{"took":315,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":32,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9327429","_score":26.93295,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Title : Complaint Regarding Unresolved Security Transaction with GM Financial Automobile Leasing Trust Description : I acquired a security from an affiliate of GM Financial. XXXX XXXX describes a security as an obligation of an issuer. On XX/XX/year>, I mailed this registered security ( XXXX XXXX XXXX XXXX XXXX XXXX to GM Financial Automobile Leasing Trust, Attn : XXXX XXXX XXXX XXXX VP Corporate Trust Administration. This security was in the form of a money purchase order for the purpose of purchasing a vehicle. XXXX XXXX states an instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. \nI subsequently contacted XXXX XXXX XXXX, XXXX, a company that process securities and is the Indenture Trustee for GM Financial, and spoke with a representative who confirmed the security was located and being processed. However, I was not provided a completion time frame. XXXX XXXX states, if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under simple contract. XXXX XXXX explains that a person not in possession of an instrument is entitled to enforce the instrument if the person was entitled to enforce it before loss and whether it has been lost, destroyed or stolen. By GM Financial and its affiliates receiving the registered security, they have the obligation to enforce the security and tender payment whether its been lost, destroyed or stolen. \nHaving received no further correspondence, compensation nor a vehicle, pursuant to XXXX XXXX, I sent several Notices of Default via certified mail to various GM Financial and XXXX XXXX XXXX XXXX XXXX XX/XX/year> : Notice of Default to AmeriCredit Financial Services Inc. XXXX GM Financial Attn : XXXX XXXX XXXX XXXX XXXX  ( Certified Mail XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> : Notice of Default to GM Financial Automobile Leasing Trust , Attn XXXX XXXX XXXXCorporate Trust Administration ( Certified Mail XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> : Notices of Default to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) On XX/XX/year>, I received a letter from GM Financial XXXX XXXX XXXX, Customer Experience - Executive Resolution, requesting an account number. \nI wrote a response letter, explained that I had no prior contact with GM Financial about progress on the security or an account, that they have not provided account information and I requested compensation for the security and sent it to : Delivered XX/XX/year> : GM Financial, Attn : XXXX XXXX Customer Experience Executive Resolution, ( Certified Mail XXXX XXXX XXXX XXXX XXXX ) Delivered XX/XX/year> XXXX AmeriCredit Financial Services Inc. d/b/a GM Financial Attn : XXXX XXXX XXXX XXXXCorporate Treasury ( Certified Mail XXXX XXXX XXXX XXXX XXXX ) Despite my correspondence, GM Financial, XXXX XXXX, sent repeated requests for an account number on XX/XX/XXXX and XX/XX/year>, without addressing my initial concerns for compensation. \nI sent Notices of Demand for the return of my security due to non-compensation to : Delivered XX/XX/year> : AmeriCredit Financial Services Inc. d/b/a GM Financial Attn : XXXX XXXX XXXX XXXX XXXX Certified Mail XXXX XXXX XXXX XXXX ) Delivered XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXXXXXX XXXX XXXX ( Certified Mail XXXX XXXX XXXX XXXX ) It has been over four months since I mailed the security, and I have not received compensation or further communication regarding its status. \nI am pursuing a remedy described under XXXX XXXX. \nAttachments : Copies of all registered and certified mail receipts.","date_sent_to_company":"2024-06-23T03:33:10.000Z","issue":"Lost or stolen money order","sub_product":"Money order, traveler's check or cashier's check","zip_code":"344XX","tags":null,"has_narrative":true,"complaint_id":"9327429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-06-23T03:01:25.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Title : Complaint Regarding Unresolved <em>Security</em> Transaction with GM <em>Financial</em> <em>Automobile</em> <em>Leasing</em> <em>Trust</em> Description : I acquired a <em>security</em> from an affiliate of GM <em>Financial</em>. XXXX XXXX describes a <em>security</em> as an obligation of an issuer. On XX/XX/year>, I mailed this registered <em>security</em> ( XXXX XXXX XXXX XXXX XXXX XXXX to GM <em>Financial</em> <em>Automobile</em> <em>Leasing</em> <em>Trust</em>, Attn : XXXX XXXX XXXX XXXX VP Corporate <em>Trust</em> Administration."],"company":["General Motors <em>Financial</em> Company, Inc."]},"sort":[26.93295,"9327429"]},{"_index":"complaint-public-v1","_id":"8129948","_score":17.747513,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Please be advised that on XX/XX/XXXX, I extended to BMW Financial Services in good faith a consumer credit application in the form of XXXX paper that was received on the record with BMW of North America Bank XXXX BMW Financial. In review of your BMW Group Prospectus dated XX/XX/XXXX my application was received as a book-entry account documented as a BMW Financial Certificate Receivable as defined in your XXXX BMW Group Prospectus filed with the Securities Exchange Commission ( Commission ) . Be advised that it is a federal crime of identity theft 18 USC 102A to use my personal identifying information without my knowledge and consent and to use my information for securitization purposes by BMW Financial as an Holder and Investor to register with the Commission. \n\nBMW Financial without my knowledge or consent received my application online without any disclosures that my application would be assigned to BMW Securities and received on the record as a Certificate and Receivable and being used as a part of a pool book-entry asset backed securities on behalf of BMW Financial to present to Investors in order to raise capital on behalf of the BMW Group using XXXX XXXX as the underwriter. This means that XXXX XXXX XXXX  and BMW Financial have denied me my extension of my credit never disclosing to me that I was entering into a securitization process with multiple affiliates in violation of my privacy rights in accordance with the Privacy Act of 1974. I have attached a copy of the Receivables Purchase Agreement which outlines the application process and how the applications are securitized for the purpose of filing a CFPB complaint in order to have this transaction investigated. \n\nFurther, this is a violation of my consumer rights in accordance with the Federal Trade Commission and FINRA, as well as Dodd-Frank Act which states it is a violation for any Agency to use consumer personal private data in violation of the Privacy Act of 1974 as a part of a federal securitization financial transaction with the Securities and Exchange Commission without the knowledge and consent of the consumer. For BMW Financial to deny me my extension of credit in this transition constitutes a breach of Custodian and Fiduciary responsibility under the Indenture Trustee Act of 1939, as well as, securities fraud under the Securities and Exchange Act of 1933. \n\nBMW Bank of North America XXXX BMW Financial acting as custodian and fiduciary under the Patriot Act, Title 12 -Banking received my application through BMW Financial as a Receivable and sold it to BMW FS Securities without my knowledge and consent. I am prepared to file in the proper legal venue all documents necessary to show how BMW Bank North America and BMW Financial have failed in me in a consumer transaction as an Investor according to their BMW Prospectus dated XX/XX/XXXX. BMW Financial has filed a Prospectus with the Securities and Exchange Commission dated XX/XX/XXXX and filed on the record with the Securities and Exchange Commission which details how my credit application was securitized through BMW Securities and BMW Bank North America and BMW Financial is choosing to deny me an extension of credit that I am rightfully entitled as an Investor and Holder of Receivables with BMW FS Securities. \n\n\nMy proof of this record is the BMW Prospectus, the BMW RECEIVABLES PURCHASE AGREEMENT, The BMW XXXX XXXX XXXX UNDERWRITING AGREEMENT, between BMW Financial and BMW Securities dated XX/XX/XXXX, attached for reference to show that BMW Financial is well aware of its obligation to investors and consumers as it states in its Prospectus : Consumer Financial Protection Bureau ( CFPB ), which was created by the Dodd-Frank Act, is responsible for implementing and enforcing various federal consumer protection laws. The CFPB also supervises certain depository institutions and non-depository institutions offering financial products and services to consumers, including automobile loans and leases. BMW FS and BMW Bank are subject to regulation by the CFPB and BMW FS is also subject to the CFPBs investigation and enforcement authority. The CFPB has issued public guidance regarding compliance with the fair lending requirements of the Equal Credit Opportunity Act, and its implementing regulation, for automobile lenders that permit automobile dealers to charge the consumer an interest rate that is higher than the rate the lender provides the dealer for a consumer. This increased rate is typically called a dealer markup. The CFPB has been conducting fair lending examinations and investigations of automobile lenders and their dealer markup and compensation policies. In addition, we understand that the CFPB has also conducted investigations concerning certain other automobile lending practices, including the sale of extended warranties, credit insurance and other add-on products. If any of these practices were found to violate applicable laws, BMW FS or BMW Bank could be obligated to repurchase from the Issuing Entity any related Receivable that fails to comply with law, if the violation has a material and adverse effect on the interests of the Issuing Entity or the Noteholders in the related Receivable and such violation is not timely cured. In addition, BMW FS, BMW Bank, the Depositor or the Issuing Entity could also possibly be subject to claims by the obligors on those contracts, and any relief granted by a court could potentially adversely affect the Issuing Entity. \n\nIt is a violation of Rule 200 under the Securities Exchange Act 17 CFR 200 to deny me an extension of credit as an investor in BMW FS Securities pursuant to your Prospectus, the BMW Financial and BMW Securities Purchase Agreement and your Annual XXXX filing. Moreover, under Rule XXXX, filed under the Securities and Exchange Act 17 CFR 201.31, BMW Financial agrees to be ethically bound to not commit language fraud even in the application solicitations as stated in your Form XXXX by providing proper disclosures to all investors. BMW Financial further agrees that pursuant to the Securities Exchange Act of 1933, to be ethically bound to the language and performance of all of BMW Financial public offerings, filings and commitments made to investors. Further, per your XXXX annual filing, your retail installment credit application and consumer products are at the top of your highest grossing tier of revenue for BMW Financial which means that any investment that includes my application and promissory note is a part of your highest grossing revenue. This would mean that a credit application which is deposited as chattel paper is an extremely valuable asset for BMW Financial Securities.\n\nAs an investor a part of multi-denomination global securities as defined in under the RECEIVABLES PURCHASE AGREEMENT between BMW BANK OF NORTH AMERICA, as Seller, and BMW FS SECURITIES LLC, as Depositor Dated as of XX/XX/XXXX under SECTION 2.01 Conveyance of Receivables ( a ) In consideration of the Depositors delivery to or upon the order of the Seller on the Closing Date of {>= $1,000,000} and a Certificate representing a Certificate Percentage Interest equal to XXXX XXXX representing a total purchase price of {>= $1,000,000} ( collectively, the Purchase Price ), the Seller does hereby sell, transfer, assign, set over and otherwise convey to the Depositor, without recourse ( subject to the obligations of the Seller herein ) all right, title, and interest of the Seller in and to the following assets and property whether now owned or existing or hereafter acquired or arising : ( i ) the Receivables and all moneys received thereon after the close of business on XX/XX/XXXX ; ( ii ) the security interests in the Financed Vehicles and any accessions thereto granted by Obligors pursuant to the Receivables and any other interest of the Seller in such Financed Vehicles ; ( iii ) any Liquidation Proceeds and Recoveries and any other proceeds with respect to the Receivables from claims on any theft, physical damage, credit life or disability insurance policies covering Financed Vehicles or Obligors, including any vendors single interest or other collateral protection insurance policy ; ( iv ) any property that shall have secured a Receivable and that shall have been acquired by or on behalf of the Seller ; ( v ) all documents and other items contained in the Receivable Files ; ( vi ) all proceeds from any Receivable repurchased by a Dealer pursuant to a Dealer Agreement; and ( XXXX ) the proceeds of any and all of the foregoing ( collectively, with the assets listed in clauses ( XXXX ) through ( vi ) above, the Conveyed Assets ). \n( b ) For all non-tax purposes, the Seller and the Depositor intend that the transfer of assets by the qSeller to the Depositor pursuant to this Agreement be a sale of the ownership interest in such assets to the Depositor, rather than the mere granting of a security interest to secure a borrowing. In the event, however, that such transfer is deemed not to be a sale but to be a grant of a mere security interest to secure a borrowing, the Seller shall be deemed to have hereby granted, and does hereby grant, to the Depositor a first priority security interest in all right, title and interest of the Seller in and to the Conveyed Assets, whether now owned or existing or hereafter acquired or arising, and all accounts, money, XXXX XXXX, securities, instruments, documents, deposit accounts, certificates of deposit, letters of credit, advices of credit, bankers acceptances, uncertificated securities, general intangibles, contract rights, goods and other property consisting of, arising from or relating to such Conveyed Assets, which security interest shall be perfected, to secure a debt in the amount equal to the Purchase Price ( less payments of principal previously received in respect of the Receivables ) plus interest at a rate equal to the weighted average of the interest rates payable on the Receivables. Pursuant to the Sale and Servicing Agreement and Section 6.04 hereof, the Depositor may sell, transfer and assign to the Issuer ( i ) all or any portion of the assets assigned to the Depositor hereunder, ( ii ) all or any portion of the Depositors rights against the Seller under this Agreement and ( iii ) all proceeds thereof. Such assignment may be made by the Depositor with or without an assignment by the Depositor of its rights under this Agreement, and without further notice to or acknowledgement from the Seller. The Seller waives, to the extent permitted under applicable law, all claims, causes of action and remedies, whether legal or equitable ( including any right of setoff ), against the Depositor or any assignee of the Depositor relating to such action by the Depositor in connection with the transactions contemplated by the Sale and Servicing Agreement. Because ( i ) the Depositor intends to convey all of its right, title and interest in and to the Receivables to the Issuer pursuant to the Sale and Servicing Agreement, ( ii ) the Issuer intends to pledge all of its right, title and interest in and to the Receivables to the Indenture Trustee pursuant to the Indenture, ( iii ) the Seller intends that the transfer of Receivables pursuant to this Agreement be a sale of the ownership interest in such Receivables to the Depositor, and ( iv ) the parties intend that the Indenture Trustee have a direct security interest in the Receivables, if the transfer of the Receivables pursuant to this Agreement is deemed to be a grant of a security interest to secure a borrowing, the foregoing grant by the Seller of a security interest in the Receivables to secure a debt in the amount of the debt described above shall be deemed to be, and the Seller hereby grants, a direct security interest in the Receivables to the Indenture Trustee for the benefit of the Noteholders to secure the debt described above.\n\nSECTION 2.02 The Closing. The sale and purchase of the Receivables shall take place at a closing at the offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX  on the Closing Date, simultaneously with the closing under ( a ) the Sale and Servicing Agreement, ( b ) the Indenture, ( c ) the BMW FS Receivables Purchase Agreement and ( d ) the Trust Agreement In Addition, The Indenture states that BMW Vehicle Owner Trust provides a monetary relationship under Section 13.10 Derivative Counterparty, Supplemental Credit Enhancement Provider and Supplemental Liquidity Provider as Third-Party Beneficiary which means BMW Financial is choosing to use the Underwriters as third-party data furnishers as a means of denying me my consumer credit as in Investor which constitutes securities fraud.\n\nAs you can see, I have been violated as a consumer. If I am continued to be denied the open end retail installment credit contract from BMW Financial as an Investor and Person Deemed Owner and Holder of BMW Certificates described in as defined in the INDENTURE between BMW VEHICLE OWNER TRUST XXXX, as Issuer, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indenture Trustee Dated as of XX/XX/XXXX, is fraud. BMW Financial filed their Prospectus on XX/XX/XXXX, filed pursuant to Rule XXXX, with knowledge that BMW Financial Securities has securitized credit applications through its depositor, BMW Financial, as well as, my current application and a previous application I submitted though BMW Credit Card Services, would constitute securities fraud against me and securities fraud against your investors to deny credit extensions when the applications are being securitized and sold as a part of investment packages is a violation is consumer fraud. \n\nThis could obligate me to file a complaint as a whistleblower under IRS Form 3949-A for tax fraud, and for securities fraud with FINRA, the Commission and the FTC for securities fraud against the BMW Vehicle Owner Trust and for breach of Fiduciary Duty against the BMW Indenture for violations of the Indenture Trustee Act of 1939, against the latest Prospectus dated XX/XX/XXXX and XXXX filed on the record which could potentially put BMW Financial in a dishonorable status with FINRA, IRS, The Department of Justice and the Securities Exchange Commission.","date_sent_to_company":"2024-01-19T14:25:17.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8129948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2024-01-09T19:21:17.000Z","state":"MO","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["The CFPB also supervises certain depository institutions and non-depository institutions offering <em>financial</em> products and services to consumers, including <em>automobile</em> loans and <em>leases</em>. BMW FS and BMW Bank are subject to regulation by the CFPB and BMW FS is also subject to the CFPBs investigation and enforcement authority."],"product":["Vehicle loan or <em>lease</em>"],"issue":["Getting a loan or <em>lease</em>"],"company":["BMW <em>Financial</em> Services NA, LLC"]},"sort":[17.747513,"8129948"]},{"_index":"complaint-public-v1","_id":"13761695","_score":15.188931,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 605B, 1681e ( b ), 1681i, and 1681s-2 ( b ) ; the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016802 ; the XXXX  Consumer Protection Act ( MCPA ), MCL 445.903 ; and the XXXX  Identity Theft Protection Act ( MITPA ), MCL 445.72, by unlawfully reporting and disclosing trust-held assets of XXXX  XXXX  XXXX XXXX , a revocable common law trust formed in XXXX, as personal consumer information on my credit report. As Grantor and Trustee, I am the authorized representative of the trust, as evidenced by the attached Certificate of Common Law Trust ( dated XX/XX/XXXX, with Schedule A ). The identifiersXXXX XXXX XXXX ( registered to XXXX XXXX XXXX, XXXX, filed XX/XX/XXXX ) and Social Security Number ending in XXXXare trust-held assets, as confirmed by Schedule A ( items 1, 56 ), and were never authorized for consumer credit reporting or disclosure. Signature variations reflect trust-held identifiers, as documented in Schedule A. \n\nOn XX/XX/XXXX, I filed disputes via the Consumer Financial Protection Bureaus complaint portal, enclosing my FTC Identity Theft Report ( No. XXXX ), trust certificate with XXXX XXXX XXXX XXXX XXXX XXXX, and a statement that the disputed information does not relate to my personal transactions. Under FCRA 605B ( a ), the CRAs were required to block the following accounts from my personal credit report within XXXX business days ( by XX/XX/XXXX ) : XXXX. XXXX XXXX XXXX  Acct. # XXXX XXXX. XXXX XXXX XXXX Acct. # XXXX XXXX. XXXX XXXX  XXXX Acct XXXX # XXXX XXXX. XXXX XXXX  Acct. # XXXX XXXX. XXXX XXXX Acct. # XXXX XXXX. XXXX XXXX  Accts. # XXXX and # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, # XXXX, # XXXX The CRAs have not confirmed blocking, violating FCRA 605B ( a ). Experians XX/XX/XXXX, email claimed additional information justified reinsertion but violated 605B ( c ) ( 2 ) by failing to specify the : 1 ) Statutory exception, 2 ) Affected accounts, 3 ) Furnisher details, or 4 ) Signed authorization. TransUnions and Equifaxs interim responses ( undated, via CFPB ) lack substantive action, risking 1681i ( a ) ( 1 ) noncompliance if reinvestigation is not completed by XX/XX/XXXX ( XXXX  days from XX/XX/XXXX ). \n\nThe CRAs have not confirmed blocking, violating FCRA 605B ( a ). Experians XX/XX/XXXX, email claimed additional information justified reinsertion but violated 605B ( c ) ( 2 ) by failing to specify the statutory exception, affected accounts, furnisher details, or signed authorization. TransUnions and Equifaxs interim responses ( undated, via CFPB ) lack substantive action, risking 1681i ( a ) ( 1 ) noncompliance if reinvestigation is not completed by XX/XX/XXXX ( XXXX  days from XX/XX/XXXX ). \n\nI disputed these accounts with furnishers via Cease and Desist demands ( XXXX XXXX XXXX ) and CFPB complaints ( IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), asserting they are trust-held and inaccurately reported. XXXX ( ID : XXXX, XX/XX/XXXX ) ceased communications as of XX/XX/XXXX, yet CRAs continue reporting, violating FCRA 1681s-2 ( b ). XXXX ( ID : XXXX, XX/XX/XXXX ) ceased communications but upheld reporting, which is unverifiable given Schedule A. XXXX ( XXXX : XXXX, XXXX, XX/XX/XXXX ) and XXXX  XXXX ( ID : XXXX, XX/XX/XXXX ) are under review, and XXXX ( ID : XXXX ) was referred to the OCC. CRAs failure to reflect furnisher actions or reinvestigate violates FCRA 1681s-2 ( b ) and 1681i. \n\nThe CRAs violated GLBA 6802 by disclosing my nonpublic personal information ( NPI ) trust-held identifiersto furnishers and third parties ( e.g., XXXX XXXX XXXXXXXX XXXX denying my {$3000.00} loan on XX/XX/XXXX ) without consent as Trustee. Their failure to verify trust-held status violates GLBAs Safeguards Rule ( 16 C.F.R. Part 314 ). The CRAs misreporting constitutes deceptive practices under MCPA XXXX45.903 ( 1 ) ( s ), ( bb ) and identity theft under MITPA 445.72, as my FTC report confirms unauthorized use. \n\nAs Trustee, I am unable to effectively operate XXXX  XXXX XXXX XXXX due to the CRAs fraudulent reporting of trust-held identifiers as personal consumer data, resulting in low credit scores and significant operational disruptions : The trusts ability to secure housing necessary for its operations is severely impaired, as my lease, critical for trust activities, ends in XX/XX/XXXX, and low credit scores ( Experian : XXXX, Equifax : XXXX, TransUnion : XXXX ), caused by the CRAs erroneous reporting, prevent me from obtaining new leasing agreements on behalf of the trust. \nIn XX/XX/XXXX, I was compelled, as Trustee, to secure an automobile loan with XXXX at a XXXX XXXX XXXX to support trust operations, incurring thousands in excessive interest costs that drain trust resources and hinder other essential activities. \nOn XX/XX/XXXX, XXXX XXXX XXXX denied a {$3000.00} loan application I submitted on behalf of the trust, critical for funding trust projects and investments, due to the CRAs fraudulent reporting, significantly limiting the trusts financial options. \n\nThese harms satisfy TransUnion XXXX v. XXXX ( XXXX ) standing. Precedents like XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX, XXXX ) and XXXX XXXX Experian ( XXXX ) hold CRAs liable for misreporting fraudulent accounts. The CRAs violations constitute willful noncompliance under FCRA 1681n, exposing them to statutory damages ( {$100.00} {$1000.00} per violation under FCRA ; {$250.00} under MCPA ; {$1000.00} under MITPA ), actual damages, and punitive damages.","date_sent_to_company":"2025-05-27T19:49:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"13761695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-27T19:37:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["prevent me from obtaining new <em>leasing</em> agreements on behalf of the <em>trust</em>."]},"sort":[15.188931,"13761695"]},{"_index":"complaint-public-v1","_id":"13760524","_score":15.188931,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 605B, 1681e ( b ), 1681i, and 1681s-2 ( b ) ; the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016802 ; the XXXX  Consumer Protection Act ( MCPA ), MCL 445.903 ; and the XXXX  Identity Theft Protection Act ( MITPA ), MCL 445.72, by unlawfully reporting and disclosing trust-held assets of XXXX  XXXX  XXXX XXXX , a revocable common law trust formed in XXXX, as personal consumer information on my credit report. As Grantor and Trustee, I am the authorized representative of the trust, as evidenced by the attached Certificate of Common Law Trust ( dated XX/XX/XXXX, with Schedule A ). The identifiersXXXX XXXX XXXX ( registered to XXXX XXXX XXXX, XXXX, filed XX/XX/XXXX ) and Social Security Number ending in XXXXare trust-held assets, as confirmed by Schedule A ( items 1, 56 ), and were never authorized for consumer credit reporting or disclosure. Signature variations reflect trust-held identifiers, as documented in Schedule A. \n\nOn XX/XX/XXXX, I filed disputes via the Consumer Financial Protection Bureaus complaint portal, enclosing my FTC Identity Theft Report ( No. XXXX ), trust certificate with XXXX XXXX XXXX XXXX XXXX XXXX, and a statement that the disputed information does not relate to my personal transactions. Under FCRA 605B ( a ), the CRAs were required to block the following accounts from my personal credit report within XXXX business days ( by XX/XX/XXXX ) : XXXX. XXXX XXXX XXXX  Acct. # XXXX XXXX. XXXX XXXX XXXX Acct. # XXXX XXXX. XXXX XXXX  XXXX Acct XXXX # XXXX XXXX. XXXX XXXX  Acct. # XXXX XXXX. XXXX XXXX Acct. # XXXX XXXX. XXXX XXXX  Accts. # XXXX and # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, # XXXX, # XXXX The CRAs have not confirmed blocking, violating FCRA 605B ( a ). Experians XX/XX/XXXX, email claimed additional information justified reinsertion but violated 605B ( c ) ( 2 ) by failing to specify the : 1 ) Statutory exception, 2 ) Affected accounts, 3 ) Furnisher details, or 4 ) Signed authorization. TransUnions and Equifaxs interim responses ( undated, via CFPB ) lack substantive action, risking 1681i ( a ) ( 1 ) noncompliance if reinvestigation is not completed by XX/XX/XXXX ( XXXX  days from XX/XX/XXXX ). \n\nThe CRAs have not confirmed blocking, violating FCRA 605B ( a ). Experians XX/XX/XXXX, email claimed additional information justified reinsertion but violated 605B ( c ) ( 2 ) by failing to specify the statutory exception, affected accounts, furnisher details, or signed authorization. TransUnions and Equifaxs interim responses ( undated, via CFPB ) lack substantive action, risking 1681i ( a ) ( 1 ) noncompliance if reinvestigation is not completed by XX/XX/XXXX ( XXXX  days from XX/XX/XXXX ). \n\nI disputed these accounts with furnishers via Cease and Desist demands ( XXXX XXXX XXXX ) and CFPB complaints ( IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), asserting they are trust-held and inaccurately reported. XXXX ( ID : XXXX, XX/XX/XXXX ) ceased communications as of XX/XX/XXXX, yet CRAs continue reporting, violating FCRA 1681s-2 ( b ). XXXX ( ID : XXXX, XX/XX/XXXX ) ceased communications but upheld reporting, which is unverifiable given Schedule A. XXXX ( XXXX : XXXX, XXXX, XX/XX/XXXX ) and XXXX  XXXX ( ID : XXXX, XX/XX/XXXX ) are under review, and XXXX ( ID : XXXX ) was referred to the OCC. CRAs failure to reflect furnisher actions or reinvestigate violates FCRA 1681s-2 ( b ) and 1681i. \n\nThe CRAs violated GLBA 6802 by disclosing my nonpublic personal information ( NPI ) trust-held identifiersto furnishers and third parties ( e.g., XXXX XXXX XXXXXXXX XXXX denying my {$3000.00} loan on XX/XX/XXXX ) without consent as Trustee. Their failure to verify trust-held status violates GLBAs Safeguards Rule ( 16 C.F.R. Part 314 ). The CRAs misreporting constitutes deceptive practices under MCPA XXXX45.903 ( 1 ) ( s ), ( bb ) and identity theft under MITPA 445.72, as my FTC report confirms unauthorized use. \n\nAs Trustee, I am unable to effectively operate XXXX  XXXX XXXX XXXX due to the CRAs fraudulent reporting of trust-held identifiers as personal consumer data, resulting in low credit scores and significant operational disruptions : The trusts ability to secure housing necessary for its operations is severely impaired, as my lease, critical for trust activities, ends in XX/XX/XXXX, and low credit scores ( Experian : XXXX, Equifax : XXXX, TransUnion : XXXX ), caused by the CRAs erroneous reporting, prevent me from obtaining new leasing agreements on behalf of the trust. \nIn XX/XX/XXXX, I was compelled, as Trustee, to secure an automobile loan with XXXX at a XXXX XXXX XXXX to support trust operations, incurring thousands in excessive interest costs that drain trust resources and hinder other essential activities. \nOn XX/XX/XXXX, XXXX XXXX XXXX denied a {$3000.00} loan application I submitted on behalf of the trust, critical for funding trust projects and investments, due to the CRAs fraudulent reporting, significantly limiting the trusts financial options. \n\nThese harms satisfy TransUnion XXXX v. XXXX ( XXXX ) standing. Precedents like XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX, XXXX ) and XXXX XXXX Experian ( XXXX ) hold CRAs liable for misreporting fraudulent accounts. The CRAs violations constitute willful noncompliance under FCRA 1681n, exposing them to statutory damages ( {$100.00} {$1000.00} per violation under FCRA ; {$250.00} under MCPA ; {$1000.00} under MITPA ), actual damages, and punitive damages.","date_sent_to_company":"2025-05-27T19:49:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"13760524","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-27T19:49:06.