Consumer complaint received 2023-09-13
Company: United PanAm Financial Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
my FCRA rights is continuously being violated by UACC who never showed me proof of the date of my XXXX  delinquency I requested in a previous dispute and failure to show proof of date of XXXX  delinquency the account must be removed by law. Also UACC is reporting an updated charge-off on my account. If the XXXX  charge off was posted on my consumer report in XXXX why is this charge-off being furnished to my consumer report every month all the way up until XXXXUACC also is reporting an updated balance of {$8800.00} which was posted on my consumer report XXXX XXXX. If the account was charged off in XX/XX/XXXX how is it possible to report a charge-off which is in definition by the IRS as cancelled-debt UACC decided to continue to report a charge-off on my consumer report every month including an updated balance. UACC is reporting inaccurate information to my consumer report and falsely manipulating the statue of limitation by continuing to report an updated balance. consumer reporting agencies are bound by all FCRA laws and my consumer report has to be 100 % accurate at all times, any inaccurate information reporting to the consumer report has to be removed by law. violation of 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

Do not update this information I am requesting that this account be deleted which is a direct violation of the FCRA consumer rights.

Company response to consumer: Closed with explanation