Consumer complaint received 2022-06-21
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is the second complaint I have filed for this same issue. 
CFPB claim # is XXXX. 

The day after I bought the car a XXXX XXXX, it stopped dead in the road twice and I had to have it towed to a mechanic, I could only use the mechanics that they told me to or I would be voiding my warranty. I took it there and also found out that my catalytic converter was about to go, I was unable to use my car for a month. Because I had to pay to have it fixed and made limited money at the time I was late on a payment. Apparently, it is Car Hops policy to install a special device before I buy it that enables them to remotely disable my car. They would disable my car the day after I was late on my car without notice. 
This among other things was why I reported them to the CFPB for poor business practices and harassments. Please see the attached email that I sent to UAC when they did not follow through with their promises to cut my balance in half. 
Hello, I am a bit confused. When last we spoke and I agreed to an arrangement that was recommended by the complaint I filed with the CFPB and we agreed my balance was to be brought down to {$2100.00}., and that my payments were going to be around XXXX. However the UAC website still showed the same balance and that my payment on XX/XX/XXXX will still be XXXX. I received a letter today that states the same thing. 
I also reported them to the FTC. Under the impression that I only had only this amount to pay to pay off the loan I continued to pay My monthly payment of {$170.00} on time. 

In XXXX of XXXX I was forced to move to XXXX. Because the car was so unreliable I decided to have it transported. At this point I thought I only owed a remainder of {$750.00}. 
The car transport company refused to deliver my car ( it was supposed to be delivered on a Friday ... when I would be receiving my last pay check ) but they 'claimed ' they tried to deliver it on a Tuesday and demanded payment. *this was all by phone '' they never brought the car to my home in XXXX . I investigated with XXXXXXXX XXXX and discovered my car parked outside of some ones house in XXXX in a VERY nice neighborhood. It hadn't even been impounded. I called Car Hop and told them about the theft and told them if they could go to the location and get my car I will pay the balance I owe as well as any fees. The manager, a man named XXXX said " NO WE DON'T DO THAT '', I tried to negotiate something to pay this off and get my car back but they refused. I ended up taking the bus in my new home for 1 and a half years, It wasn't until XXXX that I pulled my credit report and noticed that the negotiated amount was never reported and it is still showing that I owe {$2900.00} which is NOT true. If I owe anything it is only {$750.00} which they refused. 
It has been over 5 years since I last submitted a claim for this company and they are still harrassing me by keeping this erroneous information on my credit report. 
I am needing this matter resolved immediately and it removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation