Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
American Honda Finance has send letter of last dispute on CFPB stating American Honda Finance is not required to disclose securitization, chain of title, debt validation, proof of claim, power of attorney, valid contract with the living man, IRS forms XXXX, XXXX. American Honda Finance has refused to identify the person sending the letter. American Honda Finance has stated will repossess my private property without my authority or approval. My response to American Honda Finance RE : SECOND FORMAL DEMAND FOR PROOF OF CLAIM, VALIDATION OF ALLEGED DEBT, AND FULL IDENTIFICATION To Whom It May Concern : This correspondence supplements my prior presentment and now formally challenges the alleged debt and your failure to validate the same according to law. If it does not make logic it does not make sense. You assert the existence of an obligation. The burden of proof rests upon the party making the claim. Ei incumbit probatio qui dicit, non qui negat. He who asserts must prove. XXXX incumbit onus probandi. The burden of proof lies upon the claimant. Therefore, you are hereby required within XXXX ( XXXX ) days to provide strict proof and lawful validation of the alleged debt pursuant to the following controlling authorities : I. FAIR DEBT COLLECTION PRACTICES ACT PROOF OF CLAIM that you have complied with 91 Stat. 874 ( Public Law 95-109, Sept. 20, 1977 ), known as the FAIR DEBT COLLECTION PRACTICES ACT, including but not limited to : Validation of the alleged debt upon timely dispute ; Verification of the amount claimed ; Identification of the original creditor ; Proof of lawful assignment if applicable ; Complete itemized accounting from inception. The XXXX requires that upon dispute, collection activity must cease until validation is provided. XXXX. TRUTH IN LENDING ACT PROOF OF CLAIM that the original transaction complied with 82 Stat. 146 ( Public Law 90-321, May 29, 1968 ), known as the TRUTH IN LENDING ACT, including : Clear and conspicuous disclosure of finance charges ; Annual percentage rate ; Total of payments ; Identification of creditor ; Material disclosures at consummation. Failure of material disclosure renders enforcement subject to rescission and statutory remedies. XXXX est odiosa et non praesumenda. XXXX is odious and is not presumed. XXXX. UNIFORM COMMERCIAL CODE PRINCIPLES PROOF OF CLAIM that you are the lawful HOLDER IN DUE COURSE, including : Production of the original signed instrument ; Proof of value given; Proof of good faith ; Proof of lawful transfer ; Chain of custody. XXXX dat quod non habet. No one gives what he does not have. Quod ab initio non valet, in tractu temporis non convalescit. What is void from the beginning can not become valid by time. IV. STANDING AND REAL PARTY IN INTEREST PROOF OF CLAIM that XXXX is the real party in interest with standing to enforce the alleged obligation. A party must demonstrate : Injury in fact ; Lawful ownership of the claim ; Right to enforce ; Competent evidence of assignment. Without standing, there is no jurisdiction. V. COMPLETE ACCOUNTING You are hereby demanded to produce : Full ledger from origination to present ; Application of all payments ; Application of insurance proceeds if any ; Application of tax credits or charge-offs ; Identification of any securitization or third-party guarantees. Pro possessione praesumitur de jure. Possession raises presumption of right but presumption is rebuttable. XXXXabit praesumptio donec probetur in contrarium. A presumption stands only until rebutted. VI. FULL IDENTIFICATION OF CORRESPONDENT Additionally, you are again required to provide FULL IDENTIFICATION of the individual who authored the prior correspondence : Full legal name ; Official title ; Employer status ; Direct contact information ; Proof of authority to bind HONDA ; Whether licensed as a debt collector in this jurisdiction, if applicable. XXXX. NOTICE OF DISPUTE This letter constitutes formal notice that the alleged debt is disputed in its entirety pending strict proof. Silence where there is a duty to speak creates adverse inference. Qui tacet consentire videtur. He who does not deny admits. Qui non negat fatetur. If you fail to validate as required by law and continue collection activity, such conduct shall be documented as willful noncompliance. Nothing herein shall be construed as waiver of any constitutionally secured rights, remedies, offsets, counterclaims, or defenses. Truth is established by evidence not by assertion. I await your lawful validation. Respectfully, XXXX XXXX XXXX XXXX rights reserved none waived

Company response to consumer: Closed with explanation