Debt collection -- Attempts to collect debt not owed -- Complaint #6543663
Complaint Overview
Complaint ID: 6543663
Company: First Advantage Lns INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Maryland
ZIP Code: 21236
Date Received: 2023-02-07T12:00:00-05:00
Date Sent to Company: 2023-02-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) ( 2 ) The term debt collector excludes : ( i ) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditors name ; ( ii ) Any person while acting as a debt collector for another person This account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.
Frequently Asked Questions
What is Complaint #6543663 about?
Complaint #6543663 was filed against First Advantage Lns INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-02-07T12:00:00-05:00.
How did First Advantage Lns INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 First Advantage Lns INC.?
Yes, visit the First Advantage Lns INC. company profile at readthecomplaint.com/company/first-advantage-lns-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.