Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
Subject : Retaliatory and Inconsistent Reporting After XXXX Request Company : United Auto Credit Corp Account Type : Auto Loan ( Opened XX/XX/XXXX ) Bureaus Affected : XXXX XXXX XXXX I am filing this complaint due to inconsistent and retaliatory reporting practices by United Auto Credit Corp.

For nearly 6 years, this lender did not report late payments to the credit bureaus, even during periods of delinquency. Then, in XXXX and XX/XX/XXXX, they suddenly began reporting 30-day lates to XXXX only. 3 months prior to loan being paid in full.

I submitted a respectful goodwill removal request directly to the company, explaining that this sudden change in reporting harmed my credit unfairly. Instead of resolving the matter, the company has now retroactively added more than 10 late payments going back to XX/XX/XXXX to XXXX marks that were not previously reported at any time. 

Meanwhile : XXXX no longer shows the account at all ( the tradeline has disappeared ) XXXX shows the account as closed/Paid As Agreed, with no late marks reported for XXXXXXXX XXXX  now suddenly reflects XXXX late payments retroactively added after my goodwill request This behavior feels retaliatory, inconsistent, and misleading to consumers. It is also unfair for a lender to maintain a pattern of non-reporting for years, then change without notice, and subsequently backfill derogatory data only after a consumer raises concern. 

I am not disputing that late payments occurred. My complaint is about the sudden reversal of reporting practices, the inconsistent treatment across bureaus, and the appearance of retaliation after my direct goodwill request was denied. 

This action has caused disproportionate and avoidable damage to my credit profile, despite my good faith in continuing to pay the loan ( with only ~ {$500.00} remaining ). 

* Please be advised screenshots are from XX/XX/XXXX that shows new lates that werent on the report prior. 

* * Additional screenshots are from XX/XX/XXXX when I first received notice of the predatory reporting differences across bureaus * * Please find original letter sent to company on XX/XX/XXXX. 
Subject : Final Request for XXXX  Removal Account Ending in XXXX Dear United Auto Credit, Im writing to respectfully request a final reconsideration for a goodwill adjustment on my auto loan account ending in XXXX. 

In XXXX and XX/XX/XXXX, two 30-day late payments were reported to XXXX XXXX with no additional updates since XX/XX/XXXX, we are now in XXXX ). However : XXXX shows the account as closed XX/XX/XXXX with no negative reporting for XXXXXXXX XXXX  has not been updated since XX/XX/XXXX, also shows no negative reporting For over five years, your company consistently reported no delinquencies to any bureau even during prior payment delays This change in reporting behavior came without warning and resulted in a significant and damaging drop in my credit score. 

If I had known early in the loan that delinquencies would be reported, I would have changed my payment behavior immediately. Instead, the consistent non-reporting shaped my expectations and influenced how I prioritized this account. I never intended to be delinquent I simply believed reporting wasnt a consequence based on our 6-year history and have stayed committed to seeing this loan through in its entirety.

I currently have less than {$750.00} remaining and have remained committed to resolving the account in full. These two late marks are the only negative items on my credit report in over 3.5 years. I am asking not for deletion of accurate data but for a goodwill-based removal and paid as agreed reporting for the remainder of the account in light of : Longstanding non-reporting precedent Inconsistent bureau updates and compliance My commitment to repayment and financial responsibility Please let me know if this request can be honored. 

I am respectfully submitting this request in good faith prior to taking formal steps through the Consumer Financial Protection Bureau. Thank you so much for your consideration.

Company response to consumer: Closed with explanation