Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

OUR COMPLAINT
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States of
American I XXXX, have look at my credit report and see that there are
inaccurate reports on my account child support dont not report to credit reporters and by
lawful cancellation all contracts and remove theses accounts off my credit profile I will like a
contract to show that me a living soul that me and them the other party showed in contact
where we both agreed upon on all disclosure must be showed its a invalid contract please
remove from my credit report it have hinder me from my future benefits. UCC 1-308 without
prejudice Please remove these accounts immediately. I Recently viewed my credit report
and saw that there is incorrect information on my credit report. In accordance with the Fair
Credit Reporting act. These accounts is inaccurate and dont have no contract with me or
did not notify me or put me on notice that was going to report these accounts on my credit
report. I have the rights to private I will love equity for all the inaccurate accounts on my
credit report.The List of accounts below has violated my federally protected consumer rights
to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND
ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU
PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT
IMMEDIATELY. : I have tried time after times delete this
off my credit report immediately this is not acting in good Faith by law to delete this account immediately yes deleted this account IMMEDIATELY . (XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans Union have removed and deleted this child support. I would this is my XXXX  time contacting 
XXXX  to deleted it and they put it back in my credit report its a VIOLATION by law thats
illegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX XXXX XXXX XXXX, has
violated my rights. 15 U.S.C 6802 (B) The consumer is given the opportunity, before the time
that such information is initially disclosed, to direct that such information not be disclosed to
XXXX XXXX XXXX XXXX
Page XXXX of XXXX  such XXXX  party; and (C)the consumer is given an explanation of how the consumer can
exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to
privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency
cannot furnish an account without my written instructions. 15 U.S.C 1681c. (a)(5) Section
States: 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. 15 U.S.C 1681
section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for
such notices, that specific information is inaccurate, and the information is, in fact,
inaccurate, the furnisher must thereafter report the correct information to CRAs. Section
623(a)(1)(B). 15 U.S.C. 1681s-2 (A)(1) 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. Also the credit bureaus failed to do a complete
a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING
AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I
dont not want the reporting any thing for me on my credit account I am a living man I can
conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a
violation. I want this these account CLOSE
 WITH MONETARY RELIEF. They had fail to mail or
email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please
remove ALL HARD INQUIRIES I DUD NOT RECEIVED ANY THING FOR TRANSACTION 

TN XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS [TRANSUNION PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHT XXXX XXXX XXXX XXXX XXXX have VIOLATED MY RIGHTS I WIL LIKE XXXX dollar for every violation its stopped me from gettIng a place to live and I have already sent letters and emails no response back delete these accounts immediately IMMEDIATE AND SEND CHECK BY MAIL. These accounts dose not match on all credit reports please delete 15 US

15 U.S. Code  1681i
- Procedure in case of disputed accuracy (5) Treatment of inaccurate or unverifiable
information (A) In general If, after any reinvestigation under paragraph (1) of any information
disputed by a consumer, an item of the information is found to be inaccurate or incomplete
or cannot be verified, the consumer reporting agency shall (i) promptly delete that item of
information from the file of the consumer, or modify that item of information, as appropriate,
based on the results of the reinvestigation; and (ii) promptly notify the furnisher of that
information that the information has been modified or deleted from the file of the
consumer. 15 U.S. Code  1681q - Obtaining information under false pretenses Any person
who knowingly and willfully obtains information on a consumer from a consumer reporting
agency under false pretenses shall be fined under title 18, imprisoned for not more than XXXX
years, or both. 15 U.S. Code  1666b - Timing of payments (a) Time to make payments A
creditor may not treat a payment on a credit card account under an open end consumer
credit plan as late for any purpose, unless the creditor has adopted reasonable procedures
designed to ensure that each periodic statement including the information required by
section 1637(b) of this title is mailed or delivered to the consumer not later than XXXX  days
before the payment due date. (b) Grace period If an open end consumer credit plan
provides a time period within which an obligor may repay any portion of the credit
extended without incurring an additional finance charge, such additional finance charge
may not be imposed with respect to such portion of the credit extended for the billing cycle
of which such period is a part, unless a statement which includes the amount upon which
the finance charge for the period is based was mailed or delivered to the consumer not
later than XXXX  days before the date specified in the statement by which payment must be
