Debt collection -- Attempts to collect debt not owed -- Complaint #19022242
Complaint Overview
Complaint ID: 19022242
Company: Adir International LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Nevada
ZIP Code: 89122
Date Received: 2026-01-26T12:00:00-05:00
Date Sent to Company: 2026-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Inaccurate Credit Reporting / Identity Theft Company : La Curacao Issue : Credit reporting error Account does not belong to me Desired Resolution : Immediate deletion from XXXX XXXX XXXX XXXX Complaint Description : I am filing this complaint against La Curacao for violating the Fair Credit Reporting Act ( FCRA ) by reporting an account on my credit reports that does not belong to me. I have reviewed my credit reports and discovered an account being reported by La Curacao that I did not open, authorize, or have any knowledge of. Upon contacting La Curacao directly, their representatives confirmed that they can not locate or verify any account under my name or information. Despite this, the account continues to be reported on my credit reports. Because this account is fraudulent, I placed a fraud alert on my credit file. However, even after taking this step and notifying La Curacao, the inaccurate account remains on my credit reports, causing ongoing harm to my creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information are required to report only accurate and verifiable information and must promptly correct or delete information that can not be verified. Since La Curacao has acknowledged that they can not find or validate this account, they have no legal basis to continue reporting it. Their failure to remove this unverifiable and fraudulent account constitutes negligent or willful noncompliance with federal credit reporting laws. I am requesting the following actions immediately : Permanent deletion of this fraudulent account from XXXX XXXX XXXX XXXX Written confirmation that La Curacao has instructed all credit bureaus to remove the account Assurance that La Curacao will cease reporting this inaccurate information If this matter is not resolved promptly, I request that the CFPB take appropriate enforcement action to ensure compliance with federal law. Thank you for your assistance in resolving this serious credit reporting violation.
Frequently Asked Questions
What is Complaint #19022242 about?
Complaint #19022242 was filed against Adir International LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-26T12:00:00-05:00.
How did Adir International LLC 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 Adir International LLC?
Yes, visit the Adir International LLC company profile at readthecomplaint.com/company/adir-international-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.