Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting AutoNation Finance To Whom It May Concern, This letter constitutes a formal dispute under the Fair Credit Reporting Act (

FCRA ), 15 U.S.C. 1681 et seq. I am disputing the accuracy, completeness, and legal reportability of the AutoNation Finance tradeline currently appearing on my consumer credit file.

After reviewing my credit disclosure, I have identified multiple material inaccuracies and regulatory violations that render this account legally unreportable in its current form.

# # # 1. Inaccurate and Contradictory Balance Reporting The reported balance of {$16000.00} exceeds the stated high credit on at least one bureau and materially conflicts across bureaus. A charged-off auto loan can not lawfully increase beyond the original amount financed without itemized contractual justification. This violates : FCRA 1681e ( b ) Maximum Possible Accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on Furnishing Inaccurate Information No doc
umentation has been provided proving lawful post-charge-off balance growth.

-- - # # # 2. Inconsistent Core Tradeline Data Across Bureaus The same account is being furnished with different high-credit amounts and contradictory data fields between consumer reporting agencies. This is not a minor formatting issue ; it is a substantive data integrity failure that proves the furnisher can not verify the accuracy of this tradeline as required under : FCRA 1681e ( b ) FCRA 1681i ( a ) ( 1 ) ( A ) Reasonable Reinvestigation Standard Any data that can not be consistently verified across all repositories is legally unreliable and must be deleted.

-- - # # # 3. Illegal Re-Aging and Improper Ongoing Reporting This account is listed as charged off / collection, yet it continues to be updated in 2025 despite no new consumer activity. If no payments or contractual modifications have occurred, this constitutes illegal re-aging, in violation of : FCRA 1681s-2 ( a ) ( 2 ) 12 C.F.R. 1022 ( Regulation V ) CFPB XXXX XXXX Reporting Guidelines Re-aging artificially suppresses creditworthiness and is a serious regulatory breach.

-- - # # # 4. Misrepresentation of Payment Obligations The account simultaneously reports : A live balance of {$16000.00} A monthly payment of {$0.00} A charged-off/collection status This configuration is inherently misleading and materially deceptive to lenders, in violation of : FCRA 1681e ( b ) FCRA 1681s-2 ( a ) ( 1 ) ( B ) You are furnishing internally contradictory data that misrepresents my legal liability.

-- - # # FORMAL DEMAND Pursuant to 15 U.S.C. 1681i, I hereby demand that you : 1. Conduct a lawful reinvestigation 2. Require AutoNation Finance to produce : The original retail installment contract A complete itemized payment history A charge-off accounting ledger Proof of lawful balance increases Proof of XXXX XXXX compliance XXXX. DELETE this tradeline in full if the furnisher fails to validate every disputed field with documentary evidence You are hereby placed on notice that verification via automated e-OSCAR codes or generic data matching is legally insufficient and does not meet the FCRAs reinvestigation standard ( see Cushman v. Trans Union Corp., 115 F.3d 220 ).

-- - # # PRESERVATION OF RIGHTS If this account is not deleted in full within the statutory period, I will proceed with : A formal CFPB complaint State Attorney General notification Civil litigation for willful noncompliance Claims for statutory, actual, and punitive damages under 15 U.S.C. 1681n & 1681o This letter serves as formal documentation of notice of inaccuracies and legal violations.

Company response to consumer: Closed with explanation