Product: Credit reporting or other personal consumer reports

Company Complained About : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Vehicle : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of the Complaint I am filing this complaint against XXXX XXXX XXXX for the following violations : 1. Attempted Repossession of a Vehicle in XXXX  Possession for Over a Year XXXX XXXX XXXX has sent multiple past-due notices and has threatened repossession for non-payment of a vehicle that has been in Key XXXX XXXX XXXX possession for over a year. 
I have not had access to my vehicle, yet XXXX XXXX continues to bill me and attempt to seize it illegally. They have had it for over XXXX and counting. XX/XX/XXXX - to current date it has been a XXXX XXXX XXXX XXXX Ct XXXX. Unlawful Collection Practices on a Disputed Account ( Fair Debt Collection Practices Act - FDCPA ) XXXX XXXX XXXX is demanding payment despite my vehicle being in XXXX  possession and inoperable due to unresolved manufacturer defects and recalls. 
I have formally disputed this debt in writing and initiated arbitration requesting a full vehicle replacement, reimbursement, and financial compensation. 
XXXX has ignored my dispute, continued collections, and refused to freeze payments while arbitration is pending. 
3. Failure to Honor Warranty & Safety Recall Responsibilities My XXXX XXXX XXXX remains at XXXX XXXX of XXXX with unresolved recalls, per XXXX  own recall database. 
I continue to receive email alerts from XXXX confirming that open safety recalls have not been addressed, despite XXXX still holding the vehicle. 
XXXX  failure to remedy these issues constitutes breach of warranty and deceptive practices.

4. Unfair and Deceptive Practices ( Consumer Financial Protection Act - CFPA, 12 U.S.C. 5536 ) XXXX XXXX XXXX has engaged in unlawful and deceptive business practices by billing me for a vehicle I do not have, while failing to process my dispute properly. 
XXXX has refused to provide proper documentation regarding the continued charges and has not issued a payment freeze despite my formal dispute and arbitration request. 
5. Failure to Report an Account Dispute to Credit Bureaus ( Fair Credit Reporting Act - FCRA ) XXXX XXXX is threatening to report non-payment to credit bureaus despite my dispute and ongoing arbitration. 
Under FCRA laws, XXXX must report my account as disputed and stop negative reporting until arbitration is completed. 



Requested Resolution I am requesting the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX XXXX XXXX for : 1. Immediately stopping all collection activities and repossession attempts while my dispute is pending.

2. Freezing all payment obligations on this account until arbitration is resolved.

3. Ceasing all negative credit reporting and correcting any derogatory credit marks related to this dispute.

4. Reimbursing all payments, insurance costs, taxes and expenses incurred due to XXXX  failure to repair or return my vehicle. 
5. Providing a full account reconciliation of all charges, fees, and interest that XXXX has wrongfully assessed while my vehicle has been in their possession