Debt collection -- Attempts to collect debt not owed -- Complaint #5944001
Complaint Overview
Complaint ID: 5944001
Company: Creditninja Lending, LLC
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: Texas
ZIP Code: 75028
Date Received: 2022-09-02T12:00:00-05:00
Date Sent to Company: 2022-09-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. XXXX XXXX is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( Credit Ninja and XXXX ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? XXXX is victimizing me. As a result, my applications for Credit card are being denied due to XXXX 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue XXXX and Credit Ninja at a court near to me.
Frequently Asked Questions
What is Complaint #5944001 about?
Complaint #5944001 was filed against Creditninja Lending, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-09-02T12:00:00-05:00.
How did Creditninja Lending, 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 Creditninja Lending, LLC?
Yes, visit the Creditninja Lending, LLC company profile at readthecomplaint.com/company/creditninja-lending-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.