Debt collection -- Attempts to collect debt not owed -- Complaint #18023617
Complaint Overview
Complaint ID: 18023617
Company: Opportunity Financial, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Virginia
ZIP Code: 23434
Date Received: 2025-12-13T12:00:00-05:00
Date Sent to Company: 2026-02-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX I am disputing inaccurate information on my credit report. The item appears on my XXXX XXXX XXXX report under the name XXXX XXXX ] '' with last four of XXXXXXXX XXXX XXXXXXXX account XXXX # XXXX # XXXX, - {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$770.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX # XXXX {$890.00} XXXXXXXX XXXX XXXX XXXX XXXX # XXXX {$1900.00} XXXX. XXXX XXXX XXXX. XXXX # XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX. XXXX # XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX # XXXX - {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX XXXX {$1900.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$770.00} XXXX .. XXXXXXXX XXXXXXXX XXXX account number # XXXX XXXX, - {$2100.00} The information is inaccurate because, I did not accrue these debts., This account does not belong to me, The balance is incorrect, Some of these accounts were included in a bankruptcy, This is identity theft. The person that accrued these debts is no longer in my life. It was done in a prior relationship I had. Not by me. Several items have already been removed from my credit report, but not all that I requested including the XXXX balance items. And I have already sent in FTC reports. I requested that the credit reporting company correct or remove this information, but it remains unchanged. I am now requesting that the CFPB have the credit reporting company, and the furnisher conduct a full FCRA investigation.
Frequently Asked Questions
What is Complaint #18023617 about?
Complaint #18023617 was filed against Opportunity Financial, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-13T12:00:00-05:00.
How did Opportunity Financial, LLC 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 Opportunity Financial, LLC?
Yes, visit the Opportunity Financial, LLC company profile at readthecomplaint.com/company/opportunity-financial-llc 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.