Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4815454
Complaint Overview
Complaint ID: 4815454
Company: Io, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Virginia
ZIP Code: 236XX
Date Received: 2021-10-16T12:00:00-05:00
Date Sent to Company: 2021-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what RECEIVABLES MANAGEMENT is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that RECEIVABLES MANAGEMENT is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by XXXX, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, RECEIVABLES MANAGEMENT must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to RECEIVABLES MANAGEMENTs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against RECEIVABLES MANAGEMENT I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.
Frequently Asked Questions
What is Complaint #4815454 about?
Complaint #4815454 was filed against Io, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-10-16T12:00:00-05:00.
How did Io, 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Io, INC.?
Yes, visit the Io, INC. company profile at readthecomplaint.com/company/io-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.