Debt collection -- Attempts to collect debt not owed -- Complaint #5681548
Complaint Overview
Complaint ID: 5681548
Company: 4m Collections, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Washington
ZIP Code: 98270
Date Received: 2022-06-17T12:00:00-05:00
Date Sent to Company: 2022-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX, XXXX 2022, Solverity XXXX add a derogatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ACCOUNTS XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Frequently Asked Questions
What is Complaint #5681548 about?
Complaint #5681548 was filed against 4m Collections, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-06-17T12:00:00-05:00.
How did 4m Collections, LLC 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 4m Collections, LLC?
Yes, visit the 4m Collections, LLC company profile at readthecomplaint.com/company/4m-collections-llc 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.