Debt collection -- Attempts to collect debt not owed -- Complaint #12100092
Complaint Overview
Complaint ID: 12100092
Company: V And H Portfolio
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 32256
Date Received: 2025-02-16T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Vance & Huffman LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Vance & Huffman LLC consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Vance & Huffman LLC actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Vance & Huffman LLC complies with federal law and provides consumers with the necessary proof of investigation. Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.
Frequently Asked Questions
What is Complaint #12100092 about?
Complaint #12100092 was filed against V And H Portfolio regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-16T12:00:00-05:00.
How did V And H Portfolio 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 V And H Portfolio?
Yes, visit the V And H Portfolio company profile at readthecomplaint.com/company/v-and-h-portfolio 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.