	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92130	Web

07/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 92111	Web

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90008	Web

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38088	Phone

07/05/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	TX 75126	Web

07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77384	Web

06/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36867	Web

06/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36867	Web

06/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NC 28301	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92562	Web

06/10/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30106	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53704	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90034	Web

05/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77304	Web	Older American

05/28/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 23602	Web

05/27/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 31602	Web

05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 315XX	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60411	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91702	Web

05/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web

05/22/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75248	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90806	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90002	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90221	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21217	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93535	Web

05/17/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30045	Web

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75154	Web

05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33073	Web

05/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 50401	Phone

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55044	Web

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78041	Web

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28301	Web

05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93662	Web

04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 70538	Web

04/27/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 92150	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19711	Web

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92066	Web

04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33441	Web

04/24/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	KY 40206	Web

04/20/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33301	Web

04/20/2022	Yes	Vehicle loan or lease Title loan	Incorrect information on your report Old information reappears or never goes away	TX 78626	Phone

04/19/2022	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	NC 28301	Web

04/14/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77077	Web

04/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NH 03087	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19977	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93304	Web

04/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92053	Web

04/04/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30260	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20774	Web

03/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	LA 70805	Referral

03/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 92078	Phone	Older American

03/25/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33578	Web

03/17/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 93550	Web

03/15/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 33604	Web

03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77493	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60538	Phone

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20871	Web

03/10/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	AL 35773	Web

03/09/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 19406	Web

03/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30042	Web

03/04/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33068	Web

03/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 19150	Web

03/03/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 28273	Web	Servicemember

02/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30324	Web

02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21213	Web

02/26/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

02/25/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NJ 08081	Web

02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90056	Web

02/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32233	Web	Older American, Servicemember

02/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06515	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37167	Web

01/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MA 02301	Phone

01/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MA 02301	Phone

01/25/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30815	Web

01/21/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30127	Web

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60657	Web

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77541	Phone

01/10/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN 37167	Web

01/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 15108	Web

01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19406	Web

12/31/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44128	Web

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	DC 20018	Phone

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30082	Web

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77040	Web

12/25/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 92324	Web

12/23/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77027	Web

12/22/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30052	Web

12/21/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20747	Web

12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33428	Web

12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 99320	Web

12/10/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77027	Web

12/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38930	Web

12/03/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 70544	Referral

11/30/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MN 55128	Web

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35806	Web

11/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31021	Web

11/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94531	Web

11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45011	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19050	Web

11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19146	Web

11/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90804	Web

11/06/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30281	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33319	Web

10/31/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 93307	Web

10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28204	Web

10/25/2021	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	GA 30341	Web

10/25/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	CA 92503	Referral

10/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77047	Web	Servicemember

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10306	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90804	Web

10/20/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30052	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33019	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62220	Web

10/10/2021	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	GA 30341	Web

10/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	KY 42701	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30106	Web

10/02/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	KY 42701	Web

10/01/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web

09/28/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 44108	Web

09/27/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 63123	Web

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15235	Web

09/22/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33511	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77388	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32811	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28204	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38484	Web

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78244	Web

09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90503	Web

09/01/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	FL 33023	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89106	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30349	Web

08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30329	Web

08/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21206	Web

08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 41143	Web

08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77388	Web

08/12/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IN 46055	Web

08/04/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	LA 70360	Web

08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60085	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60565	Web

07/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77047	Web

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35205	Web

07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77489	Web

07/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91510	Referral

07/06/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	WI 53218	Web

07/06/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TX 77033	Phone

06/28/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	LA 70122	Referral

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06511	Web

06/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77449	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90503	Web

06/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 70122	Web

06/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91510	Web

06/16/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 91510	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32837	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27410	Web

06/14/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 27546	Web	Servicemember

06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33584	Web	Servicemember

06/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95758	Referral

06/07/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19143	Web

06/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 77079	Web

06/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33144	Web

05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web

05/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29466	Web

05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30106	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77070	Web

05/26/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33035	Web	Servicemember

05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 93722	Web

05/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	FL 33023	Referral

05/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28230	Web

05/17/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TN 38134	Phone	Older American

05/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	GA 30016	Phone

05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90802	Web

05/05/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30909	Web

04/20/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91510	Web

04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75241	Web

04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web

04/12/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 28306	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33619	Web

04/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30248	Web

04/07/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33023	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27560	Web

04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90046	Web

04/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 21113	Web

04/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29681	Web

03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30132	Web

03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web

03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web

03/22/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CT 06511	Web

03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19126	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77070	Web

03/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70360	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43613	Web

02/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94124	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44125	Web

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89141	Web

02/22/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33023	Web

02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60651	Web

02/16/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 92234	Fax

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78258	Web

02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92111	Web

02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30106	Web

02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90046	Web

02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91367	Web

01/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75243	Web

01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KS 67219	Web	Servicemember

01/27/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30097	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19135	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33309	Web

01/18/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OH 43004	Web

01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 90503	Web

01/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30024	Web

01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 67219	Web	Servicemember

01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95204	Web

01/09/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	LA 70360	Web

01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30106	Web

01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web

01/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60633	Web

12/20/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27701	Web

12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28278	Web

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30907	Web

12/07/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 32746	Web

12/04/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold		Phone

11/23/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30357	Web

11/20/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 27520	Fax

11/14/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 23608	Web

11/12/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NY 11520	Fax

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 382XX	Web	Servicemember

11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91942	Referral

10/31/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27707	Fax

10/30/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan		Fax

10/29/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31906	Web

10/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web

10/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web

10/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19061	Web

10/23/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 22191	Web

10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29403	Web

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78041	Web	Older American

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77373	Web

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Phone

10/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30311	Web

10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60646	Web

10/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93277	Web

10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 47124	Web

10/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 22211	Web

09/23/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33902	Web	Servicemember

09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33596	Web

09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90807	Web

09/03/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30179	Web

08/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 78644	Web

08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35226	Web

08/24/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31906	Web

08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60637	Web

08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web

08/13/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31906	Web

08/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web

08/04/2020	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	OH 43207	Phone

07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30180	Web

07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32216	Web	Servicemember

07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33025	Web

07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30044	Web

07/07/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	CA 90740	Referral

07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37415	Web

07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37415	Web

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web

06/24/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 27405	Web

06/11/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TN 38115	Web

06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92376	Web

06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85326	Web

06/03/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20747	Phone	Older American

05/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MS 39212	Postal mail

05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 62009	Web

04/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 20603	Referral

04/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92301	Web

04/02/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 76053	Web

03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web

03/13/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OK 74134	Phone

03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30034	Web

02/26/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 60426	Referral

02/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93215	Web

02/15/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30315	Web

02/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Fax

01/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77095	Web

01/15/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85326	Web

01/14/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85326	Web

01/14/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85326	Web

12/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30024	Phone

12/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	OH 44118	Web	Servicemember

12/06/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21236	Phone	Servicemember

11/14/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28214	Web

11/07/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30035	Web

10/31/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 77087	Web

10/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web

10/06/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60540	Web

09/23/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60633	Web

09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30019	Web

08/15/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 27405	Web

08/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23234	Web

07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75206	Web

07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08610	Web

07/01/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30321	Web

06/24/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 94102	Postal mail

06/21/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33991	Web

06/02/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33024	Web

05/31/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 35759	Web

05/20/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21229	Web

05/10/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	LA 70726	Phone

05/07/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30084	Web

05/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30252	Web

04/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30094	Web

04/23/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91203	Web

04/20/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77067	Web

04/17/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37027	Web

03/22/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21163	Web	Servicemember

03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NH 03053	Web	Servicemember

