Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the way in which I was treated during the purchase of my vehicle from XXXX & XXXX XXXX, which was financed through XXXX XXXX XXXX XXXX XXXX. 

The vehicle that I purchased turned out to be a lemon, which has caused me a great deal of financial and emotional distress. Additionally, XXXX & XXXX XXXX and XXXX XXXX XXXX XXXX XXXX engaged in fraudulent activities during the loan process, which has had a negative impact on my credit history and overall financial wellbeing. 

XXXX XXXX XXXX XXXX XXXX violated several federal laws and regulations during the loan process and the sale of the vehicle, including but not limited to : Truth in Lending Act ( TILA ) : XXXX XXXX XXXX XXXX XXXX violated the TILA, specifically 12 CFR 1026.18 by providing misleading information during the loan process and failing to provide me with accurate information about the loan. 

Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( TransUnion, XXXX, and XXXX ) violated the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), by reporting inaccurate information on my credit reports, which has had a negative impact on my credit history. 

Equal Credit Opportunity Act ( ECOA ) : XXXX XXXX XXXX XXXX XXXX violated the ECOA, specifically 12 CFR 1002.6, by engaging in discriminatory lending practices during the loan process. 

Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX XXXX XXXX violated the FDCPA, specifically 15 U.S.C. 1692e, by engaging in deceptive practices during the loan process and by threatening me with the repossession of the co-signer 's car. 

XXXX XXXX XXXX XXXX XXXX also used the co-signer of the loan as a pawn in their fraudulent scheme. They threatened to take away her car illegally if she reported the situation to authorities or tried to pursue action against them. This coercive tactic further demonstrates their unethical behavior and their willingness to manipulate and intimidate individuals to protect their own interests. 

XXXX & XXXX XXXX violated New Jersey 's Lemon Law, specifically New Jersey Statute 56:12-29, by selling me a defective vehicle. The law requires dealerships to either replace or refund a vehicle that has significant defects or mechanical problems that can not be repaired after a reasonable number of attempts. By selling me a lemon vehicle, XXXX XXXX XXXX XXXX violated my consumer rights and breached their legal obligations. especially WHEN THE VEHICLE HAD NUMEROUS ISSUES FOR AN EXTENDED AMOUNT OF TIME In addition, XXXX XXXX XXXX XXXX violated New Jersey 's Consumer Fraud Act, specifically New Jersey Statute 56:8-2, by engaging in deceptive practices during the sale of the vehicle. The law prohibits businesses from engaging in any unconscionable commercial practice, deception, fraud, false pretense, false promise or misrepresentation. By selling me a defective vehicle and withholding information about its condition, XXXX & XXXX XXXX engaged in fraudulent and deceptive practices. 

It is my expectation that XXXX & XXXX XXXX and XXXX XXXX XXXX XXXX XXXX take immediate action to remedy this situation, which includes but is not limited to the removal of any negative information on my credit report, and compensation for the damages and losses I have suffered as a result of the lemon vehicle and the fraudulent loan process. 

I have also reported this matter to several regulatory agencies, including the National Credit Union Administration, the Federal Trade Commission, and THE OCC ( Office of the Comptroller of the Currency ) I expect that you take this matter seriously and take the necessary steps to rectify the situation. Thank you for your attention to this matter. 
XXXX XXXX