V and H Portfolio CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web	Servicemember
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, Georgia XXXX ***To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. ( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). ( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ). ( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). ( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). ( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ). ( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). ( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ). Destination of my Consumer Complaint is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED XXXX XXXX FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( s ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect- ability or not! To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified XXXX XXXX format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( s ) of : Consumer 's Primary Name XXXX XXXX XXXX REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. REMOVE the display reported Consumer 's Other Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information -XXXX XXXX XXXX Consumer 's Current Residence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( s ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX . XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Previous Residence : GA XXXX GA XXXX Personal Identifier Information -XXXX XXXX XXXX Consumer 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Residence : XXXX GA XXXX XXXX GA XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Previous Residence ( s ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX . XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( s ) : XXXX XXXX XXXX XXXX XXXX Personal Identifier Information XXXX XXXX XXXX XXXX -XXXX XXXX XXXX Consumer 's Reported Employer ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. Consumer 's Birth Year : XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX I XXXX I XXXX I Page 3 REMOVE the display reported Consumer 's Birth Year ( s ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. Please utilize the following KEY to explain markings on the images of below-shown items being contested : means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record ... HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX XXXX XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown XXXX XXXX XXXX XXXX XXXX Missing but Required Reported E Potential Error I Inconsistent N Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act V Potential Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- M XXXX V -- M -- M XXXX XXXX V -- M Paid -- M -- M XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- M XXXX V -- M -- M XXXX XXXX V -- M Paid -- M -- M XXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address D XXXX XXXX Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date XXXX XXXXXXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : XXXX Account Status Information : XXXX Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX V Installment Account Auto Loan -- M XXXX V -- M -- M XXXX XXXX V -- M Closed -- M -- M XXXX Joint Joint Auto Loan Auto Closed Paid Closed Paid Closed Paid Loan Current N/A Unknown N/A Page XXXX XXXX Date of Account Information : XXXX XXXX XXXX XXXX : XXXX XXXX Account Dispute Status : XXXX Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History N/A N/A Account not disputed XXXX XXXX XXXX XXXX Account not disputed N/A Account was in dispute - now resolved - reported by subscriber. N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards , of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict! As for the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! Bearing attention to the item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! In regard to item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict! In cognizance to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to Page 5 prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! Bearing attention to the item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! In cognizance to the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! As for the item questioned above, Data Reporter Telephone Number reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX , UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Data Reporter Name XXXX XXXX Data Reporter Street Address XXXX XXXXXXXX Data Reporter City, State, and Postal Zip Code XXXX XXXX Data Reporter Telephone Number XXXX XXXX Data Reporter Identification Number XXXX XXXX Item 's Subscriber Number U XXXX Activity Date XXXX XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX XXXX XXXX ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency : XXXX XXXXXXXX Account Terms Length : XXXX XXXXXXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Paid XXXX -- XXXX XXXXXXXX Individual Credit Card Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Paid XXXX -- XXXX XXXX Individual Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Account -- XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Paid -- XXXX XXXX XXXX XXXX Individual -- XXXX Page 6 XXXX Account Status : XXXX Account Status Information : XXXX Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX Date of Account Information : XXXX XXXX XXXX XXXX : XXXX XXXX Account Dispute Status : XXXX Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History Paid Paid Paid Current XXXX XXXX XXXX Account not disputed XXXX XXXX XXXX Paid Paid Paid Current XXXX XXXX XXXX Account not disputed XXXX XXXX XXXX Paid Paid Paid Current XXXX XXXX XXXX Account not disputed XXXX Closed or paid account/XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete , timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report. Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! In cognizance to the item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In regard to item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting Page 7 aptitude, sufficiency, and or amenability! In cognizance to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! Bearing attention to the item questioned above, Account Credit Limit reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! In regard to item questioned above, Data Reporter Name reported as XXXX XXXX for XXXX, XXXX XXXX for XXXX,- for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! In regard to item questioned above, Data Reporter Telephone Number reported as XXXX for XXXX, XXXX for XXXX,- for XXXX and as such are one or more seemingly deficient of its exigency of reporting
09/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92596	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. VANCEHUFFMAN bal. {$790.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 330XX	Web
Re : ID theft and past the FCRA statute of limitations Collection/Debt : XXXX XXXX XXXX XXXX last reported XX/XX/XXXX ) - Unpaid XXXX XXXXXXXX XXXX {$1500.00}. ( XXXX ) XXXX This has been taken off my credit report after numerous attempts and they fraudulently re-validated it with false information. For example, every time we call them they collect information about us such as where we live and what car we drive in order to later justify and validate the collection with false information since they are using our actual current information to state that the debt is ours even though it clearly was identify theft. We filed with them for identity theft and it gets taken off to later come back as soon as they learn we are trying to apply for a mortgage to ruin our lives. This is also past the statues of limitations FCRS since its about to hit 7 years this month. They avoid showing me the actual debt in writing, offer no solutions to begin the process and have complete fraudulent lies in file just to attempt to collect a sent by all means including false information. These tactics are known as harassment and intimidation where hey act as lawyers and pretend they have intelligent information. For example, they stated they have my fingerprint ID from XXXX and IP address and yet can not provide me the proof upon request so that I can send it to the police authorities. I dont have any information on it other than their own made up story that I went online and applied for a lease in a XXXX- no written claim or proof. They did not provide any bill or receipt/contract to justify this and only state that I lived at XXXX XXXX XXXX XXXX XXXX and owned a XXXX XXXX at the time of the debt ( XXXX ) which is information that they collected two years ago form us when we disputed it as fraud. In XXXX which is when the debt occurred according to them, we did not own a XXXX nor did we live at XXXX XXXX XXXX XXXX XXXX FL XXXX. I fact that area was part of a swamp XXXX up until XXXX. We did we live there but it was in XXXX. I lived in XXXX XXXX XXXX XXXX XXXX FL in XXXX. So I find out that the creditors find out when your score goes up to go back at harassing you so they are doing this with no justification other that Collect on a debt that is not valid or owed. For all I know it may even be older than 8 years old since they dont even give me any evidence of it. I called again because now that I am finally Able to but a home, they are trying to ruin my life with this. I got into a heavy argument with these people telling them that this was marked as identity theft that was proven and taken out of my credit 3 times. They stated I ordered a phone online with XXXX ( who knows who that is ) almost 7- 8 years ago ( XX/XX/XXXX ) and had a lease agreement for a XXXX phone which went unpaid. They said I made one payment of {$67.00} at the time of the lease and that a thief would never make a payment. I told them again that this was identity theft from 7 years ago. They reported on it just three years from XXXX with no evidence and it was taken off by your agency which is when I had it removed by the credit bureaus for lack of proof. They refuse to remove without a full payment which I can not do because they also wont guarantee they will take it off on top of the fact that its not my debt. Since its hurting me from buying a home again, I want to make sure they never do this to anyone again. This is harassment for a fraudulent claim and hurting me economically in so many levels needs to come with a fine or price. Someone had to hold them accountable and make me whole one day. This was set to come off in XXXX of XXXX this year according to XXXX XXXX but its not mine. Should this old collection that has been proven to not be mine be allowed to even be on my credit again? They said they mailed the phone ( debt ) to the same address I had two years ago when I first disputed it ( XXXX XXXX XXXX XXXX ) and that they had on file the car I drove to validate it as mine which is completely wrong. Where is the signed evidence of this debt? I didnt even live in that address they claim I was shipped a phone to in XXXX. They could not even provide a valid phone number either. So they get all your current information if your current status to validate a false claim to put it BACK on the credit report fraudulently. For example the XXXX I own now was purchased just 3 years ago so I guess they used whatever they know about me and pretend that is what we put on the application to get the phone as evidence that its my debt. Thus should be immediately removed for the following reasons : 1 ) identity theft claim 2 ) Claim not Valid : validation of the the actual debt I was fraudulently validated with credit bureaus. Theres no proof of receipt or contract for such item not a price history if what was purchased. 3 ) FCRA statues of limitations has elapsed 4 ) This was removed by your agency for lack of of information
01/01/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 984XX	Web	Servicemember
On or around XX/XX/XXXX, Vance and Huffman placed a collection on my XXXX, XXXX, and XXXX credit reports. I informed the representative that I am not affiliated with the company XXXX XXXX XXXX or XXXX XXXX. I expressed that I needed the debt validated and was hung up on. I then called back to request the address of all companies, since the original representative was unaware of the loan company they were representing and was hung up again, following my response that I was also recording the phone call. I am seeking validation of debt. I have been a victim of identity debt and I am very concerned that this is fraudulent activity. Please see below noted. Re : Alleged Accounts Vance & Huffman XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims that have been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX cc Federal Trade Commission
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20748	Web
In accordance with the Fair Credit Reporting act reporting of this account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I want to apply these laws and exercise my rights. Please delete these accounts. Please send me a XXXX form and delete this account It is further agreed that VANCE & HUFFMAN shall take all steps necessary to ensure that no credit report or credit reference that is unfavorable or that may be construed unfavorably to XXXX XXXX XXXX shall be made by it or by any consumer reporting agency with regard to any debts or claims as between VANCE & HUFFMAN and XXXX XXXX. Without limiting the effect of the foregoing obligation, VANCE & HUFFMAN shall also within ten days hereof send notice [ in writing or electronically or both ] to each consumer reporting agency to which VANCE & HUFFMAN has reported any information about XXXX XXXX XXXX, deleting from their files all references to the [ alleged ] debt which is the subject of this settlement agreement. To that end, VANCE & HUFFMAN shall submit a XXXX XXXX form coded with XXXX XXXX delete account ) [ and/or ] a Universal Data Form with the Delete Tradeline option box checked to each consumer reporting agency to which VANCE & HUFFMAN has reported any information about XXXX XXXX XXXX XXXX Prior to any execution of any release of claims by XXXX XXXX XXXX, shall submit to counsel for XXXX XXXX XXXX clear and complete copies of these forms ( with VANCE & HUFFMANs XXXX XXXX redacted if VANCE & HUFFMAN chooses ) and proof that VANCE & HUFFMAN has submitted these forms. Each required XXXX XXXX XXXX or the equivalent must contain VANCE & HUFFMAN certification that it has modified its internal records so that the information to be deleted is not re-reported. In the event Plaintiffs discover, more than fortyfive ( XXXX ) days following VANCE & HUFFMANs submission of the [ XXXX XXXX XXXX XXXX XXXX XXXX as described, that any consumer reporting agency still reports the alleged debt, XXXX XXXX XXXX XXXX XXXX VANCE & HUFFMAN in writing, and VANCE & HUFFMAN will within ten business days re-submit a request for deletion of all reference to the debt. VANCE & HUFFMAN shall adjust its relevant internal records in a manner that will permanently reflect the agreed-upon status of the debt. VANCE & HUFFMAN agrees to take all steps necessary or appropriate to prevent the re-reporting of any information about the [ alleged ] debt. In the event any such information is re-reported to any consumer reporting agency, VANCE & HUFFMAN agrees to take all steps necessary or appropriate to ensure that the re-reported information is deleted from the files of every consumer reporting agency to which the information was re-reported. Further, should a consumer reporting agency ever notify VANCE & HUFFMAN that XXXX XXXX XXXX is disputing the tradeline, VANCE & HUFFMAN will not verify the tradeline or will confirm that the tradeline should be deleted ; in such an event, VANCE & HUFFMAN will also submit to counsel for XXXX XXXX XXXX, within forty-five ( XXXX ) days after receiving the notification of the dispute from the consumer reporting agency, clear and complete copies of the notification of the dispute and any and all forms ( including electronic forms ) by which it responds to such notification ( with VANCE & HUFFMANs XXXX XXXX redacted if VANCE & HUFFMAN chooses XXXX XXXX VANCE & HUFFMAN further agrees that it will not assign, hypothecate, or transfer the [ alleged ] debt to another creditor, a collection agency, or any other third party, and that it will not alter the account number or otherwise relabel the account. The parties agree that time is of the essence of this contract. This release shall not extend to the obligations created by this Agreement or to any claim or cause of action based in whole or in part upon a communication to a consumer reporting agency after the date of this agreement.
08/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX XX/XX/2023 To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX - XXXX Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes. In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. - Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. - Proof that you are licensed to collect in my state. - Your license numbers and Registered Agent or Agent of Service. - The identity, name, and address of the original creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act, XXXX. Violation of the Fair Debt Collection Practices Act and XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX ) XXXX shall be sent to me immediately. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
07/17/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
As a result of a purchase at XXXXXXXX XXXX in XXXX partially financed by XXXX XXXX I received an unsolicited " pre-approved '' credit card from XXXX, which I never activated and to which I never charged any anything. The debt to XXXX arising out of the XXXX XXXX purchase was fully paid and XXXX. However, I later received a collection letter ( approximately on XX/XX/XXXX ) from XXXX attempting to collect XXXX related to an debt that I had allegedly originated with XXXX XXXX XXXX. I never incurred such a debt and I disputed the charge. On XX/XX/XXXX I received a letter from XXXX stating that their investigation concluded that I did not owe the debt and that all charges were being removed. However, on or about XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX attempting to collect the same debt that was now allegedly owned by XXXX XXXX XXXX. I also disputed this charge and explained that the charge was the result of stolen identity. On or about XX/XX/XXXX I got another collection letter from XXXX XXXX XXXX XXXX attempting to collect the same debt on behalf of the same XXXX XXXX XXXX. I then hired a lawyer who on XX/XX/XXXX sent a letter to XXXX XXXX demanding that all credit collection efforts cease and that such debt be removed from my credit history with the several credit reporting agencies. My lawyer also sent letters to XXXX, XXXX to fix my credit report. Since we received no response from XXXX XXXX, on XX/XX/XXXX my lawyer wrote a letter to XXXX XXXX XXXX, the alleged owner of the alleged debt, demanding that all collection efforts be stopped. No response was receive. Later XXXX XXXX XXXX ( XXXX ) renewed collection efforts on the same alleged debt, but now on behalf of XXXX XXXX. On XX/XX/XXXX my lawyer then wrote to XXXX making the same cease and desist demand. On XX/XX/XXXX The XXXX XXXX XXXX, a law firm representing XXXX sent a letter to my lawyer as a " confirmation that XXXX ha [ d ] closed and returned the account to the creator ... [ and had ] ... submitted a trade-in deletion request to all relevant credit reporting bureaus ... '' It also stated that the current owner of the alleged debt was XXXX XXXX and that XXXX had provided XXXX XXXXa copy of my lawyers XX/XX/XXXX letter outlining the issue. Now, on XX/XX/XXXX, I received another collection letter from Vance & Huffman Llc ( V & H XXXX demanding I pay the same alleged debt. I don't know on whose behalf V & H is now attempting to collect the alleged debt. My lawyer again has sent a letter to V & H outlining the issue and the history of this illegal collection saga. It is apparent that even though both XXXX and XXXX recognized and acknowledged the fact that I did not owe this debt and stoped their collection efforts, the owners of the alleged debt keep assigning it to someone else who then commences new collection efforts. I do not know whether this is just a glitch in the system or whether it is being done maliciously by the holders of the alleged debt. This matter has already cost me a significant amount of money, on top of the mental anguish it has caused me, in an unsuccessful attempt to stop this outrageous harassment. My lawyer informs me that the only step left to him is an expensive lawsuit against V & H and the current holder of the debt ( unknown to us at this time ), and maybe against XXXX XXXX XXXX the last holder ) who apparently, even after being informed of the issue, assigned the debt or is still trying to collect it. He can't guarantee me that even after incurring these expenses and obtaining appropriate injunction orders from the court ( and maybe some compensation ) the problem would not continue and further legal steps would be necessary. I need help to stop once and for all this outrageous harassment.
12/30/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77459	Web
I had absolutely zero communication of any kind regarding this tradeline or debt. Only yesterday, XXXX did I get a notification from XXXX credit protection that a debt collector reported a delinquency. This was shocking because I don't have any delinquencies. I reviewed my XXXX reports and found Vance & Huffman LLC. Never before was any original debtor trying to collect. Never was a letter sent. Never a phone call. Not even an email. The dates and amounts are not disclosed. And Vance & Huffman will not provide proof of ownership as rightfully due per FDCPA and FCRA rules. Instead, I tried to call - no answer. Their voicemail doesn't work. They are not open Fridays. They have been named litigants ( defendants ) in multiple lawsuits. They are under scrutiny for predatory collection practices, and a unique styling whereby they wait for a consumer to repair/secure a favorable credit score and sustain for several months. Then they drop an unsupported collection to see of the consumer will pay, seemingly under duress. I am currently alleging both civil and criminal fraud based on the general practice and specific knowledge I have. My only means of correspondence was by web contact, where I issued the below today, XXXX : Greetings, This is my first and only demand letter for proof of ownership and information pertaining to the alleged debt your firm has placed as a collections tradeline on my XXXX Credit Report. Under FCRA rules, you must provide details to support your claim and justify my affiliation with the alleged debt and/or delinquency. You have 10 calendar days to respond before I seek all available recourse and remedy against your firm for fraud, solicitation of information under false pretenses, falsification of facts, and willful consumer deception. I have never heard of your company or the tradeline represented. Notwithstanding any alleged suspicions or outcome of purported investigations, it is your burden to demonstrate consumer responsibility. I hereby make this official demand following my unsuccessful attempt to call your offices. If your firm does rescind reports of this derogatory account and issue a blanket, written statement absolving my alleged liability and conceding error, I will escalate to evaluate both actual and punitive remedies for reputational harm, opportunity cost, recovery of time invested, and failure to mitigate. If you choose to bring suit, which I encourage, do advise of dates of service and jurisdictional setting. I wish to be present at all hearings. By simply disregarding several identifiable procedural steps as set forth by governing jurisdictional bodies over Credit matters such as the FDCPA, FCRA, CFPB, standards under XXXX, IRS Tax and Lien Code, and Interstate Commerce Code, your firm has made critical errors, if not willful attempts to harm, from the outset. Vance & Huffman neglected any effort to contact me prior to, or during this collection. Likewise with your client or former tradeline holder. I've not heard of them or from them, ever. Lastly and in absence of evidence suggesting any legitimacy, I am asserting that your firm has acted criminally in violation of local, state, and federal fraud statutes. Vance & Huffman has made apparent by their business model and practices that personal gain or unjust enrichment is the outcome of this fraud if not combated. I intend to refer your company to the US Attorney for the Eastern District and the Dept. Of Justice for a more thorough investigation. It is not acceptable, unlawful, or ethically sound to defraud and cause harm to consumers for monetary gain. I await prompt, thorough, diligent, courteous, and truthful responses from Vance & Huffman. If you extra time, do advise within 48 hours. Sincerely, XXXX XXXX
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 76001	Web
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX XXXX Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
03/05/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77515	Web
The original creditor, XXXX XXXX XXXX, has not pursued any collections efforts against me. I learned through brief online review that they are a payday loan guarantor/servicer who had only made XXXX allegation via an intermediary - and by mistake - that I took a pay day loan several years ago. The details could never be verified as to whom they were actually seeking in this effort. On or around spring XXXX, they were communicating through an aggressive debt collector that was since - presumably - disbanded for harassing family members and coworkers. Nevertheless, I did my best to support their efforts by providing the best information possible to respond to their crass and standoffish 'investigation '. I consulted an attorney and shortly thereafter, this matter closed without any production of my requested proof of account ownership, account validation, or other documentation that could ascertain the FCRA minimal burden required to establish account liability. To date, I have never received any correspondence from the original creditor, XXXX XXXX XXXX, which carried their letterhead and including identifying information. Without warning as I track my credit reports, I was just notified of a blemish on my XXXX report from a firm, Vance and Huffman LLC. This company appears to be acting in a retaliatory manner from a former, failed collections effort for a fraudulent XXXX XXXX account filed with the XXXX XXXX XXXX in a former attempt. Please call your attention to : " XXXX Complaint Case # XXXX ( Ref # XXXX ) ''. They have been nonresponsive and noncommunicative. Now they are after my credit scores with ( again ) no foundation. Formerly, they removed the trade line in question only to add it back again here. Note their response dated XXXX : " Vance and Huffman , LLC has reviewed the complaint submitted by XXXX XXXX. Our records show that we have requested the credit reporting agencies remove this trade line on XX/XX/XXXX and have closed this account in our office. XXXX XXXX XXXX contact our office at XXXX with any further questions he may have ''. I request immediate engagement by the CFPB to ensure they no longer are able to tarnish my credit, and further submit that they should be enjoined from any financial matter of any kind involving my name, SSN, DOB, or other identifying information. Their negative mark is the only derogatory mark on my credit out of XXXX accounts. I have not missed any payments, maintain reasonable utilization, and am very careful with finances now more than ever. My only conclusion at this point is some personal agenda. This creditor made their last attempt to damage my credit ( and it worked temporarily ) when I was purchasing a home and they caused for my lender to drop my mortgage. I am chagrined that this same debt collector is back again, attempting the same styling of quiet credit damage. Unfortunately, I am not monitoring my credit as closely since the mortgage process is completed, or I would have engaged the matter sooner. Now that I identified this action, I also began noticing the interest rates increasing further, and at a time when they are high enough. May I ask for emphasis on their commitment to remove their mark from my report, as they published in the XXXX response. This should hopefully be a reminder as to what commitments were made and why it is unacceptable to damage my credit out of whichever punitive purpose motives.
