Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7325389
Complaint Overview
Complaint ID: 7325389
Company: Opportunity Financial, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Tennessee
ZIP Code: 381XX
Date Received: 2023-07-30T12:00:00-05:00
Date Sent to Company: 2023-08-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt. so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges. on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services. the debt that is on my credit report does not have a signature associated with this debt as well. even with no signature and the debt blatantly addidng extra charges and fees the credit bureau XXXX and XXXX still reported this on my credit report. how can they have investigated this debt to be true without a signature or original amount. XXXX and XXXX has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from opprotunity financial for being able to report it. these three companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these three are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.
Frequently Asked Questions
What is Complaint #7325389 about?
Complaint #7325389 was filed against Opportunity Financial, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-07-30T12:00:00-05:00.
How did Opportunity Financial, LLC 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 Opportunity Financial, LLC?
Yes, visit the Opportunity Financial, LLC company profile at readthecomplaint.com/company/opportunity-financial-llc 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.