Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
Date : XX/XX/25 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX To : XXXX XXXX XXXX XXXX XXXX, PAXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX Subject : Formal Dispute of Fraudulent Charged-Off Auto Loan Demand for Deletion under FCRA 1681i , 1681s-2 ( b ) To Whom It May Concern, I am formally disputing the reporting of a charged-off auto loan account listed on my credit file. The information is fraudulent, inaccurate, incomplete, and unverifiable, and must be immediately deleted under the protections afforded to me by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Account in Dispute : Creditor Name : United Auto Credit Account Number : XXXX Status : Charged-Off Balance : {$34000.00} Basis for Dispute : 1. Fraudulent Activity Identity Theft : I did not authorize this account. This account was opened and charged off as a result of fraudulent activity. Under FCRA 1681c-2, I have the right to block information resulting from identity theft. I demand immediate deletion of this tradeline under this provision. I am enclosing a copy of my [ police report or identity theft affidavit ] as required.

2. Unverifiable Information FCRA 1681i ( a ) : If the furnisher or credit bureau can not verify the origin, accuracy, or completeness of the information within 30 days ( 21 for resellers ), it must be permanently deleted. The burden of proof lies with the furnisher. Absent documented proof of my authorization and identity validation ( including original signed contract ), this account is legally unverifiable.

3. Failure to Correct or Remove Inaccuracies FCRA 1681s-2 ( b ) : If you or the furnisher has previously been notified of inaccuracies and has failed to investigate or correct them, this constitutes a clear violation of federal law. Continuing to report false or unverifiable data is grounds for civil liability under FCRA 1681n and 1681o.

4. Obsolete or Incomplete Information FCRA 1681c ( a ) : If the date of first delinquency or charge-off is more than 7 years old, this information is obsolete and must be removed. If the account lacks accurate date reporting, that also renders it incomplete and misleadinggrounds for deletion.

5. Violation of FDCPA 807 ( 8 ) : If this account was transferred or collected by a third party, and they reported or communicated false credit information, that constitutes a violation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). Any debt collector must cease reporting unverifiable or fraudulent accounts.

Legal Demands : Immediately initiate a full reinvestigation of this tradeline as required by FCRA 1681i.

Provide documented, original, signed proof of account authorization and validation of the debt.

If you are unable to verify ALL aspects of the reporting, including accurate dates, balances, and ownership, you are legally required to permanently delete the tradeline.

Send written confirmation of deletion within 30 days of receipt of this letter.

Failure to comply with these obligations constitutes willful noncompliance, subject to legal action. I am prepared to pursue my rights under FCRA 1681n and 1681o, including statutory damages, actual damages, punitive damages, and legal fees.

Please consider this my final notice before legal escalation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation