Debt collection -- Attempts to collect debt not owed -- Complaint #5966316
Complaint Overview
Complaint ID: 5966316
Company: Transform Credit INC.
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: California
ZIP Code: 92555
Date Received: 2022-09-09T12:00:00-05:00
Date Sent to Company: 2022-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I reviewed my credit reports and saw this account showing i owed them {$200.00} for a loan I didn't take out in XX/XX/2021. It showed payments of {$5.00} was made in store in Michigan, I live in California and I never opened an account with them. I disputed the information with all three credit agencie, XXXX and XXXX took them off my report, XXXX did not. I need for the company to be taken off my report. This is not my account, someone used my information to take out a loan in Michigan, please help. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #5966316 about?
Complaint #5966316 was filed against Transform Credit INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-09-09T12:00:00-05:00.
How did Transform Credit 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 Transform Credit INC.?
Yes, visit the Transform Credit INC. company profile at readthecomplaint.com/company/transform-credit-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.