Debt collection -- Attempts to collect debt not owed -- Complaint #5065796
Complaint Overview
Complaint ID: 5065796
Company: Merchants' Credit Guide Company
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Illinois
ZIP Code: 60827
Date Received: 2022-01-03T12:00:00-05:00
Date Sent to Company: 2022-01-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX XXXX COLLEGE but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Frequently Asked Questions
What is Complaint #5065796 about?
Complaint #5065796 was filed against Merchants' Credit Guide Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-03T12:00:00-05:00.
How did Merchants' Credit Guide Company 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 Merchants' Credit Guide Company?
Yes, visit the Merchants' Credit Guide Company company profile at readthecomplaint.com/company/merchants-credit-guide-company 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.