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["prevent me from obtaining new <em>leasing</em> agreements on behalf of the <em>trust</em>."]},"sort":[15.188931,"13760524"]},{"_index":"complaint-public-v1","_id":"11324606","_score":14.758211,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Financial Powers- For Account portions covering decisions of the document titled UNSECURED LOAN, that I allegedly executed on the XXXX XXXX XXXX XXXXXX/XX/XXXX, which resulted in the appointment of REPRISE FINANCIAL as my agent and as my alternate successor agent. I hereby notify said agent ( s ) and any other interested persons and institutions that all portions of said documents are revoked. \nl. POWERS BEING REVOKED These are the powers to act on my behalf that have been REVOKED from REPRISE FINANCIAL. REPRISE FINANCIAL shall NOT have the power to act on my behalf in the following ways.\n\nI. No Power to Make Payments or Collect Monies Owed.\n\nREPRISE FINANCIAL in fact has no power to make any payments on any accounts I may owe and to hold, collect and request any sums that may be due, owing or payable to me or in which I may hereinafter acquire an interest, in whatever form, whether liquidated or unliquidated, to have, use, and take all lawful means in my name for the collection and recovery thereof, and to adjust, sell, compromise, and agree for the same and to execute and deliver for me, on my behalf, and in my name, all endorsements, releases, receipts, or other suffcient discharges for the same. \n2. No Power to Acquire, Lease and Sell Personal Property.\n\nREPRISE FINANCIAL in fact has no power to acquire, purchase, exchange, I lease, grant options to sell, and sell and personal property, or any interests therein, on such terms and conditions, including credit arrangements ; REPRISE FINANCIAL infact has no power to execute, acknowledge or deliver, under seal or otherwise, any and all assignments, transfers, titles, papers, documents or instruments in connection therewith.\n\nREPRISE FINANCIAL has no power to purchase, sell or otherwise dispose of, assign, transfer or convey shares of stock, bonds, securities and other personal property now or hereafter belonging to me, whether standing in my name or otherwise, and wherever situ ated.\n\n3. No Power to Acquire, Lease and Sell Real Property.\n\nREPRISE FINANCIAL in fact has no power to acquire, purchase, exchange, lease, grant options to sell, sell or convey real property, or any interests therein, on such terms and conditions, including credit arrangements of any type. REPRISE FINANCIAL infact has no power to execute, acknowledge and deliver, under seal or otherwise, any and all assignments, transfers, deeds, papers, documents or instruments in connection with.\n\n4. No Management Powers. REPRISE FINANCIAL has no power to maintain, repair, improve, invest, manage, insure, rent, lease, encumber, and in any manner deal with any real or personal property, tangible or intangible, or any interests therein, that I now own or may hereafter acquire, in my name and for my benefit, upon such terms and conditions in connection with.\n\n5. No Banking Powers. REPRISE FINANCIAL in fact has no power to open and close accounts, make, receive, and endorse checks and drafts, deposit and withdraw funds, acquire and redeem certificates of deposit, in banks, savings and loan associations, and other institutions, execute or release such deeds of trust or other security agreements as may be necessary or proper in the exercise of the rights and powers herein granted.\n\n6. No Motor Vehicles. REPRISE FINANCIAL has no power to apply for a 2 Certificate of Title upon, or endorse and transfer title thereto, for any automobile, truck, pickup truck, van, motorcycle, or other motor vehicle, or to represent in such transfer or assignment that the title to said motor vehicle is free and clear of all liens and encumbrances except those specifically set forth in such transfer or assignment.\n\n7. No Tax Powers. REPRISE FINANCIAL in fact has no power to act without imitation on my behalf with regard to federal income taxes ( Forms 1040, 1040EZ, 1040X, etc. ), state and local income taxes, estate, gift ( Form 709 ) or other tax returns of all sorts, whether federal or state and local, including where appropriate joint returns, FICA returns, payroll tax returns, claims for refunds, requests for extensions of time to file returns or pay taxes, extensions and waivers of applicable periods of limitation, protests and petitions to administrative agencies or courts, including the tax court, regarding tax matters, and any and all other tax related documents, including but not limited to consents and agreements under Section 2032A of the Internal Revenue Code or any successor section thereto and consents to split gifts and closing agreements, for all tax periods from XXXX through XXXX, and for all jurisdictions ; to complete Internal Revenue Service Form 2848, Power of Attorney and Declaration of Representative ( or other prescribed form ) on my behalf as well as to perform all other functions contemplated by that form whether they are required or merely permissible ; to consent to any gift and to utilize any gift-splitting provisions or other tax election ; or to prepare, sign, and file any claims for refund of any tax ; to post bonds, receive confidential information or contest deficiencies determined by the Internal Revenue Service or any state or local taxing authority : to exercise any and all elections that I may have under federal, state or local tax laws including without limitation the allocation of any generationskipping tax exemption to which I may be entitled ; to the extent that I may have omitted some power or discretion, some tax period, some form or some jurisdiction, I hereby REVOKE from REPRISE FINANCIAL powers to amend the Internal 3 Revenue Service form power of attorney ( presently Form 2848 or Form 2848-D ) in my name.\n\n8. No Safe-Deposit Boxes. REPRISE FINANCIAL has no power to open or have access at any time or times to any safe-deposit box rented by me or to which I may have access, where so ever located, including drilling, if necessary, and to remove all or any part of the contents thereof, and to surrender or relinquish said safe-deposit box ; and any institution in which any such safe-deposit box may be located shall not incur any liability to me or my estate as a result of REPRISE FINANCIAL attempts to exercise this power.\n\n9. No Gift Making Powers. REPRISE FINANCIAL has no power to make gifts, grants, or other transfers including the forgiveness of indebtedness and the completion of any charitable pledges I may have made without consideration, either outright or in trust to such person ( s ) ( REPRISE FINANCIAL ) or organization trying to act as my attorney in fact shall not have to power to, including, without limitation, the following actions : ( a ) transfer by gift in advancement of a bequest or devise to beneficiaries under my will or in the absence of a will to my spouse and descendants in whatever degree ; ( b ) or release of any life interest, or waiver, renunciation, disclaimer, or declination of any gift to me by will, deed, or trust.\n\n10.No Lending and No Borrowing. REPRISE FINANCIAL has no power to make loans by my name ; to borrow money in my name, individually or jointly with others. \nREPRISE FINANCIAL in fact has no power to give promissory notes or other obligations therefor ; or to deposit or mortgage as collateral or for security for the payment thereof any or all of my securities, real estate, personal property, or other property of whatever nature and wherever situated, held by me personally or in trust for my benefit. \n11. No Contracts. REPRISE FINANCIAL has no power to enter into any contracts of whatever nature or kind in my name.\n\n12. No Health Care. REPRISE FINANCIAL has no power to take any steps Page 4 of 6 necessary to arrange for my admission to any type of health care facility, including, without limitation, a hospital, rehabilitation facility, skilled nursing facility, or hospice, or to authorize the release of my medical records ever.\n\n13. HIPAA. REPRISE FINANCIAL has no power or authority as my personal representative for all purposes of the Health Insurance Portability and Accountability Act 1996 ( Pub. L. No. 104-191 ).\n\n14. No Power to Hire or Pay for Services. REPRISE FINANCIAL has no power to retain such accountants, attorneys, social workers, consultants, clerks, employees, workers, or other people in connection with the management of my property and affairs and to make payments from my assets for the fees of such people so employed.\n\n15. No Reimbursement. REPRISE FINANCIAL has no power to reimburse anyone for any reasonable expenses incurred in connection with such services ; and 16. No Power to Sue Third Parties Who Fail to Act Pursuant to Power of Attorney. If any third patty ( including stock transfer agents, title insurance companies, banks, credit unions, and savings and loan associations ) with whom REPRISE FINANCIAL may try and seeks to transact with refuses to recognize REPRISE FINANCIAL as my attorney-in fact who has no authority to act on my behalf pursuant to this Power of Attorney, REPRISE FINANCIAL has no power to sue or recover from such third party all resulting damages, costs, expenses incurred because of such failure to act. The costs, expenses, and attorney fees incurred in bringing such an action shall be charged to REPRISE FINANCIAL.\n\n17. Other No Powers to conduct the following. REPRISE FINANCIAL has no power, authority or authorization to report any information tied to account o nyone ever to include all credit reporting agencies like XXXX XXXX XXXX XXXX XXXXXXXX or any secondary credit reporting agencies like XXXX XXXX XXXX XXXX XXXX XXXX  This instrument is to be construed and interpreted as a revocation power of attorney. The enumeration of specific powers herein is not intended to, nor does it, limit or restrict the general powers revoked and not granted to REPRISE FINANCIAL. \nThis instrument is executed and delivered in the State of Missouri and the laws of such state shall govern all questions as to the validity of this power and the construction of its provisions. Nevertheless, I intend that this instrument be given full force and effect in any and all 50 states or countries in which I may find myself, where I may own property, whether real or personal. I revoke any bond required to give bond and it any bond was required from REPRISE FINANCIAL. This revocation takes effect immediately. A photocopy has the same effect as an original. This revocation was signed the XXXX XXXX XXXX XXXX XXXX \nSignature of Principa Print Name NOTARY ACKNOWLEDGMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The foregoing instrument was acknowledged before me by means of XXXX XXXX presence oryonline notarization, on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-30T18:42:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"644XX","tags":null,"has_narrative":true,"complaint_id":"11324606","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Skopos Financial, LLC","date_received":"2024-12-30T18:15:16.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["REPRISE <em>FINANCIAL</em> has no power to make loans by my name ; to borrow money in my name, individually or jointly with others. \nREPRISE <em>FINANCIAL</em> in fact has no power to give promissory notes or other obligations therefor ; or to deposit or mortgage as collateral or for <em>security</em> for the payment thereof any or all of my <em>securities</em>, real estate, personal property, or other property of whatever nature and wherever situated, held by me personally or in <em>trust</em> for my benefit. \n11. No Contracts."],"company":["Skopos <em>Financial</em>, LLC"]},"sort":[14.758211,"11324606"]},{"_index":"complaint-public-v1","_id":"8131791","_score":13.378398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be advised that on XX/XX/XXXX, I am writing to dispute the adverse action taken against me based upon the credit application I extended to XXXX XXXX XXXX ( Application # XXXX ) given in good faith as a consumer credit application in the form of a book entry that was received on the record with XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX in accordance with the ( FCRA ). In review of your XXXX XXXX XXXX dated XX/XX/XXXX my application was received as a book-entry account documented as a XXXX XXXX Certificate Receivable as defined in your XXXX XXXX XXXX XXXX filed with the Securities Exchange Commission ( Commission ) , I have a right to request an investigation into the accuracy of the negative information reported by your agency. Be advised that it is a federal crime of identity theft 18 USC 102A to share my personal identifying information with your underwriter Wells Fargo without my knowledge and consent. XXXX XXXX as a Holder of my personal information used my personal information to create and record a book-entry receivable on the record with the Commission without my knowledge and consent. Further, under 15 USC 1681, it is a violation to use my credit report as a means of denying me credit is an adverse action when using Wells Fargo as an affiliate underwriter to determine my credit worthiness is deceptive and unfair business practices. \n\nXXXX XXXX without my knowledge or consent received my application online without any disclosures that my application would be assigned to XXXX XXXX and received on the record as a Certificate and Receivable and being used as a part of a pool book-entry asset backed securities on behalf of XXXX XXXX to present to Investors to raise capital on behalf of the XXXXXXXX XXXX using Wells Fargo as the underwriter. This means that Wells Fargo Bank and XXXX XXXX have denied me my extension of my credit never disclosing to me that I was entering into a securitization process with multiple affiliates in violation of my privacy rights in accordance with the Privacy Act of 1974 and violations of 15 USC 1642, 15 USC 1681m. and 12 CFR 1002, the Equal Credit Opportunity act. Also, I have attached a copy of the Receivables Purchase Agreement which outlines the application process and how the applications are securitized for the purpose of filing a CFPB complaint in order to have this transaction investigated. \n\nFurther, this is a violation of my consumer rights under 15 USC 1642, to use adverse actions and unfair deceptive and abusive practices such as credit denial in the process of interstate commerce according to the Federal Trade Commission and FINRA, as well as Dodd-Frank Act. Further, according to the Dodd-Frank Act, is an adverse action taken by XXXX XXXX and Wells Fargo by sharing my personal data with its affiliate underwriter Wells Fargo and together both agencies using adverse actions against me to deny me an extension of credit also in violation of the Privacy Act of 1974, 15USC 1681 and the Equal Credit Opportunity Act. XXXX XXXX engaged in a securities transaction documented through the Securities and Exchange Commission without my knowledge and consent. For XXXX XXXX to deny me my extension of credit in this transition constitutes a breach of Custodian and Fiduciary responsibility under the Indenture Trustee Act of 1939, as well as securities fraud under the Securities and Exchange Act of 1933. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acting as custodian and fiduciary under the Patriot Act and 12 CFR Appendix A to Part 1002. XXXX XXXX took my application as a Receivable and sold it to XXXX XXXX XXXX without my knowledge and consent. I am prepared to file in the proper legal venue all documents necessary to show how XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX have failed in me in a consumer transaction as an Investor according to their XXXX XXXX dated XX/XX/XXXX. XXXX XXXX has filed a Prospectus with the Securities and Exchange Commission dated XX/XX/XXXX and filed on the record with the Securities and Exchange Commission which details how my credit application was securitized through XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX is choosing to deny me an extension of credit that I am rightfully entitled as an Investor and Holder of Receivables with XXXX XXXX XXXX by submitting an application with the XXXXXXXX XXXX XXXX. \n\nMy proof of this record is the XXXX XXXX the XXXX RECEIVABLES PURCHASE AGREEMENT, The XXXX XXXX XXXX XXXX UNDERWRITING AGREEMENT, between XXXX XXXX and XXXX XXXX dated XX/XX/XXXX, attached for reference to show that XXXX XXXX is well aware of its obligation to investors and consumers as it states in its Prospectus : Consumer Financial Protection Bureau ( CFPB ), which was created by the Dodd-Frank Act, is responsible for implementing and enforcing various federal consumer protection laws. The CFPB also supervises certain depository institutions and non-depository institutions offering financial products and services to consumers, including automobile loans and leases. XXXXXXXX XXXX and XXXXXXXX XXXX are subject to regulation by the CFPB and XXXXXXXX XXXX is also subject to the CFPBs investigation and enforcement authority. The CFPB has issued public guidance regarding compliance with the fair lending requirements of the Equal Credit Opportunity Act, and its implementing regulation, for automobile lenders that permit automobile dealers to charge the consumer an interest rate that is higher than the rate the lender provides the dealer for a consumer. This increased rate is typically called a dealer markup. The CFPB has been conducting fair lending examinations and investigations of automobile lenders and their dealer markup and compensation policies. In addition, we understand that the CFPB has also conducted investigations concerning certain other automobile lending practices, including the sale of extended warranties, credit insurance and other add-on products. If any of these practices were found to violate applicable laws, XXXXXXXX XXXX  or XXXXXXXX XXXX  could be obligated to repurchase from the Issuing Entity any related Receivable that fails to comply with law, if the violation has a material and adverse effect on the interests of the Issuing Entity or the Noteholders in the related Receivable and such violation is not timely cured. In addition, XXXX XXXX, XXXXXXXX XXXX, the Depositor or the Issuing Entity could also possibly be subject to claims by the obligors on those contracts, and any relief granted by a court could potentially adversely affect the Issuing Entity. \n\nIt is a violation of Rule 200 under the Securities Exchange Act 17 CFR 200 to deny me an extension of credit as an investor in XXXX XXXX XXXX pursuant to your Prospectus, the XXXX XXXX and XXXX XXXX Purchase Agreement and your Annual XXXX filing and 15 USC 1681 and 17 CFR Part 9. Moreover, under Rule 14a-12, filed under the Securities and Exchange Act 17 CFR 201.31, XXXX XXXX agrees to be ethically bound to not commit language fraud even in the application solicitations, as well as, state all parties involved when committing an adverse action against me as an investor as stated in your Form XXXX by providing proper disclosures to all investors. I was not provided with any of the disclosures involved in why XXXX XXXX took adverse action against me. XXXX XXXX further agrees that pursuant to the Securities Exchange Act of 1933, to be ethically bound to the language and performance of all of XXXX XXXX public offerings, filings and commitments made to investors. Further, per your XXXX annual filing, your retail installment credit application and consumer products are at the top of your highest grossing tier of revenue for XXXX XXXX which means that any investment that includes my application and promissory note is a part of your highest grossing revenue. \n\nAs an investor a part of multi-denomination global securities as defined in under the RECEIVABLES PURCHASE AGREEMENT between XXXX XXXX XXXX XXXX XXXX, as Seller, and XXXX XXXX XXXX XXXX, as Depositor Dated as of XX/XX/XXXX under SECTION 2.01 Conveyance of Receivables ( a ) In consideration of the Depositors delivery to or upon the order of the Seller on the Closing Date of {>= $1,000,000} and a Certificate representing a Certificate Percentage Interest equal to 14.96288427 %, representing a total purchase price of {>= $1,000,000} ( collectively, the Purchase Price ), the Seller does hereby sell, transfer, assign, set over and otherwise convey to the Depositor, without recourse ( subject to the obligations of the Seller herein ) all right, title, and interest of the Seller in and to the following assets and property whether now owned or existing or hereafter acquired or arising : ( i ) the Receivables and all moneys received thereon after the close of business on XX/XX/XXXX ; ( ii ) the security interests in the Financed Vehicles and any accessions thereto granted by Obligors pursuant to the Receivables and any other interest of the Seller in such Financed Vehicles ; ( iii ) any Liquidation Proceeds and Recoveries and any other proceeds with respect to the Receivables from claims on any theft, physical damage, credit life or disability insurance policies covering Financed Vehicles or Obligors, including any vendors single interest or other collateral protection insurance policy ; ( iv ) any property that shall have secured a Receivable and that shall have been acquired by or on behalf of the Seller ; ( v ) all documents and other items contained in the Receivable Files ; ( vi ) all proceeds from any Receivable repurchased by a Dealer pursuant to a Dealer Agreement; and ( vii ) the proceeds of any and all of the foregoing ( collectively, with the assets listed in clauses ( i ) through ( vi ) above, the Conveyed Assets ). \n( b ) For all non-tax purposes, the Seller and the Depositor intend that the transfer of assets by the qSeller to the Depositor pursuant to this Agreement be a sale of the ownership interest in such assets to the Depositor, rather than the mere granting of a security interest to secure a borrowing. In the event, however, that such transfer is deemed not to be a sale but to be a grant of a mere security interest to secure a borrowing, the Seller shall be deemed to have hereby granted, and does hereby grant, to the Depositor a first priority security interest in all right, title and interest of the Seller in and to the Conveyed Assets, whether now owned or existing or hereafter acquired or arising, and all accounts, money, chattel paper, securities, instruments, documents, deposit accounts, certificates of deposit, letters of credit, advices of credit, bankers acceptances, uncertificated securities, general intangibles, contract rights, goods and other property consisting of, arising from or relating to such Conveyed Assets, which security interest shall be perfected, to secure a debt in the amount equal to the Purchase Price ( less payments of principal previously received in respect of the Receivables ) plus interest at a rate equal to the weighted average of the interest rates payable on the Receivables. Pursuant to the Sale and Servicing Agreement and Section 6.04 hereof, the Depositor may sell, transfer and assign to the Issuer ( i ) all or any portion of the assets assigned to the Depositor hereunder, ( ii ) all or any portion of the Depositors rights against the Seller under this Agreement and ( iii ) all proceeds thereof. Such assignment may be made by the Depositor with or without an assignment by the Depositor of its rights under this Agreement, and without further notice to or acknowledgement from the Seller. The Seller waives, to the extent permitted under applicable law, all claims, causes of action and remedies, whether legal or equitable ( including any right of setoff ), against the Depositor or any assignee of the Depositor relating to such action by the Depositor in connection with the transactions contemplated by the Sale and Servicing Agreement. Because ( i ) the Depositor intends to convey all of its right, title and interest in and to the Receivables to the Issuer pursuant to the Sale and Servicing Agreement, ( ii ) the Issuer intends to pledge all of its right, title and interest in and to the Receivables to the Indenture Trustee pursuant to the Indenture, ( iii ) the Seller intends that the transfer of Receivables pursuant to this Agreement be a sale of the ownership interest in such Receivables to the Depositor, and ( iv ) the parties intend that the Indenture Trustee have a direct security interest in the Receivables, if the transfer of the Receivables pursuant to this Agreement is deemed to be a grant of a security interest to secure a borrowing, the foregoing grant by the Seller of a security interest in the Receivables to secure a debt in the amount of the debt described above shall be deemed to be, and the Seller hereby grants, a direct security interest in the Receivables to the Indenture Trustee for the benefit of the Noteholders to secure the debt described above. \nSECTION 2.02 The Closing. The sale and purchase of the Receivables shall take place at a closing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX on the Closing Date, simultaneously with the closing under ( a ) the Sale and Servicing Agreement, ( b ) the Indenture, ( c ) the XXXXXXXX XXXX  Receivables Purchase Agreement and ( d ) the Trust Agreement XXXX XXXX and Wells Fargo has caused me intentional hard by their adverse action against me. I am experiencing emotional stress, XXXX humiliation, XXXX, loss of appetite, XXXX, mental anguish and embarrassment by denying me my rights to my consumer right to credit. If I am continued to be denied the open end retail installment credit contract from XXXX XXXX as an Investor and Person Deemed Owner and Holder of XXXX Certificates described in the INDENTURE between XXXX VEHICLE OWNER TRUST, as Issuer, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee Dated as of XX/XX/XXXX, I will have to pursue legal remedies to be compensated for the. XXXX XXXX filed using your Prospectus on XX/XX/XXXX, filed pursuant to Rule 433, with to show that XXXX XXXX XXXX has securitized my credit applications through its depositor, XXXX XXXX, as well as, a previous application and committed securities and FCPA fraud against me.","date_sent_to_company":"2024-01-19T14:26:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8131791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-09T23:49:25.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The CFPB also supervises certain depository institutions and non-depository institutions offering <em>financial</em> products and services to consumers, including <em>automobile</em> loans and <em>leases</em>. XXXXXXXX XXXX and XXXXXXXX XXXX are subject to regulation by the CFPB and XXXXXXXX XXXX is also subject to the CFPBs investigation and enforcement authority."]},"sort":[13.378398,"8131791"]},{"_index":"complaint-public-v1","_id":"8131790","_score":13.376815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be advised that on XXXX XXXX XXXX, I am writing to dispute the adverse action taken against me based upon the credit application I extended to XXXX XXXX XXXX ( Application # XXXX ) given in good faith as a consumer credit application in the form of a book entry that was received on the record with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in accordance with the ( FCRA ). In review of your XXXX XXXX XXXX dated XX/XX/XXXX my application was received as a book-entry account documented as a XXXX XXXX Certificate Receivable as defined in your XXXX XXXX XXXX XXXX filed with the Securities Exchange Commission ( Commission ) , I have a right to request an investigation into the accuracy of the negative information reported by your agency. Be advised that it is a federal crime of identity theft 18 USC 102A to share my personal identifying information with your underwriter Wells Fargo without my knowledge and consent. XXXX XXXX as a Holder of my personal information used my personal information to create and record a book-entry receivable on the record with the Commission without my knowledge and consent. Further, under 15 USC 1681, it is a violation to use my credit report as a means of denying me credit is an adverse action when using Wells Fargo as an affiliate underwriter to determine my credit worthiness is deceptive and unfair business practices. \n\nXXXX XXXX without my knowledge or consent received my application online without any disclosures that my application would be assigned to XXXX XXXX and received on the record as a Certificate and Receivable and being used as a part of a pool book-entry asset backed securities on behalf of XXXX XXXX to present to Investors to raise capital on behalf of the XXXX XXXX using Wells Fargo as the underwriter. This means that Wells Fargo Bank and XXXX XXXX have denied me my extension of my credit never disclosing to me that I was entering into a securitization process with multiple affiliates in violation of my privacy rights in accordance with the Privacy Act of 1974 and violations of 15 USC 1642, 15 USC 1681m. and 12 CFR 1002, the Equal Credit Opportunity act. Also, I have attached a copy of the Receivables Purchase Agreement which outlines the application process and how the applications are securitized for the purpose of filing a CFPB complaint in order to have this transaction investigated. \n\nFurther, this is a violation of my consumer rights under 15 USC 1642, to use adverse actions and unfair deceptive and abusive practices such as credit denial in the process of interstate commerce according to the Federal Trade Commission and FINRA, as well as Dodd-Frank Act. Further, according to the Dodd-Frank Act, is an adverse action taken by XXXX XXXX and Wells Fargo by sharing my personal data with its affiliate underwriter Wells Fargo and together both agencies using adverse actions against me to deny me an extension of credit also in violation of the Privacy Act of 1974, 15USC 1681 and the Equal Credit Opportunity Act. XXXX XXXX engaged in a securities transaction documented through the Securities and Exchange Commission without my knowledge and consent. For XXXX XXXX to deny me my extension of credit in this transition constitutes a breach of Custodian and Fiduciary responsibility under the Indenture Trustee Act of 1939, as well as securities fraud under the Securities and Exchange Act of 1933. