Debt collection -- Took or threatened to take negative or legal action -- Complaint #10512776
Complaint Overview
Complaint ID: 10512776
Company: J J Marshall & Associates, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Michigan
ZIP Code: 48174
Date Received: 2024-10-19T12:00:00-05:00
Date Sent to Company: 2024-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by J J MARSHALL ASSOCIATES. This complaint concerns a case of identity theft and the failure of J J MARSHALL ASSOCIATES to properly verify the ownership of the debt before reporting it. The key facts of the situation are as follows : The debt in question was originally held by XXXX XXXX XXXX XXXX, which they charged off and subsequently closed. Afterward, XXXX XXXX XXXX XXXX sold the debt to J J MARSHALL ASSOCIATES, a debt buyer. Despite the fact that XXXX XXXX XXXX XXXX had charged off and closed the account, J J MARSHALL ASSOCIATES is now reporting the debt as open and active on my credit report. I requested debt validation from J J MARSHALL ASSOCIATES, and they failed to provide any sufficient proof that this debt belongs to me. It appears that J J MARSHALL ASSOCIATES simply relied on information provided by XXXX XXXX XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. As a result, J J MARSHALL ASSOCIATES is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by J J MARSHALL ASSOCIATES, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. A thorough investigation into the validity of this debt, ensuring that J J MARSHALL ASSOCIATES follows the proper procedures to validate the debt before reporting it on my credit report. Assistance in correcting my credit report, ensuring that the wrongful information reported by J J MARSHALL ASSOCIATES is removed. I have attached relevant documentation, including my request for debt validation, correspondence with.
Frequently Asked Questions
What is Complaint #10512776 about?
Complaint #10512776 was filed against J J Marshall & Associates, INC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-10-19T12:00:00-05:00.
How did J J Marshall & Associates, 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 J J Marshall & Associates, INC?
Yes, visit the J J Marshall & Associates, INC company profile at readthecomplaint.com/company/j-j-marshall-associates-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.