Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
In XX/XX/year>, I submitted my first formal identity theft dispute to the credit bureaus, providing complete documentation including my FTC Identity Theft Report ( Report # XXXX ), a police report, my government-issued ID, and proof of address. I clearly explained that I am a confirmed victim of identity theft. 

On XX/XX/year>, I submitted another written dispute, again including all supporting documentation, and specifically asked for proper validation of a United Auto Credit account. 
In my letter, I stated : United Auto Credit

Previously misidentified as fraud. I acknowledge the account, but request proper validation under FCRA, FDCPA, and FCBA. This means that while I acknowledged having had a prior relationship with U
nited Auto Credit years ago, I could not confirm that this specific account was not created or altered by the identity thieves. My only intention was to confirm the legitimacy of the account through the legal validation process. 
It has now been over four months since my first dispute and more than 30 days since my most recent dispute, yet United Auto Credit has failed to provide any validation, proof of debt, or written response. Even worse, they have not marked the account as disputed, and they changed the account status from Charged-Off to Open on my TransUnion report without any supporting documentation or notice to me.

This situation has been devastating. I am constantly anxious, can not sleep, and feel sick because of the ongoing stress this has caused. My health has been negatively affected both mentally and physically. I have done everything legally required to prove my case, yet United Auto Credit continues to ignore federal law and my rights as a victim of identity theft.

Their actions are not only negligent but reckless and harmful. They have continued to report information they know or should know is inaccurate and unverified, which is unlawful under multiple federal statutes and industry regulations. 
United Auto Credit has violated the following laws : 1. FCRA 623 ( a ) ( 1 ) ( A ) A data furnisher must not report information to a credit bureau if it knows or has reason to believe that the information is inaccurate. United Auto Credit continued to report the account as Open despite the ongoing dispute and lack of validation.

2. FCRA 623 ( a ) ( 3 ) When a consumer disputes an account, the furnisher must notify the credit reporting agencies that the account is in dispute. United Auto Credit failed to report the dispute status to TransUnion.

3. FCRA 607 ( b ) Credit reporting agencies and furnishers must follow reasonable procedures to ensure maximum possible accuracy.Changing a charged-off account to Open without documentation violates this requirement.

4. FCRA 611 ( 15 U.S.C. 1681i ) Consumers have the right to a reasonable investigation and written results within 30 days. No investigation results or written correspondence were ever sent to me.

5. FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Once a debt is disputed, the furnisher must cease collection or reporting until the debt is validated in writing.United Auto Credit never provided validation but continued to report the account.

6. FCBA ( Fair Credit Billing Act ) Consumers have the right to request verification of billing errors or unauthorized accounts. United Auto Credit ignored this lawful request.

7. Metro 2 Compliance Guidelines ( CDIA Credit Reporting Resource Guide ) Under Metro 2, data furnishers must : Report accurate, verifiable, and current information Mark accounts under dispute Avoid altering account status without documentation, United Auto Credit violated these standards by failing to apply the dispute code and by changing the account from Charged-Off to Open without verification.

Summary United Auto Credits ongoing reporting of this account without validation has caused me emotional distress, physical exhaustion, and serious anxiety. I feel revictimized after already proving I am a victim of identity theft. Their noncompliance with federal law and Metro 2 standards is harming my credit, my peace of mind, and my health.

Company response to consumer: Closed with explanation