03/13/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 92663	Web

03/10/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	DE 19801	Web

03/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30094	Web

02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

02/27/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33137	Web

02/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33063	Web

02/16/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 27574	Web

02/13/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 92675	Web

02/08/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33081	Web

01/14/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77373	Web

12/31/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60633	Web

12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27127	Web	Servicemember

11/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27405	Fax

10/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95758	Web

10/09/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20601	Web

10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away		Phone

10/01/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 99133	Web

09/27/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect		Phone

09/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

09/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

09/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

09/11/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37938	Web

09/06/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30022	Postal mail

08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30253	Web	Servicemember

07/22/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 27405	Web

07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33309	Web

06/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60626	Web

06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91307	Web

06/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60173	Web

06/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30135	Web

06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32256	Web

05/28/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OR 97435	Web

05/14/2018	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77054	Web

05/09/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect		Phone

05/06/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80031	Web

04/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91403	Web

04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98661	Web

04/11/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	SC 29732	Web

04/02/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 27405	Web

03/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91342	Web

03/19/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 78621	Web

03/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27703	Web

03/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91205	Web

02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32504	Web

02/10/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KY 41031	Web

02/08/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OK 73099	Postal mail

02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94596	Web

01/28/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60532	Web

01/13/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89144	Web

01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77489	Web

01/12/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 76111	Web

11/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39739	Web

11/03/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 22202	Web

10/15/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 92301	Web

10/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TN 38106	Web

09/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33157	Web

09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30038	Web

09/18/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77346	Web

09/09/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28213	Web

08/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90230	Web

08/13/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 14624	Web

08/02/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 20904	Referral

07/31/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 92405	Web

07/28/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 90016	Web

07/21/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 91402	Postal mail

07/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 20171	Web

07/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30294	Web

05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02740	Web

05/31/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MO 63303	Web

05/10/2017	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80130	Web	Servicemember

04/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30039	Web

04/04/2017	Yes	Debt collection Auto	False statements or representation Indicated committed crime not paying	FL 33312	Web

04/04/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	FL 33312	Web

04/04/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33312	Web

03/21/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30311	Phone	Older American, Servicemember

02/13/2017	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	AZ 85226	Web

02/09/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CA 95631	Web

01/23/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27801	Referral

01/22/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 90036	Web

01/10/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	AZ 85226	Web

12/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90008	Web

12/23/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77021	Web

12/16/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90630	Web

12/15/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IA 50073	Web

12/08/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IN 46403	Web

11/21/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 31904	Web

11/21/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	LA 70426	Web

10/26/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23503	Web

09/21/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	TX 75052	Web

08/17/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95209	Phone	Older American, Servicemember

08/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85712	Postal mail

07/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77031	Referral	Servicemember

07/13/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30094	Web

06/22/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	AZ 85257	Web

06/06/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	TN 38122	Web

06/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30228	Web

03/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 65473	Web	Servicemember

03/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06477	Web

03/16/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30022	Postal mail

03/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VT 05903	Web

02/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 22602	Web

01/05/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NC 28203	Postal mail

12/29/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33334	Web

12/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30321	Phone

09/25/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30909	Referral

08/25/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	DC 20017	Web

07/29/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21222	Phone	Older American, Servicemember

03/25/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 75034	Web

03/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75050	Web

02/27/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27703	Web

02/23/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 90008	Phone	Older American

02/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21222	Phone

01/26/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	TX 75061	Web

01/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35045	Web

01/20/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60655	Web

01/20/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21222	Phone	Older American, Servicemember

01/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35235	Web

01/08/2015	Yes	Other financial service Credit repair	Fraud or scam	NC 28278	Postal mail

12/18/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77491	Postal mail

12/16/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 92301	Web

12/05/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	DC 20017	Web

12/01/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33064	Phone

10/19/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 92619	Web

10/13/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33015	Web

10/07/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30106	Web	Servicemember

10/06/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	SC 29212	Web

10/04/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92683	Web

10/01/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92335	Web

09/22/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32246	Web

09/19/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37130	Web

08/17/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	DC 20036	Web

07/29/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90250	Web

07/25/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 93705	Fax	Older American

07/23/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90404	Web

07/19/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 77523	Web

07/08/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 32963	Web

06/05/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IA 52233	Phone

05/12/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 07981	Fax

05/01/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 20602	Web

04/14/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AZ 85392	Web

03/24/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	TN 37206	Web

03/20/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92411	Web

02/14/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	SC 29063	Web

02/06/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75204	Web

01/29/2014	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	GA 30680	Web

01/21/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NC 28027	Phone

11/07/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80449	Web

09/26/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75287	Web	Older American

04/05/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22546	Web

03/25/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33311	Web