Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
What happened is that a company identified as UNITED AUTO is reporting a derogatory account on my credit report that I do NOT own. This account is being reported as a collection/charge-off with a past-due amount of {$4600.00}, even though I never opened, financed, leased, purchased, or co-signed for any vehicle with UNITED AUTO. I have never signed any contract with this company, never received services or financing from them, and never had any form of business relationship with them. Despite this, UNITED AUTO is reporting highly negative information that is damaging my credit profile. 

I first became aware of this derogatory account while reviewing my credit report. The account was shown as a closed derogatory account with a past-due balance of {$4600.00}, and marked as a collection or charge-off. The reporting indicates that significant late payments occurred and that the account eventually defaulted. This is completely false because I never opened an account with UNITED AUTO in the first place. 

I immediately disputed the account with all credit reporting agencies, clearly stating that I did not open this account, was not associated with UNITED AUTO, and did not owe the alleged {$4600.00} balance. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), the credit bureaus are required to conduct a reasonable reinvestigation of disputed information. However, instead of providing documentation or performing a thorough review, the credit bureaus simply responded that the account was verified, yet never provided any proof of how it was verified.

When I requested a Method of Verification ( MOV ) from the credit bureaus, which is required under FCRA 611 ( a ) ( 6 ), they failed to produce any of the following : The original signed vehicle financing agreement Vehicle purchase documents Identity verification records A copy of the retail installment contract Payment history records Account statements Application forms Proof that I signed for the alleged vehicle None of the legally required documents were provided. Instead, the bureaus appeared to rely solely on UNITED AUTOs automated e-Oscar response, which does not meet federal verification standards.

A lawful reinvestigation requires the furnisherUNITED AUTO in this caseto provide actual documentation proving the account belongs to me. That includes : Original signed loan application or contract Drivers license or ID used at account opening Vehicle information Purchase/finance agreement Payment and transaction history Collection notices mailed to me Contract terms Account detail statements Proof of repossession ( if applicable ) Bill of sale or deficiency balance documents UNITED AUTO provided none of these. The company did not produce any contract containing my signature, nor any verification of income documents, proof of insurance on a financed vehicle, or correspondence that would normally accompany an auto loan or auto finance account.

Because this is an auto-related debt, it would be impossible for an account to exist without the following : A signed retail installment contract A vehicle identification number ( VIN ) A lender-assigned loan number A transaction history A down-payment record Proof of registration or title transfer Insurance documentation Payment coupons or statements Disclosures and financing terms None of this exists, because I never purchased, leased, or financed any vehicle through UNITED AUTO.

The fact that this account is still appearing on my credit reporteven though no supporting documents existdemonstrates that the account is either : A case of identity theft A mixed file error A reporting error A clerical mistake A fraudulent account created without my consent Regardless of the cause, the reporting is inaccurate, unverified, and harmful.

The {$4600.00} derogatory balance is significantly harming my creditworthiness. This large negative balance is falsely decreasing my credit score and has the potential to affect : Loan approvals Auto financing rates Mortgage qualifications Rental applications Employment background checks Insurance risk assessments Credit card approvals Inaccurate, damaging reportingespecially involving an auto loanis extremely serious. Auto loans heavily impact credit scores due to their size and reporting structure. The presence of a {$4600.00} collection or charge-off creates the false impression that I defaulted on a major financial obligation, which is not true.

When I disputed the UNITED AUTO account, I requested verification from both the credit bureaus and the furnisher. The bureaus did not produce valid documentation. UNITED AUTO did not send : A copy of any contract Any proof that I financed a vehicle Any evidence of communication Any statements, letters, or billing Any repossession notices Any insurance or title documents Any supporting information whatsoever The failure to provide documentation suggests that UNITED AUTO has no evidence linking me to this alleged loan. Reporting unverifiable information violates multiple sections of the FCRA.

Specifically, UNITED AUTO violated : FCRA 623 ( a ) ( 1 ) : Furnishers may not report information they knowor should knowis inaccurate.

FCRA 623 ( a ) ( 3 ) : Furnishers must mark an account as disputed.

FCRA 623 ( b ) : Furnishers must conduct a reasonable investigation.

FCRA 607 ( b ) : Credit bureaus must ensure maximum possible accuracy.

FCRA 611 ( a ) : Credit bureaus must reinvestigate disputes properly.

Additionally, if UNITED AUTO sold or assigned this alleged debt to a third-party collection agency, there must be : Chain of assignment documents Bill of sale Account transfer records Account ownership verification None were provided during any reinvestigation. 

The account allegedly closed on XX/XX/year>, yet after several years, no documentation has surfaced. If a real auto loan existed, records would be maintained. The absence of documentation strongly indicates that the account is erroneous or fraudulent. 

It is also notable that UNITED AUTO did not : Send validation notices Attempt to collect the account directly Notify me of delinquency Mail me statements Provide me with any type of written communication Under the Fair Debt Collection Practices Act ( FDCPA ), even debt collectors must verify an alleged debt. Yet UNITED AUTO has not produced any record of communication whatsoever.

When I contacted the credit bureaus and disputed the account multiple times, each dispute was handled incorrectly. The bureaus did not : Request real documentation Ask for original contracts Require proof of account ownership Provide a proper Method of Verification Examine any physical evidence Provide records of the furnishers investigation Mark the account as disputed in all instances Instead, the bureaus relied solely on UNITED AUTOs automated response. This is an unacceptable reinvestigation under federal law.

A legitimate auto finance account should include : Payment coupons Monthly statements Contract disclosures Finance charges Interest calculations Vehicle condition documentation Credit application records Loan underwriting notes Application data Insurance proof Payment logs UNITED AUTO has produced none of this.

The alleged {$4600.00} balance appears to be an inflated number with no supporting detail. Without documentation, the amount can not be validated. Accurate reporting requires the furnisher to provide precise numbers and proof of how they were calculated. UNITED AUTO has not done so.

This inaccurate reporting has caused financial and emotional harm. Because of this false account, I risk being : Denied credit Charged higher interest rates Viewed as a financial risk Unable to access fair credit opportunities This is especially serious because auto accounts carry significant weight in credit scoring algorithms.

In summary, what happened is : UNITED AUTO is reporting a {$4600.00} derogatory account I do NOT own.

I never purchased or financed a vehicle with UNITED AUTO.

I disputed the account multiple times.

UNITED AUTO did not provide documentation.

The credit bureaus did not provide a Method of Verification.

No signed contract exists.

No payment history exists.

No repossession or deficiency paperwork exists.

No identity verification records exist.

The account is false, unverified, and damaging.

The account violates multiple FCRA provisions.

The reporting continues to harm my creditworthiness.

Because no evidence exists to prove that I opened, authorized, or benefited from this account, it must be removed.

I am requesting CFPB intervention because UNITED AUTO and the credit bureaus have failed to comply with federal law. No company should be allowed to report a {$4600.00} auto loan as charged-off or delinquent when no contract, identity verification, billing, or documentation exists.

This is a case of inaccurate reporting, failure to investigate, and failure to validate. The account should be deleted from all credit reports immediately.

Company response to consumer: Closed with explanation