Debt collection -- Written notification about debt -- Complaint #10131460
Complaint Overview
Complaint ID: 10131460
Company: Sentry Credit, INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: South Carolina
ZIP Code: 29607
Date Received: 2024-09-15T12:00:00-05:00
Date Sent to Company: 2024-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear XXXX Credit Request for Deletion of Collection Debt I hope this letter finds you well. I am writing to address an issue regarding a collection account listed under my name and to request its deletion based on specific legal provisions. I understand that the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) outline the rights of consumers concerning debt collection and credit reporting. To summarize the relevant laws : Fair Credit Reporting Act ( FCRA ) : -The FCRA mandates that all information reported to credit bureaus must be accurate, complete, and verifiable. -Under Section 623 of the FCRA, if the information provided by a debt collector is inaccurate or unverifiable, it must be corrected or deleted. -Additionally, Section 605 outlines that negative information, including collection accounts, should be removed from a credit report after seven years from the original delinquency date. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA ensures that debt collectors follow fair practices in their dealings with consumers. This includes providing accurate information about the debt and ceasing collection activities if the debt is disputed or deemed incorrect. If a debt collector fails to validate the debt upon request or continues to report inaccurate information, they are in violation of the FDCPA. Based on the above regulations, I am requesting the deletion of the collection account XXXX XXXX XXXX ( XXXX XXXX ) from my credit report due to [ state the reasone.g., inaccuracy, failure to validate, or expiration of the reporting period ]. I have enclosed relevant documentation supporting my request. Please confirm the receipt of this letter and the steps you will take to resolve this matter. I appreciate your prompt attention to this issue and look forward to your response within the timeframe stipulated by law. Thank you for your cooperation.
Frequently Asked Questions
What is Complaint #10131460 about?
Complaint #10131460 was filed against Sentry Credit, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-09-15T12:00:00-05:00.
How did Sentry Credit, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Sentry Credit, INC.?
Yes, visit the Sentry Credit, INC. company profile at readthecomplaint.com/company/sentry-credit-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.