Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
United Auto Credit denied affiliation with XXXX XXXX XXXX XXXX is not true non affiliation -. not associated with a particular group, organization, etc. 

affiliation-the state or relation of being closely associated or affiliated with a particular person, group, party, company, etc XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against United Auto Credit for False Statements and Misrepresentation in Debt Collection Dear CFPB, I am filing a formal complaint against United Auto Credit Corporation for providing false and misleading statements to the Consumer Financial Protection Bureau ( CFPB ) regarding their affiliation with XXXX XXXX XXXX XXXX XXXX XXXX, while allowing this firm to represent them in the collection of a debt allegedly owed by me.United Auto Credit has asserted that they are not affiliated with XXXX XXXX XXXX XXXX XXXX XXXX  However, despite this claim, they have permitted this firm to act on their behalf in attempting to collect a debt. This contradiction raises serious concerns regarding their compliance with the Fair Debt Collection Practices Act ( FDCPA ) and their responsibility to provide accurate information to both consumers and regulatory agencies.I believe United Auto Credits actions violate the following provisions of the FDCPA:1. 15 U.S.C. 1692e False or Misleading RepresentationsUnited Auto Credit has made false statements to the CFPB and to me by claiming non-affiliation with XXXX XXXX XXXX XXXX, XXXX, while still allowing them to engage in collection activities on their behalf.This misrepresentation has caused confusion and uncertainty regarding who is actually authorized to collect on the alleged debt.2. 15 U.S.C. 1692j Furnishing Deceptive Forms By enabling a third-party entity to act as a debt collector without proper disclosure of their relationship, United Auto Credit may be in violation of laws prohibiting deceptive practices in debt collection.I request that the CFPB investigate this matter to determine whether United Auto Credit has engaged in deceptive or unlawful collection practices and take appropriate enforcement actions if necessary.Additionally, I ask that the CFPB : Require United Auto Credit to clarify their relationship with XXXX XXXX XXXX XXXX XXXX XXXXXXXX and provide documentation confirming or denying any official authorization for debt collection.Ensure that United Auto Credit corrects any false statements made to the CFPB and does not engage in misleading or deceptive representations regarding their affiliations in the future.Hold United Auto Credit accountable if they have violated the FDCPA or any other consumer protection laws.Please let me know if you require any additional information or documentation to support this complaint. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation