Debt collection -- Took or threatened to take negative or legal action -- Complaint #9283434
Complaint Overview
Complaint ID: 9283434
Company: V And H Portfolio
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Tennessee
ZIP Code: 38016
Date Received: 2024-06-17T12:00:00-05:00
Date Sent to Company: 2024-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX was the name of the original business, which was turned over to validated customer accuracy back in XXXX. It was removed from my credit record and cleared due to my inability to verify the customer. I came upon a new collection in XX/XX/XXXX, stating that a new debt collector named XXXX XXXX XXXX XXXX for XXXX XXXX had taken over an account that wasn't mine. Ask the business to confirm accuracy, providing the name and amount no response. Since then, the collection has been sold to Vance and Huffaman LLC, whose XX/XX/XXXX reporting date is accurate and lacks any original loan documentation verification. According to FTC violation 15 u.s.c 1681c-2 and 15 u.s.c 1681b. 15 u.s.c 1681s-2. & violation 25 CSR 11.443 ( c ). This meets FRCA requirements and needs to be removed immediately from all three bureaus.
Frequently Asked Questions
What is Complaint #9283434 about?
Complaint #9283434 was filed against V And H Portfolio regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-06-17T12:00:00-05:00.
How did V And H Portfolio 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 V And H Portfolio?
Yes, visit the V And H Portfolio company profile at readthecomplaint.com/company/v-and-h-portfolio 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.