made in order to avoid imposition of that finance charge. 15 U.S. Code  1638 -
Transactions other than under an open end credit plan a) Required disclosures by creditor
For each consumer credit transaction other than under an open end credit plan, the creditor
shall disclose each of the following items, to the extent applicable: (1) The identity of the
creditor required to make disclosure. (2) (A) The amount financed, using that term, which
shall be the amount of credit of which the consumer has actual use. This amount shall be
computed as follows, but the computations need not be disclosed and shall not be
disclosed with the disclosures conspicuously segregated in accordance with subsection (b)
(1): (i) take the principal amount of the loan or the cash price less downpayment and trade-
in; (ii) add any charges which are not part of the finance charge or of the principal amount
of the loan and which are financed by the consumer, including the cost of any items
excluded from the finance charge pursuant to section 1605 of this title; and (iii) subtract any
charges which are part of the finance charge but which will be paid by the consumer before
XXXX XXXX XXXX XXXX
Page XXXX of XXXX
or at the time of the consummation of the transaction, or have been withheld from the
proceeds of the credit. (B) In conjunction with the disclosure of the amount financed, a
creditor shall provide a statement of the consumers right to obtain, upon a written request,
a written itemization of the amount financed. The statement shall include spaces for a yes
and no indication to be initialed by the consumer to indicate whether the consumer wants
a written itemization of the amount financed. Upon receiving an affirmative indication, the
creditor shall provide, at the time other disclosures are required to be furnished, a written
itemization of the amount financed. For the purposes of this subparagraph, itemization of
the amount financed means a disclosure of the following items, to the extent applicable: (i)
the amount that is or will be paid directly to the consumer; (ii) the amount that is or will be
credited to the consumers account to discharge obligations owed to the creditor; (iii) each
amount that is or will be paid to third persons by the creditor on the consumers behalf,
together with an identification of or reference to the third person; and (iv) the total amount
of any charges described in the preceding subparagraph (A)(iii). XXXX The finance charge,
not itemized, using that term. XXXX The finance charge expressed as an annual percentage
rate, using that term. This shall not be required if the amount financed does not exceed $XXXX  and the finance charge does not exceed XXXX, or if the amount financed exceeds $XXXX  and the
finance charge does not exceed XXXXXXXX XXXX) The sum of the amount financed and the finance
charge, which shall be termed the total of payments. XXXX) The number, amount, and due
dates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX, 520 U.S. 329 (1997) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO THE UNITED STATES COURT
OF APPEALS FOR THE XXXX XXXX XXXX XXXX Argued XXXX XXXX XXXX-Decided XXXX XXXX XXXX Respondents, five Arizona mothers whose children are eligible for state child
support services under Title IV -D of the Social Security Act, filed this 42 U. S. C.  1983 suit
against petitioner, the director of the state child support agency, claiming, among other
things, that they properly applied for child support services; that, despite their good faith
efforts to cooperate, the agency never took adequate steps to obtain child support
payments for them; that these omissions were largely attributable to staff shortages and
other structural defects in the State's program; and that these systemic failures violated their
individual rights under Title XXXX  to have all mandated services delivered in substantial
compliance with the title and its implementing regulations. They requested broad relief,
including a declaratory judgment that the Arizona program's operation violates TitlXXXX XXXX XXXX
provisions creating rights in them that are enforceable through a  1983 action, and an
injunction requiring the director to achieve substantial compliance with Title IV-D
throughout all programmatic operations. The District Court granted summary judgment for
petitioner, but the XXXX XXXX  reversed. Without distinguishing among the numerous
provisions of the complex XXXX XXXX program or the many rights those provisions might
have created, the latter court held that respondents had an enforceable individual right to
have the State achieve "substantial compliance" with XXXX XXXX. It also disagreed with the
District Court's conclusion that Congress had foreclosed private XXXX XXXX enforcement
actions by authorizing the Secretary of Health and Human Services (Secretary) to audit and
cut off funds to States whose programs do not substantially comply with XXXX XXXX
requirements Held: XXXX XXXX does not give individuals a federal right to force a state
agency to substantially comply with XXXX XXXX XXXX  (a) A plaintiff seeking  XXXX  redress must assert the violation of a federal right, not merely of federal lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 493 U. S. 103, 106. XXXX  principal factors determine whether a
statutory provision creates a privately enforceable right: XXXX whether the plaintiff is an
intended beneficiary of the statute; (XXXX  whether the plaintiff's asserted interests are not so
vague and amor- XXXX  Syllabus phous as to be beyond the competence of the judiciary to
enforce; and (3) whether the statute imposes a binding obligation on the State. SeeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 496 U. S. 498, 509. Even if a plaintiff demonstrates such a
right, however, there is only a rebuttable presumption that it is enforceable under  XXXX.
