Consumer complaint received 2019-01-24
Company: United PanAm Financial Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account for XXXX XXXX XXXX on my account. On XX/XX/XXXX I contacted them at XXXX to request they send me all documentation in regards to the loan so I could take them to court to try and get this item removed from my credit report. They told me unless I had a police report number they were under no obligation to send me the documents and they would need a list a specific documents to send ... that m, e requesting the entire file without an attorney was to general and they were under no obligation to do so. I asked was the line being recorded and the gentleman and he them accused me of recording the conversation and I said NO you record this conversation. EVERY CONVERSATION IVE EVER HAD WITH THEM HAS BEEN RECORDED, and time and time again I have told them I was NOT the individual who took out the loan. because THEY insisted I get a police report in order to obtain the original loan agreement ... I did. It is XXXX and was filed in XXXX XXXX, MI XXXX  County. I then called XXXX and they informed me they are already removing it from my report and I am praying that the other 3 agencies follow suit. 

XXXX XXXX XXXX : You have been out of communication for an extended period. We have tried to call you on numerous occasions. Please contact XXXX XXXX XXXX today before XXXX XXXX Central Time. Assistance may be available to remedy you situation. Contact me directly at XXXX XXXX ext XXXX Thank You , XXXX XXXX | Deficiency Representative | XXXX XXXX XXXX XXXX ( Phone : XXXX XXXX ext XXXX| XXXX Fax : XXXX *Email : XXXX cid : XXXX The information in this email is confidential and may be legally privileged. It is intended solely for the addressee. Access to this email by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted to be taken in reliance on it, is prohibited and may be unlawful. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. 

XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX to XXXX I've told you and your representatives several times I am not the individual who purchased this car. My information was stolen by XXXX XXXX XXXX XXXX XXXX with the help of his friend XXXX who has worked at several dealerships in XXXX XXXX, MI. Never once did I step into that dealership amd pirchase a vehicle from them. The photos of my license are clearly that and not copies and the signature and the contract is not mine either. When the car was recovered it was in his possession as it had always been. I will not agree to pay anything due on this vehicle because I am not the individual who signed the purchase agreement on the car. 

Sincerely, XXXX XXXX This was my last communication with them in XX/XX/XXXX. I was told on that same recorded line they were going to take me to court and I asked them to so we could resolve the matter back when it began.

Company response to consumer: Closed with non-monetary relief