06/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Vance & Huffman to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Vance & Huffman must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Vance & Huffman to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Vance & Huffman. Providing that Vance & Huffman is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
06/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11224	Web
I walked into XXXX XXXX to pay a small monthly bill and told them my services wasn't working properly. The sales rep then told me it's my phone that I should buy another one. I told him in the future I will, when I have enough to afford one. He said that I could get a phone through them by just paying a down payment of {$100.00} for a phone that's worth around {$170.00} and a free case and cover for free and then I would just have to pay him the remaining balance of {$15.00} dollars extra a month to pay my {$75.00} dollars off. I said is there any hidden fee or taxes he said no! I took the deal and paid with my bank card and he told me to sign for my bank debt card and gave me only a reciept for my {$100.00} down payment. The following month I get a huge charge of like {$85.00} dollars out of my bank account and get a insufficient charge on my card to only find out that it was from a company called XXXX XXXX that was charging me for the phone XXXX XXXX had just sold to me. I went to XXXX XXXX and the sale man claimed he had no idea that they would charge me up front the remainder of the payment at once. I said I made a deal with you not them. He claimed not to worry that now I'm done paying for it and apologized! The following month I get another charge of {$85.00} more dollars taken out my account by XXXX! I run upset into XXXX XXXX and the guy acted like he didn't know me and asked what was my problem. When I told him that I work with the community leaders and his scam is going to be exposed. He claimed that they where only charging me for the case that he claimed was free with the purchase and some hidden taxes. I told him to take back the phone and his case and that I want a refund. He then claimed he will give me 2 month free on my monthly bill to make it up to me. I said ok! I also had my debit card changed just in case these scammers tryed anything new in the future! This was 5years ago. I didnt get any reciept or and no contract but only a reciept of my down payment of {$100.00}. About a month ago I get a collection charge by a company called Vance & Huffman phone number XXXX XXXX XXXX XXXX placed on XXXX a dept of {$240.00} dollars claiming they bought the dept from XXXX XXXX. I called Vance & Huffman explaining to them that it's a fraud and that I don't owe them anything and why wasn't I contacted by XXXX XXXX and that this isn't right and they refuse to believe me and told me to pay them or else it's going to stay in my statement. They asking for reciepts I no longer have. Now I don't who to takes this to. I need your help. I WROTE TO MY MAYOR and waiting to see what happens. I put a dispute with XXXX and they left it as acuturate with there conclusion and also changed the claim date Vance & Huffman placed thier claim to a year ago when they placed it a month ago. Since I dont have a option to explain verbally and only by hitting some options they have placed in thier despute questionnaire now I'm screwed. My number email is XXXX My name is XXXX XXXX! The Amont I'm stating above is a assumption since I never got a contract or receipe from XXXX XXXX
06/15/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77082	Web
Vance and Huffman , LLC has reviewed the complaint submitted by XXXX XXXX. Our records show our office obtained the XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. This account was originally opened XX/XX/XXXX. Funds obtained from this loan were deposited into the XXXX XXXX XXXX account ending in XXXX. Validation of this account has been supplied to XXXX XXXX in response to her disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account has been in a dispute status since XX/XX/XXXX and all collection efforts have ceased since that time. Then why is this account still reporting on my consumer reports. Again this is an alleged debt so please provide me with the proof I owed Vance and Huffman , LLC any alleged debt please show me where I have had an account with Vance and Huffman , LLC, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if Vance and Huffman , LLC is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal
06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MO 64151	Web
Unfair Practices and Malicious Treatment to through XXXX and Vance and Huffman , LLC. On or about XX/XX/XXXX, a voice message was left on my voice mail for me to call Vance and Huffman , LLC. I returned the call and a lady advised me that I had a debt of {$250.00} and they were the litigation firm to collect the debt. I told her that I was unfamiliar with their name and she gave to company names I was not familiar with. I asked for a copy to look over the debt to be sent to my email and advised her I needed to look into the matter. I did not believe I had any debt or never heard of the names she shared with me that I supposedly had the debt. I thought this was a fraudulent attempt to collect money from me. I asked the lady to send the debt information to my email and I waited for the information to come which I never received from their offices. Additionally, I mentioned if it was my debt that I would take care of it. In XXXX, I paid off debt and my credit score increased into a good position (XX/XX/XXXX ). Importantly, for years, except one tax issue with my car payment, which I tried to dispute and correct, I maintained an exceptional history payment status for years. On XX/XX/XXXX, my credit score had just increased 10 more points when this ordeal took place and continues to affect my score as of XX/XX/XXXXmy score dropped again by 1 point with no explanation. On XX/XX/XXXX, not even a week later from speaking to the woman and without receiving the email request to verify the debt, Vance and Huffman flagged my credit report as collections. On XX/XX/XXXX, I received a credit monitoring alert that displayed my credit scored decreased by 29 points. Immediately, I called Vance and Huffman after being notified by XXXX and XXXX XXXX. After speaking with XXXX at XXXX XXXX, shared they had the incorrect address and an old XXXX XXXX XXXX account. I was advised that this was supposedly from XXXX and settled per XXXX. XXXX advised me that she would call back and never did call me. In XX/XX/XXXX, I reached out to XXXX XXXX XXXX because I had an been paying them on a small loan and fell behind. I paid it off last year and it was closed last year XX/XX/2020. So, I don't understand how Vance and Huffman , LLC. can say that this account was closed and it could not be closed. I look forward to a response to file regarding the unfair dispute, placing debt on my credit report and the large decreases on my credit report. As you can see by the attachments I provided which reveal my clearing up debt in XXXX and the debt decrease which occurred twice in XX/XX/XXXX by 49 points. This is illegal and unfair. I have unrest about this matter and can still pay off what is rightfully due if I receive and understand the alleged debt. I never denied any debt, just a request to see and recover what has been maliciously done to my credit and livelihood.
11/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 342XX	Web
I called Vance & Huffman on XX/XX/23 to obtain a settlement agreement due to a debt showing on my credit while purchasing a new home. My closing date ended up getting postponed & the check was mailed later than anticipated. I called Vance & Huffman immediately to notify them on XX/XX/23. I spoke to someone at first but she transferred me to XXXX XXXX. XXXX XXXX advised me immediately that the call was recorded. I explained to him the situation w/the check arriving later then anticipated & that my title company wrote the check for the incorrect amount. XXXX XXXX at this time was very helpful & friendly telling me it was no problem & that he would speak w/the company partners to get an overpayment check issued back to the original issuer. XXXX XXXX requested the title company call him directly because the check came from the escrow account. The title company called XXXX XXXX & he told them that he would work on getting the check mailed out to them. After waiting a reasonable amount of time & no check, I started calling XXXX XXXX but he was out of office or in meetings but would call me back. Never a single return after over a dozen phone calls over 2 months. Finally get XXXX XXXX to respond & he said he was waiting for accounting to respond & kept giving excuses for delays. Finally today he responds that they will not issue the overpayment check. XXXX XXXX is saying that the check was received after the settlement agreed date but we spoke on XX/XX/23 & XXXX XXXX stated it was no problem & he was working to issue the overpayment. XXXX XXXX claims he was not involved w/my acct is false. This was a verbal agreement made on a recorded line. XXXX XXXX strung me along for 2 months and is playing games with my money & overpayment that was agreed upon being returned. While I understand this is an exception based on the agreement XXXX XXXX advised it was no issue & agreed to it in XX/XX/23. Business is based on the owners word and in this case XXXX XXXX word means nothing. XXXX XXXX under FDCPA breached XXXX. False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. During the communication process Vance & Huffman did not follow proper protocol for verification of person on phone. Numerous times calling in to Vance & Huffman and they would state my personal information and i would say yes and this was the verification which they would complete to verify I was who I say I was. This is in breach of the debt collection guidelines for verifying persons over phone. Vance & Huffman falsely advertise that they are an A+ rated BBB company which XXXX has verified they are not A+ rating and this is indeed falsified information placed on the company website to provide false pretenses on the company standings.
12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29229	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( VANCE & HUFFMAN LLC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( VANCE & HUFFMAN LLC ) the financial institution and the Consumer reporting agency XXXX does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( VANCE & HUFFMAN LLC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( VANCE & HUFFMAN LLC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
10/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32218	Web
On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is XXXX XXXX is also listed on my credit report and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts have my signature however the signature/date for the sales consultant is different on each contract. I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, XXXX XXXX only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract. Lastly, I went to my state 's Office of Financial Regulation page to verify the license of XXXX XXXX XXXX and to verify if they are licensed to collect in my state. My state 's page show 's NO RESULTS FOUND for this company. This means they are either not properly licensed to do business as a collection agency or operating under a different name, which both are illegal.
11/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90007	Web
Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Vance and Huffman LLC and it is showing on my credit report without my consent. I have no contract with Vance and Huffman LLC and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
08/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman. I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in XXXX case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.
08/07/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web
After reviewing my credit file on XX/XX/XXXX I identified a discrepancy with account listed under VANCEHUFFMAN and validation was requested as this was ab account that i did not recognize. I reviewed my credit report again XX/XX/XXXX and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct. The company responded with this " Vance and Huffman LLC has reviewed XXXX XXXX complaint. The account was obtained on XX/XX/XXXX. On XX/XX/XXXX a letter was a sent to XXXX XXXX making her aware that the account was now in our office for collection. The statements made by XXXX XXXX are false and misleading. The account has been credit reporting since XX/XX/XXXX. This is in regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX obtained a loan for {$300.00}. XXXX XXXX provided her drivers license as verification and provided her bank account with XXXX XXXX XXXX acct # ending in XXXX. When payment was to be made the item was returned due to non-sufficient funds. On XX/XX/XXXX a representative reached out and the individual that was contacted would not verify any information and terminated the call. On XX/XX/XXXX XXXX XXXX contacted Vance and Huffman and she was given the phone number to the office that was handling her file. All calls are recorded for training and quality assurance. Vance and Huffman have not discussed the account in our office any time. This complaint is the only time the matter has been discussed with XXXX XXXX. We have placed the account in a disputed status and requested that all validation be sent to XXXX XXXX for her review. If we can be of any further assistance, please contact the office at any time, we will be happy to assist you. '' This does not verify this belongs to me my name is XXXX XXXX i am a man i have attached my identification. I have never spoke with this company. Again, this is mistaken identity. Next i will do a report with FTC for identity fraud.
04/26/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	MD 20904	Web	Servicemember
On XXXX/XXXX/XXXX my employer received a voicemail on a general line where a collector ( XXXX ) working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, stated that there is a case against me where they will be doing an asset review, so I need to respond. I immediately called back after the owner of the company asked me to call them and tell them never to call back again for their unprofessional method of contact. The woman who answered the phone never introduced herself, never advised what company she was answering the phone for, and never stated that the script that the call was to collect a debt. She continued to verify my information. After verifying my identity, I asked her to remove the number of contact from her file ( identifying it as my employers line and they do not want this company calling again ), and was told that she will continue to call the number and harass other numbers on my file. I told her by law she can not. I told her I was not aware of the debt and would like the debt validated, as I am unsure if this is related to an old car loan where I was not responsible for the balance owed due a valid dispute with the company ( which was provided to the original lender over 12 years ago ). I was told that they would not validate the debt. And in addition she said that I am receiving mail from them but they do not have a valid address on file. I called back again due to the unprofessional nature of the Representative, this time another woman who did not identify herself answered, she again did not verify who I was. I asked her for the information of the company which she did provide, then asked her who do I address my complaint with. She went right into divulging details of their case, and said that the rep did note the account that they should not call the business. I explained that the rep was threatening to continue calling and harassing after being told not too. She said she did not meant that. The woman ( supervisor ) never took the time to verify who I was either, and continued to tell me that my asset would be up for review, she did not even tell me the call was for the purpose of collecting a debt either. But I explained to her that our calls here at work are recorded due to the nature of the business, so I have everything recorded. She did not contest the recording.I can and am willing to provide the recordings.
10/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 773XX	Web
I am writing to file a formal complaint regarding information on my credit report concerning the account listed below : Vance and Huffman LLC Dispute Reason : Ownership/ No knowledge of account Original Creditor : XXXX Account Type : Debt buyer Date Open : XX/XX/2023 Balance : {$3600.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I have recently reviewed my credit report and discovered the presence of the aforementioned collection accounts. However, I have no knowledge of these collection accounts and believe that it has been inaccurately associated with my credit history. I have taken the necessary steps to dispute this information through XXXX, XXXX and unfortunately, their investigation has yielded an unsatisfactory result. According to the investigation, the disputed information was verified as accurate, and XXXX and XXXX has decided not to make any changes to my credit report. I strongly disagree with this decision, as I am certain that I have no connection to the mentioned account. No documentation has been provided as requested by the part above to support I am responsible for the above debt. I have carefully reviewed my financial records, and there is no evidence to support the existence of this debt or any association with Vance and Huffman LLC. In light of the above, I kindly request a thorough review of my credit report and a reconsideration of the decision made by XXXX and XXXX. I believe that a mistake has been made, and it is essential that my credit report accurately reflects my financial history. I request that the following actions be taken : 1. Conduct a comprehensive investigation into the disputed account and provide clear evidence of its ownership and legitimacy. 2. Update my credit report to reflect the correct and accurate information, ensuring that the disputed account is removed. I expect a prompt and fair resolution to this matter. As a consumer, I have the right to accurate and up-to-date credit information. The inaccuracies in my credit report have the potential to negatively impact my financial standing and opportunities, which is of great concern to me. Thank you for your prompt assistance. Sincerely, XXXX XXXX
08/08/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web
On XX/XX/XXXX I checked my credit report and saw a new collection was being reported in the amount of {$2700.00}. The collection agency reporting the debt is Vance & Huffman. The credit report shows the original debt being owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and discovered that a loan had been fraudulently applied for and approved under my maiden name. XXXX XXXX XXXX approved a loan and electronically submitted this loan to a checking account at XXXX XXXX XXXX on XX/XX/XXXX. The address used was my former address and the phone number used was also fraudulent. I have not lived at the address used since XX/XX/XXXX. I have not used the last name being used on the fraudulent loan since XXXX. I also did not have an account with XXXX XXXX in XXXX. I contacted XXXX XXXX on XX/XX/XXXX and their customer service was unable to help me. XXXX XXXX XXXX referred me to the collection agency Vance and Huffman, which advised me they would need a police report, Federal Trade Commission XXXX. I submitted this information on XX/XX/XXXX and the remaining information on XX/XX/XXXX. I contacted Vance and Huffman on or around XX/XX/XXXX and was told by the representative that it would take up to 90 days for Vance and Huffman to complete their investigation. I had also previously disputed this charge with the major credit reporting agencies. I did not receive correspondence from Vance and Huffman during their investigation period. However, I received a letter on XX/XX/XXXX dated XX/XX/XXXX from Vance and Huffman. The letter was a request for payment in the amount of {$2700.00}. I contacted Vance & Huffman on XX/XX/XXXX and was told by XXXX of the agents that because they received a new dispute from me that everything has been " reset '' and to please not dispute again, as they have restarted their investigation. This situation is impacting my credit and I DID NOT apply for this loan. I am not sure why the Lender XXXX XXXX XXXX would send funds to an account that clearly was not verified. I do not understand why XXXX XXXX XXXX would accept electronic funds to a fraudulent checking account. This account did not bear my name. I have done all that has been asked of me, as this is a case of identity theft.
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44118	Web
The issue has been ongoing since XX/XX/XXXX. There was XXXX negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 1. Vance & Huffman LLC $ XXXX Collection Agency _ original debtor ( XXXX XXXX ) 2. Vance & Huffman LLC $ XXXX XXXX _ original debtor ( XXXX XXXX ) 3. XXXX XXXX XXXX XXXX XXXX XXXX original debtor ( XXXX ) I contacted XXXX, XXXX and XXXX and file a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however XXXX did not, XXXX state that the creditor meet FCA guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 1. Both the Vance & Huffman collection were from a company call XXXX XXXX, I phone XXXX XXXX and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, XXXX use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over 7 year old. but the Collection agency is reporting as this debt occurred in XXXX. I contacted XXXX with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the FCA guideline. 2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and XXXX report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.
03/22/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 377XX	Web
On XX/XX/XXXX I received a phone call from a company called XXXX XXXX they said I had a debt from XXXX I have not heard of this debt nor recall this debt. They said as well they sent out letters to me about the debt but I have no received any form of such debt, today I check and they pinged my credit for it immediately without any communication of the debt. The total debt is XXXX I will not pay this much for a almost 7 year old debt I will pay XXXX dollars to it for a pay to delete immediately or none at all cause I was not aware of this debt the only reason I know about it now is because they reported it to my credit bureaus without communicating with me first, no letter and no phone call so they either remove this debt off my credit immediately for inaccurate information or they let me pay the XXXX dollars to the debt to delete it off my credit. This company did not follow the right guidelines to reporting a debt as there was no letter stating I had a debt before they decided to put it on my credit so I was unaware of it. XXXX XX/XX/XXXX I received a phone call from a company called XXXX XXXX they said I had a debt from XXXX I have not heard of this debt nor recall this debt. They said as well they sent out letters to me about the debt but I have no received any form of such debt, today I check and they pinged my credit for it immediately without any communication of the debt. The total debt is XXXX I will not pay this much for a almost 7 year old debt I will pay XXXX dollars to it for a pay to delete immediately or none at all cause I was not aware of this debt the only reason I know about it now is because they reported it to my credit bureaus without communicating with me first, no letter and no phone call so they either remove this debt off my credit immediately for inaccurate information or they let me pay the XXXX dollars to the debt to delete it off my credit. This company did not follow the right guidelines to reporting a debt as there was no letter stating I had a debt before they decided to put it on my credit so I was unaware of it. The manager harrassed me and said if I looked at the email they sent me yesterday that I take full responsibility for the debt.
11/01/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	KS 660XX	Web
XXXX XXXX XXXX put a collection account on my credit. I disputed with them they refused to answer my letter or calls regarding why they were collecting. It was sold to another collection agency who i disputed the debt with them and they removed their file from my credit report. 6 weeks later u got a call from vance and Huffman a new collection agency representing the original debt with XXXX XXXX XXXX. I bought a car in XXXX in XXXX inwas in a car wreck and insurance and the gap insurance paid the debt off. The car company went out of bisiness shortly after. The car co pany sold its loans to two different companies. The missouri locations were bought by XXXX XXXX XXXX. I bought my car from the ks location, and XXXX XXXX XXXX still holds the original rights to my original contract. They are not persuing collection and they note that my account is paid in full. They will not privide me anything in writing because they were nit the original owners of the car contract and contract was under XXXX XXXX XXXX or XXXX XXXX. XXXX XXXX does not own or hold rights to collect on a car that was paid in full. The origi al creditor diesnt even exaist any more and XXXX XXXX XXXX nor the current collectio. Company will stop collecting because they told me i habe to prove to them i dont owe the debt. I dint have anything else on that car anymore as it was 3 years ago. I asked all collection companies for a copy if the origi al contract and theur rights to collect on my original contract and no one has provided me that. They have affected my credit acore in the middle of a home biying oricess and caused me to loose the home of my dreams. I am now back i. The process again searching for a new home and it has hit my credit score yet again. This time the lender is willing ti work with me because they see the item is disputed with all credit agencies. But it still affects my score and my ability to get a better rate. Ive spent 3 minths disputting the information with all agencies and niw 3 times over for 3 collection companies. It is illegal what they are dli g i donot owe any money to them nor XXXX XXXX but yet they keep trying ti sell the debt to negatively affect my xredit.
06/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 640XX	Web	Servicemember
The reason for this letter is to show that this company isn't practicing justified and lawful Business.This company never called me and I had reached out to them once I had clear my credit. Some how this. company that I never heard of I asked them by mail to please Identify your company due to the fact, I never had any loan taken out by them. I supplied them by sending certified with a Letter by mail to this company. Requesting the Original Contract that I sign. After 30 days I never Obtained the information. This company never had my address and all the info that they tried to use or access from using the 3 bureaus.Still to this time they do not have the correct information. Now here is MY issue. I go to pull my credit report that has hindered me and my daughter from moving is based on this impacting my credit score as if I took out this lone on XXXX date open then has a date of XXXX. I looked them up called and talk to a Rep and I asked him what information that you have to prove that its me after sending a XXXX letter and I get a letter back saying that they sent out information that I never seen. He says IP address I so felt that this was a scam and I told him I didn't want to receive any calls from them. 3rd letter comes out with a letter requesting for them to please remove that off my credit as they are negative affecting my report. The lady was very rude and yes yes we are putting this on my credit if I didn't pay!! so there you have it. and I don't remember any loan with the amount of XXXX ever taken out so like I told them remind me. I have a traumatic event that happen on. XX/XX/XXXX so I don't remember much so please look into this matter. I have sent them every letter that I was told to do by credit bureau. With the threats of them putting that on my credit. on all 3 report agency. is wrong... This company on the doc : last one they type my name. type a Ip. Wrong also they sent information to another address then what is filed I don't want to give them any information as they sent mail to XXXX XXXX XXXX XXXX XXXXXXXX mo, then they sent information to another address, then another address they are chasing my credit information.
05/22/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 94589	Web	Servicemember
I've called and was told that the debt was a different amount and asked that they provide the correct documents. Was put on hold and once I turned on my voice memos and was then hung up on. Called back and an XXXX XXXX male by the name of XXXX XXXX got on the line and I informed him that I would be recording this call for my protection as well and began to explain the reason of my call and was cut off my XXXX XXXX and he stated that this is XXXX XXXX and you filed a complaint with the CFPB. I said to XXXX XXXX to please not cut me off and let me explain the reason for my call and then he continued to cut me off and became very hostile and said that I can not record him. I explained to him that I'm recording for my own self as protection as well. I asked for all the documents that shows the amount that was owed, proof of debt, leasing agreement with my signature, bank statements that XXXX XXXX stated that he has. He would not stop talking as I continued to ask for these and stated that he was going to play back the call so he can prove of things that I said to prove that I was incorrect in what I was asking. I asked multiple times to play the recording and he continued to try and get me to become aggressive as he stated that he would disconnect the call. He also stated that he would contact my local police department for harassments as I stated that I would call back if his disconnected the as I looking for their burden of proof to provide accurate paperwork of the debt. I asked him to send this to my current email address and he stated that " oh now you are using different email. As if this is a crime and he began to become aggressive and I stated to him that he needs to watch his tone. Called back and was placed on hold and then XXXX XXXX and he then stated that he if he would've had more respect for me and handle the call differently because he comes from a family of vets. So he is also showing bias with the people he is trying to collect from. I was told that he was going to block my number and I would not be able to call and if this is the case, then this needs to be removed.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
This is a recurring problem, not a duplicate complaint. Please send to the company for a response. Debt Parking. Company appeared on credit report. No dunning letter was ever received notifying me of my right to dispute the debt as required by the Fair Debt Collections Practices Act. I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in 2004 case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.
