Consumer complaint received 2025-04-10 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to formally address a serious and unlawful breach of privacy and fiduciary responsibility concerning the unauthorized release and mishandling of my personal, private, and protected information by your organization. This incident, whether by negligence or willful disregard, constitutes multiple violations of federal and state consumer protection laws. 
The conduct displayed reflects a failure to comply with statutes governing consumer data, including but not limited to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  ( XXXX  ), the Truth in Lending Act ( TILA ), the XXXX XXXX XXXX ( XXXX  ), and the Michigan Identity Theft Protection XXXX. 
Your agency is XXXX of several currently under scrutiny for this type of misconduct. The others include XXXX, XXXX, XXXX, XXXX, and XXXX. Each of these agencies is held to high legal and ethical standards for consumer data handling. Any breach is not only a violation of individual rightsit also erodes public trust and invites legal consequence. 
XXXX XXXX XXXX XXXX XXXX for Violations XXXX. FCRA Violations ( 15 U.S.C. 1681n & 1681o ) : Willful violations may result in statutory damages of {$100.00} to {$1000.00} per violation, actual damages, and punitive damages. 

Negligent violations may result in actual damages and attorneys fees. 
XXXX. XXXX XXXX ( XXXX ) : Civil penalties : Up to {$100000.00} per violation for institutions. 

Personal liability : Up to {$10000.00} per violation for directors and officers. 

Criminal penalties : Up to XXXX  years imprisonment, increased to XXXX years for patterns or conspiracies. 
XXXX. FTC XXXX Violations ( Deceptive Practices ) : Civil penalties of up to {$50000.00} per violation per day under FTC enforcement authority. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) : XXXX. 
Tiered monetary penalties : Tier XXXX XXXX XXXX XXXXXXXX for basic violations. 
Tier XXXX XXXX XXXX  XXXX for reckless conduct. 
Tier XXXX XXXX XXXX XXXXXXXX for knowing violations. 
Breach of Contract & Privacy Policies : Remedies include compensatory damages, consequential damages, punitive damages, and injunctive relief to prevent future harm. 
Immediate Demands & Expectations Cease and Desist : Immediately halt any further dissemination of my personal information. 
Full Investigation : Conduct an internal audit to identify all parties who accessed or distributed my information unlawfully. 
Remediation : Provide written assurance of corrective action and steps taken to comply with federal law. 
Response Deadline : A formal, comprehensive response is required within XXXX business days of the date of this notice. 
Failure to address these matters promptly will compel me to initiate legal action and report your agency to appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX  and any other regulatory body with oversight of your operations. 
I reserve all rights, remedies, and actions permitted under law. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681n & 1681o ) Willful Noncompliance ( Section 1681n ) : Statutory damages : {$100.00} to {$1000.00} per violation. 
Actual damages : No cap if the harm can be proven ( financial loss, XXXX XXXX ). 
Punitive damages : Unlimited, based on the severity of the conduct and court discretion. 
XXXX fees and court costs : Recoverable if the consumer prevails. 
Negligent Noncompliance ( Section 1681o ) : Actual damages : Required to be proven. 
XXXX fees : Also recoverable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Protects consumer financial information ) Civil Penalties : Up to {$100000.00} per violation for the institution. 
Officers and directors can be held personally liable up to {$10000.00} per violation. 
Criminal penalties : Individuals may face up to XXXX  years imprisonment and/or fines. 

If the offense involves conspiracy or a pattern, penalties increase to XXXX  years. 
XXXX. Federal Trade Commission XXXX ( FTC XXXX ) Unfair or deceptive acts in commerce Civil Penalties : Up to {$50000.00} per violation per day ( as of XXXX  adjustments ). 

Used when agencies engage in deceptive or misleading practices, including failure to safeguard information. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) XXXX Can impose civil monetary penalties based on the violations severity : Tier XXXX : Up to {$5000.00} per day ( basic violations ). 

Tier XXXX : Up to {$25000.00} per day ( reckless violations ). 

