Debt collection -- Attempts to collect debt not owed -- Complaint #15985614
Complaint Overview
Complaint ID: 15985614
Company: Penn Credit Corporation
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: North Carolina
ZIP Code: 27405
Date Received: 2025-09-16T12:00:00-05:00
Date Sent to Company: 2025-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing several inquiries and collection accounts that are appearing on my credit report. 1. XXXX XXXX An inquiry was reported on XX/XX/XXXX. I did not authorize this inquiry, nor did I apply for any new credit with XXXX XXXX around that date. 2. XXXX An inquiry was reported on XX/XX/XXXX. I did not authorize or apply for any services that would have involved XXXX. 3. XXXX, XXXX, XXXXXXXX XXXX Multiple inquiries were reported on XX/XX/XXXX. I did not authorize these inquiries. I did not apply for loans or credit with any of these companies. 4. XXXX An inquiry was reported on XX/XX/XXXX. I did not apply for or authorize any account with XXXX at that time. 5. XXXX XXXX XXXX Reported a collection account on XX/XX/XXXX for {$630.00}. I do not recognize this debt and have not received validation or documentation supporting that I owe this amount. 6. XXXX XXXX XXXX Reported a collection account on XX/XX/XXXX for {$73.00}. I do not recognize this debt and have not received any validation or proof of this account. Actions taken by me : I reviewed my credit reports and confirmed these inquiries and accounts. I have not authorized or initiated these accounts or inquiries. I am requesting that the credit bureaus and the companies involved investigate these matters. Requested resolution : Please remove any unauthorized or fraudulent inquiries. Please provide full validation for the reported collection accounts ( including the original creditor, dates of service, and signed documentation ). If the companies can not provide validation, I request the immediate removal of these accounts from my credit file.
Frequently Asked Questions
What is Complaint #15985614 about?
Complaint #15985614 was filed against Penn Credit Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-09-16T12:00:00-05:00.
How did Penn Credit Corporation 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 Penn Credit Corporation?
Yes, visit the Penn Credit Corporation company profile at readthecomplaint.com/company/penn-credit-corporation 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.