Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
PennyMac Loan Services/ PennyMac Investment Trust the company that has Servicing rights for XXXX XXXX XXXX XXXX XXXX and according to their prospectus, They are a XXXX party who has no rights to proceed a Fraud-Clouser process. According to the Privacy Act of 1974,. My information shouldnt be shared with 3rd party without my consent. 15 USC subsection 1681b, Permissible Purposes of consumer report ( 2 ) In accordance with written instructions of the consumer to who, it relates est, i never gave such instructions. As per the law when a charged off is reported, as i have seen 3 different reporting of all Credit Agency which falls up under in accurate reporting and need to be removed from one 's report. According to the IRS manual Section 108 ( 26 CFR 108 ) its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 1022.21 Affiliate marketing opt-out and exceptions. as per 15usc 6802-6805 obligations with respect to disclosure of personal information, PennyMac Loan Service and 3rd party Attorneys are in violation of this very code. I have also sent my opt out notice to the right department in this company and nothing done. I also wasn't aware of any disclosure from this company about 3 days of any rescission.. The tender that secured the loan was sold to a XXXX party debt collector on the Secondary Market, violating its own agreement therefore this should be removed from my personal credit report. Also, 16 CFR Subsection 433.3- PRESERVATION OF CLAIMS AND DEFENSES, ACTS OR PRACTICES, UNFAIR OR DECEPTIVE ACTS * In connection with any Sales or Lease or Goods or Services to Consumers, in or affecting commerce as defines in the Federal Trade Commission Act, It is an unfair or deceptive act or practice within the meaning of section 5 of the act for seller, directly, to Take or receive a consumer credit contract which fails to contain the following provision in at least ten-point, bold face type. 
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. 


15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. See attached credit report for inaccuracies on all 3 reports. Furthermore, a 1099c was also sent to i the consumers address signifying that they obligation on my end has been Cancelled, so why haven't the company report either paid as agreed and stop committing security 's fraud. Furthermore, a Forensic Audit was done on the account of such loan and came back as Security 's fraud will update here for proff of claim and void. See attached All paperwork, \

Company response to consumer: Closed with explanation