Date Received: 2018-06-30T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.


State/Zip: WV 258XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2950349

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.

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