Debt collection -- Attempts to collect debt not owed -- Complaint #17844632
Complaint Overview
Complaint ID: 17844632
Company: Autovest, L.L.C.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Oregon
ZIP Code: 97124
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing Autovest LLC XXXX XXXX XXXX XXXX for reporting a debt they have not validated and may not legally own. I sent two written validation requests by certified mail requesting ( 1 ) the original contract, ( 2 ) the full accounting ledger, and ( 3 ) the chain of assignment proving ownership. No documents were provided. Despite failing to validate, Autovest continued to report the account to XXXX with contradictory and inaccurate information, including paid 100 %, charge-off, sold to another lender, closed, and derogatory late-payment data at the same time. These codes are impossible together and violate FCRA accuracy and investigation requirements. XXXX shows completed investigation subscriber disagrees, but Autovest never conducted a real investigation or verified anything. This has caused confusion, credit score suppression, and ongoing financial harm.
Frequently Asked Questions
What is Complaint #17844632 about?
Complaint #17844632 was filed against Autovest, L.L.C. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
How did Autovest, L.L.C. respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 Autovest, L.L.C.?
Yes, visit the Autovest, L.L.C. company profile at readthecomplaint.com/company/autovest-l-l-c 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.