Consumer complaint received 2023-08-18
Company: United PanAm Financial Corp.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been trying to reach someone in reference to my vehicle XXXX XXXX XXXX XXXX XXXX. United Auto Credit Corporation subsidiary of Vroom Inc auctioned of and sold my vehicle. I have advised was debt has been satisfied per documentary evidence from IRS. Ive provided a 1099c and 1099A as well both which have been accepted. I am respectfully requesting that my vehicle is replaced with 2 vehicles of my choice based off the amount listed on the 1099c & 1099A. Ive reached out to ( Vroom Inc ) and subsidiary United Auto Credit Corporation numerous times in reference to this matter. United auto credit corporation stated to reach out to Vroom Inc because they dont handle this. In addition to this If some could follow back up with me I would appreciate it. Please have someone for corporate give me an email back promptly. 
XX/XX/XXXX United Auto Credit Corporation C/o United Auto Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX RE : Opt-Out Instructions for Account Dear Vroom Inc/ United Auto Credit Corporation , The Following are my instructions with regard to your information sharing and sales policies:1. You do not have my permission to share my personally identifiable information withnonaffiliated third party companies or individuals. I am asserting my rights under theFinancial Services Modernization Act ( the Gramm-Leach-Bliley Act ) to opt-out of any sharing or sales of my information by your company.2. You do not have my permission to share information about my creditworthiness with anyaffiliate of your company. I am asserting my rights under the Fair Credit Reporting Act toopt-out of any sharing of this information by your company.3. I do not wish to receive marketing offers from your company or its affiliates.Please delete my name from all marketing lists and databases.Your company 's privacy notice states you may otherwise use my information as '' permitted by law. '' I wish to limit other uses of my personal information by your companyand its affiliates. In particular : * You do not have my permission to disclose any information about me, including transactionand experience information, to your affiliates. * You do not have my permission to disclose any information about me in connection with directmarketing agreements between your company and another company.Thank you for respecting my privacy and honoring my choices regarding my customer information.Please acknowledge your intention to comply with my request for privacy of my personal financialand other informationSincerely, All Rights Reserved /without prejudice - [ ] UCC 1-308 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting. **************SECOND NOTICE ***** I am revoking all right to any security interest, repossession and all insurances attached to contract. AND I REVOKE ALL SECURITY INTEREST ON TITLE! Please send all accounting from securities proceeds from the primary and secondary markets. *******************

Company response to consumer: Closed with explanation