Debt collection -- False statements or representation -- Complaint #16531467
Complaint Overview
Complaint ID: 16531467
Company: Meridian Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Indicated you were committing crime by not paying debt
State: Texas
ZIP Code: 77494
Date Received: 2025-10-12T12:00:00-05:00
Date Sent to Company: 2025-10-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Meridian Financial Services is reporting a collection account that I have no knowledge of and did not authorize. The account shows as a joint account opened on XX/XX/year> for {$2200.00} with XXXX XXXX XXXX as the original creditor. I have never received any notice, billing, or documentation regarding this account. I disputed it with XXXX on [ insert dispute date ], but the result on [ insert result date ] was Verified as Accurate, despite the fact that no proof of the debt or supporting documentation was provided to me. I am requesting that Meridian provide full validation of the debt ( including original signed agreements and account documentation ) or immediately delete this account from all credit bureaus. Their current reporting is inaccurate and causing harm to my credit. This reporting appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) due to lack of proper notice and failure to validate.
Frequently Asked Questions
What is Complaint #16531467 about?
Complaint #16531467 was filed against Meridian Financial Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-12T12:00:00-05:00.
How did Meridian Financial 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 Meridian Financial Services, INC.?
Yes, visit the Meridian Financial Services, INC. company profile at readthecomplaint.com/company/meridian-financial-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.