Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carvana Group, LLC
State: FL

Complaint narrative:
XXXX XXXX : Legal XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, XXXX : Legal XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX Subject : Formal Demand for Arbitration, Cease of Collection Activities, and Immediate Correction of XXXX XXXX Dear XXXX XXXX, This letter serves as my formal demand for arbitration, as required by the arbitration clause in my purchase and financing agreements with XXXX XXXX, financed through XXXX XXXX XXXX XXXX. This letter addresses wrongful repossession, inappropriate collection activities, and unlawful credit reporting associated with the purchase of the referenced vehicle. 

Detailed Account History and Dispute Background : On XX/XX/XXXX, I purchased a XXXX from XXXX, financed through XXXX. 

Shortly after purchase, multiple significant issues arose with the vehicle, violating the terms outlined in our sales contract, which required XXXX to address any defects promptly. 

Despite repeated requests for XXXX to repair these defects or pick up and cancel the vehicle sale due to ongoing unresolved issues, XXXX repeatedly failed to comply. 

Due to XXXX persistent failure to retrieve the defective vehicle, I was forced to cancel my insurance. Consequently, this situation led directly to the suspension of my driver 's license. 

Ultimately, despite their failure to fulfill contractual obligations to resolve these vehicle defects or cancel the sale as previously agreed, XXXX and XXXX wrongfully repossessed the vehicle on XX/XX/XXXX. 

XXXX has since continued to demand payment on an account associated with a vehicle they improperly repossessed. 

Violation of Prior Agreements and XXXX XXXX : Under the terms of our previous communications, XXXX explicitly agreed to address or cancel the sale due to unresolved vehicle defects. Therefore, XXXX 's continued demands and any negative credit reporting related to this account are inaccurate and constitute willful violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 

Legal Implications : Any continuation of negative reporting, given the above-stated facts, constitutes a deliberate violation of the FCRA and XXXX both XXXX and XXXX to XXXX liability for : Actual and statutory damages due to financial and reputational harm. 

Punitive damages as permitted by the FCRA. 

Attorney 's fees and costs associated with arbitration or further legal action. 

Demanded Immediate Actions : Immediate initiation of arbitration as stipulated in our contractual agreement.

Immediate cessation of all collection activities pending arbitration.

Immediate written confirmation of correction or removal of any negative credit reporting concerning this account. 

Compensation for all damages incurred, including financial loss, inconvenience, license reinstatement expenses, and any related harm caused by XXXX and XXXX actions. 

Legal Consequences : Failure to comply within XXXX ( XXXX ) days from receipt of this letter will result in initiating arbitration and pursuing all legal remedies available, including litigation for breach of contract and violations of the FCRA and applicable state consumer protection statutes. 

Please direct all communications exclusively to me at the provided contact information. I anticipate your prompt action to resolve these serious matters. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation