CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-05-12T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This account XXXX in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXX and updating this information on XX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to XXXX on XX/XX/XXXX per XXXX XXXX. I didn’t receive a notice from XXXX at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but XXXX would send me a printout of incorrect information.

XXXX XXXX sold the account XX/XX/XXXX. On my credit report XXXX indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but XXXX is making it their business to pin it on me. I wasn’t aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and XXXX is re-aging it to XX/XX/XXXX.

I’ve even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..


State/Zip: OH 440XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2904892

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

See also  Penn Credit Corporation - CFPB Complaint ID 2949540

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