Debt collection -- Attempts to collect debt not owed -- Complaint #17919216
Complaint Overview
Complaint ID: 17919216
Company: Oportun Financial Corporation
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 33023
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the collection account being reported by OPORTUN/XXXX XXXX, which does not belong to me and appears to be the result of identity theft. This account is inaccurate, unverifiable, and being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. On XX/XX/XXXX, I contacted OPORTUN/XXXX XXXX and requested validation of the alleged debt, including : Documentation bearing my wet-ink signature that allegedly authorized or initiated this account ; Verification of their legal right to collect, as required under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). To date, no documentation or verification has been provided. Under the FCRA : 15 U.S.C. 168li ( a ) requires consumer reporting agencies ( CRAs ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. 15 U.S.C. 1681s-2 ( a ) prohibits furnishers ( such as collection agencies ) from reporting information they know or should know is inaccurate. 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct an investigation and provide verification once a dispute is received from a CRA. 15 U.S.C. 1681c-2 ( Section 605B ) provides consumers the right to block information resulting from identity theft. I also provided FTC Report Number : XXXX
Frequently Asked Questions
What is Complaint #17919216 about?
Complaint #17919216 was filed against Oportun Financial Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
How did Oportun Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Oportun Financial Corporation?
Yes, visit the Oportun Financial Corporation company profile at readthecomplaint.com/company/oportun-financial-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.