Debt collection -- Attempts to collect debt not owed -- Complaint #13052100
Complaint Overview
Complaint ID: 13052100
Company: Associated Credit Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 11434
Date Received: 2025-04-17T12:00:00-05:00
Date Sent to Company: 2025-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Regarding Fraudulent Collection Account - Demand Immediate Deletion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent collection account that has appeared on my credit report. This account is listed as follows : * Collection Agency : ASSOCIATED CREDIT SE * Original Creditor ( Reported ) : XXXX XXXX XXXX Reported Date : XX/XX/2025 * Account Balance : {$750.00} I have absolutely no knowledge of this debt and have never opened an account or incurred any charges with XXXX XXXX that would result in a collection. I believe that my personal information may have been compromised and used to create this fraudulent account. This inaccurate and fraudulent information is negatively impacting my credit report and causing me significant concern. I demand a thorough investigation into this matter and request your assistance in achieving the immediate deletion of this fraudulent account from my credit report. I have also taken the following actions : * Filed a dispute with each of the three major credit bureaus ( XXXX XXXX XXXX XXXX ) regarding this fraudulent account. * Sent a certified letter to ASSOCIATED CREDIT SE demanding validation of this alleged debt and requesting its deletion from my credit report. I have attached a copy of my credit report showing this fraudulent account as evidence. I request that the CFPB investigate ASSOCIATED CREDIT SE and XXXX XXXX regarding this matter and take appropriate action to ensure the accuracy of my credit report and prevent further fraudulent activity. Thank you for your time and assistance in resolving this serious issue. I look forward to your prompt response and action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13052100 about?
Complaint #13052100 was filed against Associated Credit Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-17T12:00:00-05:00.
How did Associated Credit Services, 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 Associated Credit Services, INC.?
Yes, visit the Associated Credit Services, INC. company profile at readthecomplaint.com/company/associated-credit-services-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.