06/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11727	Web
On XX/XX/2023 I received notification from all XXXX XXXX Credit Bureaus of a new collection account added to my XXXX Credit Report. I immediately contacted the debt collector that reported this collection account, Vance & Huffman XXXX XXXX XXXX, XXXX XXXX on XX/XX/2023 and requested to speak with a Supervisor as I was not making any progress speaking with a Customer Service Rep. I was subsequently connected to XXXX XXXX XXXX. I advised XXXX, that I never received any documentation pertaining to this collection account prior to Vance & Huffman reporting this debt to XXXX. I informed XXXX that my rights according to the provisions of the FCRA were violated. I asked XXXX where did the Notice of XXXX letter go which was to provide me 30 days to respond, pay or dispute. I asked XXXX for the copy of the collection notice to be sent to my email proving they did not violate my rights. I asked for the ORIGINAL COPY of the collection letter, to show where in fact this letter was mailed, and more importantly WHEN they mailed the letter which should show a date prior to the date they reported the collection account to XXXX CREDIT BUREAU. When I received the Notice of Collection letter, not only was the letter mailed to an address not associated with me ; the mailing date of the letter was AFTER THE DATE OF THE REPORTING OF THE COLLECTION ITEM TO MY XXXX CREDIT FILE. As stated previously, Vance & Huffman reported the collection account to my XXXX Credit file on XX/XX/2023 however the Notice of Collection letter was XX/XX/2023. When I called XXXX XXXX back, I requested they remove the collection account immediately from my XXXX Credit Report - to which they DID NOT. I have disputed this account a total of XXXX XXXX ; and they continually verify this information as true and correct in violation of my rights. Vance & Huffman violated the rules and regulations set forth by the FCRA and NEVER NOTIFIED ME prior to reporting this collection account to XXXX. Please instruct Vance & Huffman to remove this collection account from my XXXX XXXX file immediately.
07/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web
Recently I received a notification about a collection from Vance & Huffman in the amount of {$1100.00}. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I logged into my report and found that this company illegally posted a collection account and the original creditor was XXXX, XXXX. I have never heard of nor had an account with either of these XXXX companies. I have never had an account nor any dealings with either of them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an XXXX from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from Vance & Huffman before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. This company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc.
10/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
I NEVER SIGNED AN AGARAEEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT. US Code 1692e False and Misleading Representation Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to befalse, including the failure to communicate that a disputed debt is disputed.
10/20/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	FL 342XX	Web
I called Vance & Huffman on XX/XX/XXXX to obtain a settlement agreement due to a debt showing on my credit while purchasing a new home. My closing date ended up getting postponed & the check was mailed later than anticipated. I called Vance & Huffman immediately to notify them on XX/XX/. I spoke to someone at first but she transferred me to XXXX XXXX. XXXX XXXX advised me immediately that the call was recorded. I explained to him the situation w/the check arriving later then anticipated & that my title company wrote the check for the incorrect amount. XXXX XXXX at this time was very helpful & friendly telling me it was no problem & that he would speak w/the company partners to get an overpayment check issued back to the original issuer. XXXX XXXX requested the title company call him directly because the check came from the escrow account. The title company called XXXX XXXX & he told them that he would work on getting the check mailed out to them. After waiting a reasonable amount of time & no check, I started calling XXXX XXXX but he was out of office or in meetings but would call me back. Never a single return after over a dozen phone calls over 2 months. Finally get XXXX XXXX to respond & he said he was waiting for accounting to respond & kept giving excuses for delays. Finally today he responds that they will not issue the overpayment check. XXXX XXXX is saying that the check was received after the settlement agreed date but we spoke on XX/XX/ & XXXX XXXX stated it was no problem & he was working to issue the overpayment. XXXX XXXX claims he was not involved w/my acct is false. This was a verbal agreement made on a recorded line. XXXX XXXX strung me along for 2 months and is playing games with my money & overpayment that was agreed upon being returned. While I understand this is an exception based on the agreement XXXX XXXX advised it was no issue & agreed to it in XX/XX/XXXX Business is based on the owners word and in this case XXXX XXXX word means nothing.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79603	Web
I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted Vance and Huffman they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, Esquire General Counsel For XXXX XXXX XXXX stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
10/16/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. Account Details : Vance & Huffman LLC Name : XXXX XXXX Account Number : XXXX Collection Agency : Vance & Huffman LLC Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
05/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38138	Web
Vance and Huffman LLC entered on my credit report in XX/XX/XXXX a past due account under the company name XXXX XXXX XXXX. I contacted them twice by phone, as well as disputed with XXXX credit bureau. XXXX closed my dispute saying Vance & Huffman said they confirmed this is my past due account. The second time I called Vance & Huffman, they provided a copy of the supposed check signed by me XX/XX/XXXX in XXXX, NM. The check not only does not have my signature, but the address underneath my name XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX does not exist, and of course have not lived there. The company listed on the check is XXXX XXXX XXXX using address XXXX XXXX XXXX XXXX XXXX, NM XXXX which comes up as an automotive repair shop of some kind under a completely different name. Additionally, I have lived near XXXX, NY since about XX/XX/XXXX, and have not even been inside the state of NM. Of course I have also never heard of XXXX XXXX, nor ever been into an XXXX XXXX XXXX store location anywhere. Vance & Huffman at this time has not confirmed they will remove from my credit bureau accounts, and continues to question this fraudulent charge, and therefore do not know what to do next. Vance & Huffman now also has entered the account onto my XXXX credit report fraudulently. I have also filed a Federal Trade Commission Identity Theft Report under reference # XXXX and do not know what to do. I have a credit freeze, and fraud alerts placed as well. Seeking additional advice as well because there was never a credit check/inquiry for XXXX XXXX XXXX XXXX to give the $ XXXX out under my name, which is now hurting my personal finances with low credit scores. If not resolved, I would appreciate professional advice on potential legal action I can take as well.
11/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77063	Web
To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. XXXX Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
08/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
one day I saw that I lost XXXX points on my XXXX account a debt collector Vance and Huffman LLC trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 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 : This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1
09/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 206XX	Web
The below information was placed on my credit report without any knowledge or company reaching out to me giving me the opportunity to proof that this is not my debt. I have no idea who these people are where this came from. I was contacted by my job stating i have 30 days to resolve this issue. I have made several identity theft reports. it was brought to my attention that all of my personal information to include my email address is on a dark web. I just recently had someone place an order with Macys using my debit card and email address but was sending the items some place else. Im at a lost and don't know what to do, however i don't know who these people are and what this is about and I want this removed from my credit file giving me an chance to resolve the matter. I know i havent purchased anything for {$3000.00}. VANCEHUFFMAN Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. Comments Placed for collection Your statement - Contact info Name VANCE AND HUFFMAN LLC Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX XXXX by Mail at XXXX XXXX XXXX XXXX, PA XXXX
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29115	Web	Servicemember
I do not recognize having any agreement with vance and huffman llc and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with vance and huffman .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20748	Web
There is still inaccurate data reporting on this account although I have disputed it before. I know for a fact that you guys didn't do an investigation because the inaccuracies are exactly the same as they have always been. Why are you refusing to investigate this account that is reporting inaccurately and keeping me from obtaining a mortgage? ? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : XXXX I XXXX XXXX? Account Type : I U? Account Type - Detail : I U? Bureau Code : I U? Account Status : I U? Monthly Payment : - M I U? Date Opened : I U? Balance : I U? No. of Months ( terms ) : - M I U? High Credit : I U? Credit Limit : - M I U? Past Due : - M I U? Payment Status : I U? Last Reported : I U? Comments : disputed I U? account - reported by subscriber. Date Last Active : I U? Date of Last Payment : M I U? Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75056	Web
Vance & Huffman, LLC. XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Vance & Huffman , LLC., is reporting the collection account referenced herein. I did not receive correspondence from Vance & Huffman, LLC., notifying me of the debt prior to it being report the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Vance & Huffman, LLC., cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76114	Web
Vance and Huffman LLC, a company that I have had no contract or contact with has incorrectly reported a " seriously delinquent '' collection account as a " factoring company '' monthly since XX/XX/2020, noting the original creditor as " The XXXX XXXX '', opened XX/XX/2020. I did not open an account with The XXXX XXXX in XXXX of XXXX, and have never been in contact with Vance and Huffman LLC. The XXXX XXXX account, which included two paid on time and in full loans, is not now or was ever reported anywhere else on my credit reports. I have tried disputing this account with XXXX and through XXXX XXXX previously with no success or clarification provided. I do not agree that an incorrectly reported account which I did not open with negative history, and in collections from Vance and Huffman LLC, whom I have conducted no business with, but are based on an inaccurate and incomplete history from The XXXX XXXX, which does not require a credit score or history at qualification, nor does it report loan payment history and account status, per their website : XXXX XXXX XXXX, should be allowed to remain on my credit report and has unfairly damaged my credit score. I have tried for a countless number of hours to research this on my own, in addition to filing the dispute, and I am asking the CFPB for assistance contacting the company and hopefully removing this inaccurate account, or for information regarding the laws that allow these practices by collection agencies that were never reported by the original creditor, inaccurate, and incomplete. Thank you for your time and assistance.
10/18/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web	Servicemember
On XXXX XXXX this complainant contacted the collection department for the check cashing store and spoke with the its collection department. I told the Collection department that a collection debt appeared on my credit reports for an unpaid loan. At that time they confirmed that I had paid all previous loans and that no loans or instalment loans were due or owed a that time. They concluded by stating that they were removing my number from being forwarded to their department. Vance & Hoffman LLC have caused damage to my credit report woith this erroneous debt, failed to provide any communication about the existence of the debt, which indicates that the failure to validate with proper notice about the alleged deb tin a timely manner prior to reporting the debt. By self admission, th failed to notify this complainant ; law office failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.
12/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web
I received a credit alert from a VANCE and HUFFMAN , llc. on my credit report with XXXX XXXX wit a XXXX XXXX collection account. I have no knowledge or any attempt from this company. The time is suspect as the debt is showing on my record to reman until XXXX which is 2 years away. This debt is possible out of the time line and I have asked to show my contractual original debt information. There seems to be a racketeer with Debt agencies and credit reporting companies. Once they notice individuals/consumers are trying to affix and maintain their improved credit records, they locate some old debt and try to harm the individual. The credit bureaus seem to be in the loop as well. Times have brought out those that profit and prosper on other 's misfortunes. ( as some have had medical, layoffs and other unfortunates that keep one in perpetual free fall in financial restraint ). ISSUE I was never given a chance to discuss, discover or otherwise on this debt with the collection agency, before it is placed on my credit. The debt agencies are suppose to give you notice and time, not just stick on your credit. No dates or time line given. It shows up as Derogatory on XXXX. I haven't had a chance to make any type of action. This is the first I have heard of the aforementioned agency. This is an attempt to create a new debt, that isn't! This is wrong and so PREDATORY OF CREDIT AGENCIES, SPECIFICALLY THE AFOREMENTIONED HUFFMAN & LLC.. IF I SPOKE TO THEM, I WOULD HAVE REQUESTED TO PROVIDE VERIFICATIO OF DEBT AND ACTED ACCORDINGLY with regards to my credit.
05/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 360XX	Web	Servicemember
I noticed that this company had placed an account on my XXXX credit report on XX/XX/2023. I am subscribed to XXXXXXXX XXXX Credit monitoring service, and I was notified that there was a new alert. This account was placed on my report on XX/XX/2023. This is the first time that I had heard of this company and was notified of this debt. I immediately called the number listed on my credit report and I spoke with XXXX. She says that they had sent out a letter to my permanent residence on XX/XX/XXXX, XXXX which was not true. Although I am living in another city while working, I am constantly monitoring my mail at my permanent residence, and I collect my mail one to two days out of the week when I return home. I never received this mail. I am working to improve my credit score after facing some difficulties due to the pandemic, If there was ANY type of communication sent to me regarding a bill, I would have responded. This company did not notify me. I sent them a letter stating that they did not notify me, as required by the Fair Debt Collection Practices Act and I asked them to delete this account from my report. I also disputed this account with XXXX, but Vance and Huffman continue to report this account. This is my last resort. If this account is not removed, then I will be forced to seek civil action. This one account dropped my credit score XXXX XXXX. I will not allow this company to affect my credit score to this point, while not following proper procedures as required by the Fair Debt Collection Practices Act.
11/30/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 79423	Web	Servicemember
To : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk State Bar ; About XXXX XXXX XXXX XXXX months ago, I received a phone call asking me if I was XXXX XXXX. They hung up. Then a large collection account was added to my credit profile. I filed a dispute via all three major credit reporting agencies. I requested proof and evidence. The only proof and evidence that was provided to me was a computer-generated signature. A couple of weeks ago, I made another attempt of getting this removed from my credit reports by emailing this law firm and XXXX themselves and requested some holiday compassion to forgive this debt due to permanent XXXX I am a 100 % XXXX XXXX XXXX XXXX Law firm Vance and Huffman llc has NOT responded. Today, XXXX did reply via email. They stated they could not help because the debt now belongs to XXXX XXXX XXXX. This is the first time I have heard XXXX XXXX XXXX. Vance and Huffman LLC has NEVER mentioned they are representing XXXX XXXX XXXX or any other collection agency. After speaking with XXXX on the phone, they informed me this is a XXXX ( XXXX ) year old debt that I DENY. On the credit report notes, Vance and Huffman llc states this is a XXXX ( XXXX ) month old debt. That is incorrect. Vance and Huffman llc has intentionally behaved unethical, irresponsible and committed FRAUD by intentionally providing false information to the credit reporting agencies regarding the amount and the original date of this alleged collection. FDCPA violations.
05/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 336XX	Web
I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character
06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : VANCE AND HUFFMAN LLC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. Best Regards, XXXX XXXX XXXX
12/22/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22802	Web
Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation. Additionally, Vance & Huffman accused me of making false allegations and blatantly dismissed my concerns as well rudely stating that I can proceed as I see fit. Vance and Huffman stated in their response that their compliance department reviewed the call. However, I never gave permission to be recorded, as well as they have yet to produce and said findings of call. They removed the account from my credit reports and within the same 24hrs placed it back on to my credit reports. Which now reflects even more negatively as a new collection account. Thus, decreasing my scores even further. Vance and Huffman are blatantly ruining consumers credit by using ethical practices and preying on consumers ignorance. I sent Vance & Huffman a Default and Opportunity to Cure via certified mail. I received the return receipt as well acknowledging receipt. Attached please find the initial Affidavit of Truth dated XX/XX/2020 and Default and Opportunity to Cure dated XXXX XXXX, 2020. Vance and Huffman has not responded to date XXXX20. Thus, going past the required legal timeframe allowed for responding. I will now proceed filling with the XXXX and XXXX Courts in order to receive assistance with resolving said concerns. It is unfortunate that Vance and Huffman continue to violate consumer rights and behave as if there are no consequences for their actions.
04/22/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 150XX	Web	Servicemember
A family member, one of my sisters, told me of a company called Vance & Huffman had been calling her daily and leaving voice mails stating they needed to get a hold of me for me to fill out paperwork. My family member finally was able to answer one of their calls to try and end their constant contact, she was at work when they called and unable to answer her phone. They again told her I had paperwork with them that needed to be finished but refused to state anything further when she questioned them. I researched this company online and found they have numerous complaints against them via the XXXX. Some other reports I found state they use phishing techniques to gather confidential personal information. I received a letter from Vance & Huffman stating they purchased my XXXX XXXX XXXX account and I owe them {$670.00} and if I do not reply in 30 days they will assume the debt is valid. I had run my credit report on XXXX/XXXX/2016 and the account they are claiming does not exist. I did have a XXXX charge card years ago and it has been off of my credit report for 2 - 3 years now, it was paid and closed. After researching this company I am leery contacting them via a phone call since they would now have my phone number, demanding money for an account that does not exist is why I am contacting you, I doubt my phone call would do any good in resolving this issue, I obviously want to avoid this company having any more information on me as possible.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	WA 98405	Web
XX/XX/2023 I reached out to Vice and Huffman in Virginia to inquire about a credit account that I was not aware of previously. However, the director of the credit collection agency, XXXX XXXX, along with a lady who answered the call, was not cooperative and rude when I requested more details about the account. Once transferred, He ( XXXX XXXX ) did not engage in a proper discussion, which made it impossible for me to confirm the accuracy of the reported balance. During our conversation, XXXX XXXX kept mentioning that he was recording the call and kept interrupting me when I tried to clarify certain information. As a result, I found it challenging to fully understand the situation, resulting in a XXXX XXXX making threating commenting to retaliate against further actions of dispute. I will not stand for mistreatment while trying to access accurate information about my credit report. XXXX XXXXXXXX XXXX neglect and dismissive behaviour has made it hard for me to get important details. XXXX XXXX heavily implied that he will retaliate against me if I made any complaints. The intent of the call was to gain more knowledge on the account and mentioned that it needs to be removed because of error and false reporting of the details across reporting agencies and the closing of the original account and the open line of credit to this date which is also false. After further research, this falls under the Tile 604 and 609 of the FCRA.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84081	Web
I filed three disputes with XXXX and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacteXXXX XXXX and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information Vance and Hoffman, XXXX XXXX and XXXX need to be investigated and corrected. XXXX XXXX is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and XXXX is showing XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. XXXX should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything
12/13/2017	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29646	Web
XX/XX/2017 XXXX XXXX Call Length 9 Minutes 1 Second This was a verbal communication. Not a written communication. Spoke with XXXX XXXX at XXXX XXXX XXXX regarding my XXXX Account. She never told me she was a debt collector and she never stated the " mini miranda '' during the call. I never heard her say " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I dont even think she advised me that the call would be monitored and recorded for quality and training purposes ... Which I later found out through a manager that their calls are recorded. While speaking with her I attempted to resolve by mailing in a payment and she refused to provide a physical address for her company where I can mail my payment. She advised me the only way to resolve at this point was a card ; which I do n't believe to be true. She never provided an address. When I tried to call back to find out if they were an attorney office or a collection agency the person I spoke with told me that they have attorney 's there but she doesnt know if they called me. I feel like they violated my rights as a consumer as well as the FDCPA ; considering they were misleading ; unfair and deceptive in what she did and did not say to me during the course of the call. I do n't mind someone collecting a debt from me ; but I would hope that they would do it lawfully.
10/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75040	Web
I have obtained a recent copy of my credit report and discovered this account number XXXX. The account is UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations that appear to be not in lawful compliance to reporting regulations. I understand my rights and I am serving you written notice of my consumer demand checking for your federally required proof of compliance even to the XXXX XXXX data field formatted regulatory reporting obligations of you as a specific mandate due to the XXXX enactment and implementation of the standardized XXXX sponsored XXXX XXXX Compliance rules. The Fair Credit Reporting Act dictates that any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that the account in question was not handled properly. I am enacting both my consumer and my civil rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to provide me with written documentation of the deletion of this erroneous information for not lawfully compliant which obviously in question. You can be assured also that immediately I am also notifying the XXXX XXXX XXXX and Consumer Financial Protection offices in regards to this unforgivable and extremely injurious error in your clear mis-reporting of illegal mis-information
02/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web
Account Name : VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and thE contract they sent over does not have my address or signature on file. The contract also shows 1 payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( FDCPA ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially one that does not belong to me.
08/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33137	Web
since XX/XX/XXXX I'm trying to the get any proofs from Vance and Huffman for the account they are saying is mine, which is fault statement! not once in over a year I was provided any proofs from them. but they constantly was saying they send, which Is not true!!! and this collection remains on my credit report and hurting my credit score and I have perfect credit history! I sent multiple XXXX disputes. XXXX validations was sent to me! On XXXX I called into the office and spoke to a representative. the said they will do investigation and they will be contacting me! not once anyone contacted me or provide any proofs.. on XXXX I filed complaint towards XXXXance and Huffman via XXXX complaint making the same statement- and. Again, XXXX!!!! validation was provided per my request. I still have collection on my credit report - and XXXX proofs that I owned it, it was identity fraud. last time I filed complaint with CFPB and they said - The file is too large to attach to the complaint., and they finally told me where to log in to see documents. that's what they say : " Please visit XXXX, your account # is XXXX. You will be able to view all the documentation there '' and I did! and guess?! there is no documents! XXXX! I'm attaching screenshots : I`m asking again please delete this frudeltly collection from my credit report ASAP, because I won't stop until it will be done!
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 339XX	Web
There is too much unacquires on my credit report. Fraud from following companies 1. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
09/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30253	Web
On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( VANCEHUFFMAN ) the collection agency. I had a balance of {$730.00} I asked what was this balance for they stated they couldn't share the information and they had to send me details by mail, which in turn they stated an address that was not mine by any means. I brought that to their attention and immediately they asked for my current address which I refused to give to someone I don't even know and never the less to someone who can't even validate my name, address, or even ssn. I proceeded to ask them to email me the following proof of the debt owed, a signed contract by me, proof of my identity which I asked for my id, and ssn, and I also asked for proof of address which I already knew they had an address I never lived in. They refused to email me any of the required documents they stated they contact the credit bureaus to have the item removed and it was not removed. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.
04/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30044	Web
Company has failed to provide proof with my signature showing they have validated this debt m. This company continues to violate CFPBs rules and regulations this company continues to disregard the rules and regulations as it pertains to providing this said debt with my actual signature validating that said debt correct and accurate. I have already provided proof to XXXX that this is not my debt and this debt was removed from my credit file. This company continues to report inaccurate and false information on my XXXX credit report. This company did not provide proof of any documents showing an ink signature on an actual contract indicating I have validated this debt and indicating I have acknowledged and obtained this debt. Instead this company provided a copy of a factious drivers license that does not belong to me and which has already been identified in my police report that is in file with the credit agencies, this item does not belong to me remove it from my file. Providing a copy of a drivers license does not substantiate this debt belonging to me nor does a copy of a drivers license indicate I have obtain this debt and validated that this debt belongs to me. As stated earlier I have already filed identity theft report which is located on all three of my credit reports please remove this debt this does does does not belong to me.
07/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
On Today XXXX XXXX I noticed on my credit file that Vance & Huffman placed a collection on my Credit file .Vance & Huffman has violated my consumer right Pursuant to 15 usc 1692 a ) '' Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium in this specific case you Vance & Huffman used ( XXXX credit reporting Agency ) to communicate to me indirectly with me a consumer who is defined under Pursuant to 15 usc 1692a ( 3 ) as any natural person allegedly obligated to pay any debt. You Vance & Huffman are also in violation of USC 15 1692b ( 2 ) which states you may not state that I a consumer owes any debt. You are also in violation 15 USC 1692e ( 2 ) ( A ) by giving false representation of the amount owed to you or deceptive means to attempt to collect any debt Pursuant to USC 15 1692e ( 10 ) Vance & Huffman has also violated my consumer right Pursuant to USC 15 1692 e ( 9 ) articulates that the use of any written communication which you creat false impression as to its source, authorization, or approval as Vance and Huffman is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to USC 15 1692a ( 4 ) Vance and Huffman pursuant to USC15 1692 a ( b ) are in violation as I never gave my Personal information directly.
05/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06514	Web
In XX/XX/XXXX a collection account appeared on my credit report from Vance & Huffman LLC collection agency/ attorney. The account # listed is XXXX. The address listed for this company is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I have disputed this account several times with XXXX XXXX, XXXX XXXX credit bureaus and the only response which I received was that it was verified. I was a victim of credit fraud in XXXX and had a victim alert added to my credit file with all 3 credit bureaus and the CFPB. This was XXXX Vance and Huffman are insisting for payment for a mattress which was purchased at a store called XXXX in XXXX, XXXX I contacted the store and requested documentation for the goods which were purchased and was told they do not have it as this was opened in XXXX. Please help with clearing up this matter. I will attach a copy of what is on my credit report in addition to the victim statement which was added in XXXX for the fraud which occurred concerning another account that the CFPB assisted with removing. This collection account is causing me undue stress and harming my credit rating. I ask that due to the length of time this has been ongoing that any penalties or liabilities which Vance & Huffman may have violated that I am awarded any monies under section 1002.16 Enforcement, penalties and liabilities.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32773	Web
Re-aging collection accounts is illegal and prohibited by the Fair Debt Collection Practices Act ( FDCPA ). Re-aging Refers to old practice collection agencies use to change the date when an account first went delinquent. Reporting this information regarding this collection agency practice of unscrupulous actions. Collection agency Vance & Huffman LLC. Account # XXXX and Account # XXXX. Origination date opened XX/XX/XXXX According to the Federal Fair Credit Reporting Act ( FCRA ) to report 100 % accuracy. XXXX Acct # XXXX also Acct # XXXX Vance & Huffman Date opened XX/XX/XXXX inaccurate Re-aging the accounts. The ( DOFD ) date accounts become 30 days late with no payment. Also showing these accounts as just becoming opened in XX/XX/XXXX Becoming delinquent the following month XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection. XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, etc. With Fraudulent deception with the attempt to report longer on consumers credit report. in hopes of ruining my credit score. XXXX Report # XXXX this has had damaging effects, I'm reporting all the misdealing 's against all parties involved with the state attorney General office .and demanding that these accounts be Deleted immediately from all three credit bureaus.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92105	Web
Vance and Huffman LLC. Reported an incorrect Derogatory mark on my Credit Report. Which they claimed that was obtained on XXXX XXXX and the companys name is XXXX XXXX! Vance and Huffman Also claimed in the report that was sent back to me by CFPB that they have never spoken to me before. And they sent out a letter regarding the accounts on XXXX XXXX. To my home address and I have yet to receive anything from a business called Vance and Huffman. Especially if its regarding a loan they are insinuating I owe them or XXXX XXXX, yesterday I reached out to XXXX XXXX directly and was told by a representative that They dont have any information on file that states I owe them money but Vance and Huffman stated that I should reach out to them to give me more clarification. But if theres a loan open Vance and Huffman havent reached out to me? Since they obtained the accounts in XXXX we are in XXXX. They should have all my details to reach out to me and talk to me about the accounts I supposedly open. Could it be that they dont have my number? Or they dont have documents of my signature on the loans. But they reported it on my credit report that I XXXX owe them money. But they havent reached out to me. Why is that. Its unprofessional and very unethical to not speak to someone about an account that was open using their information.
11/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21122	Web	Servicemember
On XX/XX/2018, it was brought to my attention that someone had committed a fraudulent act on my identity. I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, where I have been informed that I have a {$520.00} delinquent debt. I called and inquired with this collection agency the reason for the debt. They told me that the delinquent account had originated from XXXX XXXX for a bed mattress that been purchased from XXXX XXXX, a company out of XXXX, Maryland. I explained to the collection agency, that I had never heard or purchased anything from this company. Additionally, I informed them that I had never received a bill advising me of the outstanding debt. I then contacted XXXX XXXX XXXX representative and they spoke with the manager concerning who opened an account with my data. They explained to me that for someone to be eligible for a leasing contract of the approval purchases any mattress ; the customer only required they provide two forms of identification. I am assuming that a person who used my identity was able to get a leasing contract approved fraudulently with XXXX company. I would like to file a complaint and request action to have this matter resolved. I am not responsible for the debt that was made and am willing to go to trial to show that I am not the person who opened the account.
10/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23231	Web
I never did business with the Vance and Huffman LLC. They never sent me any notifications via email, mail, text, or phone call. I tried to dispute the debt via XXXX and that was simply a waste of time and I am positive that they did not do a thorough investigation because they would have seen that the debt to XXXX XXXX XXXX was paid in XXXX in the amount of {$1600.00}. I also tried calling Vance and Huffman LLC directly to dispute the debt of {$3100.00} and was told that they was a third party debt collector who obtain the debt from a company called XXXX XXXX XXXX. I told them that I paid XXXX XXXX XXXX debt totaling {$1600.00} in XXXX and that I have proof that the account was paid in full on my credit report. Vance and Huffman LLC still reported this debt to my XXXX credit report on XX/XX/XXXXXXXX in the amount of {$3100.00} which is still negatively affecting my credit as of XX/XX/XXXX. I want it removed as soon as possible from all of my credit reports and to press charges against this company for not notifying me about the debt and falsely reporting such negative item on my credit report and trying to make me pay almost twice that amount. Again Vance and Huffman NEVER contacted me about this debt and reported it directly to my credit report on XX/XX/XXXX. PLEASE HELP ME and thank you for your assistance.
09/02/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
My credit report alerted me to a collection that was added to my credit report in the amount of {$670.00}. bought from an original creditor, XXXX XXXX XXXX. This was a corporate account that has been inactive and dissolved since XXXX. I am NOT responsible for this debt. The collection agency has reported it as a new collection with original open date of XX/XX/XXXX. I have demanded that they provide me paper work to prove that I owe this debt, and the dates that correspond, and correct their error immediately. and still have no response. I have made a formal complaint with the XXXX, as well as, active disputes on my credit reports. This has affected my stellar credit rating, and has caused me a hardship in regards to interest rates on my existing cards, and refinancing my house. My father has been diagnosed with XXXX XXXX XXXX, and I find it despicable that this company can provide false and inaccurate information, causing tax paying consumers hardships, and during a pandemic to boot!. I demand that this collection account be removed from my credit report immediately. I fully intend to press forward and hold them accountable for any hardship that have caused now and in the future. This company has a history of complaints, and should NOT be allowed to continue to defraud the consumer and not be held accountable.
11/20/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91601	Web
In XX/XX/XXXX, I checked all 3 of my credit reports and discovered that there is an inaccurate debt noted on my XXXX and XXXX credit reports. This false debt is being reported by a collection agency known as Vance & Huffman , LLC. It is being inaccurately reported that I took out a loan in the amount of {$250.00} in XX/XX/XXXX. I immediately disputed the claim with both credit reporting agencies and contacted the original company from which this false debt came from - XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX relayed to me that I do not owe them anything, I DID NOT TAKE OUT ANY LOAN in XX/XX/XXXX. XXXX XXXX agreed there has been FRAUD and IDENTITY THEFT against me and escalated the matter to their Financial Crimes division. XXXX XXXX has said that they would contact Vance & Huffman to remove this invalid debt. So far, Vance & Huffman have failed to remove this false debt on my credit reports as my disputes have been refused by them. This inaccurate credit reporting has caused me financial harm and emotional distress. My credit score and financial standing have been horribly affected by this blatant misinformation. Vance & Huffman LLC is violating the law by reporting inaccurate and false information about me on my credit reports in trying to collect on a fraudulent claim.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76106	Web
There are multiple inaccuracies being reported on my credit report and I have disputed them all through XXXX and XXXX along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vance and Huffman XXXX XXXX
12/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78045	Web
To whom it may concern, You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for you collection of this alleged debt? Please send evidence your authorization to do business or operate in the state of Texas Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
01/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19120	Web	Servicemember
On XXXX XXXX Vance and Huffman LLC reported a debt to my credit report without any communication. I called the office and left a message requesting a return call on XX/XX/XXXX with no response. I called again on XX/XX/XXXX and spoke with XXXX XXXX XXXX. I gave XXXX XXXX permission to speak with my fianc on the line because she has credit reporting background. XXXX XXXX would not allow her to speak when she attempted to address the communication issue, and stated a call was made but it is illegal for a collection agency to leave a message on a voicemail. We attempted to address the timeline of communication because this organization is a third party agency that purchased the debt from a previous agency between XX/XX/XXXX and XX/XX/XXXX. According to FDCPA they are to give the debtor at least 14 days from notification to acknowledge or dispute the debt, and again there was no notification sent. We attempted to verify the debt stating the previous agency found the debt was not valid and this was never reported to the credit reporting agency until they purchased it. XXXX XXXX then stated that he knew nothing of the previous agency and that he received the information directly from the creditor, when all 2 credit reporting agencies are reporting his company as a 3rd party.
03/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77407	Web
Vance and Huffman is reporting an inaccurate collection account on my credit reports that I have disputed directly with them. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. In response to my dispute they sent me a letter stating that they would contact the original creditor for documents and would cease all collection efforts on the account which I have attached the letter below. When disputing an account from a consumer reports, the creditor has 30 days in receipt of my dispute to complete their investigation and send over all requested documents. I received their response on XX/XX/2023 which means they had until XX/XX/2023 to send over the documents they say they reached out ti the original creditor for. I have yet to receive any further information in the mail regarding this debt. Furthermore, once Vance and Huffman received this debt all supposed documentation should have been given to them. Its obvious that this account can not be verified and should be deleted from my reports. I am not sure why its still reporting when they stated they would be ceasing all collection efforts meaning that this account would be dropped from their office. I am demanding that this account is deleted from my reports now!
08/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19120	Web
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
09/29/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN XXXXX	Web
On XX/XX/XXXX I spoke with a woman XXXX at Vance and Huffman in regards to a debt owed on apparently 2 accounts. One of them XXXX could not give me any information into what this debt was only the name XXXX, I explained to XXXX I would like to dispute this charge because I have no idea what it is or who XXXX is. The next payment I was told was from XXXX and I owed XXXX dollars from the now-closed XXXX. I explained to XXXX that I am out on a leave of XXXX and have only a little income but am willing to make some form of an arrangement, That was settled and I then get a call from family members the next day that XXXX from Vance and Huffman are looking for me.They have repeatedly called the family from my sister n law my son, daughter someone in my family who lives in Kentucky! It is harassing! I called to inform them to stop on XX/XX/XXXX and when I dialed the number XXXX it rang and a woman answered and never a mention of the company it was just hello like I was calling someone home.I am not sure if this is a scam but I gave my debit card number.The woman spoke to me rudely and sharp and I just don't get it.I am a XXXX worker who works on a XXXX XXXX and I am tired, stressed and worn out and I do not deserve this kind of treatment
02/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30228	Web
This statement pertains to what has been deemed Fraud in the Factum by default. Vance & Huffman, LLC/XXXX XXXX XXXX XXXX Account Number : XXXX, Address ID # XXXX received an affidavit via certified mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX in which Vance & Huffman has refused to rebut. I specifically requested a True Bill in Commerce for proof of an amount in which I allegedly owe.I have NEVER contracted services with Vance & Huffman specifically. I advised XXXX XXXX XXXX that extending of credit is not a loan as credit is not legal tender and thus nothing of value was ever exchanged. Vance & Huffman was also advised that unauthorized selling of any promissory note I may have signed under duress with the intent to profit from said asset without my knowledge is theft and Fraudulent Concealment. I also alluded to the fact that not all material facts were disclosed to me at the creation of the alleged original debt. As of the date of this filing, Vance & Huffman has not rebutted the initial affidavit and XXXX, XXXX and XXXX have also refused to acknowledge this Fraudulent account. I filed an identity theft report via the Federal Trade Commission FTC report Number : XXXX on XX/XX/XXXX and no response has been received.
09/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34711	Web
This collection agency vance and huffman says that I have a collection of XXXX dollars from some company name smart pay. They also say that the account was opened in XX/XX/2019 which is Incorrect I never opened no account for the company they are referring to on that year or any year. I called smart pay and they can not find no information pertaining to any account under my name. This is not the first time that I complain or fight back against a collection agency for this particular account. More then 6 years ago I was contacted by a collection agency about this account and I disputed with the credit bureau and the collection was removed. Now they are hunting me down with the same account, different collection agency and saying that I opened this account on XX/XX/2019 which is false. I disputed this account with my credit bureaus but they don't want to remove this same account again because this company keeps lieing saying as if I open this account recently and now it's in collection. I want this collection removed because I do not recognize this collection as mine and the originator smart pay can not even locate any account under my information which makes me think that this is fraud and it's affecting my credit.
01/31/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95838	Web
The original balance was {$2100.00} and I paid $ XXXX monthly for over a year. The account was opened pre-pandemic in XXXX and in XX/XX/XXXX because of the pandemic my salary was reduced by 10 % and I couldnt keep up with the payments. I tried to make arrangements for a lower amount and it was not accepted. I was willing to make smaller payments during the pandemic until my salary was restored. The original creditor ( XXXX ) sent the account to collection without my knowledge. I recently noticed an entry in my credit report for a collection in the amount of {$2900.00} which is more than what I owe. I did receive a threatening message from the collection agency about a week ago stating they have all my information and will show up at my place of employment or at my house and even called my Mothers house giving her details. Most people during the pandemic suffered losses and my intentions was never to NOT pay whats due and this is why I had already made over XXXX consecutive payments on the account. I think the collection agency is taking advantage of the pandemic knowing most people suffered some type of loss. They want to hurt people by adding a collection in their credit report which is not fair.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : VANCE & HUFFMAN LLC Original creditor : XX/XX/XXXX XXXX XXXX XXXX AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX
07/01/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77380	Web
A company by the name of Vance and HUFFMAN , LLC contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX XXXX but I've reached out to XXXX XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation
04/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 34711	Web
Well more then 7 years these people from XXXX XXXX have been hunting me down. They affected my credit more then 7 years ago and ever since then have been trying to add themselves to my credit with different collection agencies they sell the collection to. Now they are affecting my credit for so long even while I told them many years ago that if I did recognize this collection everything was already paid off but this is getting out of hand. Now they sold this account to another collection agency and they are affecting my credit under the company name of VANCE AND HUFFMAN LLC. And are lying and saying that this collection was opened in XX/XX/2019 for the amount of XXXX which is totally inaccurate. This company has been hunting me down and now affecting my credit and all of this is stressing me out and I need someone to help me and find an ending to all of this. This is not the first time that I contact XXXX and the other credit reporting agencies about this and now this account under a new collection agency is trying to make false allegations with false dates to have me pay for something I did already and putting something on my credit that was already erased more then 7 years ago.
02/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37076	Web
I had an account with XXXX XXXX that went into collections. They sent it to a third party. I was contacted by a few third parties over this debt so I honestly do not know what XXXX XXXX was doing but the last one that contacted me was the one that had it on my credit report. I paid the debt. Now this Vance and Huffman add the same balance to my credit report. I contacted them and they state the other company does not have rights to the debt so I have to pay them even though I already paid the other company. I called XXXX XXXX and they stated the original company I paid has actually got the debt. I called Vance and Huffman again and explained it and they rudely argued with me and refuse to work with me. They state they will not remove it from my credit report even though I paid the other company and the original creditor agrees it is paid off. I do not know what to do. They refuse to help and all this when I was trying to get my house refinanced and now have to pay a higher interest rate because of this. Both XXXX XXXX and Vance and Huffman has handled this poorly as XXXX XXXX is telling me there is nothing they can do as they are no longer responsible because they sold the debt.
01/29/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 91101	Web
on XX/XX/XXXX I sent a letter to VANCE & HUFFMAN requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report under account # XXXX. However its now XX/XX/XXXX and they have yet to honor my request nor have they produced the documents I asked for. I dont owe this company anything, nor have they validated this misleading information. Also, the details under this account first appeared on my credit report with the original creditor where it was deleted by XXXX, XXXX and XXXX XXXX, for being inaccurate and unverifiable. The account was then sold to VANCE & HUFFMAN where it reappeared back on my credit report. After VANCE & HUFFMAN failed to respond to my last request. I then sent a another letter on XX/XX/XXXX demanding VANCE & HUFFMAN stop all collection efforts and remove this account from my report. Please have VANCE & HUFFMAN remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. Thank you for your Time.
09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92335	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
04/28/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 92570	Web
Vance and Huffman LLC representatives repeatedly make calls to my phone despite my request for them to stop. They are reporting negatively on my credit report and I have informed them this debt does not belong to me. They often call early in the morning before XXXX XXXX. On XX/XX/2023 I called Vance and Huffman LLC to directly dispute the debt with the company however I was denied debt validation being told I had to pay for them to tell me any information they had regarding this debt which totals {$460.00}. I would like this company to provide by mail to the address they have on file debt validation and not verification that is competent evidence that I have some contractual obligation to pay them. Please include the name and address of the original creditor, the account number, the amount owed, age of debt along with a copy of the last billing statement from the original creditor, any information regarding interest or payments made since the last billing statement, the date the original creditor claims this debt became delinquent, whether this debt is in the statute of limitations and how that was determined.
12/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76110	Web
On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as Vance & Huffman , LLC with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made. This morning, after an additional review of my XXXX and XXXX reports, it was associated with XXXX XXXX. I attempted to contact XXXX XXXX from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times. I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.
12/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29456	Web
A company called XXXX XXXX XXXX reported a loan that I NEVER took out. They have 0 proof of me taking out the loan and on top of that, they have multiple reviews from other people reporting the same thing. This site needs to be shut down. They are stealing from people and selling loans to debt collectors that people never took out. I never got any money from XXXX. I never signed any documents with them. I never took out a loan with XXXX. The company sold this loan to a debt collector named Vance & Huffman. This is affecting my credit as it showed up on my credit report in collections. I NEVER took out this loan. I don't have dates and times because I never worked with XXXX but Vance & Huffman who bought the debt from XXXX and should also get in trouble for not reviewing XXXX before buying this debt ( especially with so many similar complaints out there about XXXX ), they list XX/XX/XXXX as when this hit collections on my credit report. The amount they say I owe is {$4100.00}. I need this removed from collections but the credit bureau is not being thorough with their dispute investigations. Please help.
02/28/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 75149	Web
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX XXXX. I am in the process of contacting XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. The XXXX XXXX did finally respond to my complaint and they had a different number than what is being reported on my credit report. When I contacted them they said they do not have it and some come other company does and I have no clue as to who they are either and the problem is the numbers do not match and that it needs to be fixed. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
02/28/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 75149	Web
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX XXXX. I am in the process of contacting XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. The XXXX XXXX did finally respond to my complaint and they had a different number than what is being reported on my credit report. When I contacted them they said they do not have it and some come other company does and I have no clue as to who they are either and the problem is the numbers do not match and that it needs to be fixed. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
12/06/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48238	Web
Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. VANCE AND HUFFMAN LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only VANCE AND HUFFMAN LLC responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
05/05/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Vance & Huffman LLC.. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
05/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70508	Web	Servicemember
I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, VANCE AND HUFFMAN LLC, listed a debt owed, for original creditor, XXXX XXXX. The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for XXXX years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.
11/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SD 57701	Web
On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXXXXXX XXXX XXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered XXXX XXXX to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. XXXX consented to this order. In XXXX of XXXX, XXXX sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, Vance and Hoffman purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.
12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20706	Web	Servicemember
The company has placed an account on my credit report that is not my account. They sent me a contract that was signed and its not my signature. The original company XXXX XXXX placed an account on my credit report stating that I owed them {$400.00}. I disputed this account with the credit bureau and they removed it after I tried to write the company on XX/XX/XXXX and the letter was returned to sender. Thereafter XXXX XXXX, another buyer bought this account and it was removed from my credit report after I disputed the account. I received a letter from Huffman company on XX/XX/XXXX, stating that I owed this money. I have explained to the credit bureau that this was an fraudulent account and I did not open it. I disputed this again with the credit bureau and they said that the information was verified by Huffman & Vance. This company added this account to my credit report and stated that I opened this account with them in XX/XX/XXXX with is inaccurate. I received an letter from the Huffman company with a copy of a signed contract. This is not my signature. This account does not belong to me.
05/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28120	Web
I decided to check my credit report and noticed that a company by the name of VANCE AND HUFFMAN LLC was listed on my credit report as a collection. I have never heard of this company before, nor have I made any agreements with this company. On XX/XX/2022 I Mailed a Certified Letter out to VANCE AND HUFFMAN LLC disputing this debt which I have no knowledge of. They mailed me a letter which showed payments for another company which I have no knowledge of, along with a signature that was typed out claiming that it was mine. I decided to send another certified letter on XX/XX/2022 because I couldn't understand why they were sending me a document with a bunch of payments listed along with a fake signature. I received a letter back stating that there was nothing they could do. A couple days later I received a letter in the mail telling me that I need to make a payment. This company is reporting false information on my credit report and it is really causing me a tremendous amount of stress because I am getting turned down for things that I should not get turned down for. Please Help!
