Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6568156
Complaint Overview
Complaint ID: 6568156
Company: Reliable Credit Association, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Washington
ZIP Code: 98225
Date Received: 2023-02-13T12:00:00-05:00
Date Sent to Company: 2023-02-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought charged off account from Reliable credit Associates ( third party creditor ) who was assigned my contact from XXXX XXXX XXXX XXXX who sold a used car from their lot and vechile service contracts and GAP insurance to myself on XX/XX/XXXX. I gave a required down payment and a car for trade-in and was told that the insurance add one were required. Reliable credit Associates bought our contract knowing that we had a prior car repo and deficient balance still owed to them and did so to be predatory I'm their business practices. XX/XX/XXXX the high mileage truck broke down and husband 's job at a hospital in his new career was priority. Of course the fixes were not covered under contract add ons and reliable credit refused any viable solutions. So, we voluntarily gave back this broken down truck that did not run XX/XX/XXXX. 13 months into a 48 month installment contract agreement. XX/XX/XXXX Reliable credit associates bought the car back in the auction and then charged off debt XX/XX/XXXX. This collection agency was in court by XX/XX/XXXX and never validated this debt to this day XXXX. Proper validation notice was to be given before reporting anything on all three credit bureaus. XXXX not knowing who the judgement was from disputed this debt and it was deleted. This company had no right to sue in court and won by default. Using illegal and deceptive business practices. Then continues after winning by default come to find out had not right to sue and no right to report such alleged debt. The damages done to our family over these year 's are more then I can explain or bare. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is a Debt collector has NOT followed the rules about how to contact ME, they can NOT report MY debt to a credit reporting company, IF RULES HAD BEEN FOLLOWED PROPERLY AND Followed ALL OTHER LAWS then they would of had the right to report this illegal judgement on my credit reports. Prove you own this debt, that I owe the debt and that you had the right to sue me?? Prove that reliable credit associates even owned this debt and what is owed before they sold it to you??
Frequently Asked Questions
What is Complaint #6568156 about?
Complaint #6568156 was filed against Reliable Credit Association, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-02-13T12:00:00-05:00.
How did Reliable Credit Association, 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Reliable Credit Association, INC.?
Yes, visit the Reliable Credit Association, INC. company profile at readthecomplaint.com/company/reliable-credit-association-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.