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acting as custodian and fiduciary under the Patriot Act and 12 CFR Appendix A to Part 1002. XXXX XXXX took my application as a Receivable and sold it to XXXX XXXXXXXX XXXX without my knowledge and consent. I am prepared to file in the proper legal venue all documents necessary to show how XXXX XXXX XXXX XXXX and XXXX XXXX have failed in me in a consumer transaction as an Investor according to their XXXXXXXX XXXX dated XX/XX/XXXX. XXXX XXXX has filed a Prospectus with the Securities and Exchange Commission dated XX/XX/XXXX and filed on the record with the Securities and Exchange Commission which details how my credit application was securitized through XXXX XXXX and XXXX XXXX XXXX XXXXXXXX and XXXX XXXX is choosing to deny me an extension of credit that I am rightfully entitled as an Investor and Holder of Receivables with XXXX XXXX XXXX by submitting an application with the XXXX XXXX XXXX \n\nMy proof of this record is the XXXXXXXX XXXX, the XXXX RECEIVABLES PURCHASE AGREEMENT, The XXXX XXXX XXXX XXXX UNDERWRITING AGREEMENT, between XXXX XXXX and XXXX XXXX dated XX/XX/XXXX, attached for reference to show that XXXX XXXX is well aware of its obligation to investors and consumers as it states in its Prospectus : Consumer Financial Protection Bureau ( CFPB ), which was created by the Dodd-Frank Act, is responsible for implementing and enforcing various federal consumer protection laws. The CFPB also supervises certain depository institutions and non-depository institutions offering financial products and services to consumers, including automobile loans and leases. XXXXXXXX XXXX  and XXXXXXXX XXXX are subject to regulation by the CFPB and XXXX XXXX is also subject to the CFPBs investigation and enforcement authority. The CFPB has issued public guidance regarding compliance with the fair lending requirements of the Equal Credit Opportunity Act, and its implementing regulation, for automobile lenders that permit automobile dealers to charge the consumer an interest rate that is higher than the rate the lender provides the dealer for a consumer. This increased rate is typically called a dealer markup. The CFPB has been conducting fair lending examinations and investigations of automobile lenders and their dealer markup and compensation policies. In addition, we understand that the CFPB has also conducted investigations concerning certain other automobile lending practices, including the sale of extended warranties, credit insurance and other add-on products. If any of these practices were found to violate applicable laws, XXXX XXXX or XXXXXXXX XXXX could be obligated to repurchase from the Issuing Entity any related Receivable that fails to comply with law, if the violation has a material and adverse effect on the interests of the Issuing Entity or the Noteholders in the related Receivable and such violation is not timely cured. In addition, XXXX XXXX, XXXX XXXX  the Depositor or the Issuing Entity could also possibly be subject to claims by the obligors on those contracts, and any relief granted by a court could potentially adversely affect the Issuing Entity. \n\nIt is a violation of Rule 200 under the Securities Exchange Act 17 CFR 200 to deny me an extension of credit as an investor in XXXX XXXX XXXX pursuant to your Prospectus, the XXXX XXXX and XXXX XXXX Purchase Agreement and your Annual XXXX filing and 15 USC 1681 and 17 CFR Part 9. Moreover, under Rule 14a-12, filed under the Securities and Exchange Act 17 CFR 201.31, XXXX XXXX agrees to be ethically bound to not commit language fraud even in the application solicitations, as well as, state all parties involved when committing an adverse action against me as an investor as stated in your Form 10-K by providing proper disclosures to all investors. I was not provided with any of the disclosures involved in why XXXX XXXX took adverse action against me. XXXX XXXX further agrees that pursuant to the Securities Exchange Act of 1933, to be ethically bound to the language and performance of all of XXXX XXXX public offerings, filings and commitments made to investors. Further, per your XXXX annual filing, your retail installment credit application and consumer products are at the top of your highest grossing tier of revenue for XXXX XXXX which means that any investment that includes my application and promissory note is a part of your highest grossing revenue. \n\nAs an investor a part of multi-denomination global securities as defined in under the RECEIVABLES PURCHASE AGREEMENT between XXXX XXXX XXXX XXXX XXXX, as Seller, and XXXX XXXX XXXX XXXX, as Depositor Dated as of XX/XX/XXXX under SECTION 2.01 Conveyance of Receivables ( a ) In consideration of the Depositors delivery to or upon the order of the Seller on the Closing Date of {>= $1,000,000} and a Certificate representing a Certificate Percentage Interest equal to XXXX XXXX, representing a total purchase price of {>= $1,000,000} ( collectively, the Purchase Price ), the Seller does hereby sell, transfer, assign, set over and otherwise convey to the Depositor, without recourse ( subject to the obligations of the Seller herein ) all right, title, and interest of the Seller in and to the following assets and property whether now owned or existing or hereafter acquired or arising : ( i ) the Receivables and all moneys received thereon after the close of business on XX/XX/XXXX ; ( ii ) the security interests in the Financed Vehicles and any accessions thereto granted by Obligors pursuant to the Receivables and any other interest of the Seller in such Financed Vehicles ; ( iii ) any Liquidation Proceeds and Recoveries and any other proceeds with respect to the Receivables from claims on any theft, physical damage, credit life or disability insurance policies covering Financed Vehicles or Obligors, including any vendors single interest or other collateral protection insurance policy ; ( iv ) any property that shall have secured a Receivable and that shall have been acquired by or on behalf of the Seller ; ( v ) all documents and other items contained in the Receivable Files ; ( vi ) all proceeds from any Receivable repurchased by a Dealer pursuant to a Dealer Agreement; and ( vii ) the proceeds of any and all of the foregoing ( collectively, with the assets listed in clauses ( i ) through ( vi ) above, the Conveyed Assets ). \n( b ) For all non-tax purposes, the Seller and the Depositor intend that the transfer of assets by the qSeller to the Depositor pursuant to this Agreement be a sale of the ownership interest in such assets to the Depositor, rather than the mere granting of a security interest to secure a borrowing. In the event, however, that such transfer is deemed not to be a sale but to be a grant of a mere security interest to secure a borrowing, the Seller shall be deemed to have hereby granted, and does hereby grant, to the Depositor a first priority security interest in all right, title and interest of the Seller in and to the Conveyed Assets, whether now owned or existing or hereafter acquired or arising, and all accounts, money, chattel paper, securities, instruments, documents, deposit accounts, certificates of deposit, letters of credit, advices of credit, bankers acceptances, uncertificated securities, general intangibles, contract rights, goods and other property consisting of, arising from or relating to such Conveyed Assets, which security interest shall be perfected, to secure a debt in the amount equal to the Purchase Price ( less payments of principal previously received in respect of the Receivables ) plus interest at a rate equal to the weighted average of the interest rates payable on the Receivables. Pursuant to the Sale and Servicing Agreement and Section 6.04 hereof, the Depositor may sell, transfer and assign to the Issuer ( i ) all or any portion of the assets assigned to the Depositor hereunder, ( ii ) all or any portion of the Depositors rights against the Seller under this Agreement and ( iii ) all proceeds thereof. Such assignment may be made by the Depositor with or without an assignment by the Depositor of its rights under this Agreement, and without further notice to or acknowledgement from the Seller. The Seller waives, to the extent permitted under applicable law, all claims, causes of action and remedies, whether legal or equitable ( including any right of setoff ), against the Depositor or any assignee of the Depositor relating to such action by the Depositor in connection with the transactions contemplated by the Sale and Servicing Agreement. Because ( i ) the Depositor intends to convey all of its right, title and interest in and to the Receivables to the Issuer pursuant to the Sale and Servicing Agreement, ( ii ) the Issuer intends to pledge all of its right, title and interest in and to the Receivables to the Indenture Trustee pursuant to the Indenture, ( iii ) the Seller intends that the transfer of Receivables pursuant to this Agreement be a sale of the ownership interest in such Receivables to the Depositor, and ( iv ) the parties intend that the Indenture Trustee have a direct security interest in the Receivables, if the transfer of the Receivables pursuant to this Agreement is deemed to be a grant of a security interest to secure a borrowing, the foregoing grant by the Seller of a security interest in the Receivables to secure a debt in the amount of the debt described above shall be deemed to be, and the Seller hereby grants, a direct security interest in the Receivables to the Indenture Trustee for the benefit of the Noteholders to secure the debt described above. \nSECTION 2.02 The Closing. The sale and purchase of the Receivables shall take place at a closing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX on the Closing Date, simultaneously with the closing under ( a ) the Sale and Servicing Agreement, ( b ) the Indenture, ( c ) the XXXXXXXX XXXX XXXX Purchase Agreement and ( d ) the Trust Agreement XXXX XXXX and Wells Fargo has caused me intentional hard by their adverse action against me. I am experiencing emotional stress, XXXX humiliation, XXXX, loss of appetite, XXXX, mental anguish and embarrassment by denying me my rights to my consumer right to credit. If I am continued to be denied the open end retail installment credit contract from XXXX XXXX as an Investor and Person Deemed Owner and Holder of XXXX Certificates described in the INDENTURE between XXXX VEHICLE OWNER TRUST, as Issuer, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee Dated as of XX/XX/XXXX, I will have to pursue legal remedies to be compensated for the. XXXX XXXX filed using your Prospectus on XX/XX/XXXX, filed pursuant to Rule 433, with to show that XXXX XXXX XXXX has securitized my credit applications through its depositor, XXXX XXXX, as well as, a previous application and committed securities and FCPA fraud against me.","date_sent_to_company":"2024-01-19T14:25:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8131790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-09T23:49:25.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The CFPB also supervises certain depository institutions and non-depository institutions offering <em>financial</em> products and services to consumers, including <em>automobile</em> loans and <em>leases</em>. XXXXXXXX XXXX  and XXXXXXXX XXXX are subject to regulation by the CFPB and XXXX XXXX is also subject to the CFPBs investigation and enforcement authority."]},"sort":[13.376815,"8131790"]},{"_index":"complaint-public-v1","_id":"11326875","_score":11.522898,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MISSOURI POWER OF ATTORNEY REVOCATION Use of this form is for the power of attorney of : - XXXX XXXX XXXX XXXX  related to ss # XXXX - XXXX XXXX- For Account portions covering decisions of the document titled UNSECURED LOAN, that I allegedly executed on the XXXX of XX/XX/XXXX, which resulted in the appointment of XXXX XXXX as my agent and as my alternate successor agent. I hereby notify said agent ( s ) and any other interested persons and institutions that all portions of said documents are revoked.\n\nl. POWERS BEING REVOKED These are the powers to act on my behalf that have been REVOKED from XXXX XXXX XXXX XXXX  shall NOT have the power to act on my behalf in the following ways. \nI. No Power to Make Payments or Collect Monies Owed. \n\nXXXX XXXX in fact has no power to make any payments on any accounts I may owe and to hold, collect and request any sums that may be due, owing or payable to me or in which I may hereinafter acquire an interest, in whatever form, whether liquidated or unliquidated, to have, use, and take all lawful means in my name for the collection and recovery thereof, and to adjust, sell, compromise, and agree for the same and to execute and deliver for me, on my behalf, and in my name, all endorsements, releases, receipts, or other suffcient discharges for the same.\n\n2. No Power to Acquire, Lease and Sell Personal Property. \n\nXXXX XXXX in fact has no power to acquire, purchase, exchange, I lease, grant options to sell, and sell and personal property, or any interests therein, on such terms and conditions, including credit arrangements ; XXXX XXXX infact has no power to execute, acknowledge or deliver, under seal or otherwise, any and all assignments, transfers, titles, papers, documents or instruments in connection therewith. \nXXXX XXXX has no power to purchase, sell or otherwise dispose of, assign, transfer or convey shares of stock, bonds, securities and other personal property now or hereafter belonging to me, whether standing in my name or otherwise, and wherever situ ated. \nXXXX. No Power to Acquire, Lease and Sell Real Property. \nXXXX XXXX in fact has no power to acquire, purchase, exchange, lease, grant options to sell, sell or convey real property, or any interests therein, on such terms and conditions, including credit arrangements of any type. XXXX XXXX infact has no power to execute, acknowledge and deliver, under seal or otherwise, any and all assignments, transfers, deeds, papers, documents or instruments in connection with. \n4. No Management Powers. XXXX XXXX has no power to maintain, repair, improve, invest, manage, insure, rent, lease, encumber, and in any manner deal with any real or personal property, tangible or intangible, or any interests therein, that I now own or may hereafter acquire, in my name and for my benefit, upon such terms and conditions in connection with.\n\n5. No Banking Powers. XXXX XXXX in fact has no power to open and close accounts, make, receive, and endorse checks and drafts, deposit and withdraw funds, acquire and redeem certificates of deposit, in banks, savings and loan associations, and other institutions, execute or release such deeds of trust or other security agreements as may be necessary or proper in the exercise of the rights and powers herein granted.\n\n6. No Motor Vehicles. XXXX XXXX has no power to apply for a 2 Certificate of Title upon, or endorse and transfer title thereto, for any automobile, truck, pickup truck, van, motorcycle, or other motor vehicle, or to represent in such transfer or assignment that the title to said motor vehicle is free and clear of all liens and encumbrances except those specifically set forth in such transfer or assignment.\n\n7. No Tax Powers. XXXX XXXX  in fact has no power to act without imitation on my behalf with regard to federal income taxes ( Forms 1040, 1040EZ, 1040X, etc. ), state and local income taxes, estate, gift ( Form 709 ) or other tax returns of all sorts, whether federal or state and local, including where appropriate joint returns, FICA returns, payroll tax returns, claims for refunds, requests for extensions of time to file returns or pay taxes, extensions and waivers of applicable periods of limitation, protests and petitions to administrative agencies or courts, including the tax court, regarding tax matters, and any and all other tax related documents, including but not limited to consents and agreements under Section 2032A of the Internal Revenue Code or any successor section thereto and consents to split gifts and closing agreements, for all tax periods from XXXX through XXXX, and for all jurisdictions ; to complete Internal Revenue Service Form 2848, Power of Attorney and Declaration of Representative ( or other prescribed form ) on my behalf as well as to perform all other functions contemplated by that form whether they are required or merely permissible ; to consent to any gift and to utilize any gift-splitting provisions or other tax election ; or to prepare, sign, and file any claims for refund of any tax ; to post bonds, receive confidential information or contest deficiencies determined by the Internal Revenue Service or any state or local taxing authority : to exercise any and all elections that I may have under federal, state or local tax laws including without limitation the allocation of any generationskipping tax exemption to which I may be entitled ; to the extent that I may have omitted some power or discretion, some tax period, some form or some jurisdiction, I hereby REVOKE from XXXX XXXX powers to amend the Internal XXXX Revenue Service form power of attorney ( presently Form XXXX or Form XXXX ) in my name. \n8. No Safe-Deposit Boxes. XXXX XXXX has no power to open or have access at any time or times to any safe-deposit box rented by me or to which I may have access, where so ever located, including drilling, if necessary, and to remove all or any part of the contents thereof, and to surrender or relinquish said safe-deposit box ; and any institution in which any such safe-deposit box may be located shall not incur any liability to me or my estate as a result of XXXX XXXX attempts to exercise this power. \n9. No Gift Making Powers. XXXX XXXX has no power to make gifts, grants, or other transfers including the forgiveness of indebtedness and the completion of any charitable pledges I may have made without consideration, either outright or in trust to such person ( s ) ( XXXX XXXX ) or organization trying to act as my attorney in fact shall not have to power to, including, without limitation, the following actions : ( a ) transfer by gift in advancement of a bequest or devise to beneficiaries under my will or in the absence of a will to my spouse and descendants in whatever degree ; ( b ) or release of any life interest, or waiver, renunciation, disclaimer, or declination of any gift to me by will, deed, or trust. \n10.No Lending and No Borrowing. XXXX XXXX has no power to make loans by my name ; to borrow money in my name, individually or jointly with others. \nXXXX XXXX in fact has no power to give promissory notes or other obligations therefor ; or to deposit or mortgage as collateral or for security for the payment thereof any or all of my securities, real estate, personal property, or other property of whatever nature and wherever situated, held by me personally or in trust for my benefit. \n11. No Contracts. XXXX XXXX has no power to enter into any contracts of whatever nature or kind in my name. \n12. No Health Care. XXXX XXXX has no power to take any steps Page 4 of 6 necessary to arrange for my admission to any type of health care facility, including, without limitation, a hospital, rehabilitation facility, skilled nursing facility, or hospice, or to authorize the release of my medical records ever.\n\n13. HIPAAXXXX XXXX XXXX has no power or authority as my personal representative for all purposes of the Health Insurance Portability and Accountability Act XXXX ( XXXX XXXX XXXX. XXXX ). \n14. No Power to Hire or Pay for Services. XXXX XXXX has no power to retain such accountants, attorneys, social workers, consultants, clerks, employees, workers, or other people in connection with the management of my property and affairs and to make payments from my assets for the fees of such people so employed. \n15. No Reimbursement. XXXX XXXX has no power to reimburse anyone for any reasonable expenses incurred in connection with such services ; and 16. No Power to Sue Third Parties Who Fail to Act Pursuant to Power of Attorney. If any third patty ( including stock transfer agents, title insurance companies, banks, credit unions, and savings and loan associations ) with whom XXXX XXXX may try and seeks to transact with refuses to recognize XXXX XXXX as my attorney-in fact who has no authority to act on my behalf pursuant to this Power of Attorney, XXXX XXXX has no power to sue or recover from such third party all resulting damages, costs, expenses incurred because of such failure to act. The costs, expenses, and attorney fees incurred in bringing such an action shall be charged to XXXX XXXX. \n17. Other No Powers to conduct the following. XXXX XXXX has no power, authority or authorization to report any information tied to account o nyone ever to include all credit reporting agencies like XXXX, XXXX XXXX, XXXX, XXXX or any secondary credit reporting agencies like XXXX XXXX Page 5 of 6 This instrument is to be construed and interpreted as a revocation power of attorney. The enumeration of specific powers herein is not intended to, nor does it, limit or restrict the general powers revoked and not granted to XXXX XXXX. \nThis instrument is executed and delivered in the State of Missouri and the laws of such state shall govern all questions as to the validity of this power and the construction of its provisions. Nevertheless, I intend that this instrument be given full force and effect in any and all XXXX states or countries in which I may find myself, where I may own property, whether real or personal. I revoke any bond required to give bond and it any bond was required from REPRISE FINANCIAL. This revocation takes effect immediately. A photocopy has the same effect as an original. This revocation was signed the XXXXXXXX XXXX XXXX XXXX XXXXXXXX. \nSignature of Principa Print Name NOTARY ACKNOWLEDGMENT [ XXXX XXXX XXXX XXXX XXXX XXXX ] The foregoing instrument was acknowledged before me by means of C physical presence oryonline notarization, on this day XXXX, of this ( month ), XXXX, of this ( year ) XXXX, Produced Identification : XXXX XXXXXXXX. Type of Identification Produced : MO XXXX. \nAcknowledged by ( Type/Write Name of Notary Public ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ( Signature of Notary Public ) Page 6 of 6","date_sent_to_company":"2024-12-30T18:42:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"644XX","tags":null,"has_narrative":true,"complaint_id":"11326875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-12-30T18:42:31.000Z","state":"MO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX in fact has no power to give promissory notes or other obligations therefor ; or to deposit or mortgage as collateral or for <em>security</em> for the payment thereof any or all of my <em>securities</em>, real estate, personal property, or other property of whatever nature and wherever situated, held by me personally or in <em>trust</em> for my benefit. \n11. No Contracts. XXXX XXXX has no power to enter into any contracts of whatever nature or kind in my name. \n12. No Health Care."]},"sort":[11.522898,"11326875"]},{"_index":"complaint-public-v1","_id":"11326877","_score":11.502469,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MISSOURI POWER OF ATTORNEY REVOCATION Use of this form is for the power of attorney of : - XXXX XXXX XXXX XXXX related to ss # XXXX - XXXX XXXX For Account portions covering decisions of the document titled UNSECURED LOAN, that I allegedly executed on the XXXX of XX/XX/XXXX, which resulted in the appointment of XXXX XXXX as my agent and as my alternate successor agent. I hereby notify said agent ( s ) and any other interested persons and institutions that all portions of said documents are revoked. \nl. POWERS BEING REVOKED These are the powers to act on my behalf that have been REVOKED from XXXX XXXX XXXX XXXX  shall NOT have the power to act on my behalf in the following ways. \nI. No Power to Make Payments or Collect Monies Owed. \n\nXXXX XXXX in fact has no power to make any payments on any accounts I may owe and to hold, collect and request any sums that may be due, owing or payable to me or in which I may hereinafter acquire an interest, in whatever form, whether liquidated or unliquidated, to have, use, and take all lawful means in my name for the collection and recovery thereof, and to adjust, sell, compromise, and agree for the same and to execute and deliver for me, on my behalf, and in my name, all endorsements, releases, receipts, or other suffcient discharges for the same. \n2. No Power to Acquire, Lease and Sell Personal Property. \n\nXXXX XXXX in fact has no power to acquire, purchase, exchange, I lease, grant options to sell, and sell and personal property, or any interests therein, on such terms and conditions, including credit arrangements ; XXXX XXXX infact has no power to execute, acknowledge or deliver, under seal or otherwise, any and all assignments, transfers, titles, papers, documents or instruments in connection therewith. \nXXXX XXXX has no power to purchase, sell or otherwise dispose of, assign, transfer or convey shares of stock, bonds, securities and other personal property now or hereafter belonging to me, whether standing in my name or otherwise, and wherever situ ated. \n3. No Power to Acquire, Lease and Sell Real Property. \nXXXX XXXX in fact has no power to acquire, purchase, exchange, lease, grant options to sell, sell or convey real property, or any interests therein, on such terms and conditions, including credit arrangements of any type. XXXX XXXX infact has no power to execute, acknowledge and deliver, under seal or otherwise, any and all assignments, transfers, deeds, papers, documents or instruments in connection with. \n4. No Management Powers. XXXX XXXX has no power to maintain, repair, improve, invest, manage, insure, rent, lease, encumber, and in any manner deal with any real or personal property, tangible or intangible, or any interests therein, that I now own or may hereafter acquire, in my name and for my benefit, upon such terms and conditions in connection with. \n5. No Banking Powers. XXXX XXXX in fact has no power to open and close accounts, make, receive, and endorse checks and drafts, deposit and withdraw funds, acquire and redeem certificates of deposit, in banks, savings and loan associations, and other institutions, execute or release such deeds of trust or other security agreements as may be necessary or proper in the exercise of the rights and powers herein granted. \n6. No Motor Vehicles. XXXX XXXX has no power to apply for a 2 Certificate of Title upon, or endorse and transfer title thereto, for any automobile, truck, pickup truck, van, motorcycle, or other motor vehicle, or to represent in such transfer or assignment that the title to said motor vehicle is free and clear of all liens and encumbrances except those specifically set forth in such transfer or assignment. \n7. No Tax Powers. XXXX XXXX  in fact has no power to act without imitation on my behalf with regard to federal income taxes ( Forms 1040, 1040EZ, 1040X, etc. ), state and local income taxes, estate, gift ( Form 709 ) or other tax returns of all sorts, whether federal or state and local, including where appropriate joint returns, FICA returns, payroll tax returns, claims for refunds, requests for extensions of time to file returns or pay taxes, extensions and waivers of applicable periods of limitation, protests and petitions to administrative agencies or courts, including the tax court, regarding tax matters, and any and all other tax related documents, including but not limited to consents and agreements under Section 2032A of the Internal Revenue Code or any successor section thereto and consents to split gifts and closing agreements, for all tax periods from 2024 through 2100, and for all jurisdictions ; to complete Internal Revenue Service Form 2848, Power of Attorney and Declaration of Representative ( or other prescribed form ) on my behalf as well as to perform all other functions contemplated by that form whether they are required or merely permissible ; to consent to any gift and to utilize any gift-splitting provisions or other tax election ; or to prepare, sign, and file any claims for refund of any tax ; to post bonds, receive confidential information or contest deficiencies determined by the Internal Revenue Service or any state or local taxing authority : to exercise any and all elections that I may have under federal, state or local tax laws including without limitation the allocation of any generationskipping tax exemption to which I may be entitled ; to the extent that I may have omitted some power or discretion, some tax period, some form or some jurisdiction, I hereby REVOKE from XXXX XXXX  powers to amend the Internal XXXX Revenue Service form power of attorney ( presently Form 2848 or Form 2848-D ) in my name.