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Hi, My auto was repo'd back in Jan 2010 due to no job during the financial crisis. Fast forward I would like to get that removed from my report, so I disputed with all 3 agencies and they all came back verified. My next step is to fire-up the why chat's letters, please critique my letter below and let me know if this is the right method. I'm in California LA county and the auto loan was with a local Credit Union. By the way, the CU never attempted to collect on the deficiency. To whom it may concern; I am writing in regard to the above referenced accounts and transactions. This account is being disputed. This vehicle was repossessed by (name of OC) in the State of California on or about, xx/xx/xxxx, and resold on or about xx/xx/xxxx. Under the laws of the State of California UCC § 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, any continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC § 9 remedies. Sincerely, XXXX Please advise, and also let me know what my next step would be. Thanks for reading.