Debt collection -- Written notification about debt -- Complaint #20492851
Complaint Overview
Complaint ID: 20492851
Company: Continental Finance Company, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Arizona
ZIP Code: 85295
Date Received: 2026-03-22T12:00:00-05:00
Date Sent to Company: 2026-03-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This account/debt is now reporting as closed, which is impossible since it was a charge-off that was purchased by a XXXX party collector who never had my permission/consent to purchase/possess my private information, and I definitely " DID NOT '' have any accounts, agreements, or signed contracts giving the XXXX party authorization to collect on the debt or report on the debt with illegally obtained personal information of mine and initiate contact with the credit bureaus and fraudulently edit/delete, alter/change, add/remove, account information which are " EGREGIOUS REPORTING VIOLATIONS and ILLEGAL!!! This account/debt needs to be REMOVED and DELETED IMMEDIATELY considering it was reporting with inaccurate information, so I dispute, and the inaccuracies were changed, or were not changed and remained on my reports, so I made several more disputes again, and finally after however many attempts were made the account is now reporting as closed and shall remain for XXXX years on my credit report starting from an inaccurate closed date all being done by the XXXX party debt collector and not the original creditor!!! HOW DOES THIS TYPE OF FRAUDULENT ILLEGAL ACTIVITY CONTINUE LIKE IT'S STADARD POILCY AMONGST THE CREDIT REPORTING BUREAUS? I ALSO FIND IT EXTREMELY ALARMING THAT I RECEIVED A NOTIFICATION RESPONSE INFORMING ME THAT THE CRA DOESN'T CONDUCT THEIR OWN DEBT VALIDATION PROCESSES, THEY PASS THAT ON TO THE XXXX PARTY DEBT COLLECTORS WHO ARE ALREADY ILLEGALLY REPORTING WITHOUT AUTHORIZATION AND HAVE ALREADY ALTERED OR REAGED THE ACCOUNT INFORMATION TO RESTART THE CLOCK GIVING THEM MORE TIME TO ATTEMPT COLLECTIONS ON THE DEBT. THIS IS A MAJOR CONFLICT OF INTEREST, COMPLETELY BIAS AND NEEDS TO BE INVESTIGATED IMMEDIATELY FOR COMPLETE RESOLUTION AND SOME REFORMED ACTION TAKEN AGAINST THE XXXX PARTY COLLECTORS AND THE CRA 'S AS WELL!!!
Frequently Asked Questions
What is Complaint #20492851 about?
Complaint #20492851 was filed against Continental Finance Company, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2026-03-22T12:00:00-05:00.
How did Continental Finance Company, 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 Continental Finance Company, LLC?
Yes, visit the Continental Finance Company, LLC company profile at readthecomplaint.com/company/continental-finance-company-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.