Debt collection -- Written notification about debt -- Complaint #10762968
Complaint Overview
Complaint ID: 10762968
Company: Triverity, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Illinois
ZIP Code: 60103
Date Received: 2024-11-11T12:00:00-05:00
Date Sent to Company: 2024-11-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against TriVerity , Inc., regarding their handling of a debt they claim I owe to XXXX XXXX XXXX. Despite my previous requests for complete debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, TriVerity , Inc. has failed to provide the required documentation to substantiate the legitimacy and accuracy of the debt. This debt has been reported to the credit bureaus without proper validation, thereby negatively impacting my credit report. Summary of My Requests and TriVerity, Inc.s Response : Debt Validation Request Sent and Received : On XX/XX/year>, I sent a certified debt validation request to TriVerity , Inc. , which they received. I requested complete validation of the debt, including essential information such as the original creditors name and address, details regarding the debt transfer, dates of delinquency and default, a detailed breakdown of charges, verification of the applicable statute of limitations, and proof of TriVerity , Inc.s authorization to collect debts in Illinois . TriVerity , Inc.s response to this request has been insufficient, providing only a bill from XXXX XXXX XXXX with no further supporting documentation. Lack of Adequate Response and Documentation : As of this complaint date, TriVerity , Inc. has not provided the documentation required to validate this debts legitimacy as per 15 U.S.C. 1692g. This lack of response does not comply with FDCPA requirements, which mandate that collectors cease collection activities until adequate debt validation has been provided. Debt Reporting to Credit Bureaus in Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Despite failing to validate the debt, TriVerity , Inc. has reported it to credit bureaus, resulting in negative entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, reporting a debt without adequate validation constitutes a potential violation, as it could result in the transmission of inaccurate or unverified information.
Frequently Asked Questions
What is Complaint #10762968 about?
Complaint #10762968 was filed against Triverity, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-11-11T12:00:00-05:00.
How did Triverity, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Triverity, INC.?
Yes, visit the Triverity, INC. company profile at readthecomplaint.com/company/triverity-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.