Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: CO

Complaint narrative:
RE : XXXX XXXX XXXX XXXX of a 15 USC 6802 dispute letter opening : " Dear Consumer, Financial Protection I am writing to formally notify you that I believe SELF.INC have violated my privacy rights under 15 U.S. Code 6802 by disclosing my nonpublic personal information to a nonaffiliated third party without my prior consent. ( XXXX ) .Within XXXX business days Under 15 U.S.C . 1635, in consumer credit transactions where a security interest is retained or acquired in a property used as the principal dwelling, the obligor has the right to rescind the transaction within XXXX business days following consummation or delivery of required information and rescission forms. This right can be exercised by notifying the creditor of the intention to XXXX. The right to rescind applies to certain non-purchase money mortgage loan transactions. ( XXXX ) XXXX15 USC 6802 is a subsection that allows financial institutions to provide nonpublic personal information to nonaffiliated third parties for services or functions on behalf of the institution, including marketing, as long as the institution fully discloses the information and maintains confidentiality through contractual agreements1. The section also outlines notice requirements and opt-out XXXX. 

This Rescission notice is made pursuant to 15 U.S.C. Code 1635 ( a ), as I was never told i had 3 days to rescind the contract agreement. I was never given the notice that comes with all consumer credit transaction. Furthermore, The agent office address Self.Inc. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX never give me the options to opt out of overdraft contract, The Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( FDCPA ), requires debt XXXX to include in collection letters a debt validation notice that advises the debtor of the right to dispute the debt in writing1234. The notice must contain the following information3 : The amount of the debt. 

also they violated my consumer credit rights on credit applications, " 15 USC 6802 dispute letter '' is a letter sent by a consumer to a financial institution, claiming that the institution has violated their privacy rights by disclosing their nonpublic personal information to a third party without proper notice or consent, as outlined under 15 U.S. Code 6802 of the XXXX XXXX XXXX XXXX XXXX which governs consumer financial privacy laws ; essentially, the consumer is disputing the unauthorized sharing of their personal financial information. 
Key points about a 15 USC 6802 dispute letter : Purpose : To notify the financial institution that the consumer believes their privacy rights have been violated by sharing their nonpublic personal information without proper authorization. 
What it should include : consumer credit which is payable by agreement in more than XXXX installments or for which the payment of a finance charge is or may be required, and ( XXXX ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX ( b ) ( XXXX ), XXXX ( b ) ( XXXX ), XXXX ( b ) ( XXXX ), XXXX ( b ) ( XXXX ), and XXXX ( b ) ( XXXX ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than XXXX installments. 
Consumer 's XXXX XXXX i believe in the following Details about the specific disclosure of information that the consumer believes is a violation,15 USC 78m ( q ) ( XXXX ) ( C ) is a section of the United States XXXX that defines the term " payment '' XXXX. The term " payment '' means a payment that is made to further the commercial development of oil, natural gas, or minerals, and is not de minimis. It includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits that the Commission determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals and belongs to United States of America. also XXXX. Criminal liability for willful and knowing violation Section Text Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the XXXX under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 

Source Credit ( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. ) Notice that pursuant to 15 U.S. code 1635 ( b ) : upon receipt of this recission, i am not liable for any finance chargers of other charge, and security intertest become void effective immediately. I would like all and any funds XXXX XXXX XXXX  took from XXXX XXXX XXXX. also, note The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation