Debt collection -- Threatened to contact someone or share information improperly -- Complaint #13629130
Complaint Overview
Complaint ID: 13629130
Company: Valley Credit Service, INC. (Or)
Product: Debt collection
Sub-Product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted your employer
State: Oregon
ZIP Code: 970XX
Date Received: 2025-05-20T12:00:00-05:00
Date Sent to Company: 2025-05-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There garnishing my wages for a debt from a valley credit service I do not owe them anything don't know of them and never heard of them I can not afford another garnishment as I won't be able to afford to live or survive and be able to live this judgement was from 2006 and I was never informed or got anything from them trying to collect a debt I have no knowledge of anything about any of it. I would like the fair credit act to be established on this and I can not accept anything else from this company I have no money I have no assets I have no property and I'm already living in poverty and have a family to provide for and feed and keep a roof over are heads I live check by check and barley scrapping by I can't afford anything and am working my life away just to stay afloat in life I can not express myself enough to be able to survive this life fraud or something or someone is using my name and several things on my credit report are not from my doing and have been trying to get them removed from my report because there not accurate and was not done by my self please do not confuse myself with relatives of the same name or anything like that please don't make my life any harder than it already is going in going threw enough as is my bf health is not good and medical bills alone and insurance and rent and other bills have drowned me out I can't even make ends meet at all with how high all prices are and garnishing so one for a bill that's not even if there knowledge should be a crime
Frequently Asked Questions
What is Complaint #13629130 about?
Complaint #13629130 was filed against Valley Credit Service, INC. (Or) regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2025-05-20T12:00:00-05:00.
How did Valley Credit Service, INC. (Or) 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 Valley Credit Service, INC. (Or)?
Yes, visit the Valley Credit Service, INC. (Or) company profile at readthecomplaint.com/company/valley-credit-service-inc-or 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.