05/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VT 054XX	Web	Servicemember
At the end of XXXX 4 collection accounts were placed on my credit record XXXX and XXXX but not XXXX these 4 accounts I desputed with both agencies as I never received any correspondence from the collection company listed on my credit report I said that it was not myself I never presented a government issued identity or social security card at time these accounts were supposed to have been opened by myself. I received nothing from the burrows as a reason to me being responsible for the debts they just said that they are my accounts and I was given no proof by anyone to show I opened them they are for {$1500.00}, {>= $1,000,000}, {$370.00}. They never even told me to whom these accounts belong to ( original creditor ) the collection company is " Vance And Huffman LLC '' I had perfect credit before this they say on my credit report that they will be on there until paid or XX/XX/XXXX I can get a police report or whater is needed but I would like to see proof I opened these accounts with proper identity like my other ligit credit card accounts or revolving credit accounts required.
04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29406	Web
I, XXXX XXXX, consumer, am submitting this communication to inform VANCE AND HUFFMAN LLC XXXX. XXXX, XXXX {$1900.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
12/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web
Account Information XXXX XXXX I have been in contact with VANCE & HUFFMAN LLC for over a year now via phone, company website and disputes sent via the credit bureau. I have informed them that a company that I previously owned was used to take out several loans using a company that had went out of business and my personal information. The loan that was taken out with taken out with XXXXXXXX XXXX XXXX used my personal information as a personal guarantor but also someone else information that was not associated with the business nor was a signer on the documents with the state. The only other party who as able to sign or enter any contractual agreements was my spouse who was not listed anywhere on the agreement. The equipment that they are trying to hold me responsible for was shipped to an address where I no longer lived or received mail. The collection agency refusing to look at any documentation original contracts, lease agreements, police reports, business status with the state of GA when the loan documents were created, which all show that the debt is not valid.
08/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	KS 66223	Web
Hello, We've attempted to dispute this debt on multiple occasions without achieving a resolution. We acquired a car from XXXX XXXX in XX/XX/2018. Before signing our contract, the dealer informed us that if we chose to terminate the lease early, the vehicle return fee would amount to {$790.00}. They assured us that we could voluntarily return the vehicle to the dealer, preventing it from being reported on our credit, and this action would settle the entire account, bringing the balance to {$0.00}. This information is outlined in the attached contract, along with supporting transaction evidence. Despite our efforts to share this with the collection agency, they insist on requiring a letter from the dealership. We've responded to them multiple times, emphasizing that they should possess validation of the debt from the original creditor on their end, given that they are the ones reporting it. At this juncture, we find ourselves uncertain about the next steps and believe involving an external party to investigate this matter would be more suitable. Thank you.
04/21/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77450	Web
I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " Vance and Huffman '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.
06/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 330XX	Web	Servicemember
In XXXX, I cashed two posted dated checks at XXXX XXXXXXXX XXXX XXXX in XXXX Fl. They didnt hold them and tried to cash them. The didnt clear. They called me and told me they would turn it over to XXXX XXXX Attorneys Office to collect monies owed through courts. the check amounts were {$110.00} and XXXX. SO I get the money and delivered it to them paid in full. Much to my surprise in XX/XX/XXXX Vance and Huffman LLC placed these on my credit report. I called them and told them they were paid. They said they didnt care that I owed the money. Quite rude. I called XXXX XXXX XXXX XXXX and they said they had no record i owed them any money. I called the collection again but they demanded I pay on a debt that had been paid in full years before. I dont have the receipt of payment because I changed banks and moved a few times. Covid happened shortly thereafter. This has caused great harm and undue stress. My attorney advised me to file a police report against Vance and Huffman. I want this removed from my credit immediately as its caused me great harm.
05/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11422	Web
On XX/XX/2023 I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Vance & Huffman LLC properly investigated this account because there are obvious inaccuracies. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment is messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported Vance & Huffman LLC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75034	Web
Federal Trade commission Case # XXXX XXXX XXXX XXXX Case XXXX XXXX Attorney General Attachment submitted VANCE & HUFFMAN LLC Account # XXXX The account above is not mine account and I want it deleted off of my credit report ******NOT MY ACCOUNT**************** I looked over the verification letter received from Vance and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXXXXXX XXXX XXXXXXXX im not even familiar with the company and this information need to be removed from credit report because it violating my rights. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web	Servicemember
XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for 3-Months XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. This is Incorrect info to the car loan. {$750.00} is from a old collections XXXX. Vance and Huffman , LLC. On XXXX, XXXXXX/XX/XXXX Acc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. This Information was reported by ;XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75253	Web
I sent a letter last month to Vance & Huffman LLC regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company Vance and Huffman a right to ignore my requests. I sent a letter XXXX asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also wasn't provided with a license in the state of TX permitting them to collect any debt from me. I also asked for validation but was not provided that information. There are many FDCPA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
11/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Vance and Huffman representing XXXX XXXX XXXX. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.. Also VANCE AND HUFFMAN never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified VANCE AND HUFFMAN that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
11/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Vance and Huffman representing XXXX XXXX XXXX. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.. Also VANCE AND HUFFMAN never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified VANCE AND HUFFMAN that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92584	Web
Vance and Huffman LLC added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my HOA. This debt could not have been validated by Vance and Huffman because it is not my debt and does not match my information.
11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60628	Web
Vance Huffman LLC I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT Vance and Huffman. They sent me a letter with a company name XXXX XXXX XXXX XXXX balance XXXX XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20720	Web
I saw on my experian report a dept from Vance & Huffman LLC on XX/XX/XXXX for the amount of {$12000.00}. I wrote to experian requesting for them to verify and send the instrument in how this dept was verified. All they would send back was that it was verified. I mailed a letter XX/XX/XXXX and XX/XX/XXXX. I wrote to the collection agency and they never sent back any documents verifying the debt XXXX and XX/XX/XXXX they ignored my request documentation and they failed to remove from my report. I also called and reported to experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they kept saying the dept was verified but never supplied the documents being my signature or showing i personal entered in to a contractual agreement with them. My house had a fire in XX/XX/XXXX and my famiiy was moved out of our home for 9 months with all of our personal items being boxed up by a third party company I added the fraud protection to my report after I had several things Pop up on my report that I never applied for or received money.
02/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 453XX	Web
Hello I hope you guys can help. I have been dealing with this debt for 8 years and no matter how much time goes by I just can NOT get these guys to take this off my credit. After 6 or 7 years ( I forget which ) creditors have to take old debt off your credit report. Legally their are NOT allowed to continue to ruin my credit for the rest of my life over one thing that happened in XXXX. I had gotten some things from XXXX XXXX XXXX XXXX and my house was broken into and all the items stolen then I lost my job and was unable to pay for the items. Well it's been 7 years and they can't just continue to try to collect on that forever and ruin my life over it, it's past the statute of limitations and they're still putting this on my report. It even said on my credit report that it would have to be removed XX/XX/XXXX and they somehow got that date removed now it doesn't have any date for removal. They have to take this down they don't have a choice it's illegal to continue to do what they're doing to me and I need help!
02/17/2021	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 220XX	Web
Account was opened XX/XX/XXXX. Thats when the calls started. They called 15 times a day from XX/XX/XXXX until XX/XX/XXXX. Before the hours of XXXX, after XXXX on weekdays and weekend calls have also been noted - totaling 120 calls between XX/XX/XXXX and XX/XX/XXXX. These calls can be directly linked to the company due to the fact vanchuffman came up on the caller ID. On XX/XX/XXXX a dispute was opened to state that this amount was incorrect, that the original balance was not being reflected on what Vance and Huffman claimed they were owed. The consumer reached out to resolve this issue only to be disrespected with abusive language and threats - with no validation received. My understanding is calls cant happen after a dispute is opened ( strike 1 ). They never validated the debt or reached out to the consumer via letter to validate after the consumer asked ( strike 2 ). They have unlawful business practice and extortion techniques ( theyre impersonating a law firm to try and appear as legitimate ( strike 3 ).
02/23/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 328XX	Web
I received an alert from the credit bureau indicating that Vance and Hoffman LLC placed a collection on my report dated XX/XX/2022. The original creditor is XXXX XXXX XXXX. This company was sued in multiple states including the state of FL for illegal and fraudulent loan practices. The court ordered XXXX XXXX to notify all consumers who were affected and to remove negative information from their reports. Additionally, I filed a fraud claim with the credit bureaus a few years ago which resulted in a deletion from my report from XXXX XXXX XXXX. I notified the collection company and indicated that they have the wrong information. I did not receive any correspondence or calls from Vance and Hoffman LLC. I called and requested documents to be sent to me. Vance and Hoffman LLC violated the fair debt practices by not informing me in a timely manner. The representative indicated that XXXX XXXX XXXX removed the balances that were ordered by the court, but she is stating that owe the company money which is incorrect.
04/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web
Today I received a notification through My Fico that a new collections appeared on my credit report from the company " Vance & Huffman LLC '' in the amount of {$550.00}. I have never received a single written communication from this company. I XXXX the company and found the company. They were able to tell me the last 4 of my SSN and my name with a previous last name but they read off to me an address that is not mine. The receptionist refused to send me any debt validation stating that if she sent me anything in the mail it will only be a notice that their office holds an account and how much I allegedly owe. The original copy she told me the debt was for, I have no idea who they are and I have never done business with them. It is my right as a consumer to be provided with proof of any supposed debt that I owe and the burden of proof is on the collector. This debt does not belong to me and is damaging to my credit report. I demand for this to be removed from all 3 credit bureaus immediately!
03/11/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 96080	Web
I did a auto loan way back in XXXX and then defaulted in XXXX and I gave them the Truck in XXXX via voluntary repossession. They stated that I owed them {$12000.00} Since then they first sold the instrument to XXXX then XXXX sold the debt to another. I have done Verification of Claim in accordance with the FDCPA now the debt instrument is with XXXX XXXX XXXX and this company has a collections department that has been harassing me threatening to sue me when I have no contract with them. I warned them about the XXXX XXXX XXXX act and they still will not heed. They will not give me there name or address to where I can dispute the debt instrument and my imaginary contract with them but they keep calling to see if they can get a joinder. I had to back trace this debt all the way from XXXX XXXX to XXXX finally finding XXXX XXXX XXXX. I need some help they have very dangerous tactics and it is getting to worry me. This Debt Collection Company does not respect laws that I here to protect consumers
10/09/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web
There is a debt collection agency by the name of ( Vance And Huffman LLC ) that has been attempting to collect a debt from an original creditor ( XXXX XXXX XXXX ) that was tied into a legal settlement under ( XXXX XXXX XXXX ) involving a bankruptcy that was filed by the loan company as stated above. I have sent 2 letters to the debt collection agency named above informing them that they can no longer collect monies tied to the loan company for this debt due to an active bankruptcy and I also requested this debt agency to send validation of proof for any debt tied to this loan and the agency has failed to comply to the request and has allowed this debt to remain on my credit report which is a direct violation of the court case tied to this debt and also a violation under the laws regarding FDCPA. This agency has been very unprofessional and I am reaching out to the courts and attorneys to file a potential lawsuit against this agency for violating laws regarding the bankruptcy.
06/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
In XXXX, XXXX XXXX XXXX issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on XXXX and was able to get it removed. Then they sold the fraudulent loan to VANCE & HUFFMAN LLC in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29203	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. VANCE & HUFFMAN LLC : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
12/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77320	Web
It has come to my attention that Vance & Huffman recovered a payment for a debt that I never owed.Vance & Huffman reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If Vance & Huffman had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Vance & Huffman collected. Vance & Huffman had no legal right to attempt to collect a debt as I never authorizedan account with XXXX XXXX. Vance & Huffman never validated this debt nor sent me a notice of collection. I have learned that Vance & huffman is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported
09/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 207XX	Web
I took initiative to start working on my credit and noticed on or about XX/XX/XXXX that there was a debt collection from Vance and Huffman LLC on behalf of XXXX XXXX reflecting on my credit report. Unsure of the process and what was going on exactly, I began to dispute this with the credit bureaus. After attempting these disputes and talking with an XXXX representative where I explained the circumstances we were able to to determine that I am indeed a victim of identity theft. I did not authorize the purchase or opening of an account and believe that someone from my neighbor did so without my knowledge. I am currently working with the collection agency to resolve this issue.The account was opened in SC on or about XXXX per the agency and the address on file is the address for my grandparents home which is the family home and well known to the community. I have never used that address in my adult life and have been living in XXXX XXXX XXXX
02/15/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 388XX	Web
Vance and Huffman LLC originator : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX. I have not opened an account with XXXX. If there was one it was paid in full back in XXXX of which is not on my credit report for whatever reason. The statute of limitations on debt in my state is three years. These 2 entries on my credit report is null and void and illegal. I tried disputing through XXXX but after a few weeks they said the account is accurate. I have asked for proof to show my signature and or an application with my info and what product/service I supposedly applied for in XX/XX/XXXX. The 2 accounts showing delinquent were opened in XX/XX/XXXX?? Their Contact info Name VANCE & HUFFMAN LLC Address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90803	Web
Vance and Huffman is falsely reporting a collection item on my XXXX, XXXX and XXXX credit reports that I do not owe. I disputed the account and Vance & Huffman LLC falsely updated it as " valid ''. The account falsely claims owe XXXX XXXX XXXX and amount of {$310.00}, which I do not. Account number XXXX. I do not owe this amount, I have never taken out a loan with XXXX XXXX XXXX or Vance & Huffman. Nor have I ever done business with either. The erroneous collection must be removed from my XXXX and XXXX reports as Vance and Huffman has never contacted me and has not sent me anything substantiating this alleged debt. It is not mine and is negatively affecting my credit. I am an XXXX and this irresponsible and false reporting can adversely affect my employment. This company needs to do its due diligence to verify debt ownership before reporting ( and continuously updating with no investigation ) false information on consumer reports.
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76039	Web
I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to XXXX. I am not familiar with this debt, and I have never taken out a loan from XXXX. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. Upon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with XXXX. The reported amount and the alleged occurrence date are from the year XXXX. However, I have not received any documentation or notice from XXXX regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. I have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33470	Web
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.
02/23/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76087	Web
I received a letter from Vance and Huffman saying I owe a debt. I disputed the account in question and did not hear back from them. I found out today that there is a collection on my credit. Called them and a person answered stating they are with a law office and her name and how she may direct the call. Come to find out that they are not a law office but in fact a third-party debt collector. Spoke to XXXX XXXX and he gave me the login to look at the documents. In the document list is a Credit Disclosure that is not even for me. This concerns me because I have no relation to this person and makes me worried about what information of mine has been leaked to others from this company. I brought this to the attention of XXXX XXXX and he boastfully denied that this ever happens, and they do not make mistakes. I have the screen shots of it showing on the portal. They are not willing to remove the account from my XXXX credit report.
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38016	Web
This company XXXX XXXX reported this account on my XXXX credit report originally with XXXX XXXX XXXX back on XX/XX/XXXX. This account was disputed and removed from my credit report sometime between the original date reported and XXXX. On XX/XX/XXXX, this same account was added back to my credit report under Vance and Huffman LLC. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. Also the original amount listed was {$1200.00} and the new account show {$1200.00} on my credit report. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows Vance and Huffman them to place this information on my credit report. I've attached the response they sent me with paperwork that they've printed my name on but again no signature acknowledging i'm responsible for this account.
06/20/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 720XX	Web
In XXXX of 2018, after checking a copy my credit report I realized after several accounts were listed on my report that was established without my knowledge or consent it was apparent I had become a victim of identity theft. I then immediately contacted my local law enforcement to file a police report as well as three major consumer reporting agencies. One of the accounts in question was XXXX XXXX which since has been blocked and deleted from my credit file. I recently have received two letters from a company named Vance & Huffman XXXX XXXX XXXX whom I have already informed that this account was the result of identity theft. Vance & Huffman continues to send me letters demanding payment for an account that was established without my consent or knowledge. In addition, Vance & Huffman is in violation of the Fair Debt Collection Practice Act by continuing to collect on an account that never belonged to me.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72204	Web
Vance & Huffman Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX. Vance & Huffman has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.
04/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30144	Web
VANCE AND HUFFMAN LLC PURCHASED A XXXX DEBT FROM XXXX XXXX XXXX. WHEN I CALLED TO FIND OUT WHAT AND WHO THIS COMPANY IS/WAS. I WAS ADVISE I NEED TO PAY A {$1.00} TO GET INFORMATION ON THIS DEBT. I HUNGED UP ON THE REP AND CALLED BACK. THE 2ND REP HAD INCORRECT NAME AND WRONG ADDRESS. WAS UNABLE TO IDENTIFY ME OR ANY OF MY INFORMATION. THEN STARTED TO ASK FOR MY CORRECT INFORMATION WHICH I DECLINE TO PROVIDE MY INFORMATION SO THAT SHE CAN UPDATE AND LINK ME TO AN INACCURATE ACCOUNT. AS OF TODAY, THEY HAVE FAILED TO REMOVE THE INACCURATE ACCOUNT. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND HAVE FASLSY REPORT INACCURATE ACCOUNT INFORMATION. THIS IS A STATE i HAVE NEVER EVER RESIDE OR ASSOCIATED WITH EVER. I WAS ADVISED THAT THEY SKIP TRACED TO GET MY EMAIL ADDRESS FOR AN EMAIL THATS NOT USED.THE REP KEPT FORCING ME TO GIVE HER MY INFORMATION AS SHE CLEARLY STATED THEY HAVE THE WRONG PERSON
06/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48221	Web
I sent them a letter asking to send me verification that this is my debt i have a common name i have mail coming to my home from a person same name as me. There debt was merging to my file. I have sent 2 letter to this company asking them to send documents stating who there are they keep sending me the same computer generated documents they are fake and fraudulent. I need this removed off my Credit report this is hurting me from getting credit in this pandemic to feed my family. This company is taking advantage of people during these hard times. There saying i owe. XXXX dollars for a cell phone bill float from almost 7 years ago. I never had a phone through that company I have been on my mother phone plan XXXX. Since 2001. The documents they sent me are payments being taking out of a account thats not mines. the docs are fraud who charges a credit card everyday for a payment thats not real.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MI 492XX	Web
Vance and Huffman showed up on my credit XX/XX/2022 for two separate accounts. XXXXXXXX XXXX and one for XXXX XXXX Says its like a finance company. When I tried to call and find out what it was the number was a credit repair company. I never did get to the bottom of it. Before I knew it the guy tried to set payment to automatically be paid and I had only talked to him for 5 minutes. Promised to have things removed. Maybe they are the ones who added the company to my credit report somehow? Someone also started XXXX XXXX XXXXXXXX XXXX and never made one payment also they got a phone from XXXX XXXX XXXX no payment ever made. I have disputed them several times on XXXX XXXX and they say information is correct. How can I prove its not the information Im disputing. Im disputing that it was not the correct person!!! How come it was so easy for them to get things with my information and I cant smh
08/26/2016	No	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	LA 70068	Web
I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against Vance and Huffman and XXXX XXXX XXXX. Once bureaus investigation was completed it came back the information disputed with Vance & Huffman was verified, no change and XXXX XXXX XXXX as new information. In receipt of this information I sent Vance and Huffman a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Vance and Huffman than replied with a letter saying they received my dispute for verification and to be advised that Vance and Huffman confirmed the name and address listed on the account as well as the amount due. XXXX XXXX XXXX has not responded to my request.
07/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77034	Web
I have/Had no knowledge of this account/Loan for {$4200.00} XXXX periodically check my credit and this how I found that this was on my credit went to collection at Vance & Huffman before my past credit history of loans and credit cards I have paid and/or paid off I had a excellent payment history I have even obtained a loan from XXXX XXXX XXXX and with in 3 months XXXX had XXXX account paid in full and XXXX also found that XXXX I have account with was breached and I received a Letter from XXXX XXXX and they had a data breach and then in a month of XXXX breach in XXXX this year and XXXX this someone my Identity and this collection appeared on my credit history and I am so frustrated upset that something like this could ever happen when you put your trust in Credit company as XXXX and others and feel this thief of my identity violation of one self and should be removed
05/15/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98036	Web
I was contacted today by a woman claiming to be an attorney fro m Vance and Huffman Law Firm. She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for g iving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened XXXX XXXX 2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.
11/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85044	Web
VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then VAnce and Huffman has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
01/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33404	Web
I wrote XXXX on XX/XX/XXXX in reference to debt appearing on my credit report from a company called XXXX XXXX. I called acceptance rentals who informed me that that sold my information to a 3rd party Vance & Huffman LLC. I then wrote Vance & Huffman LLC who sent me what appears to be signed contracted. This was a digital copy of a contract with my name typed on the line. Next this company shows that that debt was obtain in XXXX and was paid from a XXXX XXXX account and the account number ends in XXXX. I have been with XXXX XXXX since XXXX I have no account ending in XXXX Also, that have an unclear copy of an id attached to this contract. I have never obtained anything from this company. I demand to see VERIFIABLE proof please. I want to see a clear photo of id that was used to obtain the debt and a second from of information linking me to this debt.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web
Prior to my previous complaint XXXX submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing your companies correspondence as of XX/XX/2021, Im aware that one of the collection accounts [ XXXX ] is still appearing on my credit reports and yet still your companies agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ). So therefore the collection account information doesnt meet the Fair Credit Reporting Act requirements and you failed to comply with my debt validation request. For more further review, Ive attached additional information. Please read carefully and pay close attention this time.
10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 297XX	Web
I 've reached out to this company several of times in regards to inaccurate information being reported to my credit report. XXXX XXXX XXXX XXXX are reporting an item that I am not familiar with. I 've filed several disputes about this matter and explained to them that I have no idea about this item and that it is n't mine, they only update the information on my credit report and it is hurting my score. I am in the home buying process and I ca n't move forward with this item falsely reporting. I 've asked them send something in writing to prove that this debt is mine and they 've failed to do so. I am at the point now of speaking with my attorney about filing a lawsuit for reporting inaccurate information and not providing proof. I want this item removed and updated within the next 30 days otherwise I will pursue legally against them.
