Debt collection -- Attempts to collect debt not owed -- Complaint #12700540
Complaint Overview
Complaint ID: 12700540
Company: Unifin INC.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Virginia
ZIP Code: 238XX
Date Received: 2025-03-27T12:00:00-05:00
Date Sent to Company: 2025-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was notified by UNIFIN XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX claiming that I owed a bill from XXXX in the amount of XXXX. I do not know what this is for. The last time I had XXXX was XXXX and anything I owed I paid. Even when I did call them they only said that this was a XXXX account I told them that I do not owe anything with them. They stated that they will look into this and never got back to me. Next thing you know get this letter in the mail about how I still owe. This has already hit my credit and has lowered it. I do have a letter from them even stating that they can not take me to court because it is so old.
Frequently Asked Questions
What is Complaint #12700540 about?
Complaint #12700540 was filed against Unifin INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-03-27T12:00:00-05:00.
How did Unifin 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 Unifin INC.?
Yes, visit the Unifin INC. company profile at readthecomplaint.com/company/unifin-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.