Debt collection -- Attempts to collect debt not owed -- Complaint #12990551
Debt Collector Pursues Wrong Individual
Complaint Overview
Complaint ID: 12990551
Company: American Coradius International LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: North Carolina
ZIP Code: 28224
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Phone
Risk Assessment
Risk Level: medium
The risk is medium because while the debt may not be owed by the consumer, the collection agency's actions could still lead to reputational damage and potential regulatory scrutiny if not handled properly.
Consumer Sentiment: negative
Topics: Debt collection, Improper debt collection, Debt validation
AI Analysis
CFPB complaint 12990551 was filed against American Coradius International LLC regarding Debt collection (Other debt), specifically about "Attempts to collect debt not owed". A consumer reported that American Coradius International LLC attempted to collect a debt that was not theirs. The complaint was received on March 31, 2025 from North Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should clearly communicate in writing that the debt is not theirs and request validation of the debt to prevent further improper collection attempts.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from attempting to collect debts from individuals who do not owe them.
Regulatory Insight
This case highlights the importance of thorough vetting by debt collectors to ensure they are pursuing the correct individuals, as misidentification can lead to FDCPA violations.
Resolution Likelihood
likely
State-Specific Consumer Protections
In North Carolina, consumers have rights under state laws that may offer additional protections against unfair or deceptive debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where errors in identifying the correct debtor can occur, leading to disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12990551 about?
CFPB complaint 12990551 involves Debt collection (Other debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against American Coradius International LLC on March 31, 2025.
Which company is complaint 12990551 filed against?
Complaint 12990551 was filed against American Coradius International LLC. You can view all complaints against this company on their profile page at /company/american-coradius-international-llc.
What was the company's response to complaint 12990551?
American Coradius International LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12990551 filed?
Complaint 12990551 was received by the CFPB on March 31, 2025. It was sent to American Coradius International LLC on May 7, 2025.
What state was complaint 12990551 filed from?
Complaint 12990551 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 12990551?
Dispute information is not available for complaint 12990551.
What product category is complaint 12990551 about?
Complaint 12990551 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.
How was complaint 12990551 submitted?
Complaint 12990551 was submitted via Phone. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12990551?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from attempting to collect debts from individuals who do not owe them. This relates to a Debt collection complaint against American Coradius International LLC involving "Attempts to collect debt not owed".
How likely is complaint 12990551 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12990551?
This complaint is rated as medium risk. The risk is medium because while the debt may not be owed by the consumer, the collection agency's actions could still lead to reputational damage and potential regulatory scrutiny if not handled properly.
What regulatory actions apply to complaint 12990551?
This case highlights the importance of thorough vetting by debt collectors to ensure they are pursuing the correct individuals, as misidentification can lead to FDCPA violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 12990551?
Consumers should clearly communicate in writing that the debt is not theirs and request validation of the debt to prevent further improper collection attempts.
Are there state-specific protections for complaint 12990551?
In North Carolina, consumers have rights under state laws that may offer additional protections against unfair or deceptive debt collection practices. This complaint was filed from North Carolina.
How does complaint 12990551 compare to industry norms?
This situation is common in the debt collection industry, where errors in identifying the correct debtor can occur, leading to disputes.
What steps should a consumer take if a debt collector contacts them about a debt they do not owe?
The consumer should immediately notify the debt collector in writing that they do not owe the debt and request debt validation. They should also keep records of all communication.
What are the potential consequences for a debt collector who attempts to collect a debt from the wrong person?
A debt collector attempting to collect a debt from the wrong person may face violations of the FDCPA, leading to potential lawsuits, fines, and damage to their reputation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.