Debt collection -- Attempts to collect debt not owed -- Complaint #7770443
Complaint Overview
Complaint ID: 7770443
Company: Continental Finance Company, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Michigan
ZIP Code: 48092
Date Received: 2023-10-28T12:00:00-05:00
Date Sent to Company: 2023-10-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Frequently Asked Questions
What is Complaint #7770443 about?
Complaint #7770443 was filed against Continental Finance Company, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-10-28T12:00:00-05:00.
How did Continental Finance Company, 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Continental Finance Company, LLC?
Yes, visit the Continental Finance Company, LLC company profile at readthecomplaint.com/company/continental-finance-company-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.