Equifax
PO Box 105069
Atlanta, GA
30348
RE: Research Request Form
For: Honda Finance
Once again I am writing you regarding Honda Finance. I sent you proof that this account was closed before I even knew about it, that my gap was closed because Honda said the car was repossessed when I sent you proof that it totaled on November 16 (thus no late charges should have been assessed), and that an extra $2500.00 or so was added due to a repossession, which is fraud because this car was totaled (before the November payment was due) and I have PROOF. I already sent you the letter from the insurance company regarding the fact that the car was totaled. I also sent you a letter from Honda showing how THEY came to the amount of $15,000... I do not deny that I owe around $12,000 on this account, but I do not owe $15,000 whatever.
Honda committed fraud in several ways, and the insurance company was in on it, too. I have all the records and all the proof anyone would need. I also contacted Honda to let them know that I wanted to pay off my car with the insurance money (which was NOT the total amount the car was worth as it was only 2 weeks old!) and my gap insurance. Honda had already illegally closed my gap insurance (by stating the car was a repossession when the car was totaled) and wrote the account off months before I ever even knew about it, and they put it on my credit right away just to screw me over (after adding illegal fees of around $2500.00 for the car being a repossession). They also sold the parts left for cash after the car had already been totaled because THEY said it was a repossession.
So Honda actually got around $8200.00 for the parts of the car after it had been totaled and then ripped me with a repossession (untrue), plus they wrote off an illegal amount of $2500 additional fees for the repossession that never happened because the car was totaled!!! Add up what they wrote off illegally, and they got more than I even paid for the car originally ($23,200) without the finance charge, which was never paid for because the car was totaled!
They had NO authorization to close my gap account but did it anyone based on a lie (totaled NOT repossessed)! They added illegal fees for a repo of around $2500.00. They initially put this report on the credit as a repossession but later changed it to a write off! Again I am sending proof that they did these illegal things and my credit report is incorrect on this matter.
I am disabled and poor ($698.00 per month for SSI) and I cannot afford a lawyer to fight this. Community Legal Services would not help me either! I would at least like my credit to reflect the true amount I owe and show that this was NOT a repossession but a write off because the car was totaled!
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