Date Received: 2018-11-04T00:00:00.000
Product: Mortgage debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
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Consumer Complaint: ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information.
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me.
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor ‘s part and I am formally requesting an investigation into these items.
Hunter Warfield Amount : {$6700.00} Original Creditor : XXXX XXXX at XXXX XXXX The account was dispute directly with the collection agency. It has been 120 days with no validation of debt. Original request for validation was sent on XX/XX/2018. This account has also been DISMISSED in court. All pending charges have been dismissed. Please see attached documentation provided by XXXX County Court House.
By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble.
Please DELETE the above account as quickly as possible.
Sincerely, XXXX XXXX
Company: Hunter Warfield, Inc.
State/Zip: TX 750XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3065206
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.
Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
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