TRANSACTION FRAUD & SYSTEM BYPASS:The vehicle was purchased from an authorized franchise dealer in January 2026. Following an investigation, it was discovered that the dealership's finance desk executed a "split-paperwork" scheme to override an automated delivery compliance hold. The dealership utilized my actual 2.0L Badlands VIN on banking documents, but electronically transmitted a completely different, lower-trim 1.5L engine VIN to my insurer (USAA) to issue a clean delivery binder. This intentional data manipulation was used to knowingly bypass active safety recall alerts.SUMMARY OF INCIDENT:In March 2026, while traveling on [XXX], the front suspension suffered an unexplained, catastrophic failure, resulting in an immediate, total loss of steering control. The vehicle veered off the roadway and impacted a concrete barrier at high velocity. The mechanics of this failure exactly mirror the structural anomalies detailed in federal NHTSA Recall 26V340000 (Ford Recall 26S36) regarding lower control arm ball joint separation.CRITICAL RESTRAINT SYSTEM FAILURE:During the high-velocity impact, the primary occupant safety restraint systems completely failed to perform. The driver’s side seatbelt failed to lock, and zero front or side airbags deployed. This total safety mechanism failure directly resulted in a severe Traumatic Brain Injury (TBI) and permanent new-onset seizures, confirmed via clinical EEG by the Veterans Affairs (VA) hospital and currently managed via Keppra 3x/day