Debt collection -- Attempts to collect debt not owed -- Complaint #16118541
Complaint Overview
Complaint ID: 16118541
Company: Sparrow Financial, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 30680
Date Received: 2025-09-21T12:00:00-05:00
Date Sent to Company: 2025-09-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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 XXXX XXXX Re : Identity Theft Dispute Request for Blocking of Fraudulent Information ( 15 U.S.C. 1681c-2 ) Related to : XXXX Data Incident / Breach To Whom It May Concern : I am writing to notify you that I am the victim of identity theft resulting from the XXXX data breach. I did not authorize the accounts, inquiries, or other activity listed previously, and I hereby dispute any and all information on my credit file that was created or affected by that unauthorized access. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I request that you immediately block from my credit file all information relating to the fraudulent accounts and inquiries arising from the XXXX data breach that are not clearly attributable to me. Enclosed with this correspondence are copies of the following supporting documents : XXXX. A copy of my Identity Theft Report from IdentityTheft.gov ( or the police report, if applicable ). XXXX. A copy of a government-issued photo identification ( driver 's license ). XXXX. Proof of my current address ( utility bill / bank statement ). XXXX. Any other documentation I have that supports my claim of identity theft. Please treat this matter with the urgency it requires. I request that you : 1. Block the fraudulent information from my credit file under 15 U.S.C. 1681c-2. 2. Conduct a thorough and timely investigation and provide me with the results in writing. XXXX. Provide a written confirmation that the fraudulent items have been blocked/removed. XXXX. Place an extended fraud alert on my credit file. XXXX. Provide me with an updated copy of my credit report showing the results of your investigation. My contact information is listed above ; you may reach me by phone at XXXX or by email at XXXX for any necessary follow-up. I appreciate your prompt attention to this serious matter. Sincerely, ______________________________ XXXX XXXX
Frequently Asked Questions
What is Complaint #16118541 about?
Complaint #16118541 was filed against Sparrow Financial, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-09-21T12:00:00-05:00.
How did Sparrow Financial, 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 Sparrow Financial, INC.?
Yes, visit the Sparrow Financial, INC. company profile at readthecomplaint.com/company/sparrow-financial-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.