Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18074071
Complaint Overview
Complaint ID: 18074071
Company: Residentcollect, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 76063
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2025, I disputed a collection account from Innovative Recovery with the credit bureau. The bureau marked the account as verified, but no documentation was provided. Innovative Recovery did not supply a contract, billing statements, proof of ownership, or any records showing the debt is valid or belongs to me. I requested verification through the dispute process, but the only response was an automated confirmation with no supporting documents. The account remains on my credit report without proper validation, and I am unable to complete a major purchase because of this inaccurate reporting. I am requesting a full reinvestigation and deletion unless the company can provide actual proof of the debt.
Frequently Asked Questions
What is Complaint #18074071 about?
Complaint #18074071 was filed against Residentcollect, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Residentcollect, 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Residentcollect, INC.?
Yes, visit the Residentcollect, INC. company profile at readthecomplaint.com/company/residentcollect-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.