I agree with Ken. The question doesn't surround FDCPA, but whether the sale was fair and reasonable. Was it sold with only one bid, to an insider or relative, was the car damaged, totaled at one point, have an interior (yes, I've repo'd a car with only a driver's seat, a steering wheel and a stick shift. I could see the pavement thru the place the center console was supposed to be). There are too many unknowns in the question to say if a deficiency of this size is reasonable or not.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell