Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX and Drive Time Credit Corporation, jointly and severally, for engaging in troubling and potentially unlawful conduct during a recent communication with me. The purpose of this complaint is to bring to your attention the companies ' refusal to identify the purpose of their call, their improper attempts to collect personal identifiable information or proper disclosure, and their infringement upon my right to privacy. 

On XX/XX/XXXX XXXX three separate family members received an unsolicited phone call from a representative claiming to be an employee of XXXX XXXX. The representative made persistent efforts to solicit and collect personal identifiable information from my family members. They sought sensitive details, including my social security number, financial information, whereabouts and home address. I must emphasize that I have never had any prior association with XXXX XXXX  or any other relevant party, nor can I conceive any legitimate basis for these companies to request or gather such sensitive information without justifiable consent from the consumer. 

As a responsible and cautious individual, I am deeply committed to protecting my privacy and safeguarding my personal data from unauthorized access or misuse. The unauthorized collection of personal identifiable information without adequate disclosure constitutes a clear violation of my privacy rights, as guaranteed by the Constitution and upheld by various federal and state laws. 

The potential consequences of such privacy breaches are far-reaching, extending beyond my personal well-being and financial security. Improper handling of personal data can expose individuals to identity theft, fraud, and other malicious activities that can inflict severe and lasting harm on innocent consumers like myself. 

I believe that the actions of XXXX XXXX, acting on behalf of Drive Time Credit Corporation, not only breach fundamental principles of consumer protection but also run afoul of federal laws and regulations governing data privacy and debt collection practices. As the agency tasked with safeguarding consumer interests, the Consumer Financial Protection Bureau ( CFPB ) holds a crucial responsibility to ensure that both XXXX XXXX  and Drive Time Credit Corporation respect and uphold the privacy rights of individuals. 

Therefore, I urgently request that the CFPB prioritize this matter and conduct a thorough investigation into the following issues : Examine XXXX XXXX XXXX improper collection of personal identifiable information from me and any other individuals without proper consent or a valid reason, as this infringes upon my fundamental right to privacy. 

Investigate Drive Time Credit Corporation 's involvement in this matter and assess its responsibility for the actions of its third-party contractor, XXXX XXXX. 

Determine if XXXX XXXX XXXX actions, in conjunction with Drive Time Credit Corporation 's involvement, constitute flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws, which exist to safeguard consumer privacy and ensure ethical debt collection practices. 

Take decisive enforcement actions and impose necessary penalties if it is found that XXXX XXXX and Drive Time Credit Corporation have engaged in unlawful or deceptive practices that undermine consumer privacy rights. 

Implement stringent measures to ensure that XXXX XXXX XXXX Drive Time Credit Corporation, and other entities within the consumer financial industry comply fully with all relevant consumer protection laws and regulations, particularly those related to consumer privacy. 

I implore the CFPB to approach this complaint with the utmost urgency and gravity it warrants, considering the profound implications on consumer privacy and rights. I eagerly anticipate a swift and comprehensive resolution to this matter, which will reassure consumers that their privacy is genuinely respected and protected.