Debt collection -- Attempts to collect debt not owed -- Complaint #6648392
Complaint Overview
Complaint ID: 6648392
Company: Ltd Financial Services, L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Arizona
ZIP Code: 85013
Date Received: 2023-03-04T12:00:00-05:00
Date Sent to Company: 2023-03-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( XXXX XXXX XXXX ) has furnished ( 1 ) account on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, amount listed {$560.00}. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. Any further contact by your Agent or Company ( LTD Acquistions LLC ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you.
Frequently Asked Questions
What is Complaint #6648392 about?
Complaint #6648392 was filed against Ltd Financial Services, L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-03-04T12:00:00-05:00.
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 (Debt collection) 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.