Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12383904
Complaint Overview
Complaint ID: 12383904
Company: F.H. Cann & Associates, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30030
Date Received: 2025-03-08T12:00:00-05:00
Date Sent to Company: 2025-03-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against FH Cann & Associates for unethical credit reporting and potential violations of federal consumer protection laws. They have placed a collection account on my XXXX credit report for a debt that was previously removed after being deemed inaccurate and unverifiable. Their actions raise serious concerns regarding unfair debt collection practices, re-aging of debt, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). A prior company previously reported this alleged debt but later removed it from my credit report, suggesting it was inaccurate. FH Cann & Associates has now repurchased or acquired this same debt and placed it back on my credit report without validation or proper notification. FH Cann & Associates never sent me any formal communication about this debt before reporting it to XXXX. Under 15 U.S.C. 1692g of the FDCPA, they are legally required to provide a written validation notice within five days of first contact, which I never received. I have never had a direct business relationship with FH Cann & Associates, nor do I recognize this debt. Since they have failed to provide any documentation proving their right to collect this debt, this may be an instance of fraud or identity misrepresentation. The FCRA ( 15 U.S.C. 1681c ) prohibits debt collectors from reporting inaccurate or outdated debts. Since this is a re-aged debt, it is a clear violation of my consumer rights. Their inaccurate reporting is harming my credit score and financial standing unfairly. This is a clear case of unfair, deceptive, and potentially illegal debt collection and credit reporting practices. I appreciate your prompt attention to this matter and look forward to your resolution.
Frequently Asked Questions
What is Complaint #12383904 about?
Complaint #12383904 was filed against F.H. Cann & Associates, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-08T12:00:00-05:00.
How did F.H. Cann & 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against F.H. Cann & Associates, INC.?
Yes, visit the F.H. Cann & Associates, INC. company profile at readthecomplaint.com/company/f-h-cann-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.