Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4917406
Complaint Overview
Complaint ID: 4917406
Company: Americollect
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 480XX
Date Received: 2021-11-16T12:00:00-05:00
Date Sent to Company: 2021-12-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have filed many disputes over the course of two years with Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on multiple accounts ALL of which should not even be reported due to XXXX rights/laws. I have concluded in research that, In connection with its collection activities, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to XXXX. Based on these violations of the FCRA and Regulation V, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and XXXX rights.
Frequently Asked Questions
What is Complaint #4917406 about?
Complaint #4917406 was filed against Americollect regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-11-16T12:00:00-05:00.
How did Americollect 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 Americollect?
Yes, visit the Americollect company profile at readthecomplaint.com/company/americollect 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.