Debt collection -- False statements or representation -- Complaint #17870203
Complaint Overview
Complaint ID: 17870203
Company: Alcar INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75241
Date Received: 2025-11-19T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have identified numerous inaccuracies and inconsistencies associated with the account listed as DRBanks/UPST. The information being reported is not only misleading but appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Federal Trade Commission ( FTC ) regulations. Upon further investigation, I have found that the following data points are being reported inconsistently across the major credit bureaus : High Balance : Reported differently by each bureau, creating confusion about the actual amount. Open Date : Varies across reports, raising concerns about the legitimacy of the accounts origination. Balance Owed : Inconsistent figures make it impossible to determine the true outstanding amount. Closed Date : Conflicting information about whether the account is open or closed. Account Rating and Status : One bureau lists the account as open, another as derogatory, and yet another as closed. Creditor Type : Reported inconsistently, which misrepresents the nature of the account. Payment Status and Amount : Discrepancies in both the status and the reported payment amounts. Date of Last Payment : One bureau reports XXXX, another XXXX inconsistency is unacceptable. Past Due Amount : Reported inaccurately and inconsistently across bureaus. These discrepancies are not only misleading but also damaging to my creditworthiness and ability to secure business opportunities. The conflicting information undermines the integrity of my credit profile and violates my rights as a consumer under federal law.
Frequently Asked Questions
What is Complaint #17870203 about?
Complaint #17870203 was filed against Alcar INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-19T12:00:00-05:00.
How did Alcar 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 Alcar INC.?
Yes, visit the Alcar INC. company profile at readthecomplaint.com/company/alcar-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.