Tier XXXX : Up to {$1.00} XXXX per day ( knowing violations ). 
XXXX. Breach of Contract ( XXXX XXXX ) If theres a contractual agreement ( e.g., privacy policies, terms of service ), and its breached : Compensatory damages : Actual losses. 
Consequential damages : XXXX opportunity, reputation damage, etc. 
Punitive damages : If fraud or malice is involved. 
XXXX relief : Such as rescission or injunction. 
XXXX XXXX XXXX XXXX XXXX for Violations XXXX. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681n & 1681o Statutory damages : {$100.00} {$1000.00} per violation. 
Actual damages : Compensation for documented financial, reputational, and emotional harm. 
Punitive damages : Unlimited potential based on the severity and willfulness of the violation. 

XXXX fees and costs : Recoverable upon prevailing in civil court. 
XXXX. XXXX XXXX ( XXXX ) XXXX fines : Up to {$100000.00} per violation. 

XXXX personal liability : Up to {$10000.00} per violation. 

Criminal penalties : Up to XXXX  years imprisonment for knowing or intentional violations. 
XXXX. Federal Trade Commission XXXX XXXX penalties of up to {$50000.00} per violation, per day, for deceptive or unfair practices. 
XXXX. CFPB Sanctions XXXX monetary penalties ranging from XXXX  XXXX to XXXX  XXXX based on severity and intent. 
XXXX. Breach of Contract / Privacy Policy XXXX remedies include compensatory, consequential, and punitive damages, along with potential injunctive relief. 
Remedies Available to Me If necessary, I am fully prepared to pursue the following legal avenues to assert and defend my rights : a. XXXX Damages ( Civil Remedies ) : Actual damages for financial loss, reputational harm, and emotional distress. 

Statutory damages regardless of proof of harm. 

Punitive damages to penalize and deter willful noncompliance. 

Recovery of attorneys fees and court costs. 
b. Injunctive Relief : A court order may be sought to demand cessation of your unlawful data handling, correction of inaccuracies, and full compliance with reporting regulations. 
XXXX XXXX Complaints : Immediate filings will be submitted to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX, each of which is empowered to impose substantial civil and criminal sanctions. 
d. Class Action Litigation : If a pattern of misconduct emerges, I will initiate or join a class action lawsuit against your agency and any co-conspirators, leveraging collective plaintiff action for maximum impact. 
XXXX and XXXX XXXX XXXX your agency operates among the Big XXXX XXXX credit bureaus, it is critical to note that alternative credit models and decentralized data systems are emerging to reduce dependency on traditional, opaque agencies like yours. In addition, legislative bodies and regulators are aggressively pursuing data privacy reform at both the federal and state level. 
a. Government XXXX : CFPB enforces federal consumer financial protection laws. 

FTC penalizes deceptive or unfair practices. 

XXXX and XXXX  XXXX XXXX are advancing privacy bills to limit credit data misuse. 
b. XXXX XXXX Models : Platforms such as XXXX, XXXX, and XXXX XXXX use consumer-controlled data ( like utilities and rent ) for credit scoring. 

DeFi platforms provide trustless, decentralized credit systems bypassing traditional reporting models. 
XXXX XXXX Empowerment Tools : I am actively utilizing tools such as credit freezes, fraud alerts, ID theft monitoring, and direct disputes to protect and monitor my profile against further abuse. 
Final Notice & Demand for XXXX XXXX You are hereby instructed to : XXXX. XXXX. XXXX. XXXX. Immediately cease all unauthorized sharing or processing of my private data. 
XXXX a thorough internal investigation into this breach. 
Provide a written response within XXXX business days, outlining the scope of the violation, remedial steps taken, and assurance of full compliance moving forward. 
Prepare to cooperate with pending investigations and potential litigation. 
Failure to comply will result in formal legal action, federal complaints, and public exposure of your agencys failure to safeguard consumer rights. 
This letter serves as legal notice. I reserve all rights, remedies, and claims under applicable law.

Company response to consumer: Closed with explanation