Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR DELETION Date : XX/XX/year> To : United Auto Credit XXXX United XXXX XXXX Department Re : Account No. XXXXXXXX XXXX XXXX  Consumer : XXXX XXXX XXXX NOTICE OF DISPUTE INACCURATE AND UNVERIFIABLE CREDIT REPORTING This letter serves as formal notice of dispute regarding the above-referenced account currently being reported on my consumer credit file. 

The vehicle associated with this account was defective at the time of sale and became inoperable within one ( 1 ) week, constituting a breach of implied warranty, failure of consideration, and non-conforming sale under applicable consumer protection and Uniform Commercial Code provisions. 

Because the underlying sales transaction was materially defective, any alleged deficiency balance arising from repossession is legally disputed, unliquidated, and unenforceable. 

LEGAL BASIS FOR DISPUTE Breach of Implied Warranty UCC 2-314 & 2-315 A dealer-sold vehicle must be fit for ordinary use. A vehicle failing within one week of sale is not merchantable. No valid consideration was received. 

Failure of Consideration The financing agreement is inseparable from the defective sale. Reporting a deficiency from a failed contract is a material misrepresentation. 

Improper Repossession & Deficiency Reporting UCC 9-610, 9-611 You must prove lawful repossession, proper notice of sale, commercially reasonable disposition, and accurate post-sale accounting. Absent this, no deficiency is reportable.

Fair Credit Reporting Act Violations 1681e ( b ) : Reporting information that is incomplete, inaccurate, or unverifiable 1681s-2 ( b ) : Failure to conduct a reasonable investigation after notice of dispute FDCPA 1692e ( if applicable ) Reporting or attempting to collect an amount not legally owed constitutes false or misleading representation. 

FORMAL DEMAND You are hereby required to provide all of the following, or delete this account immediately : Proof of lawful assignment and authority to collect Pre-sale inspection records and warranty disclosures Documentation showing compliance with lemon law and implied warranty requirements Notice of repossession and notice of sale Sale date, sale price, and commercial reasonableness justification Full post-sale deficiency accounting Verification of the Date of First Delinquency as reported If you can not verify every reported data point, continued reporting constitutes willful noncompliance under the FCRA. 

DEMAND FOR RELIEF Due to the defective nature of the underlying transaction and your inability to lawfully verify the reported balance, I demand : Immediate deletion of this account from all consumer reporting agencies.

Failure to comply will result in complaints filed with the CFPB, State Attorney General, and consideration of civil remedies under FCRA 1681n and 1681o.

This letter is not a refusal to pay, but a formal legal dispute. Any further reporting without resolution will be documented as additional violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX LAST FOUR : XXXX BIRTHDAY : XXXX

Company response to consumer: Closed with explanation