Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : AMERICAN HONDA FINANCE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL LEMON LAW & CREDIT REPORTING DISPUTE XXXX XXXX XXXX LANE ASSIST MALFUNCTION ) DEMAND FOR REMEDY WITHIN 30 DAYS To Whom It May Concern : This letter serves as formal notification and demand under the XXXX  Lemon Law ( XXXX Consumer Warranty Act XXXX XXXX XXXX XXXX XXXX XXXX ), as well as a dispute notice under XXXX XXXX Compliance and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, regarding serious and ongoing defects with my XXXX XXXXXXXX vehicle, which you currently finance. 
Despite this being a new model-year vehicle, I have experienced persistent and unresolved issues with the lane assist system, which has malfunctioned repeatedly since delivery. This defect directly compromises the safety, usability, and reliability of the vehicle. 
Furthermore, I was charged a down payment, which is now part of a financial agreement that you service. Due to the manufacturers failure to provide a functional, defect-free vehicle, that payment and any associated interest is under dispute. I am asserting my rights under both California law and federal credit reporting law. 

YOU ARE HEREBY PUT ON NOTICE OF THE FOLLOWING : The vehicle qualifies as a " lemon '' under XXXX XXXX as it has undergone repair attempts for the same issue without resolution, or remains substantially impaired in safety and function. 


As a financial creditor, you are now on notice of this breach, and your obligation to cease collection and report accurately applies under both XXXX XXXX Compliance guidelines and the FCRA. 


If this matter is not resolved within XXXX calendar days from the date of this notice, I will pursue a full legal remedy, including : Demand for a complete buyback of the vehicle under XXXX Lemon Law ; Full refund of the down payment, interest charges, taxes, and fees ; Correction and deletion of any credit reporting associated with this disputed transaction ; Filing formal complaints with the California Attorney General, CFPB, and FTC ; Legal action against American Honda Finance Corp. for violations of the FCRA, if inaccurate or incomplete credit reporting is found. 



SETTLEMENT DEMAND : I am open to a mutually acceptable resolution, including : A full buyback of the vehicle ; {$43000.00} Immediate termination of financing obligations ; Return of all payments made, including the unjust down payment ; {$1500.00} Complete removal or update of any credit trade lines related to this transaction. 


Failure to settle or respond appropriately within 30 days will result in immediate escalation through legal counsel and regulatory channels. I recommend this be handled by your XXXX resolution team or legal department without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation