Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I XXXX XXXX am submitting this complaint on my own without a third party and would like for the CFPB to allow me the consumer to excise my rights without being discriminated against. I dispute this allege loan as fraud and inaccurate because I entered a consumer credit transaction/simple finance charge. Nissan Motor Acceptance Company LLC is under the presumption I XXXX XXXX the consumer has an obligation to Nissan Motor Acceptance Company LLC, without having a contract with my nor Nissan Motor Acceptance Company LLC signature to engage in business therefor no legally bonding obligations. Instead, Nissan Motor Acceptance Company LLC has sent a contract between XXXX XXXX and XXXX XXXX which Nissan Motor Acceptance Company LLC is a non-affiliate and has no corporate control therefore can not act on the behalf of another see exhibit A1 for proof. 
I have received your correspondence to my complaint filed with the Consumer Financial Protection Bureau XX/XX/2022. In your response you have stated you are a financial institutions please see exhibit B1 for proof, therefor in violation of 15 U.S. Code 6802 Obligations with respect to disclosures of personal information clearly states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. See Exhibit B2, B3 & B4 where my nonpublic personal information was disclosed to the credit reporting agencies ( XXXX, XXXX, XXXX ). Nissan Motor Acceptance Company LLC needs to provide proof that the information was provided to the consumer to excise their rights before reporting. Nissan Motor Acceptance Company LLC have reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ) See Exhibit B2, B3 & B4. Nissan Motor Acceptance Company LLC has taken cash payments in a CONSUMER credit transaction using coercion and unfair debt collection practices to collect alleged debt charging interest and late fees, violations pursuant to 15 USC 1692f. 
Nissan Motor Acceptance Company LLC has stated XXXX XXXX assigned their interest in the contract to them see exhibit C1. I now demand Nissan Motor Acceptance Company LLC provide documentary evidence of the novation agreement with all three parties signature giving consent for the transfer of the contract/ negotiable instrument to avoid running the risk of fraud and violations to my rights of privacy as a consumer, of Nissan Motor Acceptance Company LLC attaining my nonpublic personal information without my consent would be identity theft. This significant constructure fraud pertaining to this matter further causes me the consumer to question Nissan Motor Acceptance Company LLC merit when they have placed a lien on my vehicle without having proof of a contract with all three parties consenting for them to have interest in the matter and disclosing my nonpublic personal information without complying with federal laws to protect the consumer.