Dismissal is proper if Congress specifically foreclosed a  XXXX  remedy, XXXX XXXX XXXX,
468 U. S. 992, 1005, XXXX XXXX XXXX, either expressly, by forbidding recourse to  XXXX  in the
statute itself, or impliedly, by creating a comprehensive enforcement scheme that is
incompatible with individual  XXXX  enforcement, XXXX XXXX XXXX, 512 U. S. 107, 133. XXXX XXXX  (b) Respondents have not established that XXXX XXXX gives them individually
enforceable federal rights. In prior cases, the Court has been able to determine whether or
XXXX XXXX XXXX XXXX
Page XXXX of XXXX
not a statute created such rights because the plaintiffs articulated, and lower courts
evaluated, welldefined claims. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 479 U. S. 418, 430. Here, respondents have not identified with particularity the
rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry.
That court erred in apparently holding that individuals have an enforceable right to
"substantial compliance" with XXXX XXXX in all respects. The statutory "substantial
compliance" requirement, see, e. g., 42 U. S. C.  609(a)(8) (1994 ed., Supp. II), does not give
rise to individual rights; it was not intended to benefit individual children and custodial
parents, but is simply a yardstick for the Secretary to measure the systemwide performance
of a State's XXXX XXXX  program, allowing her to increase the frequency of audits and reduce
the State's federal grant upon a finding of substantial noncompliance. The Court of Appeals
also erred in taking a blanket approach to determining whether XXXX XXXX creates rights: It is
readily apparent that many of the provisions of that multifaceted statutory scheme,
including its "substantial compliance" standard and data processing, staffing, and
organizational requirements, do not fit any of the traditional criteria for identifying statutory
rights. Although this Court does not foreclose the possibility that some XXXX XXXX  provisions
give rise to individual rights, the XXXX XXXX  did not separate out the particular rights it
believed arise from the statutory scheme, the complaint is less than clear in this regard, and
it is not certain whether respondents sought any relief more specific than a declaration that
their "rights" were being violated and an injunction forcing petitioner to "substantially
comply" with all of XXXX XXXX provisions. This defect is best addressed by sending the case
back for the District Court to construe the complaint in the XXXX  instance, in order to
determine exactly what rights, considered in their most concrete, specific form, respondents
are asserting. Only by manageably breaking down the 42 U.S. Code  1983 - Civil action for
deprivation of rights Every person who, under color of any statute, ordinance, regulation,
custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to
be subjected, any citizen of the United States or other person within the jurisdiction thereof
to the deprivation of any rights, privileges, or immunities secured by the Constitution and
laws, shall be liable to the party injured in an action at law, suit in equity, or other proper
proceeding for redress, except that in any action brought against a judicial officer for an act
or omission taken in such officers judicial capacity, injunctive relief shall not be granted
unless a declaratory decree was violated or declaratory relief was unavailable. For the
purposes of this section, any Act of Congress applicable exclusively to the District of
Columbia shall be considered to be a statute of the District of Columbia. Credit card Code
15 U.S. Code  1692k - Civil liability Amount of damages Except as otherwise provided
by this section, any debt collector who fails to comply with any provision of this subchapter
with respect to any person is liable to such person in an amount equal to the sum of (1) any
actual damage sustained by such person as a result of such failure; (2) (A) in the case of any
action by an individual, such additional damages as the court may allow, but not exceeding
$XXXX; or (B) in the case of a class action, (i) such amount for each named plaintiff as could
be recovered under subparagraph (A), and (ii) such amount as the court may allow for all
other class members, without regard to a minimum individual recovery, not to exceed the
lesser of $XXXX  or XXXX  per centum of the net worth of the debt collector; and (3) in the case
of any successful action to enforce the foregoing liability, the costs of the action, together
with a reasonable attorneys fee as determined by the court. On a finding by the court that
an action under this section was brought in bad faith and for the purpose of harassment, the
court may award to the defendant attorneys fees reasonable in relation to the work
expended and costs. (b) Factors considered by court In determining the amount of liability
in any action under subsection (a), the court shall consider, among other relevant factors
(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of
