Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding the unauthorized sharing of my personal information with non-affiliate third parties by FLAGSHIP CREDIT ACCEPTANCE. This action is in violation of various federal laws, including but not limited to the Consumer Financial Protection Act ( CFR ), Uniform Commercial Code ( UCC ), Privacy Act of 1974, Family Privacy Act, and the Fair Credit Reporting Act ( FCRA ).

The specific legal references for these violations are as follows : 1. **Consumer Financial Protection Act ( CFR ) and United States Code ( USC ) : ** - 5 USC 552A, 45 CFR 155.260, 15 CFR 325.16, & 21 U.S.C . 371.

2. **Privacy Act of 1974 : ** - The Privacy Act of 1974 prohibits the disclosure of personal information without the consent of the individual. By sharing my personal information with non-affiliate third parties, FLAGSHIP CREDIT ACCEPTANCE has violated the provisions of this act.

3. **Family Privacy Act : ** - The Family Privacy Act safeguards the privacy of individuals and families by regulating the disclosure of personal information. FLAGSHIP CREDIT ACCEPTANCE 's unauthorized sharing of my information is a clear violation of the Family Privacy Act.

4. **15 USC 6802 thru 6805 ( FCRA ) : ** - The Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized disclosure of consumer credit information. FLAGSHIP CREDIT ACCEPTANCE actions are in direct contravention of the FCRA.

5. **15 USC 1681B ( FCRA ) : ** - Section 1681B of the FCRA outlines the conditions under which consumer reports may be furnished. The unauthorized sharing of my personal information constitutes a violation of this section.

Additionally, I must bring to your attention that, by law, FLAGSHIP CREDIT ACCEPTANCE is required to send me an opt-out notice every 30 days, which I have not received. Furthermore, it is imperative to note that by law, FLAGSHIP CREDIT ACCEPTANCE is not supposed to give my information to any non-affiliate third-party companies.

In accordance with the aforementioned legal provisions, I am hereby invoicing FLAGSHIP CREDIT ACCEPTANCE for the sum of XXXX XXXX dollars ( {$1000.00} ) per violation. Please note that each instance of unauthorized sharing of personal information constitutes a separate violation. 

Payment should be made within 30 days of receiving this invoice. Failure to comply with this payment request may result in legal action to seek redress for the damages incurred, including but not limited to pain and suffering for negative adverse actions throughout this time period.

If FLAGSHIP CREDIT ACCEPTANCE fails to rectify this situation within the specified timeframe, I must inform you that I will have no choice but to pursue legal action under 15 US Code 1681 ( Identity theft ) and 16 CFR 433.2.

I expect FLAGSHIP CREDIT ACCEPTANCE to address this matter promptly and take corrective measures to prevent any further unauthorized sharing of personal information. If you require any additional information or clarification, please do not hesitate to contact me in writing. 
Email : XXXX Or by mail. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Revocable Living Trust

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation