Consumer complaint received 2021-07-14
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am affirming that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name of XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters preceding, and I herby claim that I will d/b/a XXXX XXXX and autograph, as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, Truth In Lending Act 15 U.S.C. ch. 41 1601 is intended to inform consumers about the cost of credit. 
Fact, Truth In Lending Act 15 U.S.C. ch. 41 1601 is intended to protect consumers abasing abuse and deceit by creditors and I have been abused and deceived. 
Fact, Affiant is aware and has proof in attachment labeled as exhibit A & C that Honda Financial is in violation of 15 USC1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Honda Financial did not include my insurance in my finance charge. 
Fact, Affiant is aware and has proof in attachment labeled exhibit A & XXXX that Honda Financial is in violation of 15 U.S. Code 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Honda Financial in fact took cash as shown in attached labeled as exhibit A & C. 
Fact, Affiant is aware and has proof in attachment labeled as Exhibit A & C that Honda Financial is in violation of 15 U.S. Code 1611. Honda Financial willfully and knowingly failed to provide/disclose information required under the provisions of 15 U.S. Code 1601. They are now civilly and criminally liable. 
Fact, XXXX is aware that according to 15 U.S. Code 1635 Honda Financial did not provide to me the proper forms expanding on my right to rescind in any consumer credit transaction in which a Security Interest is involved. I wish to exercise my right rescind at this time. 
Fact, XXXX is aware that according to 15 U.S. Code 1640 ( a ) - section ( i ) I demand {$7800.00} in the form of a check mailed to XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and a reissued Title free of security interest by Honda Financial. In addition, deletion of this account from all consumer reporting agencies. 

Fact, 15 U.S. Code 1692g states the debt collector in this case, Honda Financial will provide the consumer with the name and address of the original creditor, if different from the current creditor. I demand this debt be validated pursuant to this code. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, presented.

Company response to consumer: Closed with explanation