01/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78045	Web
I have mailed letters to Vance & Huffman LLC ( on XX/XX/20 ) as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my physical signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a {$370.00} balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act. They have been sued in federal court for violating consumer 's rights while collecting on alleged debts. Among the numerous alleged violations, Vance & Huffman
05/15/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	UT 84403	Web
This debt collection agency suddenly appeared on my credit report XX/XX/XXXX. At first I didn't recognize this debt because of the absurd amount that it reported owe. The debt collection agency is XXXX XXXX XXXX XXXX. The amount they are reporting is {$7800.00}. I disputed this XXXX times. I have never received anything in the mail, or call regarding the debt. It took my a while to figure out what debt they were referring to. When I found the initial loan document, the amount financed was {$1500.00}. I am not sure how they came up with the amount of {$7800.00}. I disputed both with XXXX and XXXX, but XXXX XXXX XXXX is confirming that they have the correct information. I disputed on XX/XX/XXXX and XX/XX/XXXX. They have yet to justify the amount hey are claiming I owe, even though I have sent them a copy of my initial loan document.
06/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90025	Web	Servicemember
The collection company called me that asked me for debt collector, I told them I am not owe to any bank or company. This is the identity theft and they told me the only is XXXX if you pay XXXX, they told me if you pay XXXX we're not gon na call you anymore and we're going to close the case and you don't need to report to the police department. I told him XXXX is nothing for me and promise me don't call me again and don't send it to Credit bureau. XXXX I just record the voice and they promised me they are not going do that, end of the communication with the collection agency. I told him I had XXXX XXXX XXXX and I lost my memories. I don't know any idea about this, But this week I just saw the reporter today, XXXX XXXX, credit bureau, and the damage. My Credit story, then I called him. I told him to see dad was the identity theft
02/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 083XX	Web	Servicemember
In XXXX someone stole my credentials and used it to make a purchase. There was no proof it was mines and it became identity theft and it was charged off. Now a debt buyer is trying to collect {$2000.00} on a {$1500.00} lease according to the email letter that I received from the debt collector. The email didnt have the creditors letterhead but an email from another source. It also said purchased in XX/XX/XXXX, thats seven years ago, but the debt collector said I purchased in XX/XX/XXXX which states on my credit report. Not only the statute of limitations has ran out the debt collector lied and said I purchase it in XXXX without a contract stating I promised to pay that amount in XX/XX/XXXX. Its now XX/XX/XXXX, This is a fraudulent statement from the debt buyer and the credit bureau accepted it without proof of purchase.
01/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77084	Web	Servicemember
I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. XXXX has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. XXXX XXXX XXXX
10/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have been disputing this account for some time now with VANCE AND HUFFMAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
09/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77459	Web
I have been disputing this account for some time now with VANCE AND HUFFMAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
02/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75149	Web
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Vance and Huffman LLC on XX/XX/2022 and I have no recollection of doing any business with Vance and Huffman LLC. I am in the process of contacting Vance and Huffman LLC but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
07/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77045	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Vance and Huffman would verify the debt. So I took it upon myself to ask Vance and Huffman for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
04/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94509	Web
Hello, I have an account on my credit from a company called XXXX XXXX XXXX XXXX. I sent them a dispute because I had never heard from them, nor had I ever heard from the original creditor about the alleged said debt. According to them they are collecting on behalf of XXXX XXXX?? There is currently and has never been an account on my credit from XXXX XXXX. I have never even heard of them before. However, I received an alert about my credit that XXXX XXXX XXXX XXXX placed account number XXXX on my credit in this regard. I immediately, contacted them by way of a certified letter which they received. They have failed to respond to me, it's has been over 45 days. The account remains on my credit and they changed the status to report as closed. The account doesn't not belong to me and it need to be removed.
03/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account - XXXX XXXXXXXX XXXX Amount : {$3100.00} This account is a validation made pursuant to the Fair Debt Collection Practices Act. This is a violation against the fair credit reporting act by the agent reporting fraudulent information. I have requested that the following information be sent to me in writing but no proof received .Agreement with your client that grants you the authority to collect on this alleged debt .Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Verification that this debt was assigned or sold to collector. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94403	Web
1. This is the company involved- Vance and Huffman LLC ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 2. XXXX XXXX XXXX ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 1666B - a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
04/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11692	Web	Servicemember
Opened XX/XX/2020 Vance and Huffman LLC requesting debt of XXXX dollars to be paid. The debt does not belong to me, no written notice within 30 days no verification provided of debt, and was added to my personal credit report I am requesting removal of debt from personal credit report as I am not liable for XXXX XXXX XXXX debt. Vance and Huffman LLC have not provided me with any information Within five days of obtaining my information contacted me with written notice of the debt, the amount of the debt the name of the original creditor to whom the debt is owed or a statement describing my right to dispute the debt only added a collection to credit report. Utilized false statements of contractual obligations ruining my credit rating without legal authority to do so and intend to do so.
10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 708XX	Web
I have asked this company several times to show proof of the amount they claim I owe. All they keep sending is a Sales Order and a Consumer Lease Agreement. They will not provide an itemized statement showing payments made, etc. to show how they came to the outrageous amount they are claiming that I owe. This account should not have the {$2000.00} plus balance they are claiming that I owe. I have asked for proof of payments from them and the original creditor. Neither have provided the information and the collections remains on my credit report and is negatively impacting my attempt to purchase a home. I want this account removed from my credit reports and I want a detailed itemization of this account. This account should be paid or close to paid. I do not owe the amount they allege.
06/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70360	Web
I have been continuously called by Office Vance Huffman, XXXX XXXX XXXX, XXXX VA XXXX asking for my son XXXX. They have called my cell phone multiple times and have now threatened to report me for " illegal activity '' as I am erroneously representing to be XXXX. XXXX is XXXX and still a dependent. I have his permission to act in his name. They are calling about a bad debt for a " XXXX in XXXX New Mexico. '' First this was never rented there. Secondly none of my family has ever been to that city. Third the last XXXX digits of the social security number they provided are wrong for my son. Fourth, I am not sure how they even got my cell phone number. I have advised them on more XXXX phone calls to stop calling but they persist in their harassment. What can I do to stop this nonsense?
12/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45150	Web
Vance and Huffman reported to the credit bureaus that a debt is mine. This debt is not mine and was either a result of identity theft or fradulance if they have my information. I never once signed anything with my physical signature authorizing the debt in my name and I asked to have it removed immediately. I have recieved no response and it remains in my reports. This has caused financial stress and burden upon myself and family. The debt was from XXXX XXXX for over XXXX dollars and I have zero idea what this company is. I pay all of my bills on time. They never sent anything in the mail as I requested with my physical signature nor responded at all. They never sent anything to me ever actually. And now I have this collection that isn't mine on my credit report not being removed.
12/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28226	Web	Older American, Servicemember
was called from a collection agency in Mississippi about a furniture purchase from XXXX told them iknew nothing about this they had absolutely no information about it tried to work with them and gave them all my inf o next thing I was reported to credit beauro I disputed this and was removed approx. 1-2 mons later was transferred to XXXX XXXX andthey reported me and it started all over again tried to dispute again and nothing happened 0n initial phone callthey didn't have any info other than a name no address no social said no initial payment no phone they didn't even know where so called bedroom suit was deliveredtold them we recently XXXX mattress and boxspring and don't put in on a XXXX XXXX XXXX XXXXXXXX isee all kinds of complaints about this outfit something needs to be done
06/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78108	Web	Servicemember
I have continuously contacted XXXX as well as Vance & Huffman about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to Vance & Huffman in XXXX of XXXX. I have contacted Vance. & Huffman as well as XXXX to advise them of incorrect credit reporting since Vance & Huffman is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
07/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
Recently checked my credit report and noticed 3 debt items from Vance Huffman for XXXX XXXX totaling over {$9000.00}. Despite my address being accurately reported by all three credit reporting agencies, this company never sent me notification of the debt nor did they ever provide me with written notification of my right to dispute the debt and/or request validation and verification. Furthermore, this debt was previously held by XXXX XXXX XXXX which I disputed and the original creditor agreed that this was not my debt and removed it from all credit reports. This is the second time this debt has appeared on my credit reports under different names. Again, this is not my debt and the collection agency never informed me of the same nor allowed me my legal opportunity to dispute it.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 334XX	Web	Servicemember
I disputed this account, as it is a CORPORATE account that EXCEEDS the statute of limitations. However, Vance & Hoffman refused to take it off my credit report when I dispiuted it with XXXX. I have attched a copy of the contract that is in the name of a dissolved corporation. The date that is signed on the contarct is from 2016 which exceeds the statute of limitations. Note that the contract states 13 payments and then 21 months, both exceed the time frame.It is past unreasonable to assume that collection of this account would start after the contract expired! I am following up with the state attorney office, as this should clearly be removed from my credit report. Thi s will be my 3rd attempt to demand Vance and Hoffman remove the item, as it is illgal for it to be there!
11/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80134	Web
Vance & Huffman , LLC ( XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called XXXX , XXXX. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from Vance & Huffman. V & H has reported to the credit agencies, and now I have to fix this. Vance & Huffman claim that they sent over the " loan documents '' via email. These documents were never recieved. Vance & Huffman claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by XXXX , XXXX.
08/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20748	Web
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX I submitted a CFPB complaint against this company in regards to inaccurate information on my credit report and the actual right for them to collect on this debt. They failed to properly validate the alleged debt and continue to report unverified inaccurate information on my consumer report. I have been unable to obtain a mortgage, auto loan and job due to this inaccurate and unverifiable information. I have seen XXXX XXXX in regards to XXXX and XXXX in relation to this issue and have been diagnosed with XXXX XXXX and XXXX by trained and certified XXXX XXXX and can produce documentation that proves such. I
08/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33137	Web
I reviewed my consumers report and noticed there was an inaccurate account on my credit report from XXXX XXXX XXXX. account name : XXXX XXXX account # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I contacted XXXX XXXX XXXX and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of the fair credit reporting act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof
09/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10701	Web
Hi, there. My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, Vance and Huffman LLC and a company called XXXX XXXX. Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. A collection was opened and I successfully disputed with XXXX and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, XXXX, and they have ignored all my emails.
04/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91367	Web
Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
07/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19144	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77530	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NH 030XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78210	Web
This collection account shows an incorrect open date. I did NOT open this account 6 months ago on XX/XX/XXXX, XXXX Who shops for a mattress on XXXX XXXX??? For one, the store was likely not open and secondly this account was opened in XXXX when my address was XXXX XXXX XXXX, XXXX NY. The transaction was a mattress set purchased from XXXX XXXX on XXXX XXXX in XXXX, NY. All original paperwork would show the actual date. I have NOT spoken to anyone from this firm about this debt, therefore not starting the clock over. I have submitted several disputes to XXXX regarding this matter however it appears they have not done their own due diligence regarding this issue as if they had they would have found my claim to be accurate and true.
08/18/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 385XX	Web
Received a call from collections XXXX XXXX XXXX and man stated that he was an investor trying to track me and will find me no matter what it takes to sue me. I told him I called XXXX to make the full payment and they didn’t allow it because it was in another state. He kept trying to threaten me that he will find me and get their dining table. This was back in XX/XX/XXXX. I disputed an account of collection name VanceHuffman back in XX/XX/XXXX and deleted on my credit. It comes back on my credit with another collection name “ Vance and Huffman” believe open XX/XX/XXXX and increased amount XX/XX/XXXX to make it seem i just got this. This account is from XX/XX/XXXX why are they charging it to XX/XX/XXXX? Please help and thank you.
10/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30013	Web
A letter dated XX/XX/XXXX was received from XXXX that I was released from a debt where my name was forged. I had submitted their Forgery Questionnaire on XX/XX/XXXX. Since then two companies have contacted me. XXXX XXXX XXXX XXXX via Ms. XXXX XXXX contacted me XX/XX/XXXX. I promptly sent the letter that I had received from XXXX and she said that the letter clearly states that I was released from this debt. Most recently, I was contacted by XXXX XXXX from Vance and Huffman inquiring about this same debt from XXXX. As of today ( XX/XX/XXXX ), I forwarded the email that I sent to XXXX XXXX XXXX XXXX that includes the documentation that I was released from this debt. I feel harassed and I want these phone calls to stop.
01/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29461	Web
Company by the name of XXXX XXXX XXXX started withdrawing money from my account in 2016, I contacted my bank and advise them it was unauthorized and the charges were reverse. However a few days later the same company made another unauthorized withdrawal using the same name but adding symbols, so the charges could go through because the name they first used was flagged by the bank. I reached out several time but was unsuccessful on all attempts. After several attempts of them trying to withdraw from my account they disappeared and I heard nothing more for over 7yrs. XXXX XXXX XXXX an collection agency by the name of Vance & Huffman , LLC reported a {$2800.00} to collection on my credit profile for that same company.
10/01/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63303	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
12/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44313	Web
I have contacted this collection agency several times, requesting the exact store, or whom ever that stated that I had this outstanding balance, trying to find out exactly where this fraudulent account was opened. I have requested a final bill and address to which this account was open from the collection. Agency itself stated that they did not know the exact company that this account was open through that the only thing that they can see that the account was opened back in XXXX and XXXX they initially told me that it was for a unpaid auto loan. I never had an unpaid auto loan in my life. They told me that they were going to send me out of packet. I never received it no information about this account at all.
03/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
There's an account on my credit report that I've had enough of trying to dispute on my own with no results. Apparently there's a collection agency Vaunce and Huffman LLC, that is reporting on my credit report but has never sent me a single document to notify me of the debt or to respond back to me when I tried to reach out to them myself. I sent them various letters of the past few months which I will include as proof. I was nothing short of nice, respectful and well within my rights to request that they prove to me that they own the debt that are reporting to the credit bureaus and in return, ruining my credit score. I reached out to them on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
12/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53593	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
07/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28504	Web
I was contacted by Vance & Huffman abou t a year ago about I debt I owed to a company name XXXX XXXX XXXX to Own. I told the representative on the line that the debt was n't mine because I have never lease anything from this company. I asked the representative when did the debt occur, what date, what was the product, and what address was the product delivered to. He had no answers. After calling a few more time the call from the collection agency ceased. On XXXX XXXX , 2017, Vance & Huffman attached this collection to my credit report despite me denying I owe this debt. I have received absolutely no communication via mail. Not even an account number so I can request a letter of validation.
12/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
My name is XXXX XXXX XXXX. I received a dark web alert from my XXXX credit report. The alert is a collection company Vance & Huffman , LLC stating that I opened a loan this year in XX/XX/2023 for {$2600.00}. The collection company stated the original creditor is XXXX XXXX. I did not open a loan with this company nor two or three years ago. The collection company is lying and committing fraud. This is the second time this collection company reported fraudulent information stating I opened an account. Could you please investigate this information? My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My previous address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Ca XXXX. Thank you.
01/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31904	Web
I have never heard of this company and I have never applied for any financial assistance from them. I have filed a complaint with XXXX and XXXX. They did not report it to XXXX. I have been online researching this company and I read where they have tried to scam others out of money. Is there anything legally that can be done? Account info Account name VANCE & HUFFMAN LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$3700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2022
07/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman.
05/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33313	Web
on XX/XX/XXXXi sent Vance and Huffman LLC a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these bastards are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Vance and Huffman LLC the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks
02/26/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 75010	Web
In XXXX of 2021, I recvd an alert that a derogatory account was put on my credit. After checking the info I notice that I hadn't ever recvd any info from this company Vance and Huffman LLC asking for any debt verification from myself to even advise if debt is mine or not. They have added info on my credit report claiming to be a collection agency with a balance of XXXX, without sending me a notice of a debt and that is a violation. Further more per checking the Secretary of State website this company doesn't show that it is even bonded to collect in the state of Texas. I would like the information removed from my credit reports immediately. This company is in complete violation of my rights.
05/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77026	Web
Vance and Huffman LLC never sent me a debt validation letter, nor have they provided proof of sending any notice of debt to me. Vance and Huffman , LLC continue to report a derogatory collection account to my consumer credit file. Since Vance & Huffman is continuing to report, I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that this is in violation of the FCRA and the FDCPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
12/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	FL 33063	Web
XX/XX/2021 I mailed a certified dispute letter to VANCE AND HUFFMAN LLC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over 100 complaints with the CFPB. VANCE AND HUFFMAN LLC has failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
02/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AR 72450	Web
The company of Vance and Huffman have bought a debt that is well passed to time able to sue. They reported it to my credit with an incorrect date and made it look like it was a new collection not one from XXXX. Also the company to which this debt belonged to is no longer in business, Dissolved in XXXX but no activity since XXXX. The company reported to my file that the collection was opened in XXXX but wasn't reported until XX/XX/XXXX. This company has also called my wife 's cell phone which was not on the loan along with my mother 's cell phone and my brother 's cell phone. In all these call they threatened to sue. It is my understanding that they can threatened something they can not do.
01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94589	Web
This company XXXX, I have never heard of this company before let alone know what they do, they say I opened an account with them 7/8 years ago in which I did not, asked for proof they told me they sent nothing ever received in the mail or email pertaining to this. Worked with XXXX to get this removed off of credit because it meet the statue of the 7 year limit because it has hurting my credit in the collections portion, Ive tried for years to get this removed got it and now its back on my credit as if I opened another account and didnt pay this fraud and identity thief I believe my information was sold on the web. Im going to be buying a home soon and this hurts my credit.
07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19142	Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92105	Web
I am pretty sure if i received any mail from Vance and Huffman. I would have acknowledged it by now. But I havent nor have I heard of them. I am giving them the opportunity to reach out to me. But they seem to be repeating the same thing multiple times, but has yet to provide me with a telephone number. To their office nor have they issued me out documents that I supposedly signed. My only problem here is the company is standing firm with everything they have stated so far. So why not provide me with a number to speak to me directly. I need details to when the account was actually opened. They keep insinuating that I have a XXXX XXXX account so provide me with details
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 38018	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 673XX	Web
I saw a Collection on my credit report from Vance and Huffman , LLC. Original bill come from XXXX XXXX XXXX. Bill is {$740.00}. I do not recognize the bill. I have detested it on my credit report. I do remember though several years ago I bought a ring at XXXX. I believe XXXX was the name of a leasing company buying the ring. I returned the ring right after I bought it. XXXX kept calling me constantly to pay them. I told them the ring was returned. This was several years ago. Probably about 7 years ago and just now on my credit report. Since I did not use their services and returned the ring and it have been so long ago I need this collection off of my credit report.
05/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20601	Web
Vance & Huffman is attempting to collect a debt on behalf of XXXX XXXX XXXX in the amount of XXXX dollars that i do not owe this is the 2nd debt collection agency that has attempted to collect on their behalf the first attempt was removed because i do not owe the alleged amount. I requested Verification of the alleged debt and they provided me a check that i do recognize, however i never physically cashed the check it stated for XXXX mobile deposit only which was scratched off the back of the check under the signature line. I have never cashed a check at XXXX XXXX XXXX EVER and no payment will be made on my behalf i am also welling to take legal action if need be.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 492XX	Web
First of all that whole thing is a joke that paperwork makes no sense nothing adds up scam written all over it the next payment date is XXXX I wasnt even born yet and the date that the account was opened it has 2 different dates one XX/XX/XXXX and the other is XX/XX/XXXX and the amount is XXXX or XXXX or is it I cant keep up. Also this store I tried to locate doesnt exist. Its am on line store even my signature was an electronic signature for all those tools I purchased! Ive never purchased tools let alone lease them. I have attached the documents that show that Ive tried to dispute them this. I did it through kredit karma and maybe thats wrong but I did try
01/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
Upon retrieving my credit report XXXX XXXX. I noticed the fraudulent account. Immediately I reached out to the company as well as the Credit bureaus to get to the bottom of this matter. Upon investigating I realized I became a victim of identity theft. Some crook obtained my information and acquired goods fraudulently in my name in another state/city that I've never lived nor visited. The collection agency was extremely distasteful and unapproachable in the matter and Absurdly demanded immediate payment. I did not acquire this account it was obtained under false and fraudulent intent. I notified the FTC as well as my local police department of this incident.
04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
VANCE AND HUFFMAN LLC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA XXXXX	Web
I sent an identity theft affidavit to XXXX, XXXX, AND XXXX and they have failed me as a federal consumer. According to 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; PLEASE REMOVE ALL ACCOUNTS LISTED ON LETTERS
02/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 346XX	Web	Servicemember
I had something show up on my credit report that I never signed up for or was associated with. I contacted the company only to be told that if I wanted it to be removed and reported as fraud then I had to file it with the government or credit bureau. I contacted XXXX and was told to file it with ftc.gov. The account with this company was listed on an address that isnt my address. I have been at my current address for 7 years. I was told that I signed for a product but was adamant and confident that I didnt. I was provided no proof that it was me. I would like it removed off of my credit due to the fact that I never signed up for anything with this company.
05/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92592	Web
When monitoring my credit I noticed that a new collections was put on to my credit report. The Collection Agencies name is Vance and Huffman LLC in the amount of {$4600.00}. The original creditor was XXXX XXXX XXXX. This debt was found not to be mine and a result of fraudulent action. This debt was owned by a different collection agency and was removed from my credit report because it was not mine and now this new collection agency has wrongfully put it on my credit report. This is not my debt and needs to be removed from all three of my credit reports ASAP. This collection agency is in the wrong and needs to remove this collections from my credit report.
05/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
When I pulled up my credit report I noticed I have a collection account from XXXX XXXX in the amount of XXXX. I have never received a loan from this company or signed any kind of contract. I have tried to log into the website and it states there is no account under my name. I have inquired to experian and the rep states the acct was opened XX/XX/22 and now in XX/XX/22 it was already sold to an Attorney ( Vance and Huffman ) for collections. I have no inquires from this company on my credit report. My credit isn't good enough to get a loan in that amount without collateral. I own nothing. I would like them to send me a copy of signed contract and amount.
04/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94608	Web
I received an alert that my credit scores dropped. When I viewed my credit, I discovered an account from Vance & Huffman LLC. I have lived at my current address for more than 10 years and i have never received a collection notice or a phone call from this company. They have placed an unknown debt on my credit and i am in the middle of financing. I have also sent them a letter via registered mail over 60 days ago and I have not heard back from them. I am requesting the unverifiable/unknown entry be deleted from my credit report. I also have a police report on file with the bureaus for false impersonation- but I thought all of that has been cleared up.
03/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30339	Web
The name of the company is Vancehuffman. The account was opened XX/XX/2020. The balance they are requesting is {$3000.00}. I have contacted this company by mail and phone complaining that this account isn't mine and to remove it from all my credit profiles immediately. The representatives are extremely rude and they will not send me substantial verification of this account. I have been harassed by countless phone calls from bots also. The last time I contacted them via phone, a manager told me " If I want this to go away I would need to pay and stop complaining ''. Very unprofessional! I have a right to dispute this debt and I will continue to do so.
05/07/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90260	Web
I noticed several things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 115XX	Web
After noticing an erroneous debt appearing on my XXXX credit report in XXXX I called the name of the firm on the report Vance & Huffman, L.L.C. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with XXXX and the derogatory reporting still remains. Apparently XXXX made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.
05/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93704	Web
On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by Vance & Huffman ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. Vance and Huffman , LLC contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or XXXX XXXX bank at any time. I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.
09/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78247	Web
I have a closed complaint : XXXXXXXX XXXX XXXX XXXX sold XXXX debt '' to Vance & Haufman LLC . I did not give persmission for this to occur. I am the consumer, orginal creditor and debtor. I have also access them to cease communicating with me, and they continue to do so via phone, mail, and via my credit report. I did not give permission for them to post anything to my credit report. XXXX nor Vance and Huffman LLC have a XXXX on file, which equals to identity theft. They are in violation of my consumer rights and the law, in addition to it being over 180 days trying to collect this " debt : '' 15 USC 1602, 15 USC 1681n, and 15 USC 15 1602 ( i ).
07/04/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60108	Web
XXXX XXXX is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.
09/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember
I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.
02/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75050	Web	Servicemember
I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.
04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
VANCE AND HUFFMAN LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
03/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
During routine review of credit report found account from Vance and Huffman. Contacted company verbally and requested debt validation. I was told to submit a dispute in writing for debt to be resolved. Company did not provide debt validation. Followed with XXXX certified letters which company signed for. Both certified letters requested debt validation as required under Fair Debt Collection Practices Act. Have followed with multiple phone calls as debt validation was not provided. Company did not send dunning letter as required informing me of right to dispute prior to placing debt on credit report. Rights under the FDCPA have been violated.
02/01/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
Without any prior notification from Vance and Huffman, i was notified by my credit monitoring company that a collections was placed on my credit report. I have received noting in writing about this debt and have no knowledge of it. I am a service connected XXXX veteran on a Veterans pension and was in the process of buying an RV to live in until my credit score dropped 40 points after Vance and Huffman put this collections on my credit report and the lender backed out of the loan. I can not describe how angry and appalled I am at this I know nothing about this loan and demand that this be removed from all three credit reporting agencies
08/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22030	Web	Servicemember
In 2018, an appliance was lease from XXXX. When the appliance was shipped it was defected ( there was a large dent and groove on the freezer door/ it was caved in ) and a report was made. XXXX offered to have the appliance picked up and replaced. A pickup delivery date was set. XXXX never replaced the appliance and a call was made to the company several times. I learned that XXXX filed bankruptcy and went out of business. In the meantime, my debit card was still being charged and payments were still being made. XXXX went out of business and never replaced the defected item. A new and functioning appliance was made from another company.
06/28/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75075	Web
The company has been contacting me for a year trying to get me to pay from a dispatch office which first contact was XXXX XXXX. The debt I owed is now in collections and they are trying to collect more then the amount owed. My debt is {$200.00} and the collector is asking me to pay {$1100.00}. They call me at all times of day and call my references and job I don't even work at. They are stating I will be sued and incarcerated if I do not pay them. I tried to settle it once but the payments were going to some off label company not the debt collector company. I don't have all the calls because of my call log history but I can provide it.
01/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45150	Web
Vance and Huffman stated on my previous complaint to consumer finance.gov that they will be closing account and removing account from my credit reports. Instead they sent to XXXX and other bureaus that the collection account is correct. They lied and did not do as they stated and furthermore this is not my collection!!! I have zero knowledge of this account. I pay all of my bills on time and now am losing out on getting a home!!! They are completely messing with my quality of life. They absolutely need to deletXXXX this collection off of my credit AS THEY STATED THEY WOULD pubically on the consumer finance.gov website under complaints.
11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
Vance and Huffman Llc continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77304	Web
Vance & Huffman is not correcting errors on my credit report. There are so many inaccuracies that I have been disputing and they do not removed them. Isn't this a violation of the FCRA? I have a letter from them stating they are aware of the disputes. Also, I need validation of debt, a signed copy of a contract stating I owe them the alleged debt pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA. It seems this company is already is violation and account should be deleted. All documents they've sent and copies of dispute letters and complaints are getting sent to my attorney. Thank you in advance for looking into this matter.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19141	Web
On XX/XX/2019 VANCEHUFFMAN added a derogatory mark on my credit report per XXXX and XXXX but not XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX XXXX XXXX XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, they both has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
09/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19038	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly. Otherwise, remove it from my personal credit file. Thank you.
07/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web
The company placed a collection on my credit report. I have disputed this debt several times through the credit bureau as not mine and asking for validation. In response, the company submitted a standard note agreement that could have been completed by anyone. The note agreement was missing the following : - Signature page with a wet signature - Copy of the ID of the person signing the note agreement - Original creditor contact information I believe this to be a violation of Regulation F, FDCPA, and FCRA guidelines as they have provided no information to confirm I owe this debt or that I originated this debt conclusively.
09/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 65202	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
02/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43214	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92335	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
08/28/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20774	Web
My vehicle was broken into and my purse was stolen with all of my identification in it. I was not aware of my identity being stolen until early this year when a creditor informed me that my information was used with the wrong social security number. I was homeless over 4 years and my identity was being used by someone I don't know. I wrote and spoke with several people at the credit agencies but nothing is being done about it. I really need this removed from my credit report. Information that is destroying me from having major XXXX and going back to school. Please assist me in correcting fraud on my credit report.
04/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30044	Web
Upon review of all 3 of my credit reports, I found an account listed under Vance & Huffman LLC. I have no business dealings with this company, no contract and no signed agreement showing I have purchased anything. I have initially reported this to XXXX who has now completed their investigation with the findings of this account being a result of identity theft, this account has now been removed from my XXXX file. I am now showing this account listed on my XXXX credit report listed under amount of {$5200.00}. Please review the results from XXXX and take action to remove this inaccurate account from my XXXX file.
02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 325XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX Amount {$2000.00} I have near heard of this company before. I have not seen this on my credit report until lately. I have no idea what this company does or is. I have contacted them, and they told me they sent emails to me and tried to call me. I have not received any emails or phone calls from this company. I do believe my identity may have been accessed during this time. I have exactly four charges during this time, that I am unaware of. I did not create this account.
04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 79925	Web	Servicemember
This debt has been disputed and removed from my credit report and they keep re-inserting it which then plummets my credit. This is not my dad I have stated this it has been proven to be not mine Im a victim of identity theft going back many many many years and this company refuses to follow the law and keep this information off of my credit report. This information was removed from my credit report and one week later they re-inserted it. My bank account was compromised previously and weve even had to have a to do bank accounts issued because of the identity XXXX this company continues to perpetuate it.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
04/28/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web
Vance & Huffman LLC is reporting a debt from a payday loan company XXXX XXXX that does not belong to me. The collection account was reported XXXX 2021 to XXXX, XXXX, and XXXX. I have called and disputed the incorrect reporting multiple times since then but Vance & Huffman continues to re-report it. I have never obtained a pay day loan and this company refuses to send me any origination papers to substantiate the debt. Their refusal to remove this incorrect and/or fraudulent account reporting to XXXX, XXXX, and XXXX appears XXXX be fraud and illegal business practices rather than any mistake.
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web
Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing the information, Im aware that the agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached an identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) as my supporting documentation
06/05/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 206XX	Web
There are three debt collection company that I am paying and paid in full. 1. I contacted Vance and Hoffman with 30 day to setup payment before 30 days notice. Please remove from my credit reports. Debt collection - paid in full from XXXX XXXX I contacted to make payment arrangements before going to debt collection. I should have not been reported to the bureau 's. This should not be a charge off. XXXX XXXX : I paid over the amount requested to XXXX XXXX and debt collection. This is not a charge off. Please remove from credit report because of inaccurate information being reported.
07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08053	Web
The company Vance and Huffman LLC has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the XXXX XXXX which when I looked it up is located in Texas and I live in XXXX XXXX. Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.
06/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07036	Web
I've sent a letter for validation back on XX/XX/XXXX. I was not sent all of the items to confirm validation. I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
05/12/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 44134	Web	Older American
This was a pay day loan taken out. At the time I has lost my job and my checking account was closed, therefore no payments were taken out. I did not receive any follow up from the company and was not aware of the status until it recently appeared on my credit report. ANCE AND HUFFMAN LLC Last reported XXXX XXXX, XXXX {$2700.00} Open balance XXXXXXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX
08/09/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	OH 45103	Web
Both of the following accounts were opened fraudulently and I had no knowledge of them until they appeared on my XXXX credit report. The first was originally opened apparently XX/XX/XXXX at XXXX XXXX for {$750.00} and is now managed by Vance and Huffman. The second account was originally opened XX/XX/XXXX at XXXX XXXX XXXX for {$1100.00} and is now managed by XXXX XXXX XXXX XXXX. I have filed multiple disputes thru XXXX but the disputes were found to meet FCRA requirements. I have absolutely NO knowledge of either account and have never heard of or used either company.
10/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 318XX	Web
Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all 3 credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
10/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have repeatedly asked Vance and Huffman, XXXX, XXXX and XXXX to validate this collection account. I have received any validation at all. Vance and Huffman is collecting for XXXX XXXX and I dont have any idea who XXXX XXXX XXXX other than another collection company. If this is the case who are these collection companies collecting for? I need to know what service I received from XXXX XXXX and Vance and Huffman. I also, need proof such as signed agreements that I agreed to services from them. Is it legal for a third party company to collect for a third party company?
05/26/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30030	Web
I've disputed this debt multiple times with the credit bureaus but these people continue to report on my credit report and when I dispute that they do not own the debt and shouldn't be reporting on my credit report they only respond the debt is valid. The point is they do not have the right to report on my credit report because they do not own the debt. According to XXXX XXXX XXXX they are still the owner of this debt. It has been assigned to an outside collections agency but since they are not the owner, they are not reporting any information to the credit bureaus.
12/29/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH XXXXX	Web
So I called to find out what this was about because I never heard of a XXXX and XXXX XXXX and so I don't know he told me they made several attempts to reach me but when I searched my email they only made one attempt and went straight to my credit report without allowing me to take care of it before it went to my credit report I attempted to have a conversation with the guy but he kept trying to overtake Me Too! And II don't even remember this is payday loan and that payday loans are illegal in Ohio so that may be why We stopped communicating with XXXXXXXX XXXX XXXX
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45014	Web
3 weeks ago I received an alert of a collection account being added to my credit report. I've disputed it twice as I've never even heard of this company and after researching I found that this is a common practice from Vance and Huffman llc. They double report which is illegal and fraudulently put garbage on your report. I need this looked into as I've disputed and reported to multiple agencies and currently working with my attorney to file a lawsuit. The amount is {$270.00} and says original creditor is XXXX. Never heard of either of them original or secondary.
11/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85044	Web
VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. You cant place something on my file before you allow me 30 days to dispute! This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75287	Web	Servicemember
In accordance with the Fair Credit Reporting Act. The Following Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. Account : VANCE & HUFFMAN LLC - Acct number : XXXX XXXX XXXX 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted a complaint with the BBB and the Attorney Generals Office. This Collection Agency and Credit Bureas are volating my rights and costing me dearly.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29673	Web
on XX/XX/2019 Vance Huffman LLC has added a collection account per XXXX XXXX upon further research, this account was transferred and i am no longer responsibile for this account. Debitors did not verify this collection. Also there is no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Vance and Huffman LLC has violated my rights as a consumer and im requesting legal action to remove this account immediately.
05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92544	Web
XXXX XXXX is reporting an account ( XXXX {$910.00} ) on my credit files, i have contacted them requesting validation they say that there other company capital management is collecting for them. I contact XXXX XXXX is sending me settlement letters by mail, asking for validation for this account that I have never had business with this company and tell me that they have no account info for me, but that I need to pay the account off with there offer. I have no knowledge of this account with either company. I have attached the settlment offer from XXXX XXXX
02/08/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	MD 20748	Web
I've attempted numerous times to get this account taken care of. Its past the XXXX, it's reporting incorrectly and needs to be deleted immediately. You guys are on a recorded call violating all types of laws and I am not going to stop disputing this inaccurate and unverifiable account. Please send the Archive File. Do not respond in any way other than through this CFPB portal. If you respond in ANY way other than through here, I will consider that harassment. Also, while the tradeline is under investigation, it needs to be deleted. Please do so. TIA
12/16/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 338XX	Web
My name is XXXX XXXX, and in 2008 I purchased a 2008 XXXX XXXX XXXX pickup truck. The company approved me for a loan to get the pickup ( the company is in Texas ). Yesterday, a collections company called me, and a very demanding woman told me to pay her a loan that I owe her for XXXX more [ XXXX ], I think its perfect I pay them that amount. [ XXXX ] Please, make them pay me the available credit of {$18000.00} more. [ XXXX ] If they engage in vandalism and steal from everybody, they should pay that loan that they stole from me in credit ... [ XXXX ]
07/24/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 95838	Web
XXXX and XXXX XXXX reported information on my credit report for XXXX XXXX on XX/XX/XXXX and for loanme on XX/XX/XXXX without following the debt related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( I ) - ( v ) ; 34 ( c ) ( 2 ) ( ic ) and itemization related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) and consumer response information ( 12 CFR 1006.34 ( c ) ( 4 ). I never received anything from the debt collector, however the debt appeared on my credit report without my knowledge. No debt validation letter or no debt verification letter
09/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	HI 967XX	Web
On XX/XX/2023 I received an email notification regarding a negative account being reported on my credit reports ( XXXX & XXXX ). I have been monitoring my reports closely due to preparing to build a home. Vance & Huffman has reported an account to the credit bureaus without properly notifying me with a validation information notice required under 12 CFR 1006.34. I have not received ANY communication regarding this debt prior to it being reported to my credit reports, as the only information I have is what is being reported to the credit bureaus.
05/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43160	Web
There is a entry on my credit report from Vance & Hoffman. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. Thanks.
08/13/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72034	Web
i recieved a letter from this vace and huffman saying i owed for something i never got or recieved of XXXX i disputed it on my XXXX it came back verified and i could not disput it again call the they were rude and had no explation of the company that financed it went out of business said i need to pay or it going to be on all of my credit reports and it is they needs to reomve this bogus account from all credit bureas i never got or recieved anything the company went out of business in XXXX and this collection got this is XX/XX/XXXXXX/XX/XXXX
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 700XX	Web
Vance & Hauffman collections agency put 2 accounts on my report that had already been removed by the original company that placed them plain green. Now they are back but I am also getting emails about same accounts from XXXX XXXX. This is ridiculous how many companies are going to try to collect something that doesnt belong to me and XXXX my credit up. Whats next XXXX XXXX will place on my report and it will be listed twice? Then this Vance and Hauffman sends me a letter saying I got a loan from XXXX XXXX in XXXX absolutely not the case.
03/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70805	Web
IN XXXX AND XXXX OF 2023 I CONTACTED VANCE ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78717	Web
Vance Huffman added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX XXXXX	Web
Mailed validation letter to company on XXXX requesting validation. Received a response on XX/XX/17 stating they have requested information from company. Vance and Huffman stated on their website that this inormation would NOT be listed on my credit report. It is listed as a collection. I have contacted the XXXX XXXX of XXXX inquiring if this company is license and bonded in Texas to collect. I have been informed that they are not licensed in Texas. The XXXX XXXX of XXXX requires you to be licensed and bonded to collect in Texas.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ XXXXX	Web	Servicemember
I have paid off a collection account with Vance & Huffman in 2021. When I paid the account, the rep said the information would be removed from my credit report. At this time it is still on my report. It also shows an open date of XX/XX/ 2021. That is simply the date Vance & Huffman bought the account. The actual age of the account is several years before that. Since the information is incorrect, I would like Vance & Huffman to remove the information from all 3 credit agencies as they said they would do when I paid it originally.
04/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77026	Web
XXXX XXXX XXXX XXXX continue to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that this is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
05/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35235	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Factoring Company Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$970.00} {$970.00} Terms : 1 Month These are not my accounts. Per where they stated they originated, they have no such store here. I don't own the property they speak of. I have contacted the companies and they still placed the two accounts on my credit report. They continue to report inaccurate entries.
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 95822	Web
Shot and slime this credit reporting company place a collections on my credit report on XX/XX/2021 the collections company is title Vance and Huffman I tired calling this company for over 3 days they have yet to answer the poke more can you get anyone and they never states what the collection is for I try my hardest to keep my credit right and hard working in my credit this company place this on my credit knocked my score down 15 points I need help to resolve this I have nothing on my credit or any collections please help
11/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77099	Web
Vance and Huffman LLC. has continue to contact and harass me into paying a debt of {$770.00}, I have not given this company written consent to locate any information on my behalf ; also such communication from a debt collector is prohibited because I cease and desist all communication. Reporting this fraudulent information to the credit reporting agencies is in violation of my federal protected consumer rights and all information shall be deleted permanently from your system. XXXX USC XXXX XXXX XXXX ) XXXX USC XXXX XXXX
04/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90008	Web
I received an alert on my credit report about a collection. I pay my bills on time so I was confused. I received the alert on XX/XX/2021 for {$310.00} via XXXX. It was from a company called Vance and Huffman. I have never received any correspondence from this company about this alleged debt. According to the Fair Debt Collection Practices Act, I should have have received written notification. I have never received a debt validation letter stating that I owed the debt. I have never been mailed anything from this company.
05/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75252	Web
I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Next phone call or let her is going to be for my attorney and if you dont believe Ill see you look me up on pacer baby.
04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30058	Web
This account was closed with a XXXXXXXX balance Balance with the original creditor and acceptance rental {$2000.00} original balance XX/XX/2017 now Vance and Huffman is trying to collect {$4400.00} I have been caused much anguish over this situation which I thought was solved years ago I am XXXX and this is affecting me getting housing and other things that could help me I would like for this info to be removed from my credit report and for these people to stop harassing me.I also filed a complaint with the XXXX
07/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78641	Web
Vance and Huffman LLC has reported a collections account to my credit reporting history. This collections account is in the amount of {$1100.00} for " XXXX XXXX XXXX '' as the original creditor stated that it was opened XX/XX/2021. I did not open any accounts with XXXX XXXX XXXX and have disputed this debt, however I have never been provided a debt validation letter, even after disputing this with the credit bureau. Vance and Huffman LLC has " verified this debt is accurate '' however it does not belong to me.
02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77040	Web
Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$740.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
12/01/2019	No	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OH 44004	Web
I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has XXXX XXXX and XXXX has Vance and Huffman llc amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies
07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 330XX	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 751XX	Web
I am a victim of identity theft. A company called Vance and Huffman LLC added a fraudulent account to my credit profile on XXXX, XXXX, and XXXX. I immediately called them and told them that this account was fraudulent. I asked them to send me any paperwork that they had that I could turn over to the police to help them better their case in finding who has been using my identity to gain access to my credit. The company refused to do so and will not remove this fraudulent account from each Credit bureau.
10/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 235XX	Web
On XXXX XXXX, XXXX I sent Vance & Huffman a letter in which they received on XXXX XXXX, XXXX disputing an account on my credit file. I asked them to send me the XXXX XXXX, and promissory note along with my wet ink signature and they have failed to provide me with that information as well as they have not put my account in a disputed, nor have they verified the status per 15 U.S Section 1681i ... This account also has missing and inaccurate information listed which is in direct violation of the FCRA..
03/27/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	XXXXX	Web
Company Name : Vance and Huffman , LLC Contacted me ( XXXX XXXX ) on behalf of a relative ( XXXX XXXX ) multiple times. - Without identifying myself, they told me they were attempting to collect a debt - Multiple times, my sister and I have both requested they not contact us or any relative by phone regarding this debt - I recorded a conversation with the debt collector regarding this, but they said they could not speak on a recorded line. I do have voicemails indicating illegal contact, however.
02/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77040	Web
Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$630.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
09/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19111	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 074XX	Web	Older American
I suddenly have two collection agencies reporting on my credit reports. Both of these agencies claim that accounts were opened in XX/XX/2022. I have never received any inquiries nor have I received any previous bills or correspondence. When I attempt to contact them theres only a recording that wants my Social Security number. I have reported this to the credit reporting agencies who have failed to rectify the situation. This is severely damaging my credit that I have worked very hard to regain.
08/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19144	Web
The particular VANCEHUFFMAN account recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
08/17/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85257	Web
This was a payday account with XXXX XXXX, a debt collector Vance and Huffman LLC reported the negative item on XX/XX/2021. They had bought off payday loan debt from XXXX XXXX and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with Vance and Huffman LLC. This should be remove/dispute off my credit report immediately.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 70058	Web
I disputed these items a while ago about Vance Huffman Account # XXXX. After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned to my XXXX account and creating more harm to my report and current life-style. As per mandatory by the FCRA & 611 ( 15 U.S.C & 16811 ) its required that I am sent ( within 5 days ) a certification of accuracy and notice of the updated information associated with this debt from my credit report instantly!
