Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7699128
Complaint Overview
Complaint ID: 7699128
Company: Sg And Associates
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 19355
Date Received: 2023-10-14T12:00:00-05:00
Date Sent to Company: 2023-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I lost an apartment back in XXXX and the Sherif office seized furniture and items I could not get moved out due to lack of funds and very little to no help moving out. I was at the time making payments for a few items via a company called XXXX XXXX Lost my job and could not pay it back so the account was closed. 6 + years later XXXX XXXXXXXX sold the debt to an agency called STAFFORD GROUP & ASSOCIATES. I contacted XXXX XXXX and was told the debt is charged off and no longer associated with an existing account. I never contacted STAFFORD GROUP & ASSOCIATES nor agreed to pay or schedule payments for the debt. There's no agreement that binds me with this collection company and I'd like the debt to be removed from my credit report on all 3 bureaus. I'm NOT liable for this dept with XXXX XXXX, I do NOT have a contract with STAFFORD GROUP AND ASSOC, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt as this DEBT with XXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency STAFFORD GROUP AND ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Frequently Asked Questions
What is Complaint #7699128 about?
Complaint #7699128 was filed against Sg And Associates regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-10-14T12:00:00-05:00.
How did Sg And Associates 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 or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Sg And Associates?
Yes, visit the Sg And Associates company profile at readthecomplaint.com/company/sg-and-associates 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.