Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
Company : United Auto Credit XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent numerous letters to this company requesting validation of this account that is reporting. Via XXXX  mail. XXXX, XX/XX/XXXX, and to no avail. They have been non-responsive. ( The last letter that was sent XX/XX/year> w/o response ) This letter is being sent to you due to your erroneous reporting to the credit bureaus this is a negative impact on my personal credit profile. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the fair debt collection practices Act XXXX US section code XXXXG section XXXX ( B ) that your claim is disputed and validation is requested.A XXXX XXXX is not a debt as clearly described by the IRS. A XXXX XXXX is : Gross and Ordinary income ; any type of income generated from regular day to day business operations. Also a XXXX XXXX is not public information. Public information is described as XXXX XXXX, licensing, court records, etc., your company is required to follow FTC, FCRA and congressional laws. 
This is NOT a request for verification or proof of mailing address, but a request for XXXX made pursuant to the above name title and section. I respectfully request your office to provide me with competent evidence that I have any legal obligation to pay you. Where are the required disclosures if this account belongs to me.I have also listed each violations below. Any company conducting business in any state must provide a consumer with the necessary disclosures. I was not provided the XXXX required disclosures by law when conducting business the XXXX.Notice of disclosure XXXXOption to opt out of disclosing information XXXX.Explanation on exercising my rights to opt out. 

Please provide me with the following : What money you say I owe is for, Explain and show how it is calculated, provide me with copies of any papers that show I agreed to pay you what you say I owe with original signatures, and or applications I signed, Prove to me the statue a limitations has not expired on this account. Show me that your license to collect this debt in my state. 

XXXX U.S. Code XXXXsXXXX  - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency XXXX US  CXXXXe, XXXX XXXX ( A ) Obligations with respect to disclosures of personal information. Financial institutions may not directly or through any affiliate or third-party, disclose any non-public information, unless such institution provide the consumer, a a notice of disclosure. 
XXXX USC, XXXX ( A ) ( XXXX ) Opt-Out, financial institution, clearly disclose to the consumer in writing or electronic form that such information may be disclosed USC XXXX ( B ) Opting Out-the consumer is given the opportunity before the time information is disclose. Such disclosure of information will be unlawful.

Company response to consumer: Closed with explanation