|
11326900
|
2024-12-30
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2024-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-30
|
|
|
4477202
|
2021-06-21
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-21
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
10513582
|
2024-10-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10665895
|
2024-11-03
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-03
|
| Complaint What Happened |
Ive disputed this multiple times, with credit bureaus. The balances on XXXX and XXXX are different. Also, the charge off amount fluctuates monthly to different amounts which makes my XXXX XXXX lower each month this happens. XXXX XXXX XXXX restricts adding to the balance of the charge off account which is grounds to sue CarMax Auto Finance for violating state laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10059886
|
2024-09-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9927397
|
2024-08-26
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem related to refinancing
|
| Sub Product |
Loan
|
| Date Received |
2024-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-30
|
| Complaint What Happened |
I am currently XXXX XXXX XXXX to the XXXX XXXX and I am trying to figure out how I can change my interest down to 6 % I heard this is possible before but I keep seeing this but no one ever showed me how.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10000216
|
2024-09-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7475567
|
2023-08-30
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2023-08-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-30
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
8288039
|
2024-02-05
|
Problem with fraud alerts or security freezes
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with fraud alerts or security freezes
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-05
|
| Complaint What Happened |
Accounts and loans opened with out my consent
|
| Consumer Consent Provided |
Consent provided
|
|
|
8000904
|
2023-12-14
|
Problem when making payments
|
Credit card
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Problem during payment process
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7465150
|
2023-08-26
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6895269
|
2023-04-26
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4061887
|
2021-01-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-12
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
6992069
|
2023-05-17
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-15
|
| Consumer Consent Provided |
Other
|
|
|
8661176
|
2024-03-30
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with signing the paperwork
|
| Sub Product |
Loan
|
| Date Received |
2024-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6563346
|
2023-02-12
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-02-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4586939
|
2021-07-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Auto debt
|
| Date Received |
2021-07-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-30
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6654071
|
2023-03-06
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-06
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
5557972
|
2022-05-13
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-13
|
| Complaint What Happened |
The following late payments are billing errors pursuant to 15 USC 1666b
|
| Consumer Consent Provided |
Consent provided
|
|
|
6425268
|
2023-01-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Auto debt
|
| Date Received |
2023-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4830786
|
2021-10-21
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2811013
|
2018-02-10
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-02-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-10
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6531760
|
2023-02-02
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with additional products or services purchased with the loan
|
| Sub Product |
Loan
|
| Date Received |
2023-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2628067
|
2017-08-13
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2017-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6219312
|
2022-11-19
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-19
|
| Complaint What Happened |
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
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| Consumer Consent Provided |
Consent provided
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6190473
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2022-11-11
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
CarMax, Inc.
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| Product |
Debt collection
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| Sub Issue |
Debt was result of identity theft
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| Sub Product |
Auto debt
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| Date Received |
2022-11-11
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-11-11
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| Consumer Consent Provided |
Consent not provided
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5748400
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2022-07-08
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Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
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| Company |
CarMax, Inc.
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| Product |
Debt collection
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| Sub Issue |
Debt was paid
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| Sub Product |
Auto debt
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| Date Received |
2022-07-08
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-07-08
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| Complaint What Happened |
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.
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| Consumer Consent Provided |
Consent provided
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3950140
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2020-11-12
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Incorrect information on your report
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Vehicle loan or lease
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
CarMax, Inc.
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| Product |
Vehicle loan or lease
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| Sub Issue |
Account information incorrect
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| Sub Product |
Loan
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| Date Received |
2020-11-12
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| Submitted Via |
Fax
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2020-11-23
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| Consumer Consent Provided |
N/A
|
|
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11874050
|
2025-01-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CarMax, Inc.
|
| Product |
Debt collection
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| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
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| Date Received |
2025-01-31
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2025-01-31
|
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12487508
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2025-03-14
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Incorrect information on your report
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Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
CarMax, Inc.
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2025-03-14
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-14
|
|
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12373864
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2025-03-07
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Improper use of your report
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Credit reporting or other personal consumer reports
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|
| Issue |
Improper use of your report
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| Timely |
Yes
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| Company |
CarMax, Inc.
|
| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2025-03-07
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2025-03-07
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