Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6062602
Complaint Overview
Complaint ID: 6062602
Company: Ltd Financial Services, L.P.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Kansas
ZIP Code: 66062
Date Received: 2022-10-07T12:00:00-05:00
Date Sent to Company: 2022-10-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
So Ive contacted both of these fraudulent companies regarding fraudulent accounts opened in my name, under my information, on my credit reports, and as such took it upon myself to give them the chance to rectify the situation. First only the XXXX XXXX XXXX XXXX XXXX XXXX XXXX was showing on my credit reports, to which I contacted them via the XXXX for them to remove because I never opened it myself. After doing so, a few weeks later, some collection account, representing this company name LTD Acquisitions LLC added their trade line to my credit reports as well. And stated that it was opened 7 months ago, but they JUST now put it on my credit? Doesnt make sense. Either way, XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter to me detailing, that the account was opened in XXXX and that they found no signs of fraud..And that if I still claim to not have opened it I can send them a copy of my SSN card, my drivers license, and proof of address in XXXX of 2019 ( because that when the fraudulent card account was opened. I will not be sending them my SSN and license.if Im reporting fraud with you all, why in the world would I send copies of that information to you all? It serves no purpose. But I will provide proof of employment AND residency to them in the form of my pay stub to which I was WORKING AND LIVING IN XXXX XXXX XXXX TO BE EXACT. in the month the account was supposedly openedthat is proof enough I didnt open it, I wasnt even living in XXXX during the time frame. I had never heard of this company or the collection company they assigned this account to, but either way I am not liable nor financially responsible for said account, So BOTH TRADE LINES ( XXXX XXXX XXXX XXXX and LTD needs to be IMMEDIATELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, XXXX ) or formal litigation will commence, and you and your entities will be sued to the fullest extent of the law allotted. Ive already provided these documents but will do it on here as well. ( Identity Theft Affidavit, Paystub, etc. )
Frequently Asked Questions
What is Complaint #6062602 about?
Complaint #6062602 was filed against Ltd Financial Services, L.P. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-10-07T12:00:00-05:00.
How did Ltd Financial Services, L.P. respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ltd Financial Services, L.P.?
Yes, visit the Ltd Financial Services, L.P. company profile at readthecomplaint.com/company/ltd-financial-services-l-p 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.