Consumer complaint received 2024-03-22 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: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Though there was not a very transparent presentation of a continuing and affirmative obligation being in cooperation with cited rules. I still Attempted to send an opt out letter to provide the company with a chance to correct their actions nevertheless when i attempted to follow up on the opt out letter the company claimed they did not receive it, I'm also aware that a title and/or corporate entity has no responsibility to respond apart from the trustee so I made the attempt to contact the company to gather the contact information of the trustee many attempts led to no success. At this point after making a report previously to no avail i enacted a investigation to gain information on the company to my finding which were not much i am certain that the company is simply not legit on any standing there is no filing with the Securities Exchange Commision and the most recent filing with the Arizona Department of Financial Institutions Reflected that their license as a Sales Finance Company Has been expired since 2019 and i contracted with them XXXX. I am sincerely concerned. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' AUTO NOW FINANCIAL SERVICES INC the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and core logic do not have my consent to furnish this information and they surely do not have my written consent and at any point there was consent it has been revoked or have directly opted out as expressed above. Any and all consent whether it be verbal, non-verbal, written, implied or otherwise has been revoked. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anteaters the report by more than seven years. '' 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' In Accordance with these codes and laws expressed above Auto now financial Services Inc is in direct violation, not only on the reporting itself including transactional history which is illegal and must be updated to paid as agreed but the inaccuracies of the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation