CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-06-03T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX/XXXX XXXX is reporting a claim on my credit report which is showing as a derogatory charge-off with {$0.00} balance- the debt has been paid in full and they continue to report it derogatory.
I sent a certified letter to the company that was delivered on XX/XX/XXXX as formal notice the claim is disputed.

First off, I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the ” validation ” ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ).

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don’t owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry.

I included a second letter in the same certified envelope that was delivered XX/XX/XXXX-to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account.

In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

See also  Navient Solutions - CFPB Complaint ID 3046794

As of today, the account and derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on.

I have attached to this complaint the 2 certified letters I sent to the company, copy of the delivery confirmation receipt, information/account status being reported by the company to XXXX, XXXX & XXXX as of XX/XX/XXXX.


State/Zip: NC 284XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2924997

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.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

About the author

Research Department

Here is where you will find important stories located from around the web which can impact you and your financial life.

Scroll to Top