Debt collection -- Took or threatened to take negative or legal action -- Complaint #5456988
Complaint Overview
Complaint ID: 5456988
Company: Smith, Rouchon & Associates, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Mississippi
ZIP Code: 39157
Date Received: 2022-04-17T12:00:00-05:00
Date Sent to Company: 2022-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX ) any right to collect on this alleged debt.
Frequently Asked Questions
What is Complaint #5456988 about?
Complaint #5456988 was filed against Smith, Rouchon & Associates, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-04-17T12:00:00-05:00.
How did Smith, Rouchon & Associates, 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 Smith, Rouchon & Associates, INC.?
Yes, visit the Smith, Rouchon & Associates, INC. company profile at readthecomplaint.com/company/smith-rouchon-associates-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.