Debt collection -- False statements or representation -- Complaint #10892220
Complaint Overview
Complaint ID: 10892220
Company: Credit CORP Solutions INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Arizona
ZIP Code: 85374
Date Received: 2024-11-21T12:00:00-05:00
Date Sent to Company: 2024-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/2024, regarding my dispute of the alleged debt of {$660.00}, which you are attempting to collect. This letter follows my previous correspondence dated XX/XX/2024, where I disputed the debt and requested verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested a copy of the signed contract associated with this debt, as well as a cease-and-desist from all collection activities, including reporting this matter to credit reporting agencies. Your response does not satisfy my request, and I believe you are in violation of the FDCPA. Let me address the issues in detail : Failure to Provide Verification You have failed to provide the proper verification of the alleged debt. In my initial request, I asked for a signed contract or agreement to substantiate the debt. Instead, you mailed me copies of monthly statements, which are not legally sufficient as they do not represent an agreement or contract between the parties involved. Under the FDCPA, it is an unfair and unconscionable practice to attempt to collect a debt that is not supported by a valid, signed agreement. Failure to Cease Collection Activity In addition, you have failed to comply with my request to cease and desist all collection activity, including the reporting of the alleged debt to consumer credit agencies. Reporting an allegedly disputed debt without proper verification and in violation of my rights is a deceptive and misleading practice under the FDCPA. Your continued reporting of this debt to credit bureaus, despite my dispute, constitutes a violation of the law. Furthermore, I am concerned that my personal information has been shared without my consent. This constitutes an additional violation of my rights under the FDCPA and applicable privacy laws. To summarize, I am requesting the following : Immediate cessation of all collection activity, including any further reporting of the alleged debt to any consumer credit reporting agency. Proper verification of the alleged debt, specifically a copy of the signed contract, as initially requested. Deletion of any and all credit reports related to this alleged debt. Failure to resolve these matters promptly will leave me no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Thank you for your attention to this matter. I expect your prompt and thorough response to my request. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10892220 about?
Complaint #10892220 was filed against Credit CORP Solutions INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-11-21T12:00:00-05:00.
How did Credit CORP Solutions 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 Credit CORP Solutions INC.?
Yes, visit the Credit CORP Solutions INC. company profile at readthecomplaint.com/company/credit-corp-solutions-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.