\n\n8. No Safe-Deposit Boxes. XXXX XXXX  has no power to open or have access at any time or times to any safe-deposit box rented by me or to which I may have access, where so ever located, including drilling, if necessary, and to remove all or any part of the contents thereof, and to surrender or relinquish said safe-deposit box ; and any institution in which any such safe-deposit box may be located shall not incur any liability to me or my estate as a result of XXXX XXXX  attempts to exercise this power. \n9. No Gift Making Powers. XXXX XXXX has no power to make gifts, grants, or other transfers including the forgiveness of indebtedness and the completion of any charitable pledges I may have made without consideration, either outright or in trust to such person ( s ) ( XXXX XXXX ) or organization trying to act as my attorney in fact shall not have to power to, including, without limitation, the following actions : ( a ) transfer by gift in advancement of a bequest or devise to beneficiaries under my will or in the absence of a will to my spouse and descendants in whatever degree ; ( b ) or release of any life interest, or waiver, renunciation, disclaimer, or declination of any gift to me by will, deed, or trust. \n10.No Lending and No Borrowing. XXXX XXXX has no power to make loans by my name ; to borrow money in my name, individually or jointly with others. \nXXXX XXXX in fact has no power to give promissory notes or other obligations therefor ; or to deposit or mortgage as collateral or for security for the payment thereof any or all of my securities, real estate, personal property, or other property of whatever nature and wherever situated, held by me personally or in trust for my benefit. \n11. No Contracts. XXXX XXXX has no power to enter into any contracts of whatever nature or kind in my name. \n12. No Health Care. XXXX XXXX has no power to take any steps XXXX XXXX of XXXX necessary to arrange for my admission to any type of health care facility, including, without limitation, a hospital, rehabilitation facility, skilled nursing facility, or hospice, or to authorize the release of my medical records ever. \n13. HIPAA. XXXX XXXX has no power or authority as my personal representative for all purposes of the Health Insurance Portability and Accountability Act 1996 ( Pub. L. No. 104-191 ).\n\n14. No Power to Hire or Pay for Services. XXXX XXXX has no power to retain such accountants, attorneys, social workers, consultants, clerks, employees, workers, or other people in connection with the management of my property and affairs and to make payments from my assets for the fees of such people so employed. \n15. No Reimbursement. XXXX XXXX has no power to reimburse anyone for any reasonable expenses incurred in connection with such services ; and 16. No Power to Sue Third Parties Who Fail to Act Pursuant to Power of Attorney. If any third patty ( including stock transfer agents, title insurance companies, banks, credit unions, and savings and loan associations ) with whom XXXX XXXX  may try and seeks to transact with refuses to recognize XXXX XXXX  as my attorney-in fact who has no authority to act on my behalf pursuant to this Power of Attorney, XXXX XXXX has no power to sue or recover from such third party all resulting damages, costs, expenses incurred because of such failure to act. The costs, expenses, and attorney fees incurred in bringing such an action shall be charged to XXXX XXXX. \n17. Other No Powers to conduct the following. REPRISE FINANCIAL has no power, authority or authorization to report any information tied to account o nyone ever to include all credit reporting agencies like XXXX, XXXX XXXX, XXXX, XXXX or any secondary credit reporting agencies like XXXX XXXX Page 5 of 6 This instrument is to be construed and interpreted as a revocation power of attorney. The enumeration of specific powers herein is not intended to, nor does it, limit or restrict the general powers revoked and not granted to XXXX XXXX. \nThis instrument is executed and delivered in the State of Missouri and the laws of such state shall govern all questions as to the validity of this power and the construction of its provisions. Nevertheless, I intend that this instrument be given full force and effect in any and all 50 states or countries in which I may find myself, where I may own property, whether real or personal. I revoke any bond required to give bond and it any bond was required from XXXX XXXX. This revocation takes effect immediately. A photocopy has the same effect as an original. This revocation was signed the XXXX of XXXX XXXX XXXX. \nSignature of Principa Print Name NOTARY ACKNOWLEDGMENT [ State of Florida XXXX XXXX XXXXXXXX ] The foregoing instrument was acknowledged before me by means of C physical presence oryonline notarization, on this day XXXX, of this ( month ), XXXX, of this ( year ) XXXX, Produced Identification : XXXX  XXXX. Type of Identification Produced : MO XXXX. \nAcknowledged by ( Type/Write Name of Notary Public ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ( Signature of Notary Public ) Page 6 of 6","date_sent_to_company":"2024-12-30T18:42:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"644XX","tags":null,"has_narrative":true,"complaint_id":"11326877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-30T18:42:31.000Z","state":"MO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX in fact has no power to give promissory notes or other obligations therefor ; or to deposit or mortgage as collateral or for <em>security</em> for the payment thereof any or all of my <em>securities</em>, real estate, personal property, or other property of whatever nature and wherever situated, held by me personally or in <em>trust</em> for my benefit. \n11. No Contracts. XXXX XXXX has no power to enter into any contracts of whatever nature or kind in my name. \n12. No Health Care."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[11.502469,"11326877"]},{"_index":"complaint-public-v1","_id":"4743531","_score":11.169745,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I entered into fraudulent contract with CAPITAL ONE AUTO FINANCE. I went to purchase a vehicle for personal, family, and household purpose at XXXX XXXX XXXX XXXX XXXX XXXX. My credit was pulled ( 3 ) times by CAPITAL ONE AUTO FINANCE. I didn't consent for CAPITAL ONE AUTO FINANCE to pull my credit multiple times. I had already gotten a pre-approval from CAPITAL ONE AUTO FINANCE in the amount of {$63000.00} so my credit didn't need to be pulled multiple times. Going over the Retail Instalment Agreement I noticed that there was fraud on the contract. The contract stated the Finance Charge is {$10000.00} which according to Truth In Lending Act the finance charge should cover the all fees. On the contract it states \" The dollar amount the credit will cost you. '' so with that being said the car was paid for and should be free of all liens. I XXXX  : XXXX the natural living woman is not obligated to make payments to CAPITAL ONE AUTO FINANCE because the vehicle is already paid for. CAPITAL ONE AUTO FINANCE never gave me notice that I had a right recession or a right to cancel. CAPITAL ONE AUTO FINANCE fraudulently created a contract to undermined the Consumer which would be me XXXX : XXXX the natural living woman. As soon as I found the contract to be fraud I sent CAPITAL ONE AUTO FINANCE a fomal letter of my Notice of Recession dated XX/XX/XXXX via Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX , which CAPITAL ONE AUTO FINANCE received XX/XX/XXXX. I have not heard anything from CAPITAL ONE AUTO FINANCE regarding my notice. I call CAPITAL ONE AUTO FINANCE on XX/XX/XXXX and spoke to ( 2 ) different customer service representivies ( ID numbers XXXX and XXXX ) and no one could tell me anything about the notice that I sent or my rights under the Federal Law. I told the representive ( badge number XXXX ) That I was not obigated to make any payments because the vehicle was paid for and she stated that I didnt have a right to recession. Purssant to the provisions of The Truth in Lending Act 15 U.S.C. Section 1635 I the Consumer indeed have the right to resind any transaction if there is a finance charge. CAPITAL ONE AUTO FINANCE has not sent me anything regarding my Notice of Right to Recession. \n15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. \n( b ) Terms of personal property leases The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable comparison of lease terms with credit terms where appropriate, and to assure meaningful and accurate disclosures of lease terms in advertisements. \n15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. \n( b ) Bureau. \nThe term Bureau means the Bureau of Consumer Financial Protection. \n( c ) The term Board refers to the Board of Governors of the Federal Reserve System. \n( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. \n( e ) The term person means a natural person or an organization. \n( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. \n( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. \n( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. \n( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. \n15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. \n( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. \n( c ) Rebuttable presumption of delivery of required disclosures Notwithstanding any rule of evidence, written acknowledgment of receipt of any disclosures required under this subchapter by a person to whom information, forms, and a statement is required to be given pursuant to this section does no more than create a rebuttable presumption of delivery thereof. \n( d ) Modification and waiver of rights The Bureau may, if it finds that such action is necessary in order to permit homeowners to meet bona fide personal financial emergencies, prescribe regulations authorizing the modification or waiver of any rights created under this section to the extent and under the circumstances set forth in those regulations. \n( e ) Exempted transactions ; reapplication of provisions This section does not apply to ( 1 ) a residential mortgage transaction as defined in section 1602 ( w ) [ 1 ] of this title ; ( 2 ) a transaction which constitutes a refinancing or consolidation ( with no new advances ) of the principal balance then due and any accrued and unpaid finance charges of an existing extension of credit by the same creditor secured by an interest in the same property ; ( 3 ) a transaction in which an agency of a State is the creditor; or ( 4 ) advances under a preexisting open end credit plan if a security interest has already been retained or acquired and such advances are in accordance with a previously established credit limit for such plan. \n( f ) Time limit for exercise of right An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, notwithstanding the fact that the information and forms required under this section or any other disclosures required under this part have not been delivered to the obligor, except that if ( 1 ) any agency empowered to enforce the provisions of this subchapter institutes a proceeding to enforce the provisions of this section within three years after the date of consummation of the transaction, ( 2 ) such agency finds a violation of this section, and ( 3 ) the obligors right to rescind is based in whole or in part on any matter involved in such proceeding, then the obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later. \n( g ) Additional relief In any action in which it is determined that a creditor has violated this section, in addition to rescission the court may award relief under section 1640 of this title for violations of this subchapter not relating to the right to rescind.","date_sent_to_company":"2021-09-30T17:31:23.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"77071","tags":null,"has_narrative":true,"complaint_id":"4743531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-09-22T19:48:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["( b ) Terms of personal property <em>leases</em> The Congress also finds that there has been a recent trend toward <em>leasing</em> <em>automobiles</em> and other durable goods for consumer use as an alternative to installment credit sales and that these <em>leases</em> have been offered without adequate cost disclosures."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[11.169745,"4743531"]},{"_index":"complaint-public-v1","_id":"4631944","_score":10.648539,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RESCISSION OF CONTRACT / DISSOLUTION OF ALL AGREEMENTS / REVOCATION OF POWER ( S ) OF ATTORNEY IMPLIED AND/OR EXPRESSED, REVOCATION OF ALL TRUSTS/CONTRACTS IMPLIED AND/OR EXPRESSED INCLUDING ALL INITIALS, MARKS, ETC ON ALL CONTRACTS FOR CAUSE 12 CFR 226.23 ALSO TILA 226.23 APP'X. \n\nCONSUMER DECLARATIONS UNDER PENALTY OF PERJURY - ACTUAL AND CONSTRUCTIVE NOTICE - SELF-EXECUTING RESCISSION OF ALL SIGNATURES, DISSOLUTION OF ALL AGREEMENTS, REVOCATION OF ALL POWER ( S ) OF ATTORNEY, & RECISSION OF ALL CONTRACTS ATTENTION : NOTICE TO ALL AGENTS/ OWNERS OF MERCEDES-BENZ FINANCIAL SERVICES : XXXX XXXX XXXX XXXX-XXXX-AGENT, XXXX XXXXPRESIDENT XXXX XXXX XXXXVP XXXX MERCEDES-BENZ FINANCIAL SERVICES AND/OR ANY SUBSIDIARIES THEREOF I, XXXX XXXX XXXX XXXX XXXX XXXX the consumer/grantor, a living soul on the land until proven otherwise, do hereby rescind for cause my signature on all [ contracts ] instruments along with any and all power ( s ) of attorney for failure to disclose risks, perils, responsibilities, and for FRAUD committed by the seller MERCEDES-BENZ OF BURLINGTON against the consumer/grantor, as well as non-disclosure of material facts including but not limited to the fact that the PRINCIPAL, XXXX XXXX XXXX XXXX [ a legal fiction ] by and through the undersigned 's signature, extended the credit used to obtain the XXXX XXXX XXXX VIN # XXXX from the seller MERCEDES-BENZ OF BURLINGTON located at XXXX XXXX XXXX XXXX XXXX MA XXXX County XXXX Massachusetts.However XXXX XXXX XXXX XXXX themselves as both the creditor and seller. It was never disclosed to me that as the consumer/ grantor, the undersigned is in fact the true creditor per 15 USC 1692a ( 4 ). I, XXXX XXXX, XXXX XXXX the consumer/grantor for Principal XXXX XXXX XXXX XXXX [ legal fiction ] was also led to believe that XXXX XXXX XXXX was lending money to me for the lease of the XXXX XXXX XXXX VIN # XXXX which is to be paid over a period of 48 months in the amount of {$570.00} per month ; as stated in their written communication on the instrument/agreement. This is a violation of 15 USC 1692e ( a ) As well as the following : PUBLIC POLICY 73d CONGRESS. SESS. I. CHS. 48, 49. XX/XX/XXXX, XXXX, XXXX. Resolved by the Senate and House of Representatives of the Clauses in requiring gold, United States of America in Congress assembled, That every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public obligation policy ; and no such provision shall be \" \" `contained in or made with respect to any obligation hereafter incurred. Every obligation, to be made heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.\n\nVIOLATION OF FDCPA AND TILA MERCEDES-BENZ OF BURLINGTONs agents are also found in violation of Fair Debt Collection Practices Act for their failure to provide 2 copies of my rights of rescission ( 15 USC 1635 ) along with several other blatant omissions of material facts throughout the entire consumer transaction. This resulted in the subsequent fraudulent pilferage/obtainage of all my signatures executed in my natural and grantor capacities. It was also never disclosed to me that per the Truth in Lending Act, I as the consumer had the ability/option to settle the debt on behalf of the Principal/Obligor XXXX XXXX XXXX XXXX XXXX a legal fiction ] l at the time of the credit sale by way of the finance charge which is the cost of the consumers credit per CFR 12 226.4.\n\nVIOLATION OF 16 CFR 444.3 - UNFAIR OR DECEPTIVE COSIGNER PRACTICES The finance manager for Mercedes-benz of burlington, provided the consumer with paperwork which listed Mercedes-benz of burlingtonas seller and creditor. Your agents drew up paperwork which used deceptive language in the consumer credit application to obtain financing from MERCEDES-BENZ FINANCIAL SERVICES but no such finance was ever obtained by me as the creditor and original party to this transaction. I was then led to believe that I was the borrower when in fact I as the creditor per 15 USC 1692 ( a ) acted as cosigner for the financing received by the dealership. Furthermore, MERCEDES-BENZ OF BURLINGTONs agents did not disclose that upon I, the consumer providing the social security number ( credit card ) per the Truth in Lending Act 15 USC 1601 ( I ) the transaction was subject to 18 USC 8. Also the cardholder ( XXXX XXXX, XXXX XXXX XXXX also known as the consumer who is the ORIGINAL CREDITOR in the consumer credit transaction was not told that credit would be used by the dealership and the financial institution MERCEDES-BENZ FINANCIAL SERVICES to obtain funding from the federal reserve bank per ( 12 USC 1431 ) in the consumer 's name, and returned as a loan which constitutes identity theft. Nothing of value was paid, no consideration from dealership MERCEDES-BENZ OF BURLINGTON or its agents was provided to XXXX XXXX, XXXX XXXX : consumer on behalf of the Principal XXXX XXXX XXXX XXXX [ legal fiction ] Further Violations under Massachusetts Statutory Law XXXX XXXX finance manager for the seller MERCEDES-BENZ OF BURLINGTON, stated that Power of Attorney must be granted to MERCEDES-BENZ OF BURLINGTON in order to register my household good ( s ) with the STATE OF MASSACHUSETTS on my behalf for the purpose of license plates and DMV tags verifying registration of my private automobile.This is a direct violation of Massachusettes Statutory law which states the following : Since a sale of personal property is not required to be evidenced by any written instrument in order to be valid, it has been held in Massachusetts that there may be a transfer of title to an automobile without complying with the registration statute which requires a transfer and delivery of a certificate of title. N.C. Law Review Vol. 32 page 545, Carolina Discount Corp. v. Landis Motor Co., 190 N.C. 157. The following shall be exempt from the requirements of registration and the certificate of title : 1. ) Any such vehicle driven or moved upon the highway in conformance with the provisions of this Article relating to manufacturers, dealers, or nonresidents. 2. ) Any such vehicle which is driven or moved upon a highway only for the purpose of crossing such highway from one property to another. XXXX ( 1 ) ( 2 ) ( comment : not driven or moved upon the highway for transporting persons or property for profit. ) ( Case note to North Carolina G.S. 12-3 Statutory Construction ). It also further solidifies the deception as I later learned that by signing POA under duress as I was pressured to do so by her and my sales agent XXXX, that I am giving up all rights to my property which is how they would later have authority to repossess my private property if I failed to pay the monthly gift to the dealership that they deceptively term a car note They also failed to inform me that upon receiving my signature on the application which is a promissory note that the automobile would be paid in full. Instead they receive the benefits by taking POA and make me liable for a loan I would never actually receive!\n\nViolation of The Sherman  ACT of 1890 and the Clayton ACT of XXXX Both Acts clearly prohibit and outlaw practices that are harmful to the consumer such as but not limited to, forcing the consumer into a monopoly. The STATE OF Massachusetts as confirmed by their D-U-N-S identification number XXXX is a private fictitious corporation operating as agent/agency under the UNITED STATES, a foreign entity based within the 10 mile radius of the District of Columbia. [ Acts of the Forty-first Congress, Section 34, Session III, chapters 61 and 62, ] MERCEDES-BENZ OF BURLINGTON has been found in violation of these acts by inducing me into fraudulently registering my household goods with the State, in which they too ( MERCEDES-BENZ OF BURLINGTON ) stand to profit from as outlined in the contract under fees. All these being evidence of a forced monopoly. \n\nRescission Of Agreement/Contract Revocation Of Powers Of Attorney Therefore, without exception, any and all agreements, documents, and contracts between XX/XX/XXXX through the date of this Actual and Constructive Notice through to the date of my natural death, issued to me or the Principal XXXX XXXX XXXX XXXX [ legal fiction ], in all matters are considered void for failure to disclose information and because such lack of disclosure could otherwise result in long term financial damages to me as the consumer and further subject me to involuntary servitude which is a direct violation Thirteenth Amendment ( Amendment XIII ) to the United States Constitution. Slavery and involuntary servitude. Slavery is forever prohibited. Involuntary servitude, except as a punishment for crime whereof the parties have been adjudged guilty, is forever prohibited.\n\nAll unconscionable contracts are subject to rescission under the common law as well Federal law as evidenced by 15 U.S. Code 1635 for failure to make the proper disclosures in order to constitute an acceptance. Where there is no meeting of the minds there is no contract as required by 226.23 ( b ) ( 1 ) regarding notice of right to rescind as set forth in re XXXX v. XXXX XXXX XXXX, 281 B.R. 101, ( XXXX  ) ; XXXX. XXXX XXXX. The UCC addresses unconscionable in UCC 2-302. See UCC 2-106 I further cancel and revoke any and all Powers of Attorneys ( POA ), granted to MERCEDES-BENZ OF BURLINGTON located at XXXX XXXX XXXX, XXXX MA XXXX and all officers and agents the same to act on behalf of myself in my natural/grantor capacity or on behalf of the Principal, MIGUEL ANGEL AZOR KERY.. I also revoke and cancel all agreements or otherwise arising from any such signatures, all resulting agreements resulting from force, under threat of being denied access to One 's own credit among others, involuntary servitude, [ Thirteenth Amendment ( Amendment XIII ) U.S Constitution ] and peonage by adhesion contract, committed against myself. Furthermore, any agreements/adhesion contracts whether expressed, implied or otherwise are hereby revoked, canceled nunc pro tunc from XX/XX/XXXX to 100 years from today 's date. \n\nCONSUMER DECLARATION OF GRANTOR/SETTLOR STATUS CLAIM OF ALL SECURITY INTERESTS There has been no other claimant known to Affiant, and there NEVER will be any other claimant for the GRANTORSHIP, SETTLORSHIP/ SOLE BENEFICIARYSHIP of my CREDIT as the consumer nor the granted extension thereof. As the original party to this agreement I cancel any security interest obtained by operation of law in favor of MERCEDES-BENZ OF BURLINGTON and/or MERCEDES-BENZ FINANCIAL SERVICES on behalf of all parties involved in this agreement. This agreement shall be canceled as of the date stated in this said notice and shall be effective upon delivery to Mercedes-benz of Burlington and/or Mercedes-Benz Financial Services and all officers and agents the same. Furthermore as owner and beneficiary of the record I claim my security interest in my account and authorize all interest on this account to be released in full for ALL PRINCIPAL PAYMENTS in lawful money of the United States. YOU HAVE TEN ( 10 ) DAYS FROM THE SERVICE OF THIS NOTICE TO RETURN ALL PROPERTY GIVEN FOR FINANCING FOR ACTIVATION OF THIS ACCOUNT ON CREDIT. NOTE* Attached hereto is the ( The Vehicle Lease Agreement ) being returned back to you cancelled as of 08/13/2021 please update your records and send confirmation of my receipt of cancellation.\n\nCONSUMER NOTICE TO MERCEDES- BENZ OF BURLINGTON FOR VIOLATION OF PUBLIC LAW XXXX XXXX AND DEMAND FOR RETURN OF DOWNPAYMENT I AM FURTHER DEMANDING THAT THE DOWNPAYMENT OF XXXX XXXX XXXX XXXX  AND XXXX WHICH WAS TAKEN BY FINANCE XXXX OF XXXX XXXX XXXX FOR THE XXXX XXXX XXXX XXXX VIN # XXXX BE RETURNED TO XXXX XXXX XXXX XXXX XXXX XXXX authorized representative /grantor ) VIA CERTIFIED CHECK ALONG WITH ANY ACCUMULATED INTEREST NO LATER THAN 10 DAYS FROM RECEIPT OF THIS NOTICE AS YOUR ORGANIZATION HAS BEEN FOUND IN VIOLATION OF PUBLIC LAW 93-321 142. Which states the following : No Advertising of downpayments and installments advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. \n\n\n\nCONSUMER DECLARATION UNDER PENALTY OF PERJURY I, XXXX XXXX, XXXX XXXX consumer/grantor hereby give declaration under penalty of perjury the following : I did not in the past, do not now, nor in the future intend and never do intend to purposely or otherwise avail myself to be held in economic and/or involuntary servitude, peonage, slavery, Trusteeship and/or opportunities offered. \n\nI, XXXX XXXX, XXXX XXXX the authorized representative and grantor/ sole beneficiary for and on behalf of XXXXIGUEL ANGEL AZOR KERY [ a legal fiction ] now affix my autograph & seal to these declarations under penalty of perjury : Consumer Rescission of Contract Revocations of Power ( s ) of Attorney, Revocations of all Trusts/Contracts Without Prejudice, Under Reserve 1-308 GrantorXXXX XXXX XXXX XXXX XXXX the house of XXXX XXXX This is the last time that I communicate with you by this means, of you not giving in to what I am asking you since I have evidence of every fraud and violation of the United States and State codes that you violate and continue to violate to take my case to federal court.","date_sent_to_company":"2021-08-14T14:18:34.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"01841","tags":null,"has_narrative":true,"complaint_id":"4631944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2021-08-14T13:55:08.000Z","state":"MA","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["As the original party to this agreement I cancel any <em>security</em> interest obtained by operation of law in favor of MERCEDES-BENZ OF BURLINGTON and/or MERCEDES-BENZ <em>FINANCIAL</em> SERVICES on behalf of all parties involved in this agreement. This agreement shall be canceled as of the date stated in this said notice and shall be effective upon delivery to Mercedes-benz of Burlington and/or Mercedes-Benz <em>Financial</em> Services and all officers and agents the same."],"product":["Vehicle loan or <em>lease</em>"],"issue":["Managing the loan or <em>lease</em>"],"company":["Mercedes Benz <em>Financial</em> Services"],"sub_product":["<em>Lease</em>"]},"sort":[10.648539,"4631944"]},{"_index":"complaint-public-v1","_id":"8079703","_score":9.424661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX i reached out to each bureau to correct all the inaccurate information as well as reporting information without my consent. