Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CIG FINANCIAL LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding AutoNation Finance and CIG Financial LLC for what appears to be an improperly originated and/or fraudulently attributed auto finance account tied to my XXXX XXXX XXXX XXXX XXXX ( XXXX ending XXXX ). The transaction began on or about XX/XX/year>, at the dealership as a cash purchase posture with substantial funds tendered as a down payment ( cash receipt in the amount of {$85000.00} ) & another ( cash receipt in the amount of {$100000.00} ). I later received a formal adverse action/credit denial dated XX/XX/year>, reflecting that I was denied financing for the XX/XX/year>, transaction. Despite that denial, I subsequently discovered that a retail installment contract/loan account was nonetheless generated and treated as valid, including credit reporting and collection/enforcement activity on XX/XX/year>. When I received this contract, everything was different, right down to the creditor, my signature, the salesperson 's information, etc. It went from a purchase date of XX/XX/year> to XX/XX/year>, and upon an in-depth investigation, I was able to pinpoint the IP address that executed that contract to a computer within CIG FINANCIAL LLC GROUP located in XXXX, California, in which I, XXXX XXXXl, was not present for and had no knowledge of. With that being said, I purchased XXXX vehicle but received XXXX separate purchase agreements with XXXX separate sales price amounts. 

I dispute that I knowingly authorized or consummated any retail installment contract after the financing denial, and I dispute the authenticity/attribution of the alleged contract terms and signatures. The documents reflect material inconsistencies in the alleged contracts creation/execution chain, including indications that a contract dated XX/XX/year>, was created in the system on or about XX/XX/year>, at approximately XXXX PM, which is inconsistent with the purported execution date and raises serious concerns about post-dating, alteration, or fabrication. I have repeatedly requested the complete e-signature audit trail and attribution data ( including IP logs, authentication events, timestamps, signer identity verification, and consent capture ) and the deal jacket/complete origination file, but I have not been provided a complete, verifiable audit package sufficient to establish consent, attribution, and legally enforceable electronic signature under applicable standards. 

As a result of this disputed account, I have suffered ongoing harm, including credit reporting impacts. AFTER SEVERAL DISPUTED CLAIMS TO ALL PARTIES ON XX/XX/XXXX AT XXXXXXXX XXXX  XXXX A XXXX TRUCK FROM XXXX INVESTIGATIONS BROKE INTO my parking structure and was attempting to reposess my truck that I use for work saving lives as I am a first responder. The repo operator refused to provide me with any information and or details. I further understand that the tradeline was deleted/removed after investigation by consumer reporting agencies, which supports my position that the account was not verifiable or was inaccurately furnished. I am requesting CFPB assistance to compel a compliant investigation, documentation production, correction of any consumer reporting, and cessation of any collection/enforcement activity while the account validity is in dispute. AND TO HOLD THEM ACCOUNTABLE FOR THE LEVEL OF STRESS THEY HAVE CAUSE LACK OF SLEEP AND THE CAUSATION OF XXXX PSYCHOGENIC XXXX DUE TO STRESS. HOW MANY OTHERS ARE THEY DOING THIS TO AND GETTING AWAY WITH? 

This complaint concerns ( 1 ) disputed contract formation/consent, ( 2 ) potential unfair/deceptive origination and servicing practices, ( 3 ) inaccurate furnishing and failure to reasonably investigate disputes, and ( 4 ) wrongful repossession threats or enforcement activity absent a valid, provable, perfected security interest tied to a legitimately consummated contract.

Company response to consumer: Closed with explanation