Debt collection -- Attempts to collect debt not owed -- Complaint #14231970
Complaint Overview
Complaint ID: 14231970
Company: Continental Finance Company, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Iowa
ZIP Code: 52806
Date Received: 2025-06-21T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Letter to XXXXXXXX XXXX XXXX XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Fraudulent Inquiries & Identity Theft Immediate Action Requested Under FCRA 1681c-2 ( Section 605B ) Dear XXXX XXXX XXXX, I am formally requesting the immediate removal of unauthorized hard inquiries and account entries from my XXXX credit file. I did not authorize any of the listed inquiries and was not applying for credit at the time they occurred. I believe my information was compromised due to a XXXX XXXX XXXX breach that exposed sensitive data including names, phone numbers, and Social Security numbers. These inquiries and accounts do not reflect my credit activity and were added without my knowledge or consent. As outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block all information resulting from identity theft within four business days once sufficient documentation has been submitted. Included Documentation : FTC Identity Theft Report Signed Statement of Dispute Copy of my XXXX credit report ( with fraudulent inquiries highlighted ) Copy of government-issued ID Copy of Social Security card Proof of current address Brief statement noting XXXX XXXX XXXX XXXX compromise Reference to FCRA 1681c-2 in this letter Unauthorized Hard Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block and remove all unauthorized entries and confirm the investigation results in writing. If these inquiries and accounts are not removed, I will escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. Thank you for your immediate attention. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14231970 about?
Complaint #14231970 was filed against Continental Finance Company, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-06-21T12:00:00-05:00.
How did Continental Finance Company, LLC 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 Continental Finance Company, LLC?
Yes, visit the Continental Finance Company, LLC company profile at readthecomplaint.com/company/continental-finance-company-llc 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.