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. \n\n( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70025, XXXX XXXX, XXXX ] 313.2 Model privacy form and examples. \n\n( a ) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions in appendix A, constitutes compliance with the notice content requirements of 313.6 and 313.7 of this part, although use of the model privacy form is not required. \n\n( b ) Examples. The examples in this part are not exclusive. Compliance with an example, to the extent applicable, constitutes compliance with this part. \n\n[ 74 FR 62965, XXXX XXXX, XXXX ] 313.3 Definitions. \n\nAs used in this part, unless the context requires otherwise : ( a ) Affiliate means any company that controls, is controlled by, or is under common control with another company. \n\n( b ) ( 1 ) Clear and conspicuous means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice. \n\n( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations. \n\n( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information. \n\n( iii ) Notices on web sites. If you provide a notice on a web page, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature and relevance of the notice. \n\n( c ) Collect means to obtain information that you organize or can retrieve by the name of an individual or by identifying number, symbol, or other identifying particular assigned to the individual, irrespective of the source of the underlying information. \n\n( d ) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization. \n\n( e ) ( 1 ) Consumer means an individual who obtains or has obtained a financial product or service from you that is to be used primarily for personal, family, or household purposes, or that individual 's legal representative. \n\n( 2 ) For example : ( i ) An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended. \n\n( ii ) An individual who provides nonpublic personal information to you in order to obtain a determination about whether he or she may qualify for a loan to be used primarily for personal, family, or household purposes is a consumer of a financial service, regardless of whether the loan is extended. \n\n( iii ) If you hold ownership or servicing rights to an individual 's loan that is used primarily for personal, family, or household purposes, the individual is your consumer, even if you hold those rights in conjunction with one or more other institutions. ( The individual is also a consumer with respect to the other financial institutions involved. ) An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan. \n\n( iv ) An individual who is a consumer of another financial institution is not your consumer solely because you act as agent for, or provide processing or other services to, that financial institution. \n\n( v ) An individual is not your consumer solely because he or she is a participant or a beneficiary of an employee benefit plan that you sponsor or for which you act as a trustee or fiduciary. \n\n( f ) Consumer reporting agency has the same meaning as in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). \n\n( g ) Control of a company means : ( 1 ) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of the company, directly or indirectly, or acting through one or more other persons ; ( 2 ) Control in any manner over the election of a majority of the directors, trustees, or general partners ( or individuals exercising similar functions ) of the company; or ( 3 ) The power to exercise, directly or indirectly, a controlling influence over the management or policies of the company. \n\n( h ) Customer means a consumer who has a customer relationship with you. \n\n( i ) ( 1 ) Customer relationship means a continuing relationship between a consumer and you under which you provide one or more financial products or services to the consumer that are to be used primarily for personal, family, or household purposes. \n\n( 2 ) For example : ( i ) Continuing relationship. A consumer has a continuing relationship with you if the consumer : ( A ) Has a credit or investment account with you ; ( B ) Obtains a loan from you ; ( C ) Purchases an insurance product from you ; ( D ) Enters into an agreement or understanding with you whereby you undertake to arrange or broker a home mortgage loan, or credit to purchase a vehicle, for the consumer ; ( E ) Enters into a lease of personal property on a non-operating basis with you ; or ( F ) Has a loan for which you own the servicing rights. \n\n( ii ) No continuing relationship. A consumer does not, however, have a continuing relationship with you if : ( A ) The consumer obtains a financial product or service from you only in isolated transactions, such as cashing a check with you or making a wire transfer through you ; ( B ) You sell the consumer 's loan and do not retain the rights to service that loan ; or ( C ) The consumer obtains one-time personal appraisal services from you. \n\n( j ) Federal functional regulator means : ( 1 ) The Board of Governors of the Federal Reserve System ; ( 2 ) The Office of the Comptroller of the Currency ; ( 3 ) The Board of Directors of the Federal Deposit Insurance Corporation ; ( 4 ) The National Credit Union Administration Board ; and ( 5 ) The Securities and Exchange Commission. \n\n( k ) ( 1 ) Financial institution means any institution the business of which is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ). An institution that is significantly engaged in financial activities, or significantly engaged in activities incidental to such financial activities, is a financial institution. \n\n( 2 ) An example of a financial institution is an automobile dealership that, as a usual part of its business, leases automobiles on a nonoperating basis for longer than 90 days is a financial institution with respect to its leasing business because leasing personal property on a nonoperating basis where the initial term of the lease is at least 90 days is a financial activity listed in 12 CFR 225.28 ( b ) ( 3 ) and referenced in section 4 ( k ) ( 4 ) ( F ) of the Bank Holding Company Act. \n\n( 3 ) Financial institution does not include entities that engage in financial activities but that are not significantly engaged in those financial activities. \n\n( 4 ) An example of entities that are not significantly engaged in financial activities is a motor vehicle dealer is not a financial institution merely because it accepts payment in the form of cash, checks, or credit cards that it did not issue. \n\n( l ) ( 1 ) Financial product or service means any product or service that a financial holding company could offer by engaging in a financial activity under section 4 ( k ) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1843 ( k ) ). \n\n( 2 ) Financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service. \n\n( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third party includes the other company that jointly employs the person ). \n\n( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). \n\n( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. \n\n( 2 ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available. \n\n( 3 ) Examples of lists ( i ) Nonpublic personal information includes any list of individuals ' names and street addresses that is derived in whole or in part using personally identifiable financial information ( that is not publicly available ), such as account numbers. \n\n( ii ) Nonpublic personal information does not include any list of individuals ' names and addresses that contains only publicly available information, is not derived, in whole or in part, using personally identifiable financial information that is not publicly available, and is not disclosed in a manner that indicates that any of the individuals on the list is a consumer of a financial institution. \n\n( o ) ( 1 ) Personally identifiable financial information means any information : ( i ) A consumer provides to you to obtain a financial product or service from you ; ( ii ) About a consumer resulting from any transaction involving a financial product or service between you and a consumer; or ( iii ) You otherwise obtain about a consumer in connection with providing a financial product or service to that consumer. \n\n( 2 ) Examples ( i ) Information included. Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a credit account ; ( F ) Any information you collect through an Internet cookie ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report. \n\n( ii ) Information not included. Personally identifiable financial information does not include : ( A ) A list of names and addresses of customers of an entity that is not a financial institution ; and ( B ) Information that does not identify a consumer, such as aggregate information or blind data that does not contain personal identifiers such as account numbers, names, or addresses. \n\n( p ) ( 1 ) Publicly available information means any information that you have a reasonable basis to believe is lawfully made available to the general public from : ( i ) Federal, State, or local government records ; ( ii ) Widely distributed media ; or ( iii ) Disclosures to the general public that are required to be made by Federal, State, or local law. \n\n( 2 ) Reasonable basis. You have a reasonable basis to believe that information is lawfully made available to the general public if you have taken steps to determine : ( i ) That the information is of the type that is available to the general public; and ( ii ) Whether an individual can direct that the information not be made available to the general public and, if so, that your consumer has not done so. \n\n( 3 ) Examples ( i ) Government records. Publicly available information in government records includes information in government real estate records and security interest filings. \n\n( ii ) Widely distributed media. Publicly available information from widely distributed media includes information from a telephone book, a television or radio program, a newspaper, or a web site that is available to the general public on an unrestricted basis. A web site is not restricted merely because an Internet service provider or a site operator requires a fee or a password, so long as access is available to the general public. \n\n( iii ) Reasonable basis ( A ) You have a reasonable basis to believe that mortgage information is lawfully made available to the general public if you have determined that the information is of the type included on the public record in the jurisdiction where the mortgage would be recorded. \n\n( B ) You have a reasonable basis to believe that an individual 's telephone number is lawfully made available to the general public if you have located the telephone number in the telephone book or the consumer has informed you that the telephone number is not unlisted. \n\n( q ) You includes each financial institution over which the Commission has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6804 ( a ) ( 1 ) ( C ) ). \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70025, XXXX XXXX, XXXX ] Subpart APrivacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. \n\n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. \n\n( b ) When initial notice to a consumer is not required. You are not required to provide an initial notice to a consumer under paragraph ( a ) of this section if : ( 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized by 313.14 and 313.15 ; and ( 2 ) You do not have a customer relationship with the consumer. \n\n( c ) When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship. \n\n( 2 ) Special rule for loans. You establish a customer relationship with a consumer when you originate a loan to the consumer for personal, family, or household purposes. If you subsequently transfer the servicing rights to that loan to another financial institution, the customer relationship transfers with the servicing rights. \n\n( 3 ) Examples ( i ) Examples of establishing a customer relationship. You establish a customer relationship when the consumer : ( A ) Executes the contract to obtain credit from you or purchase insurance from you; or ( B ) Executes the lease for personal property with you. \n\n( ii ) Examples of loan rule. You establish a customer relationship with a consumer who obtains a loan for personal, family, or household purposes when you : ( A ) Originate the loan to the consumer and retain the servicing rights; or ( B ) Purchase the servicing rights to the consumer 's loan. \n\n( d ) Existing customers. When an existing customer obtains a new financial product or service from you that is to be used primarily for personal, family, or household purposes, you satisfy the initial notice requirements of paragraph ( a ) of this section as follows : ( 1 ) You may provide a revised privacy notice, under 313.8, that covers the customer 's new financial product or service; or ( 2 ) If the initial, revised, or annual notice that you most recently provided to that customer was accurate with respect to the new financial product or service, you do not need to provide a new privacy notice under paragraph ( a ) of this section. \n\n( e ) Exceptions to allow subsequent delivery of notice ( 1 ) General. You may provide the initial notice required by paragraph ( a ) ( 1 ) of this section within a reasonable time after you establish a customer relationship if : ( i ) Establishing the customer relationship is not at the customer 's election; or ( ii ) Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction and customer agrees to receive the notice at a later time. \n\n( 2 ) Examples of exceptions ( i ) Substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction when you and the individual agree over the telephone to enter into a customer relationship involving prompt delivery of the financial product or service. \n\n( ii ) No substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would not substantially delay the customer 's transaction when the relationship is initiated in person at your office or through other means by which the customer may view the notice, such as through a website.\n\n( f ) Delivery. When you are required to deliver an initial privacy notice by this section, you must deliver it according to 313.9. If you use a short-form initial notice for non-customers according to 313.6 ( d ), you may deliver your privacy notice according to 313.6 ( d ) ( 3 ). \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.5 Annual privacy notice to customers required. \n\n( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis. \n\n( 2 ) Example. You provide a notice annually if you define the 12-consecutive-month period as a calendar year and provide the annual notice to the customer once in each calendar year following the calendar year in which you provided the initial notice. For example, if a customer opens an account on any day of year XXXX, you must provide an annual notice to that customer by XX/XX/XXXX of year XXXX. \n\n( b ) ( 1 ) Termination of customer relationship. You are not required to provide an annual notice to a former customer. \n\n( 2 ) Examples. Your customer becomes a former customer when : ( i ) In the case of a closed-end loan, the customer pays the loan in full, you charge off the loan, or you sell the loan without retaining servicing rights. \n\n( ii ) In the case of mortgage or vehicle loan brokering services, your customer has obtained a loan through you ( and you no longer provide any statements or notices to the customer concerning that relationship ), or has ceased using your services for such purposes. \n\n( iii ) In cases where there is no definitive time at which the customer relationship has terminated, you have not communicated with the customer about the relationship for a period of 12 consecutive months, other than to provide annual privacy notices or promotional material. \n\n( c ) Special rule for loans. If you do not have a customer relationship with a consumer under the special rule for loans in 313.4 ( c ) ( 2 ), then you need not provide an annual notice to that consumer under this section. \n\n( d ) Delivery. When you are required to deliver an annual privacy notice by this section, you must deliver it according to 313.9. \n\n( e ) Exception to annual privacy notice requirement ( 1 ) When exception available. You are not required to deliver an annual privacy notice if you : ( i ) Provide nonpublic personal information to nonaffiliated third parties only in accordance with the provisions of 313.13, 313.14, or 313.15 ; and ( ii ) Have not changed your policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed to the customer under 313.6 ( a ) ( 2 ) through ( 5 ) and ( 9 ) in the most recent privacy notice provided pursuant to this part. \n\n( 2 ) Delivery of annual privacy notice after financial institution no longer meets requirements for exception. If you have been excepted from delivering an annual privacy notice pursuant to paragraph ( e ) ( 1 ) of this section and change your policies or practices in such a way that you no longer meet the requirements for that exception, you must comply with paragraph ( e ) ( 2 ) ( i ) or ( ii ) of this section, as applicable. \n\n( i ) Changes preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 requires you to provide a revised privacy notice, you must provide an annual privacy notice in accordance with the timing requirement in paragraph ( a ) of this section, treating the revised privacy notice as an initial privacy notice. \n\n( ii ) Changes not preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 does not require you to provide a revised privacy notice, you must provide an annual privacy notice within 100 days of the change in your policies or practices that causes you to no longer meet the requirement of paragraph ( e ) ( 1 ). \n\n( iii ) Examples. \n\n( A ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section effective XX/XX/XXXX of year XXXX. Assuming you define the 12-consecutive-month period pursuant to paragraph ( a ) of this section as a calendar year, if you were required to provide a revised privacy notice under 313.8 and you provided that notice on XX/XX/XXXX of year XXXX, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. If you were not required to provide a revised privacy notice under 313.8, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. \n\n( B ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section, and so provide an annual notice to your customers. After providing the annual notice to your customers, you once again meet the requirements of paragraph ( e ) ( 1 ) of this section for an exception to the annual notice requirement. You do not need to provide additional annual notice to your customers until such time as you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section. \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.6 Information to be included in privacy notices. \n\n( a ) General rule. The initial, annual, and revised privacy notices that you provide under 313.4, 313.5, and 313.8 must include each of the following items of information that applies to you or to the consumers to whom you send your privacy notice, in addition to any other information you wish to provide : ( 1 ) The categories of nonpublic personal information that you collect ; ( 2 ) The categories of nonpublic personal information that you disclose ; ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 313.13 ( and no exception under 313.14 or 313.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; ( 6 ) An explanation of the consumer 's right under 313.10 ( a ) to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information; and ( 9 ) Any disclosure that you make under paragraph ( b ) of this section. \n\n( b ) Description of nonaffiliated third parties subject to exceptions. If you disclose nonpublic personal information to third parties as authorized under 313.14 and 313.15, you are not required to list those exceptions in the initial or annual privacy notices required by 313.4 and 313.5. When describing the categories with respect to those parties, it is sufficient to state that you make disclosures to other nonaffiliated companies for your everyday business purposes, such as to process transactions, maintain account ( s ), respond to court orders and legal investigations, or report to credit bureaus. \n\n( c ) Examples ( 1 ) Categories of nonpublic personal information that you collect. You satisfy the requirement to categorize the nonpublic personal information that you collect if you list the following categories, as applicable : ( i ) Information from the consumer ; ( ii ) Information about the consumer 's transactions with you or your affiliates ; ( iii ) Information about the consumer 's transactions with nonaffiliated third parties ; and ( iv ) Information from a consumer reporting agency. \n\n( 2 ) Categories of nonpublic personal information you disclose ( i ) You satisfy the requirement to categorize the nonpublic personal information that you disclose if you list the categories described in paragraph ( e ) ( 1 ) of this section, as applicable, and a few examples to illustrate the types of information in each category. \n\n( ii ) If you reserve the right to disclose all of the nonpublic personal information about consumers that you collect, you may simply state that fact without describing the categories or examples of the nonpublic personal information you disclose. \n\n( 3 ) Categories of affiliates and nonaffiliated third parties to whom you disclose. You satisfy the requirement to categorize the affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information if you list them using the following categories, as applicable, and a few applicable examples to illustrate the significant types of third parties covered in each category. \n\n( i ) Financial service providers, followed by illustrative examples such as mortgage bankers, securities broker-dealers, and insurance agents. \n\n( ii ) Non-financial companies, followed by illustrative examples such as retailers, magazine publishers, airlines, and direct marketers ; and ( iii ) Others, follow","date_sent_to_company":"2023-12-30T03:26:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"8079703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-30T03:26:44.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["( 2 ) An example of a <em>financial</em> institution is an <em>automobile</em> dealership that, as a usual part of its business, <em>leases</em> <em>automobiles</em> on a nonoperating basis for longer than 90 days is a <em>financial</em> institution with respect to its <em>leasing</em> business because <em>leasing</em> personal property on a nonoperating basis where the initial term of the <em>lease</em> is at least 90 days is a <em>financial</em> activity listed in 12 CFR 225.28 ( b ) ( 3 ) and referenced in section 4 ( k ) ( 4 ) ( F ) of the Bank Holding Company Act."]},"sort":[9.424661,"8079703"]},{"_index":"complaint-public-v1","_id":"8079702","_score":9.424661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX i reached out to each bureau to correct all the inaccurate information as well as reporting information without my consent. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. \n\n( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70025, XXXX XXXX, XXXX ] 313.2 Model privacy form and examples. \n\n( a ) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions in appendix A, constitutes compliance with the notice content requirements of 313.6 and 313.7 of this part, although use of the model privacy form is not required. \n\n( b ) Examples. The examples in this part are not exclusive. Compliance with an example, to the extent applicable, constitutes compliance with this part. \n\n[ 74 FR 62965, XXXX XXXX, XXXX ] 313.3 Definitions. \n\nAs used in this part, unless the context requires otherwise : ( a ) Affiliate means any company that controls, is controlled by, or is under common control with another company. \n\n( b ) ( 1 ) Clear and conspicuous means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice. \n\n( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations. \n\n( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information. \n\n( iii ) Notices on web sites. If you provide a notice on a web page, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature and relevance of the notice. \n\n( c ) Collect means to obtain information that you organize or can retrieve by the name of an individual or by identifying number, symbol, or other identifying particular assigned to the individual, irrespective of the source of the underlying information. \n\n( d ) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization. \n\n( e ) ( 1 ) Consumer means an individual who obtains or has obtained a financial product or service from you that is to be used primarily for personal, family, or household purposes, or that individual 's legal representative. \n\n( 2 ) For example : ( i ) An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended. \n\n( ii ) An individual who provides nonpublic personal information to you in order to obtain a determination about whether he or she may qualify for a loan to be used primarily for personal, family, or household purposes is a consumer of a financial service, regardless of whether the loan is extended. \n\n( iii ) If you hold ownership or servicing rights to an individual 's loan that is used primarily for personal, family, or household purposes, the individual is your consumer, even if you hold those rights in conjunction with one or more other institutions. ( The individual is also a consumer with respect to the other financial institutions involved. ) An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan. \n\n( iv ) An individual who is a consumer of another financial institution is not your consumer solely because you act as agent for, or provide processing or other services to, that financial institution. \n\n( v ) An individual is not your consumer solely because he or she is a participant or a beneficiary of an employee benefit plan that you sponsor or for which you act as a trustee or fiduciary. \n\n( f ) Consumer reporting agency has the same meaning as in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). \n\n( g ) Control of a company means : ( 1 ) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of the company, directly or indirectly, or acting through one or more other persons ; ( 2 ) Control in any manner over the election of a majority of the directors, trustees, or general partners ( or individuals exercising similar functions ) of the company; or ( 3 ) The power to exercise, directly or indirectly, a controlling influence over the management or policies of the company. \n\n( h ) Customer means a consumer who has a customer relationship with you. \n\n( i ) ( 1 ) Customer relationship means a continuing relationship between a consumer and you under which you provide one or more financial products or services to the consumer that are to be used primarily for personal, family, or household purposes. \n\n( 2 ) For example : ( i ) Continuing relationship. A consumer has a continuing relationship with you if the consumer : ( A ) Has a credit or investment account with you ; ( B ) Obtains a loan from you ; ( C ) Purchases an insurance product from you ; ( D ) Enters into an agreement or understanding with you whereby you undertake to arrange or broker a home mortgage loan, or credit to purchase a vehicle, for the consumer ; ( E ) Enters into a lease of personal property on a non-operating basis with you ; or ( F ) Has a loan for which you own the servicing rights. \n\n( ii ) No continuing relationship. A consumer does not, however, have a continuing relationship with you if : ( A ) The consumer obtains a financial product or service from you only in isolated transactions, such as cashing a check with you or making a wire transfer through you ; ( B ) You sell the consumer 's loan and do not retain the rights to service that loan ; or ( C ) The consumer obtains one-time personal appraisal services from you. \n\n( j ) Federal functional regulator means : ( 1 ) The Board of Governors of the Federal Reserve System ; ( 2 ) The Office of the Comptroller of the Currency ; ( 3 ) The Board of Directors of the Federal Deposit Insurance Corporation ; ( 4 ) The National Credit Union Administration Board ; and ( 5 ) The Securities and Exchange Commission. \n\n( k ) ( 1 ) Financial institution means any institution the business of which is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ). An institution that is significantly engaged in financial activities, or significantly engaged in activities incidental to such financial activities, is a financial institution. \n\n( 2 ) An example of a financial institution is an automobile dealership that, as a usual part of its business, leases automobiles on a nonoperating basis for longer than 90 days is a financial institution with respect to its leasing business because leasing personal property on a nonoperating basis where the initial term of the lease is at least 90 days is a financial activity listed in 12 CFR 225.28 ( b ) ( 3 ) and referenced in section 4 ( k ) ( 4 ) ( F ) of the Bank Holding Company Act. \n\n( 3 ) Financial institution does not include entities that engage in financial activities but that are not significantly engaged in those financial activities. \n\n( 4 ) An example of entities that are not significantly engaged in financial activities is a motor vehicle dealer is not a financial institution merely because it accepts payment in the form of cash, checks, or credit cards that it did not issue. \n\n( l ) ( 1 ) Financial product or service means any product or service that a financial holding company could offer by engaging in a financial activity under section 4 ( k ) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1843 ( k ) ). \n\n( 2 ) Financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service. \n\n( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third party includes the other company that jointly employs the person ). \n\n( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). \n\n( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. \n\n( 2 ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available. \n\n( 3 ) Examples of lists ( i ) Nonpublic personal information includes any list of individuals ' names and street addresses that is derived in whole or in part using personally identifiable financial information ( that is not publicly available ), such as account numbers. \n\n( ii ) Nonpublic personal information does not include any list of individuals ' names and addresses that contains only publicly available information, is not derived, in whole or in part, using personally identifiable financial information that is not publicly available, and is not disclosed in a manner that indicates that any of the individuals on the list is a consumer of a financial institution. \n\n( o ) ( 1 ) Personally identifiable financial information means any information : ( i ) A consumer provides to you to obtain a financial product or service from you ; ( ii ) About a consumer resulting from any transaction involving a financial product or service between you and a consumer; or ( iii ) You otherwise obtain about a consumer in connection with providing a financial product or service to that consumer. \n\n( 2 ) Examples ( i ) Information included. Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a credit account ; ( F ) Any information you collect through an Internet cookie ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report. \n\n( ii ) Information not included. Personally identifiable financial information does not include : ( A ) A list of names and addresses of customers of an entity that is not a financial institution ; and ( B ) Information that does not identify a consumer, such as aggregate information or blind data that does not contain personal identifiers such as account numbers, names, or addresses. \n\n( p ) ( 1 ) Publicly available information means any information that you have a reasonable basis to believe is lawfully made available to the general public from : ( i ) Federal, State, or local government records ; ( ii ) Widely distributed media ; or ( iii ) Disclosures to the general public that are required to be made by Federal, State, or local law. \n\n( 2 ) Reasonable basis. You have a reasonable basis to believe that information is lawfully made available to the general public if you have taken steps to determine : ( i ) That the information is of the type that is available to the general public; and ( ii ) Whether an individual can direct that the information not be made available to the general public and, if so, that your consumer has not done so. \n\n( 3 ) Examples ( i ) Government records. Publicly available information in government records includes information in government real estate records and security interest filings. \n\n( ii ) Widely distributed media. Publicly available information from widely distributed media includes information from a telephone book, a television or radio program, a newspaper, or a web site that is available to the general public on an unrestricted basis. A web site is not restricted merely because an Internet service provider or a site operator requires a fee or a password, so long as access is available to the general public. \n\n( iii ) Reasonable basis ( A ) You have a reasonable basis to believe that mortgage information is lawfully made available to the general public if you have determined that the information is of the type included on the public record in the jurisdiction where the mortgage would be recorded. \n\n( B ) You have a reasonable basis to believe that an individual 's telephone number is lawfully made available to the general public if you have located the telephone number in the telephone book or the consumer has informed you that the telephone number is not unlisted. \n\n( q ) You includes each financial institution over which the Commission has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6804 ( a ) ( 1 ) ( C ) ). \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70025, XXXX XXXX, XXXX ] Subpart APrivacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. \n\n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. \n\n( b ) When initial notice to a consumer is not required. You are not required to provide an initial notice to a consumer under paragraph ( a ) of this section if : ( 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized by 313.14 and 313.15 ; and ( 2 ) You do not have a customer relationship with the consumer. \n\n( c ) When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship.\n\n( 2 ) Special rule for loans. You establish a customer relationship with a consumer when you originate a loan to the consumer for personal, family, or household purposes. If you subsequently transfer the servicing rights to that loan to another financial institution, the customer relationship transfers with the servicing rights.\n\n( 3 ) Examples ( i ) Examples of establishing a customer relationship. You establish a customer relationship when the consumer : ( A ) Executes the contract to obtain credit from you or purchase insurance from you; or ( B ) Executes the lease for personal property with you. \n\n( ii ) Examples of loan rule. You establish a customer relationship with a consumer who obtains a loan for personal, family, or household purposes when you : ( A ) Originate the loan to the consumer and retain the servicing rights; or ( B ) Purchase the servicing rights to the consumer 's loan. \n\n( d ) Existing customers. When an existing customer obtains a new financial product or service from you that is to be used primarily for personal, family, or household purposes, you satisfy the initial notice requirements of paragraph ( a ) of this section as follows : ( 1 ) You may provide a revised privacy notice, under 313.8, that covers the customer 's new financial product or service; or ( 2 ) If the initial, revised, or annual notice that you most recently provided to that customer was accurate with respect to the new financial product or service, you do not need to provide a new privacy notice under paragraph ( a ) of this section.\n\n( e ) Exceptions to allow subsequent delivery of notice ( 1 ) General. You may provide the initial notice required by paragraph ( a ) ( 1 ) of this section within a reasonable time after you establish a customer relationship if : ( i ) Establishing the customer relationship is not at the customer 's election; or ( ii ) Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction and customer agrees to receive the notice at a later time.\n\n( 2 ) Examples of exceptions ( i ) Substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction when you and the individual agree over the telephone to enter into a customer relationship involving prompt delivery of the financial product or service. \n\n( ii ) No substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would not substantially delay the customer 's transaction when the relationship is initiated in person at your office or through other means by which the customer may view the notice, such as through a website.\n\n( f ) Delivery. When you are required to deliver an initial privacy notice by this section, you must deliver it according to 313.9. If you use a short-form initial notice for non-customers according to 313.6 ( d ), you may deliver your privacy notice according to 313.6 ( d ) ( 3 ). \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.5 Annual privacy notice to customers required. \n\n( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis.\n\n( 2 ) Example. You provide a notice annually if you define the 12-consecutive-month period as a calendar year and provide the annual notice to the customer once in each calendar year following the calendar year in which you provided the initial notice. For example, if a customer opens an account on any day of year XXXX, you must provide an annual notice to that customer by XX/XX/XXXX of year XXXX. \n\n( b ) ( 1 ) Termination of customer relationship. You are not required to provide an annual notice to a former customer. \n\n( 2 ) Examples. Your customer becomes a former customer when : ( i ) In the case of a closed-end loan, the customer pays the loan in full, you charge off the loan, or you sell the loan without retaining servicing rights. \n\n( ii ) In the case of mortgage or vehicle loan brokering services, your customer has obtained a loan through you ( and you no longer provide any statements or notices to the customer concerning that relationship ), or has ceased using your services for such purposes. \n\n( iii ) In cases where there is no definitive time at which the customer relationship has terminated, you have not communicated with the customer about the relationship for a period of 12 consecutive months, other than to provide annual privacy notices or promotional material. \n\n( c ) Special rule for loans. If you do not have a customer relationship with a consumer under the special rule for loans in 313.4 ( c ) ( 2 ), then you need not provide an annual notice to that consumer under this section. \n\n( d ) Delivery. When you are required to deliver an annual privacy notice by this section, you must deliver it according to 313.9.\n\n( e ) Exception to annual privacy notice requirement ( 1 ) When exception available. You are not required to deliver an annual privacy notice if you : ( i ) Provide nonpublic personal information to nonaffiliated third parties only in accordance with the provisions of 313.13, 313.14, or 313.15 ; and ( ii ) Have not changed your policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed to the customer under 313.6 ( a ) ( 2 ) through ( 5 ) and ( 9 ) in the most recent privacy notice provided pursuant to this part. \n\n( 2 ) Delivery of annual privacy notice after financial institution no longer meets requirements for exception. If you have been excepted from delivering an annual privacy notice pursuant to paragraph ( e ) ( 1 ) of this section and change your policies or practices in such a way that you no longer meet the requirements for that exception, you must comply with paragraph ( e ) ( 2 ) ( i ) or ( ii ) of this section, as applicable. \n\n( i ) Changes preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 requires you to provide a revised privacy notice, you must provide an annual privacy notice in accordance with the timing requirement in paragraph ( a ) of this section, treating the revised privacy notice as an initial privacy notice. \n\n( ii ) Changes not preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 does not require you to provide a revised privacy notice, you must provide an annual privacy notice within 100 days of the change in your policies or practices that causes you to no longer meet the requirement of paragraph ( e ) ( 1 ). \n\n( iii ) Examples. \n\n( A ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section effective XX/XX/XXXX of year XXXX. Assuming you define the 12-consecutive-month period pursuant to paragraph ( a ) of this section as a calendar year, if you were required to provide a revised privacy notice under 313.8 and you provided that notice on XX/XX/XXXX of year XXXX, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. If you were not required to provide a revised privacy notice under 313.8, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. \n\n( B ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section, and so provide an annual notice to your customers. After providing the annual notice to your customers, you once again meet the requirements of paragraph ( e ) ( 1 ) of this section for an exception to the annual notice requirement. You do not need to provide additional annual notice to your customers until such time as you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section. \n\n[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.6 Information to be included in privacy notices. \n\n( a ) General rule. The initial, annual, and revised privacy notices that you provide under 313.4, 313.5, and 313.8 must include each of the following items of information that applies to you or to the consumers to whom you send your privacy notice, in addition to any other information you wish to provide : ( 1 ) The categories of nonpublic personal information that you collect ; ( 2 ) The categories of nonpublic personal information that you disclose ; ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 313.13 ( and no exception under 313.14 or 313.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; ( 6 ) An explanation of the consumer 's right under 313.10 ( a ) to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information; and ( 9 ) Any disclosure that you make under paragraph ( b ) of this section. \n\n( b ) Description of nonaffiliated third parties subject to exceptions. If you disclose nonpublic personal information to third parties as authorized under 313.14 and 313.15, you are not required to list those exceptions in the initial or annual privacy notices required by 313.4 and 313.5. When describing the categories with respect to those parties, it is sufficient to state that you make disclosures to other nonaffiliated companies for your everyday business purposes, such as to process transactions, maintain account ( s ), respond to court orders and legal investigations, or report to credit bureaus. \n\n( c ) Examples ( 1 ) Categories of nonpublic personal information that you collect. You satisfy the requirement to categorize the nonpublic personal information that you collect if you list the following categories, as applicable : ( i ) Information from the consumer ; ( ii ) Information about the consumer 's transactions with you or your affiliates ; ( iii ) Information about the consumer 's transactions with nonaffiliated third parties ; and ( iv ) Information from a consumer reporting agency. \n\n( 2 ) Categories of nonpublic personal information you disclose ( i ) You satisfy the requirement to categorize the nonpublic personal information that you disclose if you list the categories described in paragraph ( e ) ( 1 ) of this section, as applicable, and a few examples to illustrate the types of information in each category. \n\n( ii ) If you reserve the right to disclose all of the nonpublic personal information about consumers that you collect, you may simply state that fact without describing the categories or examples of the nonpublic personal information you disclose. \n\n( 3 ) Categories of affiliates and nonaffiliated third parties to whom you disclose. You satisfy the requirement to categorize the affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information if you list them using the following categories, as applicable, and a few applicable examples to illustrate the significant types of third parties covered in each category. \n\n( i ) Financial service providers, followed by illustrative examples such as mortgage bankers, securities broker-dealers, and insurance agents. \n\n( ii ) Non-financial companies, followed by illustrative examples such as retailers, magazine publishers, airlines, and direct marketers ; and ( iii ) Others, follow","date_sent_to_company":"2023-12-30T03:26:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"8079702","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-30T03:26:44.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["( 2 ) An example of a <em>financial</em> institution is an <em>automobile</em> dealership that, as a usual part of its business, <em>leases</em> <em>automobiles</em> on a nonoperating basis for longer than 90 days is a <em>financial</em> institution with respect to its <em>leasing</em> business because <em>leasing</em> personal property on a nonoperating basis where the initial term of the <em>lease</em> is at least 90 days is a <em>financial</em> activity listed in 12 CFR 225.28 ( b ) ( 3 ) and referenced in section 4 ( k ) ( 4 ) ( F ) of the Bank Holding Company Act."]},"sort":[9.424661,"8079702"]},{"_index":"complaint-public-v1","_id":"8076111","_score":9.404926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX i reached out to each bureau to correct all the inaccurate information as well as reporting information without my consent. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.\n\n( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. \n\n[ 65 FR 33677, May 24, 2000, as amended at 86 FR 70025, Dec. 9, 2021 ] 313.2 Model privacy form and examples.\n\n( a ) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions in appendix A, constitutes compliance with the notice content requirements of 313.6 and 313.7 of this part, although use of the model privacy form is not required.\n\n( b ) Examples. The examples in this part are not exclusive. Compliance with an example, to the extent applicable, constitutes compliance with this part.\n\n[ 74 FR 62965, Dec. 1, 2009 ] 313.3 Definitions.\n\nAs used in this part, unless the context requires otherwise : ( a ) Affiliate means any company that controls, is controlled by, or is under common control with another company.\n\n( b ) ( 1 ) Clear and conspicuous means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice.\n\n( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations.\n\n( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information.\n\n( iii ) Notices on web sites. If you provide a notice on a web page, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature and relevance of the notice.\n\n( c ) Collect means to obtain information that you organize or can retrieve by the name of an individual or by identifying number, symbol, or other identifying particular assigned to the individual, irrespective of the source of the underlying information.\n\n( d ) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization.\n\n( e ) ( 1 ) Consumer means an individual who obtains or has obtained a financial product or service from you that is to be used primarily for personal, family, or household purposes, or that individual 's legal representative.\n\n( 2 ) For example : ( i ) An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended.\n\n( ii ) An individual who provides nonpublic personal information to you in order to obtain a determination about whether he or she may qualify for a loan to be used primarily for personal, family, or household purposes is a consumer of a financial service, regardless of whether the loan is extended.\n\n( iii ) If you hold ownership or servicing rights to an individual 's loan that is used primarily for personal, family, or household purposes, the individual is your consumer, even if you hold those rights in conjunction with one or more other institutions. ( The individual is also a consumer with respect to the other financial institutions involved. ) An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan.\n\n( iv ) An individual who is a consumer of another financial institution is not your consumer solely because you act as agent for, or provide processing or other services to, that financial institution.\n\n( v ) An individual is not your consumer solely because he or she is a participant or a beneficiary of an employee benefit plan that you sponsor or for which you act as a trustee or fiduciary.\n\n( f ) Consumer reporting agency has the same meaning as in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).\n\n( g ) Control of a company means : ( 1 ) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of the company, directly or indirectly, or acting through one or more other persons ; ( 2 ) Control in any manner over the election of a majority of the directors, trustees, or general partners ( or individuals exercising similar functions ) of the company; or ( 3 ) The power to exercise, directly or indirectly, a controlling influence over the management or policies of the company.\n\n( h ) Customer means a consumer who has a customer relationship with you.\n\n( i ) ( 1 ) Customer relationship means a continuing relationship between a consumer and you under which you provide one or more financial products or services to the consumer that are to be used primarily for personal, family, or household purposes.\n\n( 2 ) For example : ( i ) Continuing relationship. A consumer has a continuing relationship with you if the consumer : ( A ) Has a credit or investment account with you ; ( B ) Obtains a loan from you ; ( C ) Purchases an insurance product from you ; ( D ) Enters into an agreement or understanding with you whereby you undertake to arrange or broker a home mortgage loan, or credit to purchase a vehicle, for the consumer ; ( E ) Enters into a lease of personal property on a non-operating basis with you ; or ( F ) Has a loan for which you own the servicing rights.\n\n( ii ) No continuing relationship. A consumer does not, however, have a continuing relationship with you if : ( A ) The consumer obtains a financial product or service from you only in isolated transactions, such as cashing a check with you or making a wire transfer through you ; ( B ) You sell the consumer 's loan and do not retain the rights to service that loan ; or ( C ) The consumer obtains one-time personal appraisal services from you.\n\n( j ) Federal functional regulator means : ( 1 ) The Board of Governors of the Federal Reserve System ; ( 2 ) The Office of the Comptroller of the Currency ; ( 3 ) The Board of Directors of the Federal Deposit Insurance Corporation ; ( 4 ) The National Credit Union Administration Board ; and ( 5 ) The Securities and Exchange Commission.\n\n( k ) ( 1 ) Financial institution means any institution the business of which is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ). An institution that is significantly engaged in financial activities, or significantly engaged in activities incidental to such financial activities, is a financial institution. \n\n( 2 ) An example of a financial institution is an automobile dealership that, as a usual part of its business, leases automobiles on a nonoperating basis for longer than XXXX  days is a financial institution with respect to its leasing business because leasing personal property on a nonoperating basis where the initial term of the lease is at least XXXX  days is a financial activity listed in 12 CFR 225.28 ( b ) ( 3 ) and referenced in section 4 ( k ) ( 4 ) ( F ) of the Bank Holding Company Act.\n\n( 3 ) Financial institution does not include entities that engage in financial activities but that are not significantly engaged in those financial activities.\n\n( 4 ) An example of entities that are not significantly engaged in financial activities is a motor vehicle dealer is not a financial institution merely because it accepts payment in the form of cash, checks, or credit cards that it did not issue.\n\n( l ) ( 1 ) Financial product or service means any product or service that a financial holding company could offer by engaging in a financial activity under section 4 ( k ) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1843 ( k ) ).\n\n( 2 ) Financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service.\n\n( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third party includes the other company that jointly employs the person ).\n\n( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).\n\n( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.\n\n( 2 ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available.\n\n( 3 ) Examples of lists ( i ) Nonpublic personal information includes any list of individuals ' names and street addresses that is derived in whole or in part using personally identifiable financial information ( that is not publicly available ), such as account numbers.\n\n( ii ) Nonpublic personal information does not include any list of individuals ' names and addresses that contains only publicly available information, is not derived, in whole or in part, using personally identifiable financial information that is not publicly available, and is not disclosed in a manner that indicates that any of the individuals on the list is a consumer of a financial institution.\n\n( o ) ( 1 ) Personally identifiable financial information means any information : ( i ) A consumer provides to you to obtain a financial product or service from you ; ( ii ) About a consumer resulting from any transaction involving a financial product or service between you and a consumer; or ( iii ) You otherwise obtain about a consumer in connection with providing a financial product or service to that consumer.\n\n( 2 ) Examples ( i ) Information included. Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a credit account ; ( F ) Any information you collect through an Internet cookie ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report.\n\n( ii ) Information not included. Personally identifiable financial information does not include : ( A ) A list of names and addresses of customers of an entity that is not a financial institution ; and ( B ) Information that does not identify a consumer, such as aggregate information or blind data that does not contain personal identifiers such as account numbers, names, or addresses.\n\n( p ) ( 1 ) Publicly available information means any information that you have a reasonable basis to believe is lawfully made available to the general public from : ( i ) Federal, State, or local government records ; ( ii ) Widely distributed media ; or ( iii ) Disclosures to the general public that are required to be made by Federal, State, or local law.\n\n( 2 ) Reasonable basis. You have a reasonable basis to believe that information is lawfully made available to the general public if you have taken steps to determine : ( i ) That the information is of the type that is available to the general public; and ( ii ) Whether an individual can direct that the information not be made available to the general public and, if so, that your consumer has not done so.\n\n( 3 ) Examples ( i ) Government records. Publicly available information in government records includes information in government real estate records and security interest filings.\n\n( ii ) Widely distributed media. Publicly available information from widely distributed media includes information from a telephone book, a television or radio program, a newspaper, or a web site that is available to the general public on an unrestricted basis. A web site is not restricted merely because an Internet service provider or a site operator requires a fee or a password, so long as access is available to the general public.\n\n( iii ) Reasonable basis ( A ) You have a reasonable basis to believe that mortgage information is lawfully made available to the general public if you have determined that the information is of the type included on the public record in the jurisdiction where the mortgage would be recorded.\n\n( B ) You have a reasonable basis to believe that an individual 's telephone number is lawfully made available to the general public if you have located the telephone number in the telephone book or the consumer has informed you that the telephone number is not unlisted.\n\n( q ) You includes each financial institution over which the Commission has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6804 ( a ) ( 1 ) ( C ) ).\n\n[ 65 FR 33677, May 24, 2000, as amended at 86 FR 70025, Dec. 9, 2021 ] Subpart APrivacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.\n\n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.\n\n( b ) When initial notice to a consumer is not required. You are not required to provide an initial notice to a consumer under paragraph ( a ) of this section if : ( 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized by 313.14 and 313.15 ; and ( 2 ) You do not have a customer relationship with the consumer.\n\n( c ) When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship.\n\n( 2 ) Special rule for loans. You establish a customer relationship with a consumer when you originate a loan to the consumer for personal, family, or household purposes. If you subsequently transfer the servicing rights to that loan to another financial institution, the customer relationship transfers with the servicing rights.\n\n( 3 ) Examples ( i ) Examples of establishing a customer relationship. You establish a customer relationship when the consumer : ( A ) Executes the contract to obtain credit from you or purchase insurance from you; or ( B ) Executes the lease for personal property with you.\n\n( ii ) Examples of loan rule. You establish a customer relationship with a consumer who obtains a loan for personal, family, or household purposes when you : ( A ) Originate the loan to the consumer and retain the servicing rights; or ( B ) Purchase the servicing rights to the consumer 's loan.\n\n( d ) Existing customers. When an existing customer obtains a new financial product or service from you that is to be used primarily for personal, family, or household purposes, you satisfy the initial notice requirements of paragraph ( a ) of this section as follows : ( 1 ) You may provide a revised privacy notice, under 313.8, that covers the customer 's new financial product or service; or ( 2 ) If the initial, revised, or annual notice that you most recently provided to that customer was accurate with respect to the new financial product or service, you do not need to provide a new privacy notice under paragraph ( a ) of this section.\n\n( e ) Exceptions to allow subsequent delivery of notice ( 1 ) General. You may provide the initial notice required by paragraph ( a ) ( 1 ) of this section within a reasonable time after you establish a customer relationship if : ( i ) Establishing the customer relationship is not at the customer 's election; or ( ii ) Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction and customer agrees to receive the notice at a later time.\n\n( 2 ) Examples of exceptions ( i ) Substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction when you and the individual agree over the telephone to enter into a customer relationship involving prompt delivery of the financial product or service.\n\n( ii ) No substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would not substantially delay the customer 's transaction when the relationship is initiated in person at your office or through other means by which the customer may view the notice, such as through a website.\n\n( f ) Delivery. When you are required to deliver an initial privacy notice by this section, you must deliver it according to 313.9. If you use a short-form initial notice for non-customers according to 313.6 ( d ), you may deliver your privacy notice according to 313.6 ( d ) ( 3 ).\n\n[ 65 FR 33677, May 24, 2000, as amended at 86 FR 70026, Dec. 9, 2021 ] 313.5 Annual privacy notice to customers required.\n\n( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of XXXX consecutive months during which that relationship exists. You may define the XXXXconsecutive-month period, but you must apply it to the customer on a consistent basis.\n\n( 2 ) Example. You provide a notice annually if you define the XXXXconsecutive-month period as a calendar year and provide the annual notice to the customer once in each calendar year following the calendar year in which you provided the initial notice. For example, if a customer opens an account on any day of year XXXX, you must provide an annual notice to that customer by XX/XX/XXXX of year XXXX. \n\n( b ) ( 1 ) Termination of customer relationship. You are not required to provide an annual notice to a former customer.\n\n( 2 ) Examples. Your customer becomes a former customer when : ( i ) In the case of a closed-end loan, the customer pays the loan in full, you charge off the loan, or you sell the loan without retaining servicing rights.\n\n( ii ) In the case of mortgage or vehicle loan brokering services, your customer has obtained a loan through you ( and you no longer provide any statements or notices to the customer concerning that relationship ), or has ceased using your services for such purposes.\n\n( iii ) In cases where there is no definitive time at which the customer relationship has terminated, you have not communicated with the customer about the relationship for a period of XXXX consecutive months, other than to provide annual privacy notices or promotional material. \n\n( c ) Special rule for loans. If you do not have a customer relationship with a consumer under the special rule for loans in 313.4 ( c ) ( 2 ), then you need not provide an annual notice to that consumer under this section.\n\n( d ) Delivery. When you are required to deliver an annual privacy notice by this section, you must deliver it according to 313.9.