noncompliance by the debt collector, the nature of such noncompliance, and the extent to
which such noncompliance was intentional; or (2) in any class action under subsection (a)(2)
(B), the frequency and persistence of noncompliance by the debt collector, the nature of
such noncompliance, the resources of the debt collector, the number of persons adversely
affected, and the extent to which the debt collectors noncompliance was intentional. (c)
Intent A debt collector may not be held liable in any action brought under this subchapter if
the debt collector shows by a preponderance of evidence that the violation was not
intentional and resulted from a bona fide error notwithstanding the maintenance of
procedures reasonably adapted to avoid any such error. (d) Jurisdiction An action to
XXXX XXXX XXXX XXXX
Page XXXX of XXXX
enforce any liability created by this subchapter may be brought in any appropriate United
States district court without regard to the amount in controversy, or in any other court of
competent jurisdiction, within one year from the date on which the violation occurs. (e)
Advisory opinions of Bureau No provision of this section imposing any liability shall apply to
any act done or omitted in good faith in conformity with any advisory opinion of the Bureau,
notwithstanding that after such act or omission has occurred, such opinion is amended,
rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S.
Code  1642 - Issuance of credit cards No credit card shall be issued except in response to
a request or application therefor. This prohibition does not apply to the issuance of a credit
card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation
of debts (a) Notice of debt; contents Within XXXX  days after the initial communication with a
consumer in connection with the collection of any debt, a debt collector shall, unless the
following information is contained in the initial communication or the consumer has paid
the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the
name of the creditor to whom the debt is owed; (3) a statement that unless the consumer,
within thirty days after receipt of the notice, disputes the validity of the debt, or any portion
thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the
consumer notifies the debt collector in writing within the thirty-day period that the debt, or
any portion thereof, is disputed, the debt collector will obtain verification of the debt or a
copy of a judgment against the consumer and a copy of such verification or judgment will
be mailed to the consumer by the debt collector; and (5) a statement that, upon the
consumers written request within the thirty-day period, the debt collector will provide the
consumer with the name and address of the original creditor, if different from the current
creditor. (b) Disputed debts If the consumer notifies the debt collector in writing within the
thirty-day period described in subsection (a) that the debt, or any portion thereof, is
disputed, or that the consumer requests the name and address of the original creditor, the
debt collector shall cease collection of the debt, or any disputed portion thereof, until the
debt collector obtains verification of the debt or a copy of a judgment, or the name and
address of the original creditor, and a copy of such verification or judgment, or name and
address of the original creditor, is mailed to the consumer by the debt collector. Collection
activities and communications that do not otherwise violate this subchapter may continue
during the XXXX-day period referred to in subsection (a) unless the consumer has notified the
debt collector in writing that the debt, or any portion of the debt, is disputed or that the
consumer requests the name and address of the original creditor. Any collection activities
and communication during the XXXX-day period may not overshadow or be inconsistent with
the disclosure of the consumers right to dispute the debt or request the name and address
of the original creditor. (c) Admission of liability The failure of a consumer to dispute the
validity of a debt under this section may not be construed by any court as an admission of
liability by the consumer. (d) Legal pleadings A communication in the form of a formal
pleading in a civil action shall not be treated as an initial communication for purposes of
subsection (a). (e) Notice provisions The sending or delivery of any form or notice which
does not relate to the collection of a debt and is expressly required by XXXX  XXXX, title V of
Gramm-Leach-Bliley Act [15 U.S.C. 6801 et seq.], or any provision of Federal or State law
relating to notice of data security breach or privacy, or any regulation prescribed under any
such provision of law, shall not be treated as an initial communication in connection with
debt collection for purposes of this section. 15 U.S. Code  1681q - Obtaining information
under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully
obtains information on a consumer from a consumer reporting agency under false
