Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (MN)

I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. 
United Auto Credit The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at ( XXXX XXXX XXXX ) in ( XXXXXXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. 
( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

( XXXX XXXX XXXX ) did not disclose this information to me that is required by federal law. 
( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.

Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 
15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for anycreditorto discriminate against anyapplicant, with respect to any aspect of acredittransaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided theapplicanthas the capacity to contract ) ; ( 2 ) because all or part of theapplicants income derives from any public assistance program ; or ( 3 ) because theapplicanthas in good faith exercised any right under this chapter. 



Best Regards XXXX XXXX