Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Your institution is currently furnishing a repossession on my consumer credit file that I DO NOT agree with as it contains errors making it inaccurate and inconsistent across bureaus. It also appears to be incomplete so I am requesting the following information under UCC-9 guidelines : 1. A copy of the original contract bearing my wet signature or electronic proof of signature.

2. Copies of all legal notices before and after repossession.

3. Proof vehicle was sold at reasonable commercial market value.

4. A bill of sale that shows the amount the vehicle was resold for.

5. Proof the vehicle was repossessed was done without a breach in peace. UCC 9-609. 



You are also required to sending me proof of the following per UCC-9 Articles : -9-506. EFFECTS OF ERROR OR OMISSIONS. ( NOT RECEIVED ) 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ( NOT RECEIVED ) 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ( NOT RECEIVED ) 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL ( NOT RECEIVED ). 

9-616. EXPLANATION OF CALCULATION OF SURPLUS AND DEFICIENCY. ( NOT RECEIVED ) 9-619. TRANSFER OF RECORD OR LEGAL TITLE. ( NOT RECEIVED ) 9-620 ACCEPTANCE OF COLLATERAL IN FULL OR PARTIAL SATISFACTION OF OBLIGATION ; COMPULSORY DISPOSITION OF COLLATERAL ( NOT RECEIVED ) 9-621. NOTIFICATION OF PROPOSAL TO ACCEPT COLLATERAL. ( NOT RECEIVED ) 9-623. RIGHT TO REDEEM COLLATERAL. ( NOT RECEIVED ) 9-625. REMEDIES FOR SECURED PARTY 'S FAILURE TO COMPLY WITH ARTICLE. ( NOT RECEIVED ) 9-626. ACTION IN WHICH DEFICIENCY OR SURPLUS IS IN ISSUE. ( NOT RECEIVED ) 9-627. DETERMINATION OF WHETHER CONDUCT WAS COMMERCIALLY REASONABLE. ( NOT RECEIVED ) 9-628. NONLIABILITY AND LIMITATION ON LIABILITY OF SECURED PARTY ; LIABILITY OF SECONDARY OBLIGOR. ( NOT RECEIVED ) You are required to provide me with all the information requested above. If you fail to provide me with any of the requested information within 15 days from receipt of this certified mail request. Failure to provide this information for this alleged claim of deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim will be considered violations to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Uniform Commercial Code. I also reserve the right to seek damages in a venue in my jurisdiction against all parties under federal and state statutes. 

Please stop all collection activities including inaccurate credit reporting of this alleged debt and permanently remove it from my credit reports. 

If it has been more than four years since I made a payment please send me a debt waiver and 1099-C or I will be forced to report you to the IRS. 



Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation