Product: Credit reporting or other personal consumer reports

I am formally addressing the serious legal violations by XXXX XXXX XXXX in handling my Guaranteed Auto Protection ( XXXX XXXX XXXX cancellation and XXXX XXXX XXXX cancellation as well as your fraudulent misrepresentation of credit reporting and finance charges. Your companys actions, including falsely reporting cancellation dates, failing to process valid cancellations in a timely manner, improper credit reporting, and non-compliance with federal laws, violate the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and state consumer protection laws. 

I demand an immediate correction of all errors, full reimbursement of misapplied funds with interest, and written confirmation that my credit report has been updated accordingly. 
Background & Timeline of Cancellations 1.XXXX XXXX  XXXX XXXX XX/XX/XXXX I submitted my cancellation request for the XXXX XXXX XXXX XXXX XX/XX/XXXX and have documented proof confirming my cancellation. 
Despite this, XXXX XXXX XXXX failed to process my cancellation promptly and continued charging me for the warranty, falsely inflating my loan balance in violation of TILA 15 U.S.C. 1605. 
2XXXX XXXX Cancellation XX/XX/XXXX I also submitted a cancellation request for the GAP insurance in XX/XX/XXXX, with documented proof ( emails, confirmations, etc. ). 
Your company falsely claims the XXXX was not canceled until XX/XX/XXXX, which is categorically false and contradicted by my records. 
The prolonged failure to process this cancellation caused additional finance charges and inflated my loan balance unlawfully. 
Your failure to process these cancellations for over two years ( in the case of XXXX ) and over 20 months ( for the warranty ) constitutes financial misconduct and regulatory violations that have harmed me significantly. 
Truth in Lending Act ( TILA ) Violations Unlawful Finance Charges & Non-Disclosure Your mishandling of the XXXX  and warranty cancellations violates TILAs core requirements, including : Failure to Disclose & Adjust the Amount Financed : Under TILA, 15 U.S.C. 1605, creditors must properly disclose and credit all finance charges. 
By failing to remove the XXXX and warranty fees immediately upon cancellation, you misrepresented the total finance charge and unlawfully overstated my loan balance. 
This violation resulted in increased interest accrual on amounts that should have been refunded. 
Failure to Clearly Disclose Fees & Charges : Regulation Z ( 12 C.F.R. Part 1026 ) requires lenders to clearly and conspicuously disclose all finance-related charges.

Your company failed to explain the nature of fees, how they were calculated, or why they were not refunded after my cancellation requests.

Unlawful Withholding of Refunds : Under TILA, lenders must process finance charge adjustments in a timely manner. 
Your company knowingly delayed the refund of my XXXX and warranty amounts, retaining those funds for years while continuing to apply interest on the original financed amount. 

This blatant disregard for TILA and consumer rights has caused me direct financial harm, including overpayment, inflated finance charges, and additional interest accrual. 
Fair Credit Reporting Act ( FCRA ) Violations False & Fraudulent Reporting In addition to your TILA violations, your company is also in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), which mandates : 1.Accurate Credit Reporting Lenders must report correct balances and loan statuses. 
By continuing to report a derogatory balance and voluntary surrender, despite the account being inflated due to your own misconduct, you have willfully violated this requirement.

2.Timely Investigation & Corrections Lenders must promptly investigate and correct errors when a consumer disputes inaccurate information.

Despite multiple disputes and supporting documentation, you failed to correct the balance or remove incorrect credit entries.

3.Unfair Damage to Consumer Credit Score Your willful misreporting caused harm to my creditworthiness, resulting in : Lower credit scores, restricting my access to credit.

Increased borrowing costs, affecting my financial stability.

Your reckless and fraudulent credit reporting practices have severely impacted my ability to secure loans, rental applications, and other financial matters, all due to errors caused by your company.

Negligence, Bad Faith, & Consumer Protection Violations Your failure to process valid cancellations in a timely manner, along with your misrepresentation of financial obligations and willful misreporting of credit information, demonstrates gross negligence and bad faith conduct.

Financial Harm & Emotional Distress : The stress caused by incorrect balances, false repossession claims, and inflated charges has led to significant financial hardship.

I was forced to pay unnecessary interest and fees, all of which should have been avoided had you complied with the law.

Pattern of Deceptive Business Practices : Your conduct mirrors prior lawsuits filed against XXXX XXXX XXXX, including actions taken by the CFPB and New York Attorney General for fraudulent lending practices.