pretenses shall be fined under XXXX XXXX imprisoned for not more than XXXX  years, or both. To
who it may concern , After viewing a copy of my credit report, I noticed a collection account
placed on my credit report from you in XXXX  I am requesting that you allow me to validate
the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am
seeking the name and hospital/medical provider to which I owe the debt and a detailed
breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance
Portability and Accountability Act (HIPAA] to protect my privacy and medical records from
third parties. I did not give permission to any of my current or prior medical providers to
release any of my medical information to a third party. I am aware that the HIPAA does
allows the release of limited information about me but anything more is to only be revealed
with the patient's authorization. Therefore, my request is twofold-validation of debt and
XXXX XXXX XXXX XXXX
Page XXXX of XXXX  HIPAA authorization.  Please provide breakdown of fees including any collection costs and
medical charges.  Provide a copy of my signature with the provider of service to release my
medical information to you.Cease any credit bureau reporting until the debt has been
validated by me, Please send this information to my address listed above and accept this
letter, sent certified mail, as my formal debt validation request, which I am allowed under the
FDCPA. Please note that withholding the information you received from any medical
provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you
will be deceiving me after my written request. I request full documentation of what you
received from the provider of service in connection with this alleged debt. Additionally, any
reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of
the Fair Credit Reporting Act, which can allow me to seek damages from a collection
agency. I will await your reply with above requested proof. Upon receiving it, I will
correspond back by certified mail.
I reserved all my rights to amend this Contract the Finance Manager Requested that I give it to the Dealership I have advised the Seller  told the buyer that I XXXX XXXX XXXX Private Individual Banker is a Beneficiary Of my trust and this is a Purchase for my trust XXXX XXXX XXXX XXXX XXXX XXXX request that they  will accept my TENDER OF PAYMENT for settlement of this account to be (balance to .00) on the books and to file IRS FORMS 1099s to properly balance the United States Treasury Debt I have signed this contract and I have not give my rights to amended this contract on Date:XXXX signed by the Beneficiary XXXX XXXX Private Individual Banker ESTATE /TRUST Exempt Form Levy I reserve all my rights WITHOUT RECOURSE UCC1-308 I will be using my credit for this transaction and not paying in cash and I have send my letter to the Finance Manager by email he requested they I send a tender of payment to retrieve my property I need to have cash or a check and which he have received and told me to send it to bank and it been over XXXX  and I have the right to receive my property and use my credit for this transaction and dont have to use cash or and any other payment of XXXX XXXX XXXX XXXX  We the people have the right to use credit or a tender of payment and if its not accepted by the party or Leander or vendor it is discharged by law all debt is obligation to the United States. Your company didnt disclose any truth in lending or cannot show me where I can send it to panties with cash, and I was trying to pay with my internal credit and not actual funds this is my GOD Giving rights and by law show me where it stated in law where I cant use my credit for this transaction or cant use negotiable instruments. I do not consent to your contract for FCRAAs a federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal 15 USC 1602. And I would like conversation for all the violations.
16 CFR  313.1 - Purpose and scope. 
	CFR 
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 XXXX  Purpose and scope.
(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 XXXX XXXX, and 313.15. 
(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.
[65 FR 33677, XXXX XXXX XXXX  as amended at 86 FR 70025, XXXX XXXX XXXX
16 CFR  433.2 - Preservation of consumers' claims and defenses, unfair or deceptive acts or practices. 
	CFR 
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 XXXX  Preservation of consumers' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive  act or practice within the meaning of section XXXX of that  Act for a  seller, directly or indirectly, to:
(a) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type:
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or,
(b) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan (as  purchase money loan is defined herein), unless any consumer credit contract made in connection with such  purchase money loan contains the following provision in at least ten point, bold face, type:
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR