Debt collection -- Attempts to collect debt not owed -- Complaint #8281548

Complaint Overview

Complaint ID: 8281548

Company: Helvey & Associates, INC., Warsaw, In Branch

Product: Debt collection

Sub-Product: Other debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt was result of identity theft

State: North Carolina

ZIP Code: 28214

Date Received: 2024-02-04T12:00:00-05:00

Date Sent to Company: 2024-02-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

I am writing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) to dispute an item of inaccurate information contained in my credit report, which your company has verified. The inaccurate data in question pertains to the open date associated with the account XXXX listed on my credit report. I have recently obtained a copy of my credit report from XXXX, and upon careful review, it has come to my attention that the open date for the aforementioned account is still inaccurate. I never opened an account with neither XXXX XXXX nor Helvey & Associates in XXXX XXXX XXXXhis discrepancy has a negative impact on my creditworthiness and financial reputation. I have been denied credit and housing due to this error. I believe this error can be traced back XXXX, not the original creditor or a previous debt collector who sold the credit file. However, as the current data verifier, your organization is responsible for ensuring the accuracy of information it furnishes to credit reporting agencies, as outlined in Section 607 ( b ) of the FCRA. Having identified this discrepancy, seeing as though Ive already kindly requested that you investigate and correct this information promptly, I now request this record be removed from my credit file as it is a violation of my rights and can be punishable with a {$1000.00} fine. The FCRA stipulates that consumer reporting agencies must conduct a reasonable investigation within 30 days of receiving a notice of dispute. I can no longer trust that you will undertake this investigation promptly, considering my rights as a consumer and your lawful obligations have already been violated. Please note that the inaccurate reporting of this account 's open date has a direct impact on my creditworthiness, financial standing, and overall consumer experience. Additionally, I request that you inform all credit reporting agencies to whom you have previously provided this erroneous information, as per Section 611 ( a ) ( 1 ) ( A ) of the FCRA. I am sure that you understand the importance of maintaining accurate credit information, not only to protect my rights as a consumer but also to ensure the fair and efficient functioning of our credit reporting system. Thank you for your immediate attention to this matter. I hope that we can resolve this dispute amicably and ensure the accuracy of my credit report. Your cooperation and timely response are greatly appreciated.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Helvey & Associates, INC., Warsaw, In Branch Company Profile
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