\n\n( e ) Exception to annual privacy notice requirement ( 1 ) When exception available. You are not required to deliver an annual privacy notice if you : ( i ) Provide nonpublic personal information to nonaffiliated third parties only in accordance with the provisions of 313.13, 313.14, or 313.15 ; and ( ii ) Have not changed your policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed to the customer under 313.6 ( a ) ( 2 ) through ( 5 ) and ( 9 ) in the most recent privacy notice provided pursuant to this part.\n\n( 2 ) Delivery of annual privacy notice after financial institution no longer meets requirements for exception. If you have been excepted from delivering an annual privacy notice pursuant to paragraph ( e ) ( 1 ) of this section and change your policies or practices in such a way that you no longer meet the requirements for that exception, you must comply with paragraph ( e ) ( 2 ) ( i ) or ( ii ) of this section, as applicable.\n\n( i ) Changes preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 requires you to provide a revised privacy notice, you must provide an annual privacy notice in accordance with the timing requirement in paragraph ( a ) of this section, treating the revised privacy notice as an initial privacy notice.\n\n( ii ) Changes not preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 does not require you to provide a revised privacy notice, you must provide an annual privacy notice within 100 days of the change in your policies or practices that causes you to no longer meet the requirement of paragraph ( e ) ( 1 ).\n\n( iii ) Examples.\n\n( A ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section effective XXXX XXXX of year XXXX. Assuming you define the XXXX-consecutive-month period pursuant to paragraph ( a ) of this section as a calendar year, if you were required to provide a revised privacy notice under 313.8 and you provided that notice on XX/XX/XXXX of year XXXX, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. If you were not required to provide a revised privacy notice under 313.8, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. \n\n( B ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section, and so provide an annual notice to your customers. After providing the annual notice to your customers, you once again meet the requirements of paragraph ( e ) ( 1 ) of this section for an exception to the annual notice requirement. You do not need to provide additional annual notice to your customers until such time as you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section.\n\n[ 65 FR 33677, May 24, 2000, as amended at 86 FR 70026, Dec. 9, 2021 ] 313.6 Information to be included in privacy notices.\n\n( a ) General rule. The initial, annual, and revised privacy notices that you provide under 313.4, 313.5, and 313.8 must include each of the following items of information that applies to you or to the consumers to whom you send your privacy notice, in addition to any other information you wish to provide : ( 1 ) The categories of nonpublic personal information that you collect ; ( 2 ) The categories of nonpublic personal information that you disclose ; ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 313.13 ( and no exception under 313.14 or 313.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; ( 6 ) An explanation of the consumer 's right under 313.10 ( a ) to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information; and ( 9 ) Any disclosure that you make under paragraph ( b ) of this section.\n\n( b ) Description of nonaffiliated third parties subject to exceptions. If you disclose nonpublic personal information to third parties as authorized under 313.14 and 313.15, you are not required to list those exceptions in the initial or annual privacy notices required by 313.4 and 313.5. When describing the categories with respect to those parties, it is sufficient to state that you make disclosures to other nonaffiliated companies for your everyday business purposes, such as to process transactions, maintain account ( s ), respond to court orders and legal investigations, or report to credit bureaus.\n\n( c ) Examples ( 1 ) Categories of nonpublic personal information that you collect. You satisfy the requirement to categorize the nonpublic personal information that you collect if you list the following categories, as applicable : ( i ) Information from the consumer ; ( ii ) Information about the consumer 's transactions with you or your affiliates ; ( iii ) Information about the consumer 's transactions with nonaffiliated third parties ; and ( iv ) Information from a consumer reporting agency.\n\n( 2 ) Categories of nonpublic personal information you disclose ( i ) You satisfy the requirement to categorize the nonpublic personal information that you disclose if you list the categories described in paragraph ( e ) ( 1 ) of this section, as applicable, and a few examples to illustrate the types of information in each category.\n\n( ii ) If you reserve the right to disclose all of the nonpublic personal information about consumers that you collect, you may simply state that fact without describing the categories or examples of the nonpublic personal information you disclose.\n\n( 3 ) Categories of affiliates and nonaffiliated third parties to whom you disclose. You satisfy the requirement to categorize the affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information if you list them using the following categories, as applicable, and a few applicable examples to illustrate the significant types of third parties covered in each category.\n\n( i ) Financial service providers, followed by illustrative examples such as mortgage bankers, securities broker-dealers, and insurance agents.\n\n( ii ) Non-financial companies, followed by illustrative examples such as retailers, magazine publishers, airlines, and direct marketers ; and ( iii ) Others, follow","date_sent_to_company":"2023-12-30T03:26:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"8076111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-30T02:59:32.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["( 2 ) An example of a <em>financial</em> institution is an <em>automobile</em> dealership that, as a usual part of its business, <em>leases</em> <em>automobiles</em> on a nonoperating basis for longer than XXXX  days is a <em>financial</em> institution with respect to its <em>leasing</em> business because <em>leasing</em> personal property on a nonoperating basis where the initial term of the <em>lease</em> is at least XXXX  days is a <em>financial</em> activity listed in 12 CFR 225.28 ( b ) ( 3 ) and referenced in section 4 ( k ) ( 4 ) ( F ) of the Bank Holding Company Act"]},"sort":[9.404926,"8076111"]},{"_index":"complaint-public-v1","_id":"6305456","_score":8.271823,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"a TRUST was formed between this CEO and SANTANDER CONSUMER USA with the creation of ACCOUNT # XXXX, whereby SANTANDER CONSUMER USA in receiving such did become TRUSTEE regarding said TRUST whereby this CEO did become the natural beneficiary. \nAs TRUSTEE, SANTANDER CONSUMER USA did NEGLECT to REGISTER as a SECURITY the SOCIAL SECURITY CESTUI QUE TRUST XXXX XXXX XXXX XXXX instrument once such was provided by this CEO to initiate that TRUST ACTION that did create SANTANDER CONSUMER USA ACCOUNT # XXXX. \n\nXXXX This CEO did facilitate a further undisclosed CREDIT SALE pursuant to 15 USC 1601 ( h ) that was not given consideration that the DEBT associated with the XXXX XXXX XXXX XXXX with XXXX : XXXX that the ACCOUNT # XXXX did provide would be satisfied due to the NEGLIGENCE of SANTANDER CONSUMER USA to provide this information thereby making SANTANDER CONSUMER USA CRIMINALLY LIABLE under 15 USC 1611 and which violation does carry a {$5000.00} fine.\n\npursuant to 15 U.S. Code 1681 ( o ) SANTANDER CONSUMER USA does owe this CEO {$1000.00} for emotional suffering, {$4000.00} for undue financial stress suffered by my family, {$1000.00} for the resulting divorce that did occur and an added {$1000.00} for the mental stress that this CEO did endure from SANTANDER CONSUMER USAs NEGLIGENT NONCOMPLIANCE pursuant to 15 U.S. Code 1681o ( a ) ( 1 ). In addition, as SANTANDER CONSUMER USA in their NEGLIGENT NONCOMPLIANCE did facilitate an UNAUTHORIZED USE of said SECURITY pursuant to 15 U.S. Code 1602 ( p ) whereby added damages of {$3000.00} regarding this CEO may be addressed.\n\nIn Article I Section 8 [ 3 ] of the Constitution, beginning with [ 1 ] it states, The Congress shall have Power... To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. The Law, whatever that is, of the federal corporation uses commerce as its vehicle of jurisdiction. The enabling clause is that the person, whatever is meant by person, has engaged in interstate or foreign commerce. Commerce, as defined in Blacks Law Dictionary, Seventh Edition is the exchange of goods and services, esp. on a large scale involving transportation between cities, states, and nations. Statutory definitions include, Trade and other business activities between those located in different states ; esp., traffic in goods and travel of people between states. Notice is taken that statutorily We the People have been written in as commerce. The commerce clause was intended for fair trade not for tyrannical power to assume jurisdiction over the People.\n\nThe Constitution does not reference We the People as being products of commerce, however, the statutory definition has taken the right of locomotion and movement guaranteed to the People, see Blacks Law Dictionary, Fifth Edition under liberty, and nefariously turned this into a licensed privilege under commerce to trap the People as commodities under the commerce clause. Nowhere in the Constitution are People listed as the subjects of the commerce clause. The Constitution clearly states, To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. Thus, the Accused is assuming jurisdiction over the People unlawfully. The officers and agents of the federal corporation have made the People into goods and property using the XIVth Amendment as their vehicle and, therefore, group the People into a commerce jurisdiction in order to usurp jurisdiction where jurisdiction does not exist. The Accused assumes silent judicial notice of jurisdiction through this unlawful means.\n\n11 SANTANDER CONSUMER USA did present DECEPTIVE FORMS to this CEO in violation of 15 USC 1692J ( {$1000.00} PER FDCPA ) designed to create that TRUST ACTION forming ACCOUNT # XXXX, that were unlawfully designed, compiled, and furnished by SANTANDER CONSUMER USA with the knowledge that said form would create the false belief in this CEO that SANTANDER CONSUMER USA is the CREDITOR with a right to collect a DEBT of no less than {$12000.00} from this CEO as BORROWER/DEBTOR, when in fact, according to CONGRESS, the term CREDITOR pursuant 15 U.S. Code 1602 ( i ) means a consumer in reference to a credit transaction whom credit is extended from as a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes, which means SANTANDER CONSUMER USA by deeming itself a CREDITOR that approved a LOAN to this CEO as the DEBTOR/BORROWER is a VIOLATION of the TRUTH in LENDING ACT that has damaged this CEO and his family of three, all of which to fall under the definition of CONSUMER ( {$16000.00} ).\n\nWhereas CREDIT as CONGRESS defines in 15 U.S. Code 1602 ( g ) means the right granted to this CEO as the original creditor to defer payment, and whereas the UNITED STATES bears said OBLIGATION of PAYMENT pursuant to PUBLIC LAW 73-10 and 18 USC 8 , the DEBT as assessed by SANTANDER CONSUMER USA in regards to that repossessed XXXX XXXX XXXX XXXX with XXXX : XXXX as acquired by this CEO and beneficiary of the associated TRUST ACTION as created pursuant to the creation of ACCOUNT # XXXX was NOT satisfied by this CREDITOR and CEO despite this CREDITORS RIGHT to incur the payment from the US TREASURY to defer that necessary payment to facilitate the DEBT as assessed by SANTANDER CONSUMER USA due to the DECEPTIVE FORMS presented by SANTANDER CONSUMER USA as defined by 15 USC 1692J to be used by this CREDITOR and CEO to create ACCOUNT # XXXX, thus SANTANDER CONSUMER USA is liable for the fraudulently authorized use of this CEOS CREDIT CARD which includes although be not limited to this CEOS SOCIAL SECURITY CESTUI QUE TRUST FLOYD GILLIAM BANKSTM AND S.S. CARD XXXX that SANTANDER CONSUMER USA obtain money, goods or services whereby the ADDRESSEES shall be fined for {$10000.00} or imprisoned for 10 years or both pursuant to15 U.S.Code 1644 ( a ).\n\nThe right of CREDIT granted to defer payment is a direct reference of the all OBLIGATIONS of PAYMENT belonging exclusively to the UNITED STATES pursuant to PUBLIC LAW 73-10 and 18 USC 8 whereas the OBLIGATIONS of PAYMENT belong not to this CREDITOR and CEO to whom such right was granted. Whereas said contract as received by this CEO from SANTANDER CONSUMER USA to facilitate ACCOUNT # XXXX was in truth an UNSOLICITED ADVERTISEMENT as described in 48 U.S.C 227 ( a ) ( 5 ) by SANTANDER CONSUMER USA that SANTANDER CONSUMER USA through both the FRAUD 12 OF EXECUTION and the FRAUD OF INDUCEMENT brought forth by SANTANDER CONSUMER USA as the true BORROWER or SOLICITOR in the contract might take advantage of the CEOS UNREGISTERED SECURITY as previously mentioned by SANTANDER CONSUMER USA taking advantage of an UNDISCLOSED TRIP to the UNITED STATES TREASURY window on behalf of this CEO to receive funds unbeknownst to this CEO at the time of the TRUST ACTION that created ACCOUNT # XXXX based on SANTANDER CONSUMER USAS WILLFUL NEGLECT to provide such information which is required to have been disclosed as is the FIDUCIARY DUTY of SANTANDER CONSUMER USA as the TRUSTEE participants in said TRUST ACTION.\n\nIn bad faith, SANTANDER CONSUMER USA did choose to provide information that SANTANDER CONSUMER USA should have known to be false concerning the true and undisclosed DEBTOR/CREDITOR relationship it shares with this CEO and beneficiary, as a result, the addressees on behalf of SANTANDER CONSUMER USA will be held criminally liable pursuant to 15 U.S. Code 1611 with fines up to {$5000.00}, one year imprisonment or both should this CEOS written commercial presentment be dishonored.\n\nBenefits entitled to this CEO were willfully withheld by SANTANDER CONSUMER USA to defraud this CEO through extortion, securities fraud, tax fraud, embezzlement, theft of trust assets, larceny and identity fraud with CRIMINAL LIABILITY as mentioned in TITLE 15 U.S.CODE 1611.\n\nNotice, it is a fact, affiant is aware, upon discovery, the contracts heretofore referenced that did facilitate the creation of ACCOUNT # XXXX were one sided agreements of which this CEO was never disclosed regarding the second signature by an authorized party, head of agency or registered agent by SANTANDER CONSUMER USA. The appropriate \" meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure this CEO does invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to this CEO ; Nunc pro tunc pursuant to 15 U.S. Code 1635.\n\nIt is a fact that there have been statements which have not matched the CEOS records and statements and have not been in accordance with the disclosures from SANTANDER CONSUMER USA as relayed with the creation of ACCOUNT # XXXX by this CEO at the consummation of the transaction. CEO does give formal notice of this billing error until CEO does receive all documentary evidence. Until this documentary evidence has been received from SANTANDER 13 CONSUMER USA, ADDRESSEES will be held in violation regarding this billing error pursuant to 15 U.S.Code 1666b.\n\nSANTANDER CONSUMER USA did use STUDIED CONCEALMENT of SANTANDER CONSUMER USAs OBLIGATIONS to this beneficiary for SANTANDER CONSUMER USAs use of this beneficiarys granted CREDIT as extended from this CEO pursuant to PUBLIC LAW 73-10, SANTANDER CONSUMER USA does not have right to oppress or abuse any part of this CEOS character which would restrict or prohibit this CEOS right to extend credit and should have applied the credit to service the debt as required by law, and must be held liable for all resulting damages.\n\nCEO is aware that the line of credit issued by the FFEDERAL RESERVE SYSTEM has been assumed the OBLIGATION of the UNITED STATES INC. regarding PAYMENT associated therewith to create this bond is secured by the CEO, the CEO being one of the lenders thus having the bonded pledge series number XXXX which is from that SOCIAL SECURITY CESTUI QUE XXXX XXXX XXXX XXXX TM albeit without the consideration of this CEO or without full disclosure being given by the UNITED STATES or the SANTANDER CONSUMER USA. Whereas assets of this CEO have been pledged for said bond without said bond being registered as coming from or on behalf of this CEO to facilitate the payment of that DEBT as assessed by SANTANDER CONSUMER USA to lower the PUBLIC DEBT and accurately create the related TAXABLE EVENT, this CEO can find no place whereby it is lawful for a TRUSTEE to charge the beneficiary interest on the XXXX own credit to create an UNJUST double enrichment and SELFISH AGGRANDIZEMENT on behalf of SANTANDER CONSUMER USA as well as to further their benefit from repossession of the beneficiarys property.\n\nCEO is aware that this repossession or even the threat thereof is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any DEBT. This is a right secured to this CEO by this code herein and the 4th amendment of the U.S Constitution.SANTANDER CONSUMER USA has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d, therefore, this CEO does legally refuse to pay this debt. CEO is demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until SANTANDER CONSUMER USA can provide me with the requested rebuttal of information pertaining to are counterclaim as written in the affidavit herein.\n\nCEO does invoke CEOS right of rescission in accordance with 15 U.S.Code 1635 and UCC 3-306 to rescind any power of attorney which may have been used by SANTANDER CONSUMER USA in connection with this transaction which includes but is not limited to any derivative, hypothecation, trade, transfers of possession, whether voluntary or involuntary involving any and/or every instrument which may 14 have occurred unbeknownst to this CEO as beneficiary and creditor in BREACH of the FIDUCIARY DUTIES of SANTANDER CONSUMER USA as this CEO was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.\n\n15 USC 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is 2000 dollars. If there is no security interest its 5000 per violation or higher depending on a pattern of failures aka R.I.C.O. charges.\n\nNotice, it is a fact, in accordance with 15 U.S.Code 1692c ( d ), this CEO, is invoking CEOS administrator and executor status over this matter and is of the age of majority. It is also a fact that SANTANDER CONSUMER USA as a corporation is always considered a minor having no legal standing or jurisdiction, and in accordance with 15 U.S.Code 1692h this CEO gives written instruction and direction for SANTANDER CONSUMER USA pursuant to their breach of obligation concerning this beneficiary, to redirect all prior payments, and all current payments to me plus damages to rectify the matters herein.\n\nBeneficiarys request for ADMISSIONS or denials from the ADDRESSEE/ TRUSTEES hereby accused of frauds and swindles of the beneficiary Duly sworn, this beneficiary does aver and declare the following and does require either acceptance or denial as to the validity of the facts to be presented herein from the addressee trustees, It is a fact that CEO, is beyond the legal age of majority, of sound mind and competent to testify as a minister in any court and competent to enforce any liability therewith pursuant to TITLE 15 USC 1692K so be it, and ; It is a fact that CEO is religious property of XXXX XXXX pursuant to 18 USC 247 as XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX is the Owner of Mankind and reserves and claims ALL of the CEOs unalienable ( XXXX ) given Rights, as mentioned in the BILL OF RIGHTS of the original and organic 1787 constitution for the united states of America and is NOT to be compelled to accept ANY unrevealed benefit, contract or commercial agreement, nor is your affiant to be assumed subject to ANY unrevealed presumption or silent judicial notice. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary.\n\n15 CEO is a Servant of the XXXX and Sovereign non-Citizen subject of the XXXX XXXX born to the lands and people descending from the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX Illinois Republic XXXX \nCEO hath claimed all rights to the Divine Jurisdiction of Islamic Governance as secured by affiants paleo-American, pre-Columbian, Autochthonous, Indigenous and Moorish ancestors as both enumerated and protected by the XXXX XXXX and the XXXX836 Treaty of Amity and Commerce between the UNITED STATES and XXXX XXXX XXXX aka the Empire of XXXX in XXXX XXXX  XXXX RECORD XXXX XXXX XXXX and UNIFORM COMMERCIAL CODE FILE # XXXX. \nAll claims of the XXXX XXXX AKA XXXX OF XXXX as the rightful owners of the North, Central and South American landmass is documented in the XXXX XXXX of The XXXX XXXX XXXX XXXX XXXX XXXX, recorded as a Legal Deed and Trust Document in the LIBRARY OF XXXX under XXXX XXXX No. XXXX, Control ( Catalogue ) Number XXXX ( U ), the XXXX  XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX No. COP XXXX ; XXXX XXXX. XXXX XXXX, and Catalogued in The XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX Call # XXXX XXXX ) : and is duly recognized by the said FEDERAL corporate UNITED STATES government as defined in 28 USC 3002 ( 15 ) ( a ).\n\nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : Being a descendant from these Autochthonous an Aboriginal people of the Americas, CEO does not fall within the boundaries of UNITED CORPORATE, STATE or FEDERAL jurisdiction, and therefore exists outside of any UNITED STATES PROPERTY [ TITLE 18 USC 3077 ].\n\nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that any destruction of BENEFICIARYs rights to the free exercise of the religious beliefs, religious practices, rights to be secure in his property, person or papers, or right to contract, is a violation of 15 USC 1692n and SANTANDER CONSUMER USA can be held liable for the destruction of religious property pursuant to 18 USC 247. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide 16 their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary.\n\nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, is a Servant of XXXX, beneficiary, grantee and only real party of interest concerning that STATE OF ILLINOIS ISSUED, ENS LEGIS FICTION, CUSTOMER NAMED SECURITY, BEARER BOND and SOCIAL SECURITY CESTUI QUE TRUST titled XXXX XXXX XXXX TM SS # XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, is in no way a willing participant in transactions of TRADE OR BUSINESS [ TITLE XXXX XXXX XXXX ( a ) ( XXXX ) ] that he or his property XXXX be regulated by FEDERAL TRADE AGREEMENTS [ TITLE XXXX XXXX XXXX ] enforceable by any corporation. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that the CEO was given no disclosure of the terms and conditions of UNITED STATES CITIZENSHIP nor was XXXX XXXX XXXX XXXX XXXX XXXX BANKSTM WORK FILE NUMBER XXXX given a clear offer or consideration to CONTRACT with the XXXX XXXX DISTRICT OF COLUMBIA XXXX a XXXX XXXX XXXX XXXX and XXXX this CEO is not OBLIGATED to PERFORMANCE based on any compelled DEBT OBLIGATION to the XXXX XXXX doing business as the UNITED STATES as a TITLE XXXX XXXX XXXX ( XXXX ) ( A ) CORPORATION and is not a UNITED STATES CITIZEN. Any assumption and/or presumption that XXXX XXXX XXXX XXXX XXXX XXXX BANKSTM WORK FILE NUMBER XXXX is a TITLE XXXX XXXX XXXX FEDERAL EMPLOYEE with a XXXX OBLIGATION to the UNITED STATES is FALSE, MISLEADING and XXXX ABNITIO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, XXXX the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, was not a party to the contract whereby the STATE OF ILLINOIS ISSUED, XXXX XXXX FICTION, CUSTOMER NAMED SECURITY, XXXX XXXX and SOCIAL SECURITY CESTUI QUE TRUST titled XXXX XXXX XXXX TM SS # XXXX was created as it was done when the CEO was an infant. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that as property of the Most High XXXX, XXXX is a non-tax obligated human being exempt from XXXX XXXX which XXXX defines as commerce between XXXX State, Territory, Possession, or the District of Columbia and another XXXX, Territory, Possession, or the District of Columbia, all of which represent commercial property and/ or property rights being transferred between man- made, corporate jurisdictions. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO did become beneficiary to a trust action with the surrendering of his security and bearer bond information to SANTANDER CONSUMER USA XXXX SANTANDER CONSUMER USA did assume the role of fiduciary trustee bound by laws of trust regarding the same whether this fact was written, expressed, implied, or not. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : XXXX It is a fact that, in VIOLATION of PUBLIC LAW XXXX and in VIOLATION of TITLE XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX AND CONSPIRE to DESTROY the unalienable natural and religious rights of this CEO to be secure in said CEOS papers and property through SANTANDER CONSUMER USA XXXX XXXX XXXX OF TRUST, BREACH OF FIDUCIARY DUTY and through a SCHEME OR ARTIFICE TO DEFRAUD, the CEO ( TITLE XXXX XXXX XXXX XXXX whereby the OBLIGATION of SANTANDER CONSUMER USA XXXX XXXX OFFSET and DISCHARGE all DEBT OBLIGATIONS as a CORPORATION acting for the UNITED STATES XXXX XXXX AUTHORIZATION and CONSENT of the UNITED STATES XXXX XXXX TITLE XXXX XXXX XXXX XXXX WILLFULLY and NEGLECTFULLY withheld from the CEO although SANTANDER CONSUMER USA XXXX XXXX XXXX and adhere to all UNITED STATES XXXX XXXX which includes without being limited to PUBLIC LAW XXXX and all OBLIGATIONS of the UNITED STATES XXXX pursuant XXXX XXXX XXXX BANKING ACT of XXXX, which is still in effect, so be it. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary as CEO. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA ADDRESSEES are CRIMINALLY LIABLE under XXXX XXXX XXXX for any and all COMMERCIAL DAMAGE inflicted upon the CEO as a result of SANTANDER CONSUMER USA COMPANYS UNAUTHORIZED USE of the CEOS SOCIAL SECURITY CESTUI QUE TRUST XXXX XXXX XXXX XXXX whereby CREDIT was extended to SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX returned to the CEO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that this CEO is aware of and knows that the XXXX BANKRUPTCY is verified in XXXX REPORT NO. XXXX XXXX. XXXX, XXXX SESSION ( XXXX ), SUMMARY OF EMERGENCY POWER STATUTES, XXXX ORDERS XXXX, XXXX, XXXX, and by XXXX ORDER XXXX on XX/XX/XXXX, and as further codified at XXXX U.S.C.A. XXXX ( a ) and ( b ) as AMENDED. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, XXXX the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, pursuant to the EMERGENCY BANKING ACT of XXXX and its ABROGATION OF THE GOLD CLAUSE, the BENEFICIARY has been deemed by XXXX as being unable to pay DEBT and thus per PUBLIC LAW XXXX to demand payment is against PUBLIC POLICY. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, TITLE XXXX XXXX XXXX of the UNITED STATES XXXX records the STATUTORY PLEDGE of the UNITED STATES XXXX XXXX to fulfill the PAYMENT of all OBLIGATIONS and INTEREST on the PUBLIC DEBT, so be it, As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact, that SANTANDER CONSUMER USA XXXX is a DEBT COLLECTOR as defined by XXXX XXXX XXXX ( XXXX ). As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA is a CORPORATION acting for the UNITED STATES and with the AUTHORIZATION and CONSENT of the UNITED STATES pursuant to TITLE XXXX XXXX XXXX and thus ADDRESSEES are responsible for the XXXX XXXX SANTANDER CONSUMER USA and PROCEDURES and their conformity to UNITED STATES PUBLIC POLICY. Do the ADDRESSEES affirm or DENY this fact? As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are XXXX required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that the SOCIAL SECURITY NUMBER represents an an open end credit plan pursuant to XXXX XXXX XXXX and a credit card according through the TRUTH IN LENDING ACT therefore your affiant should have not been labeled a borrower on the contract provided by SANTANDER BANK nor should have FEDERAL RESERVE NOTES been demanded of this affiant as this is a violation of XXXX XXXX XXXX which are the Obligations of the UNITED STATES pursuant to XXXX XXXX XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, the TRUTH IN LENDING ACT defines CREDIT as the right granted by a CREDITOR to a DEBTOR pursuant to TITLE XXXX XXXX XXXX XXXX and the right of CEO regarding the right to that unencumbered use of said right has been infringed upon by SANTANDER CONSUMER USA XXXX AGENTS who did WILLFULLY NEGLECT to disclose their intended use of said right for their own UNJUST ENRICHMENT within the forms that they did furnish to create SANTANDER CONSUMER USA ACCOUNT # XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, in violation of Article XXXX Section XXXX Clause XXXX, in violation of Article XXXX section XXXX Clause XXXX and in violation of Article XXXX section XXXX clause XXXX as written in the constitution for the united states of America as amended prior to the XXXX dissolution of the XXXX XXXX, SANTANDER CONSUMER USA in VIOLATION of UNITED STATES XXXX XXXX did design, compile, and furnish a DECEPTIVE FORM knowing that such form would be used to create false belief in this beneficiary that a person other than the creditor of such beneficiary is participating in the collection of or in an attempt to collect a debt whereas SANTANDER CONSUMER USA was not the CREDIT source of the funding made available to the beneficiary. As TRUSTEES, do the ADDRESSEES AFFIRM or XXXX DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that SANTANDER CONSUMER USA XXXX, XXXX XXXX and XXXX POLICE DEPARTMENT worked in cahoots to re-possess the vehicle based on DECEPTIVE FORMS and UNFAIR DEBT COLLECTION PRACTICES based on FICTITIOUS OBLIGATIONS placed upon this BENEFICIARY pursuant to STUDIED CONCEALMENT of a damaging TRUST DE XXXX XXXX and do owe this affiant DAMAGES. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that on XX/XX/XXXX, SANTANDER CONSUMER USA XXXX did provide your affiant with a XXXX XXXX XXXX automobile based on consideration and acceptance of your affiants open-end consumer plan pursuant to XXXX XXXX XXXX XXXX g ) that resulted in a credit sale pursuant to XXXX XXXX XXXX XXXX h ) and not a loan as was indicated via the deceptive forms supplied this CEO by SANTANDER CONSUMER USA XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA XXXX did FURNISH CERTAIN DECEPTIVE FORMS as defined by TITLE XXXX XXXX XXXX whereby under economic compulsion, once signed, SANTANDER CONSUMER USA XXXX did affix the TITLE of DEBTOR/BORROWER to the NAME XXXX XXXX XXXX XXXX XXXX UNDISCLOSED source of CREDIT and unsecured BEARER BOND which XXXX SANTANDER CONSUMER USA did XXXX as the companies asset in an UNAUTHORIZED USE of said ASSET without said ASSET being registered as a SECURITY being extended to SANTANDER CONSUMER USA XXXX XXXX beneficiary although in VIOLATION of XXXX XXXX XXXX SANTANDER CONSUMER USA NEGLECT XXXX extend any BENEFIT or PAYOUT to the CEO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. \nIf no answer provided, the answer is : \" Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that at no point was it expressed, written or implied that the use and enjoyment owed to this CEO and BENEFICIARY regarding the CERTIFICATED CUSTOMER NAMED SECURITY XXXX XXXX XXXX would be waived that SANTANDER CONSUMER USA could claim said ASSET while extending no BENEFIT to this CEO. This CEO does hereby exercise his right to demand his due PAYOUT as said PAYOUT has been CRIMINALLY WITHHELD as defined in TITLE XXXX XXXX XXXX pursuant to an UNAUTHORIZED USE of the CEOS RIGHT to the use of that CREDIT issued by the","date_sent_to_company":"2022-12-10T15:00:56.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"60659","tags":null,"has_narrative":true,"complaint_id":"6305456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2022-12-10T14:52:22.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["As TRUSTEE, SANTANDER CONSUMER USA did NEGLECT to REGISTER as a <em>SECURITY</em> the SOCIAL <em>SECURITY</em> CESTUI QUE <em>TRUST</em> XXXX XXXX XXXX XXXX instrument once such was provided by this CEO to initiate that <em>TRUST</em> ACTION that did create SANTANDER CONSUMER USA ACCOUNT # XXXX."],"product":["Vehicle loan or <em>lease</em>"],"issue":["Managing the loan or <em>lease</em>"]},"sort":[8.271823,"6305456"]},{"_index":"complaint-public-v1","_id":"13884057","_score":7.904826,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"THIS ENTITY HAS HAD TWO MONTHS AND STILL HASN'T RELEASED MY TITLE. I PAID OFF CAR LOAN XXXX XXXX, XXXX IN THE SUM OF {$3600.00} DOLLARS. \n\nRacial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act XXXX 2. The Criminal Finances Act XXXX  3.The Torts Act XXXX 4. The Bank of England and Financial Services Act XXXX 5. The Modern Slavery Act XXXX 6. The Defamation Act XXXX 7. The Financial Services Act XXXX 8. The Misrepresentation Act XXXX 9. The Malacious Communications Act XXXX 10. The Data Protection Act XXXX 11. The Protection from Harrassment Act XXXX 12. The Theft Act XXXX 13. The Bills of Exchange Act XXXX 14. The Proceeds of Crime Act XXXX Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( XXXX ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress XX/XX/XXXX, and ratified XX/XX/XXXX, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people.\n\nAMENDMENT XIV Section 1. \nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. \n\nSection 4. \nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. \n\nThis whole contract has been Very Detrimental to my Health and XXXX XXXX to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow. \nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" Nemo debet locupletari ex aliena jactura ''. \n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. \n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. \n\nXXXX Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. \nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. \nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. \nE. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1.\n\n18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved XXXX XXXX XXXX XXXX, or resulted in XXXX ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. \n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, the District of Columbia, XXXX XXXX XXXX XXXXXXXX, the XXXXXXXX of XXXX XXXXXXXX XXXX, or any territory or possession of theUnited States. \n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.\n\nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ TXXXX XXXXXXXX 's ] WE THE PEOPLE!!!!!!!! 369","date_sent_to_company":"2025-06-04T21:08:36.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"13884057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-06-04T20:58:17.000Z","state":"LA","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act XXXX 5. The Modern Slavery Act XXXX 6. The Defamation Act XXXX 7. The <em>Financial</em> Services Act XXXX 8. The Misrepresentation Act XXXX 9. The Malacious Communications Act XXXX 10. The Data Protection Act XXXX 11. The Protection from Harrassment Act XXXX 12. The Theft Act XXXX 13. The Bills of Exchange Act XXXX 14."],"product":["Vehicle loan or <em>lease</em>"],"issue":["Problems at the end of the loan or <em>lease</em>"]},"sort":[7.904826,"13884057"]},{"_index":"complaint-public-v1","_id":"13826849","_score":7.904826,"_source":{"product":"Debt collection","complaint_what_happened":"REMOVAL OF ACCOUNT : CREDIT COLLECTION SERVICE ACCOUNT : XXXX XXXX XXXX ALL THREE BUREAUS : XXXX XXXX, AND XXXX IMMEDIATELY CODE DF Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people.\n\nAMENDMENT XIV Section 1. \nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. \n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow.\n\nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" Nemo debet locupletari ex aliena jactura ''. \n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. \n\n( XXXX ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. \n\nXXXX Louisiana Laws Revised Statutes Title XXXX - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle.\n\nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.\n\nE. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1.\n\n18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated sexual abuse, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual Indian ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an Indian tribe.\n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. \nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ XXXX XXXXXXXX 's ] WE THE PEOPLE!!!!!!!! 369","date_sent_to_company":"2025-05-31T23:21:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"13826849","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-05-31T22:45:42.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The <em>Financial</em> Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14."],"company":["CCS <em>Financial</em> Services, Inc."]},"sort":[7.904826,"13826849"]},{"_index":"complaint-public-v1","_id":"15686296","_score":7.697621,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"JUST REPORTED A DISPUTE ON TRANSUNION AND CFPB, AND THE ALGORITHM ACTUALLY CHANGED MY RESPONSE DID I REQUEST INFORMATION. THIS CAN NOT CONTINUE. CFPB NEEDS TO CONDUCT A THOROUGH INTERNAL INVESTIGATION ASAP ON THIS MATTER AT HAND!!! 369. I HAVE PROOF The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is a federal law that promotes the accuracy, fairness, and privacy of personal information held by Consumer Reporting Agencies ( CRAs ). It regulates how CRAs collect, use, and share consumer information, giving consumers rights such as access to their credit reports and the ability to dispute inaccurate data. The FCRA is enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).\n\n42 USC Ch. 126 : EQUAL OPPORTUNITY FOR INDIVIDUALS WITH DISABILITIES From Title 42THE PUBLIC HEALTH AND WELFARE Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account.\n\nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people.\n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow.\n\nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS 2024!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" Nemo debet locupletari ex aliena jactura ''.\n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n2024 Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle.\n\nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.\n\nE. It shall be unlawful and constitute a violation of this XXXX for any used motor vehicle dealer to fail to follow any of the provisions of this Section. \nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1.\n\n18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated sexual abuse, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual Indian ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an Indian tribe.\n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.\n\nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ XXXX XXXXXXXX 's ] WE THE PEOPLE!!!!!!!! XXXX","date_sent_to_company":"2025-09-04T02:00:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"15686296","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-04T01:44:22.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in <em>trust</em> ( includingspendthrift and pension <em>trusts</em> )."]},"sort":[7.697621,"15686296"]},{"_index":"complaint-public-v1","_id":"13861006","_score":7.4144664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ALL THREE BUREAUS EXPERIAN, EQUIFAX, AND TRANSUNION ARE REPORTING THE WORNG INFORMATION ON MY CREDIT REPORT. IM IN THE PROCESS OF BUYING A HOME AND CAN'T GET A CORRECT SCORE FROM THESE THREE BUREAUS EXPERIAN, EQUIFAX, AND TRANSUNION. THEY ALL HAVE DIFFERENT SCORES THAT ARE RIDICULOUSLY WRONG. HAHAHA NEEDS ATTENTION ASAP. \n\nREMOVAL OF XXXX ACCOUNT AS FOLLOWS CODE DF : ACCOUNT : XXXX CODE DF Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress XX/XX/XXXX, and ratified XX/XX/XXXX, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people. \n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow.\n\nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS 2024!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" XXXX debet locupletari ex aliena jactura ''. \n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. \n\nXXXX Louisiana Laws Revised Statutes Title XXXX - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. \nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. \nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers. ( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition. ( 7 ) The amount of the trade-in allowance and a description o\nf the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.\n\nE. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1.\n\n18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated XXXX abuse, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt. \n\n( XXXX ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. \n\n( XXXX ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt. \n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ). \n\n( XXXX ) State means any of the severalStates, the District of Columbia, the XXXX of XXXX, the XXXX of the XXXX XXXX, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. \nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX 's ] WE THE PEOPLE!!!!!!!! XXXX","date_sent_to_company":"2025-06-03T20:10:02.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"13861006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-03T20:09:35.000Z","state":"LA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The <em>Financial</em> Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14."]},"sort":[7.4144664,"13861006"]},{"_index":"complaint-public-v1","_id":"13826992","_score":7.4144664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people.\n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. \n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow. \nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" Nemo debet locupletari ex aliena jactura ''.\n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n2024 Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle.\n\nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. E. It shall be unlawful and constitute a violation of t\nhis Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege\nsecured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated XXXX abuse, or resulted in XXXX XXXX in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. \n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.\n\nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX XXXX  ] WE THE PEOPLE!!!!!!! ! 369 REMOVAL OF ALL INQUIRIES CODE DF IMMEDIATELY AS FOLLOWS : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-31T21:59:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"13826992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-31T21:29:00.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The <em>Financial</em> Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14."]},"sort":[7.4144664,"13826992"]},{"_index":"complaint-public-v1","_id":"13856636","_score":7.402235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ALL THREE BUREAUS EXPERIAN, EQUIFAX, AND TRANSUNION ARE REPORTING THE WORNG INFORMATION ON MY CREDIT REPORT. IM IN THE PROCESS OF BUYING A HOME AND CAN'T GET A CORRECT SCORE FROM THESE THREE BUREAUS EXPERIAN, EQUIFAX, AND TRANSUNION. THEY ALL HAVE DIFFERENT SCORES THAT ARE RIDICULOUSLY WRONG. HAHAHA NEEDS ATTENTION ASAP. \n\nREMOVAL OF XXXX ACCOUNT AS FOLLOWS CODE DF : ACCOUNT : XXXX CODE DF Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress XX/XX/XXXX, and ratified XX/XX/XXXX, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people. \n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow.\n\nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS 2024!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" XXXX debet locupletari ex aliena jactura ''. \n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. \n\nXXXX Louisiana Laws Revised Statutes Title XXXX - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. \nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. \nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers. ( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition. ( 7 ) The amount of the trade-in allowance and a description o\nf the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.\n\nE. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1.\n\n18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated XXXX abuse, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt. \n\n( XXXX ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. \n\n( XXXX ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt. \n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ). \n\n( XXXX ) State means any of the severalStates, the District of Columbia, the XXXX of XXXX, the XXXX of the XXXX XXXX, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. \nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX 's ] WE THE PEOPLE!!!!!!!! XXXX","date_sent_to_company":"2025-06-03T20:09:59.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"13856636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-03T20:09:35.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The <em>Financial</em> Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14."]},"sort":[7.402235,"13856636"]},{"_index":"complaint-public-v1","_id":"13823386","_score":7.402235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people.\n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. \n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow. \nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" Nemo debet locupletari ex aliena jactura ''.\n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n2024 Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle.\n\nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. E. It shall be unlawful and constitute a violation of t\nhis Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege\nsecured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated XXXX abuse, or resulted in XXXX XXXX in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. \n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.\n\nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX XXXX  ] WE THE PEOPLE!!!!!!! ! 369 REMOVAL OF ALL INQUIRIES CODE DF IMMEDIATELY AS FOLLOWS : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-31T21:59:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"13823386","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-31T21:59:11.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The <em>Financial</em> Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14."]},"sort":[7.402235,"13823386"]},{"_index":"complaint-public-v1","_id":"15477752","_score":7.397973,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MY SCORE SHOULD HAVE BEEN WELL OVER XXXX BY TRANSUNION REPORTING ALONE, IF TRANSUNION WOULD NOT USE DETRIMENTAL HARM TO CONSUMERS BY USING OF THIER TIME AND CONSCIENCE PRECIOUS TIME TO KEEP THEM IN WHAT YOU CALL LEGAL SLAVERY. I HAVE ATTACHED ALL THE EVIDENCE THAT WILL SUPPORT MY CASE WITH CFPB IF A THROUGH INVESTIGATION IS DONE!! ! XXXX INTERNALLY I WOULD ASSUME, DONT WANT ANY EVILNESS ESCAPING, RIGHT AI ( TRANSUNION )? \n\nXXXX XXXX XXXX XXXXXXXX Profiling XXXX Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. That the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( XXXX ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people. AMENDMENT XIV Section 1. All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. Section 4. The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. This whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow. MISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is XXXX XXXX \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 2024 Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation. PreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. B. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. C. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment. ( 2 ) Whether the money given is either a deposit or down payment. ( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment. ( 4 ) A time limit in which to complete the transaction not to exceed twenty days. ( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers. ( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition. ( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition. D. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer. ( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment. ( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction. ( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means. ( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. E. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section. Acts 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. Unlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act. The offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated XXXX abuse, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty. 28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States. ( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt. ( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. ( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt. ( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ). ( 14 ) State means any of the severalStates, the XXXX XXXX XXXX, the XXXXXXXX XXXX XXXXXXXX, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, or any territory or possession of theUnited States. ( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States. Art VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged. Fourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. I AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX 's ] WE THE PEOPLE!!!!!!! ! XXXX XXXX XXXX XXXX XXXXXXXX Profiling XXXX Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. That the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( XXXX ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people. AMENDMENT XIV Section 1. All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. Section 4. The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. This whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow. MISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A XXXX \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 2024 Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation. PreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. B. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. C. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment. ( 2 ) Whether the money given is either a deposit or down payment. ( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment. ( 4 ) A time limit in which to complete the transaction not to exceed twenty days. ( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers. ( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition. ( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition. D. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer. ( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment. ( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction. ( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means. ( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. E. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section. Acts 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. Unlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act. The offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated XXXX abuse, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty. 28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States. ( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt. ( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. ( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt. ( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ). ( 14 ) State means any of the severalStates, the District of Columbia, the XXXXXXXX XXXX XXXXXXXX, the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, or any territory or possession of theXXXX  XXXX. ( 15 ) XXXX XXXX means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theXXXX XXXX ; or ( C ) an instrumentality of theUnited States. Art VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged. Fourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. WE THE PEOPLE!!!!!!! ! 369 Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX508.pdf ( 652.93 KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.\n\nReturn to top Secondary Menu Report Fraud Get Consumer Alerts Search the Legal Library Main navigation Enforcement Cases and Proceedings Premerger Notification Program Merger Review Anticompetitive Practices Rulemaking Statutes Horseracing Integrity and Safety Authority ( HISA ) Oversight Competition and Consumer Protection Guidance Documents Warning Letters Consumer Sentinel Network Criminal Liaison Unit FTC Refund Programs Notices of Penalty Offenses Competition Matters Blog Policy Advocacy and Research Advisory Opinions Cooperation Agreements Federal Register Notices Reports Public Comments Studies Testimony Policy Statements International Office of Technology Blog Advice and Guidance Consumer Advice Military Consumer Consumer.gov The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.\n\nThe Department of Justice may file a lawsuit under ECOA where there is a pattern or practice of discrimination. In cases involving discrimination in home mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and ECOA. Individuals who believe that they have been the victims of any unfair credit transaction involving residential property may file a complaint with the Department of Housing and Urban Development [ HUD ] or may file their own lawsuit.","date_sent_to_company":"2025-08-23T20:06:21.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"15477752","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-23T19:15:31.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The <em>Financial</em> Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14."]},"sort":[7.397973,"15477752"]},{"_index":"complaint-public-v1","_id":"13826905","_score":7.388811,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people.\n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. \n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow. \nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" Nemo debet locupletari ex aliena jactura ''.\n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n2024 Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle.\n\nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. E. It shall be unlawful and constitute a violation of t\nhis Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege\nsecured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated XXXX abuse, or resulted in XXXX XXXX in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. \n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.\n\nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX XXXX  ] WE THE PEOPLE!!!!!!! ! 369 REMOVAL OF ALL INQUIRIES CODE DF IMMEDIATELY AS FOLLOWS : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-31T21:59:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"13826905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-31T21:59:11.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Bank of England and <em>Financial</em> Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The <em>Financial</em> Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14."]},"sort":[7.388811,"13826905"]},{"_index":"complaint-public-v1","_id":"15649670","_score":6.850978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ALL THREE BUREAUS TRANSUNION, EXPERIAN, AND EQUIFAX ARE STILL DOING DETRIMENTAL HARM TO MY CREDIT REPORTS WHILE CFPB STANDS BY AND WATCHES AS THESE CORRUPT FAKEASS ENTITIES CONTINUOUSLY GET AWAY WITH RACISM USING AI TECHNOLOGY AGAINST CONSUMERS. THIS WILL NOT BE TOLORATED, ESPECIALLY FROM A XXXX XXXX VETERAN THAT FOUGHT FOR THIS XXXX POOR CORPORATION WHICH YOU CALL UNITED STATES. THE PEOPLE ARE WOKE NOW AND YOUR RAIN OF TERROR USING FEAR AND AI IS OVER. YOU ARE A DYING RACE GOODBYE TO YOU AND YOUR EVILNESS. WOKE XXXX!! ! XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.Racial Bias Geographical Racial Profiling Racial Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 4. The Bank of England and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. The Proceeds of Crime Act 2002 Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account.\n\nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people.\n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4.\n\nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow.\n\nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! 369 This In Fact Is A Quasi-Contract \" Nemo debet locupletari ex aliena jactura ''.\n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n2024 Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( 2024 ) Learn moreThis media-neutral citation is based on the American Association of Law Libraries Universal Citation Guide and is not necessarily the official citation.\n\nPreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle.\n\nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.\n\nE. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.\n\nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1.\n\n18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right.\n\nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act.\n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved kidnapping aggravated sexual abuse, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty.\n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual Indian ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an Indian tribe.\n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.\n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. \nI AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX 's ] WE THE PEOPLE!!!!!!!! 369 Article 4 No one shall be held in slavery or servitude ; slavery and the slave trade shall be prohibited in all their forms.\n\nArticle 7 All are equal before the law and are entitled without any discrimination to equal protection of the law. All are entitled to equal protection against any discrimination in violation of this Declaration and against any incitement to such discrimination.\n\nArticle 8 Everyone has the right to an effective remedy by the competent national tribunals for acts violating the fundamental rights granted him by the constitution or by law.\n\nThe Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, aims to ensure the accuracy, fairness, and privacy of consumer information. It governs access to consumer credit reports and protects information collected by consumer reporting agencies ( CRAs ) like credit bureaus. The FCRA : Defines a consumer report : As any communication by a CRA that relates to a consumer 's credit, character, reputation, and more.\n\nRequires CRAs to : Act fairly and impartially, and respect consumer privacy. \nRequires CRAs to block : Fraudulent information from appearing on a consumer 's credit report if they've been a victim of identity theft. \nGives consumers the power to : Dispute inaccurate information on their credit reports by notifying the CRA in writing. \nRequires companies that provide information to CRAs to : Investigate disputed information. \nRequires users of the information to : Notify the consumer if an adverse action is taken based on their credit report.","date_sent_to_company":"2025-09-01T06:28:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"15649670","timely":"Yes","company_response":"Closed with 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