Debt collection -- Attempts to collect debt not owed -- Complaint #4712314
Complaint Overview
Complaint ID: 4712314
Company: First Advantage Corporation
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Vermont
ZIP Code: 05401
Date Received: 2021-09-11T12:00:00-05:00
Date Sent to Company: 2021-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Someone named XXXX XXXX randomly emailed me on XX/XX/XXXX stating, " This is to advise the above subject account is scheduled to be reported to the 3 National Credit Bureaus on or before XX/XX/XXXX. There is still time to resolve the balance prior to reporting. Please call me by Friday XX/XX/XXXX so we may discuss available options. '' The email subject was part of the name of an apartment complex I lived in and moved out of three years ago. The apartment complex is horrible with communication and paperwork so I assumed this was a scam and tried calling them multiple times but never heard back. I received an email from XXXX XXXX on XX/XX/XXXX stating my credit score dropped. I took a look and this company is claiming I owe over $ XXXX ( according to XXXX XXXX. The only information I have is based on assumptions. ). I've literally never paid rent late in my life and don't owe anyone any money. I'd never heard of this company and had never received anything indicating I was past due with any accounts associated with my time living at that apartment complex ( because I don't owe them money ). I have a signed agreement from XX/XX/XXXX releasing me from any future liability with that apartment. The email I received was the first I ever heard anything about a claim to owe money ; the communication failed to state what it's in relation to, who XXXX was working for or with, the amount thought to be owed, or my rights to dispute the supposed debt. I don't know if she even knew my name- the email showed no indication this was actually meant for me. All of that is in direct violation of the Fair Debt Collection Practices Act. I don't even know what this supposed debt is related to. All I know for certain is the subject of the email was part of the name of a former apartment complex I moved out of three years ago.
Frequently Asked Questions
What is Complaint #4712314 about?
Complaint #4712314 was filed against First Advantage Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-11T12:00:00-05:00.
How did First Advantage Corporation 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 First Advantage Corporation?
Yes, visit the First Advantage Corporation company profile at readthecomplaint.com/company/first-advantage-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.