Consumer complaint received 2023-06-04
Company: U.S. Auto Credit Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
US Auto Credit Subject : URGENT - Cease and Desist, Violation of FCRA, and Demand for Lawsuit Dear US Auto Credit, I am writing this letter to express my deep frustration and anger regarding the handling of my account by your company. The documentation provided as validation of the debt clearly indicates that the contract in question is between XXXX XXXX and XXXX XXXX XXXX, and not with US Auto Credit as you have erroneously reported. This is a gross misrepresentation of the facts and a clear violation of the Fair Credit Reporting Act ( FCRA ). 
Furthermore, it has come to my attention that this account is listed on my credit report as " Paid Off, '' which renders the alleged contract null and void. Your continued reporting of this account is not only erroneous but also constitutes a violation of the FCRA. I demand an immediate cessation of reporting on this account and a complete removal from my credit report. 
I remind you of your legal obligations under the FCRA, specifically the following sections : 1 FCRA Section 611 ( a ) ( 1 ) ( A ) : This section mandates that you conduct a reasonable investigation upon receipt of a dispute. The documentation you provided does not validate the debt or demonstrate that it can be validated as required by law.

2 FCRA Section 611 ( a ) ( 5 ) ( A ) : This section requires you to notify the consumer if the reported information can not be verified. Since the documentation you provided clearly shows a contract between XXXX XXXX and XXXX XXXX XXXX, and not with US Auto Credit, it is evident that the reported information can not be verified.

3 FCRA Section 605 ( a ) ( 4 ) : This section stipulates that obsolete information, including fully paid off accounts, should be removed from a consumer 's credit report. Given that this account is reported as " Paid Off, '' it falls under the category of obsolete information and must be promptly removed. 
I demand that you immediately cease and desist all reporting on this account and ensure its complete removal from my credit report within 10 business days from the receipt of this letter. Failure to comply with this demand will leave me with no choice but to pursue legal action to seek redress for the damages caused by your willful violations of the FCRA. 
Attached to this letter is clear and undeniable evidence, including the contract date, parties involved, and the amount in question, which unequivocally proves the erroneous reporting and misrepresentation of this debt. This evidence will be invaluable in any future legal proceedings. 
I strongly advise your company to reconsider its actions and rectify this matter immediately. I expect written confirmation of the cessation of reporting and removal of this account from my credit report. Failure to provide a satisfactory response within the specified timeframe will leave me no choice but to initiate legal proceedings against US Auto Credit, seeking compensatory damages for the harm caused by your willful violations of the law. 
I trust that you understand the severity of the situation and the potential consequences of your continued noncompliance. I strongly urge you to act promptly and responsibly to rectify this matter and avoid further legal action. 
This is your final opportunity to resolve this dispute amicably. I eagerly await your immediate response and the swift resolution of this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation