Debt collection -- False statements or representation -- Complaint #5303987
Complaint Overview
Complaint ID: 5303987
Company: Armed Forces Loans Of Nevada INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: North Carolina
ZIP Code: 28214
Date Received: 2022-03-09T12:00:00-05:00
Date Sent to Company: 2022-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have been actively disputing an account with Armed Forces Loans for quite some time now. I recently began cleaning up my credit and notice, AFL was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and AFL verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show AFL was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, AFL updated my credit file as of XX/XX/XXXX, closing the account rather than deleting it, and again with inaccurate data. XXXX is reporting Highest Balance as {$0.00}, 88 % left to pay on loan and XX/XX/XXXX days late as XX/XX/XXXX, other files show {$4000.00} with 67 % left and XX/XX/XXXX days late as XXXX. Instead of correcting the data, AFL chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by continously validating inaccurate data. Please remove from my credit file.
Frequently Asked Questions
What is Complaint #5303987 about?
Complaint #5303987 was filed against Armed Forces Loans Of Nevada INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-03-09T12:00:00-05:00.
How did Armed Forces Loans Of Nevada 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Armed Forces Loans Of Nevada INC.?
Yes, visit the Armed Forces Loans Of Nevada INC. company profile at readthecomplaint.com/company/armed-forces-loans-of-nevada-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.