Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX XXXX XXXX XXXX ( COAF ) for Bad Faith, Unfair Credit Reporting, Retaliatory Behavior, and Failure to Resolve Dispute in Good Faith Details of the Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for engaging in bad faith practices, unfair credit reporting, retaliatory behavior, and failure to act in good faith during an ongoing dispute concerning my auto loan. Despite overwhelming evidence of dealership misconduct, XXXX  has refused to fairly resolve the issue and has even retaliated against me by reporting a late payment to damage my credit standing, despite previously stating that my credit would not be impacted due to the ongoing investigation. 

Background of the Dispute : 1. Defective Vehicle and Dealership Malpractice : I purchased a vehicle that was later discovered to have severe mechanical issues that made it undrivable. 
The dealership, XXXX XXXX, misrepresented the condition of the vehicle at the time of sale. 
Shortly after the purchase, I filed disputes with XXXX, the XXXX XXXX XXXX XXXX, and other regulatory agencies regarding the fraudulent sale. 

2. XXXX  Assignment of an Investigator Proves the Severity of the Issue : Due to the seriousness of my complaint and the evidence provided, XXXX assigned an investigator to my case. 
This confirms that the dealerships actions were severe enough to warrant a formal investigation by state authorities. 
Despite this, XXXX has failed to take proactive measures to protect me as a consumer and instead continues to enforce a contract based on a fraudulent sale. 

3. Dealerships Acknowledgment of Issues and XXXX Retaliatory Actions : Recently, through my OCCC complaint, the dealership acknowledged responsibility and agreed to reimburse my towing expenses. 
This is a direct admission that the vehicle had pre-existing mechanical issues, further supporting my claim that the dealership engaged in deceptive practices. 
However, instead of taking meaningful steps toward a resolution, XXXX  retaliated by reporting a late payment to damage my credit, despite previously assuring me that my credit would not be affected due to the ongoing dispute and their discussions with the dealership. 

XXXX XXXX XXXX XXXX of the Dispute and Retaliatory Behavior : 4. Failure to Act in Good Faith Since XX/XX/XXXX : Since XX/XX/XXXX, I have been in ongoing discussions with XXXX regarding a fair resolution. 
Despite multiple conversations, XXXX has not taken any concrete action to mediate the dispute with the dealership or protect my rights as a consumer. 

5. Contradictory Statements and Retaliatory Credit Reporting On XX/XX/XXXX, XXXX XXXX stated that they were in contact with the dealership to pay off the car and cancel the agreement. 
However, despite these assurances, XXXX still reported a late payment on my credit reporta clear act of retaliation and a direct contradiction to their prior statements that my credit would not be impacted. 

6. Lack of Transparency and Potential Consumer Protection Violations COAF, as a lending company, has an obligation to act in good faith and protect consumers from fraudulent vehicle sales. 
Instead, XXXX has taken actions that favor the dealership while unjustly punishing me by reporting negative information on my credit report. 
This constitutes unfair lending practices, retaliatory behavior, and a potential violation of consumer protection laws. 

COAFs handling of this matter has been marked by contradictions, delays, and retaliation against me as a consumer. Given the dealerships own acknowledgment of the vehicles defects and the ongoing TXDMV investigation, I urge CFPB to take immediate action to hold COAF accountable and ensure a fair resolution to this dispute. 

I appreciate your prompt attention to this matter and look forward to a resolution that protects my consumer rights.