11/24/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44128	Web
Vance and Huffman LLC and XXXX XXXX XXXX XXXX {$8700.00} i have filed several disputes against this company in the credit bureau. this is not my debt. i do not and have not opened an account with this or any other company the dates they say was opened is XXXX, 2020 i asked for proof, a signed contract, anything to show that this is my debt but the have given me nothing and have lied to the reporting agencies and its still on my credit. this is against the law and they dont care.
08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37013	Web	Servicemember
I was contacted by this company who stated that I owed them for a washer and dryer rental/purchase. This account does not belong to me. I did rent a washer and dryer from XXXX over a decade ago. However, that up account was paid off in less than a month. I do not know anything about this current account or who opened it. I spoke to two different people at this company and asked them to provide verification of this debt but they refused and were very rude and threatened to sue me.
06/23/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 328XX	Web
To whom this may concern, Vance & Huffman are reporting a debt that I do no owe and there reporting XXXX and the letter XXXXthat they sent over to the CFPB shows a different amount of {$550.00} this is not my debt and I need this to be removed from my credit report. They haven't shown any proof that I owe them directly they have not validated that I owe any loans with them. I need for this matter to be investigated and for them to remove this erroneous debt from my credit report.
08/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19111	Web
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.
02/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33511	Web
I pulled my credit report and saw a collection account from Vance and Huffman LLC I REACHED out to them and explained that this was not my account it was opened fraudulently by someone I knew in Ga that got ahold of my personal information and they also got an apartment in my name.. they told me it didnt matter because payments were made on it. I advised regardless if they made payment on it or not it wasnt mine.. they refused to listen and started trying to accuse me of this.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX XXXXXXXX
06/18/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	DE 198XX	Web
Vance & Huffman llc keep sending me a billing statement when asked in writing for them to send me proof including a wet signature that I signed a contract with them and I owe them money as well as the original contract they can not produce. Since this collection agency can not produce original contract between me and this collection agency with my signature that I owe this collection agency money this collection account needs to be deleted from my credit reports immediately.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53210	Web
Under the complaint including the 15 U.S.C 1681G Law violation, I have reviewed my credit report and somehow a third party get my information without provided any document who they are and how they get my information, I would like this to be remover off my report, The company : Vance & Huffman they company they are spooned XXXX XXXX XXXX, Get phone call and email try to threat me but could not provide who there are and how long the receiver my information in there office.
09/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92584	Web
I have called and emailed Vance and Hoffman LLC several times a month since XXXX of this year to let them know they have a collection account on my credit report that is not mine. In XXXX my XXXX XXXX was broken into and someone stole our mail. From my credit report it looks like Vance and Hoffman LLC bought debt from XXXX XXXX XXXX XXXX and now say I owe {$4600.00}. I have sent them my theft Affidavit and I have let them know numerous times that the debt is not mine.
07/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NJ 08053	Web
Hello, I just want to make one thing clear VANCE AND HUFFMAN LLC. DONT YOU EVER accuse me of lying. This is a collection from a XXXX XXXX in XXXX and I dont live in XXXX XXXX Ive lived in XXXX XXXX since XXXX and these allegations are not false and misleading, your company is and you should be sued and closed down! Dont you ever accuse me of lying. If this doesnt stay off, Im going to come at you for defemation. Ive already filed another report. Dont mess with me.
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web
Hi yes I have been getting on XXXX XXXX when I checked my credit score I happen to see XXXX XXXX XXXX XXXX for the amount of XXXX I disputed it with XXXX in XXXX XXXX and XXXX times in XXXX of this year XXXX every time I dispute it they leave it on my credit report it was open in XXXX of XXXX is open fraudulent I have not been to XXXX XXXX XXXX XXXX in XXXX of XXXX it also popped up on my XXXX report I disputed it they removed it some reason XXXX will not remove.
09/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30114	Web
The llc company XXXX XXXX has reported a debt that is past statute of limitations from XXXX XXXX. I want validation and removal of this debt from my credit report. And all copies and documentation forwarded to me. Again, this company is commuting fraudulent activity by reporting fraudulent information on my credit report, which effects the quality of my life. I expect the removal and full validation and investigation within 30 days. Thank you, XXXX XXXX XXXX XXXX
11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94565	Web
I have been trying to get a validation of debt request fulfilled for many many months with no success. XXXX XXXX has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete XXXX from my credit report immediately. Also, I was informed that Vance & Huffman would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30309	Web
I am XXXX XXXX, there is no third party involved, Im submitting this info for myself by myself! I did not consent to, authorize or benefit from the following accounts. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''
02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 988XX	Web
I was notify a alert on my credit report on XXXX that my score dropped 22 points because there was a collection added to my credit I dont know who these people are they dinged my credit I dont know what it is or how long its been owed! I tried calling nobody answered or nothing! I was looking online and they said they have to my signature in order for them to have this debt which I dont have any or nothing! Never got mail from tnem or phone call or email nothing!
05/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 90008	Web
original loan was with XXXX. debt was paid late to XXXX XXXX XX/XX/2021. Debt has been sold to Vance and Huffman. They are reporting it as a brand new XX/XX/2021 delinquent debt. Original debt is over 3 years old. Vance and Huffman refused to validate debt and insists that it is ok to report the delinquency as XX/XX/2021. Vance and Huffman refused to do due diligence on payment to XXXX XXXX and insisted that the onus of any debt validation is on me and not them.
02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30016	Web
Sent numerous letters, in 2020 to Vance & Hoffman LLC. Stating that I am a victim of identity theft and that they must cease and desist all attempts to communicate with my in any attempt to collect a debt that I have no knowledge of and all are to discontinue from reporting false and misleading information to XXXX and XXXX and any other credit bureau that exist. Vance & Hoffman LLC - XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX
01/26/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76543	Web	Servicemember
I have sent multiple credit disputes to trans union, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) budget used car sales ( someone stole the car ) And XXXX XXXX
05/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90703	Web
3rd party collection agency Vance & Huffman LLC purchased a previous debt and reported it on my credit without ever contacting me in any way Nothing by mail, phone or email. They reported it without contacting me so I would contact them so they could try to collect. The amount and the details of the debt are incorrect. They have numerous complaints of the same thing through the XXXX XXXX XXXX XXXX. They're tactics are fraudulent and not within guidelines.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91763	Web
This account does not belong to me. XXXX XXXX XXXX are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.
05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43537	Web	Servicemember
In accordance with the fair credit reporting act., VANCE & HUFFMAN XXXX XXXX has violated my rights. 15 USC 1661 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 77054	Web	Servicemember
In XX/XX/2021 a loan was taken out in my name. This was done without me knowing. l never received a single XXXX from XXXX XXXX l called them personally and sent a inquiry and XXXX is showing delinquent on my report l have current and past bank statements too prove l never received a dime from this company please remove this item from my bureaus ( l also enclosed a bank statement from XX/XX/2021 the whole month in which Balance said they gave me XXXX )
10/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 79927	Web
I was notified through my credit monitoring system that my score had dropped substantially on XX/XX/2020 due to a collection account that was reported on my credit. I immediately disputed this because it's not mine and requested the Credit Bureau to verify the debt. The Bureau came back and said it was verified but did provide me with any supporting documents showing this. I have tried disputing several times with no resolution so I'm taking this step.
06/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93274	Web	Servicemember
I have a debt on my credit report that was acquired by a company Vance & Hoffman and it is totally invalid. I already proved to the original company that I never received the product that was in question and the original company removed their debt collection efforts from my credit report. This other company decided they were going to continue to collect money from me illegally. They are affecting my credit score illegally and I need them to be stopped.
02/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA XXXXX	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on VANCE & HUFFMAN LLC ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
07/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11720	Web
I have been attempting since XX/XX/2020 to receive any type on proof of ownership a collection in writing from a collection that just popped up on my credit report that i have no knowledge of. My identify has been compromised on a few occasions in the past and it is vitally important for me to receive proof that i am responsible for this debt. I have repeatedly disputed this debt with transunion to no avail of receiving any type of correspondence.
05/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 08053	Web
A company call ed Vance Huffman licens e number XXXX called and attempted to collect on a credit card account from 2003 that was paid in full with the company XXXX XXXX via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.
08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within XXXX days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than XXXX days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX
04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 62226	Web	Servicemember
I sent the company a written letter asking them to prove that I owe them this debt. I asked for a list and a wet signature of this debt that I had with them. Instead, they sent me a list from a different debt collector ( XXXX XXXX XXXX ) and a bill from them. They did not send me a signature that I had with them nor that I made this debt with them. I sent them a letter of refusal to pay and asked them to take this debt off my credit report.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH XXXXX	Web
Debt collector has re-aged a older account, Date of delinquency from original creditor who reported the date of first delinquency by years account was from 2015 they reported new open account for XXXX XXXX able to have removed of XXXX an XXXX but not XXXX, not sure if I should upload files here because it contains personal information Name of creditor is XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX number ( XXXX ) XXXX
01/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77545	Web
Vance and Huffman is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and I reached out to them to get validation of debt to resolve this issue. It has been over 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting that this account be deleted from my account now!
07/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following items are on my credit report : XXXX. VANCE AND HUFFMAN LLC XXXX. XXXX XXXX XXXX
03/28/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NJ 07017	Web
I got a Debt verification letter from Vance & Huffman with account balance {$490.00} from XXXX XXXX as the original creditor. They attached a letter from XXXX XXXX with higher amount. Due to discrepancies and inaccurate information on amount due from both side XXXX Vance & Huffman and XXXX XXXX ) I called Vance $ Huffman and request that the information need to be removed from my credit reports asap but the agent said it can't be done.
10/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
I XXXX XXXX have disputed this inaccurate debt several times which clearly isnt mine. I have attached the original contract from the creditor in which is not legally signed by me. I have never authorized an account on my behalf via Vance and Huffman nor XXXX XXXX XXXX. This is not a Joint account its clearly signed and Dated by the Authorized person XXXX XXXX. Please remove this or please let me why this is attached to my report Thanks
03/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	KS 673XX	Web
I paid off a collection agency that was on my credit report. It is Vance and Huffman , LLC for {$740.00}. It still does not show on my credit report that it is paid in full. I have asked the company to please report it to the credit agencies. I was told they would. I wanted it to show paid on my credit report to make my self look better and more responsible. Since I paid this debit I want something to show for it. Thank you. XXXX XXXX
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 90044	Web
I was sent an alert from vance & Huffman flagged my account due to XXXX XXXX XXXX cashing a check in 2017 that bounced. The check was a settlement check and I dont deem I am responsible. I have been at the same address since cashing the check but was nevertheless notified of this issue. The amount is {$84.00}. I think this should be a issue with the company or I shouldve been notified in writing before this being flagged on my report
09/26/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web
this is my case # for a previous claim that the cfpb didnt handled the right way and now im forced to take legal action against the cfpb and vance & huffman for violating my fcra 15 usc 1681 and identity theft because they still havent show my how they verified the account. my information was bought by this debt collector which has no right and without my written consent to collect a debt and have my information and threating me. 7
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94080	Web
-Collection company reporting false and erroneous information on my credit report that I owe a debt -Never notified and have no knowledge of original debt -this debt does not belong to me -company named as original creditor of XXXX XXXX XXXX does not exist -debt has been disputed with experian as accurate with no information supplied to me including original dates of debt, any signed contracts, or proof that I owe a debt to them
02/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 146XX	Web
Vance and Huffman LLC is reporting on my report in the amount of {$1000.00} I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75134	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92105	Web
This company has been saying that I owe money to them but I never did ANY BUSINESS with them. I even reach out and they told me over the phone that I didnt have an account with them. But all the sudden I have someone reporting items on my account that is not accurate. I have never did business with XXXX XXXX. Thats the name of the company that I was told by the person helping me fix my credit. I am a victim of identity theft
06/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA XXXXX	Web	Servicemember
Vance and Huffman LLC is reporting on my report in the amount of XXXX $ I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.
04/13/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 983XX	Web	Servicemember
A collection from Vance Huffman was place on my Credit Report. The original creditor says, XXXX XXXX XXXX XXXX XXXX. I have never heard of this company, they appear to have something to do with phones. I have had the same phone through XXXX for years and have never used anyone else since at least 2017, prior to that I was living overseas. This is clearly a scam, I have tried to dispute this ; however, my calls are ignored.
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30297	Web
I have a loan with XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75149	Web
At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is Vance and Huffman. Fast forward to XX/XX/2022 Vance and Huffman LLC removed their negative item from my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. Today they readded it without notification or reason.
08/05/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30083	Web
Collection agency Vance & Huffman purchased this debt from XXXX XXXX. The original date of this debt was XX/XX/XXXX. Vance & Huffman is deliberately re-aging this account to show it as XX/XX/XXXX in an attempt to affect my credit rating, cause denial of credit and to cause me higher interest rates & loan terms. I have asked them for all media pertaining to this debt as I have the original contract opened up in XXXX.
12/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77065	Web
Contacted the company and disputed the debt in question was not mine at all someone had illegally and with out my knowledge or permission opened the account. The company responded that they investigated and the account is not mine. They didn't and have not taken the account off my credit report and out of my name and that's what they're supposed to do so please get this removed off my report and out of my name
10/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA XXXXX	Web
I have a loan with XXXX XXXX XXXX and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
01/15/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 95821	Web
This company bought debt from money mart which was an account the was opened in XXXX. They are inaccurately reporting date of debt and reopened from new company as of XX/XX/XXXX. I have disputed it however the company came back as accurate. It is wrong to report an old debt as a new debt money mart was the original collector and sold this to VANCE AND HUFFMAN LLC who I am referring to as reporting inaccurate.
05/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95307	Web
XXXX notified me that the company Vance & Huffman LLC affected affects negative my credit score with a balance of {$6900.00}. I never received any validation notification from Vance & Huffman LLC. Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and validation is requested. Balance date : XX/XX/2023. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX XXXX
04/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20601	Web	Servicemember
On XX/XX/XXXX, I received an alert via my credit monitoring company that VANCE & HUFFMAN LLC, placed an alleged collection debt on my credit report. Per the FDCPA, the company failed to provide a written request of Validation and/or contact me prior to placing the alleged debt on my credit report. The company has been sent a letter dated XX/XX/XXXX via Certified mail in reference to this FDCPA violation.
01/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77386	Web
I have a collection account from a VANCE & HUFFMAN LLC that I have no knowledge of I tried contacting them in 2019 about this issue and told them I was a victim of identity theft and they told me they were going to delete this off my file and have not done it yet. I need this off my credit file because its NOT my account, I have no knowledge of this account. This account was opened without my knowledge.
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78741	Web
Company name : VANCE & HUFFMAN LLC Im seeing two dates of : XX/XX/2021 & XX/XX/2021 In the balance of : {$920.00} I received an alert of this collection today XX/XX/2021 & quickly disputed because this is completely fraud & unfair! This company has reported to collections and decreased my credit score over XXXX points! I have absolutely no idea what this is & its definitely not from me. Please help!
05/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web
I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.
02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34743	Web
Some company by the name of XXXX have sent me to collections by 5 different agency. Soon as I resolved with one company another write me and send to my credit history. I have been fighting with them for years they remove it then put it back under a different name. They have used XXXXXXXX XXXX XXXX XXXXXXXX now Vance Huffman llc. I keep telling them I never used XXXX they refused to listen.
07/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 704XX	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
05/20/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 76244	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA XXXXX	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on VANCEHUFFMAN Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 115XX	Web
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.
05/14/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	AL 35401	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
05/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77072	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
09/10/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	UT 84043	Web
XXXX XXXX XXXX are reporting on my credit report & attempting to collect a debt I do not owe. For one I never received anything from this company regarding this debt. I just saw it on my credit report. For 2 this debt shows from over 7 years ago which is past the statute of limitations. This is erroneous and they are in violation. The next correspondence to them will be from my attorney.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OH 45459	Web
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2022 Re : Account Number XXXX
01/07/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Im stating once again this company is an under violation of regulation out of the fair debt collection practices act. I have never been notified about this debt. They can claim they sent all the emails they want to claim they sent. That is not a sufficient initial contact to give somebody the right to dispute the debt either they remove this or I will sue them and Im going to win
06/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21401	Web	Older American
This account was a included in my bankrupcy dated XX/XX/2016. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.
01/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39759	Web
Two different charges appeared on my credit reporting in the amount of {$510.00} and {$520.00}. I contacted the company to dispute numerous of times and to have this information removed from credit reporting agencies. I have also asked to be provided with what photo ID and social security card was used at the time of obtaining such accounts. I have never lived at XXXX.
08/23/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 92336	Web
A company listed on credit report as VANCE and Huffman LLC has sent out a debt collection notice to me trying to get XXXX dollars from me. I never took any sort of credit or loan from any company under this name and with me having a near perfect payment record it was absurd hearing of this out of nowhere, then threat of legal action towards me and attempts to seize assets.
07/22/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 78501	Web
A debt collection agency has been contacting me and not proving any information about who they are and why they are calling. They used a no caller ID and failed to provided who they were representing and why they were calling. I know practice like these are illegal and it seems through a little research I was able to determine they were calling from Vance and Hoffman LLC.
03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
I XXXX XXXX have contacted all credit bureaus disputing debt as this is not my debt and should be deleted from my credit reports. The company Vance and Huffman ( debt buyer ) is now illegally in an attempt to collect the debt by re-aging the debt reporting to the credit bureaus. This is not my debt ; this debt is fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
07/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30309	Web
Vance & Huffman is reporting a debt on my credit that is not mine. I recently checked my credit and noticed this debt. When I called to confirm if this debt, they were not able to give me any information that confirms this is my debt. Someone had called to make a payment and I advised them to send me an id and they didn't want to send me anything. This is not my debt
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 79936	Web
I submitted multiple disputes on a collection account that is reporting multiple innacuracies on my report account is showing a past due balance this account is in collections and from what I read a collection can not have a past due balance as a collection is past due by default please delete this from my credit report for failure to accurately list this item.
03/08/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	CA 90002	Web
Company failed to provide a 30 day notice of insertion with the ability to dispute or a dunning letter. Reporting company has re-aged the alleged debt to extend the amount of time in which they are able to collect funds. They have also been reporting two different balances per FCRA any details they report must be accurate and if not that is grounds for removal.
09/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32828	Web	Servicemember
I had a debt reported on my credit file that isn't my debt. I spoke with Mr XXXX XXXX at Vance & Huffman in regards to debt, Mr XXXX stated that he would have this removed from my credit and that he submitted a removal on XXXX XXXX but it's still showing a negative impact on my credit. This incorrect reporting has caused my credit score too drop over 40 points.
06/09/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	KS 66102	Web
Vance and Huffman , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX XXXX XXXXOther Phone ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX They have been trying to collect on an auto loan that has been paid off. XXXXXXXX XXXX XXXX XXXXXXXX balance {$8900.00} date opened XX/XX/2021 for XXXX XXXXXXXX XXXX XXXX XXXXXXXX
11/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web	Servicemember
Vance and Huffman LLC This Account was opened fraudulently. I'm a Victim of the XXXX Security Breach. I have never opened any account with the company ; " Vance and Huffman LLC '' I Did Not Open or Authorized this Account or Request Any Amount of Credit. This Account Is Fraud. I Did Not Authorize The Company Vance and Huffman LLC To Open This Account ...
07/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33756	Web	Servicemember
The debt arrived from security cameras that were in a restaurant that I owned I sold the restaurant the loan was to be paid by the new owners. I had no idea the debt was not being paid this was in XXXX and I heard nothing from the creditor until XX/XX/XXXX when I was being threatened with suing me Over the debt and they placed the collection on my credit.
08/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19142	Web
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
05/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94589	Web	Servicemember
I called the company today as I never received a call nor a letter to allow me to dispute this. Was told by the lady that answered the phone that they do not have to send a notice and can just place this on my record. Sent this to an address that I no longer reside at. I have no proof that this is my debt from 2017 and they are now trying to collect on.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95035	Web
I was recently received a credit report that shows the Vance and Hoffman have filed a collection against me on XX/XX/2023 for collection account originally held by XXXX XXXX XXXX I have never had account with XXXX XXXX XXXX I believe this report is a result of fraud and error whats your desired outcome I want this account removed from my credit history
12/22/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19139	Web
The debt collector was notified that I paid the debt in full to the original owner XXXX XXXX. Furthermore XXXX was notified that XXXX XXXX of XXXX XXXX never delivered the furniture in 2015 that I signed to purchase as they claim it was out of stock and gave me something else. The entire file is fraud and misrepresentation originating from XXXX XXXX.
07/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 22102	Web
On XX/XX/23, I received a notification from my credit monitoring service stating that this company added an account to my credit report. I never received a dunning letter from them about the alleged debt to allow me to request any validation but they just added it to my reports. Im demanding that they delete this alleged debt from my credit reports!
04/20/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 45014	Web
I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60123	Web
I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!
10/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22030	Web	Servicemember
As a result of verifying your accusation, we have learned from the original owner ( XXXX ; XXXX XXXX XXXX ; XXXX ) that not only has this matter been resolved, but that they did not hire your organization or ask that you act on their behalf. Please refer to the information collected. Also, please remove the inaccurate claim from my credit report.
10/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 388XX	Web
I contacted this company and was told it was a debt owed to XXXX. I have never got any furniture or whatever it is they say I got from them. The address they have dont even belong to me nor have I ever lived there. The person I spoke to was rude and just kept saying how am I going to pay the debt. Its not mine and I shouldnt have to pay for it.
12/03/2023	Yes	Debt or credit management Debt settlement	Charged upfront or unexpected fees	TX 75134	Web
It is against the law for anyone to sell an account I have not signed any form stating that this is my account nor did I sign for anyone to sell my an account, I have not supplied proof under doctrine of esptoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor in fact therefore exists.
11/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76543	Web	Servicemember
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$530.00}
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48236	Web
XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX account. I have been a resident at this address for XXXX years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in 2022 out of nowhere. Remove this item from my credit.
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web	Servicemember
We purchased a Heat Press from online from a company out in California. The heat press that was sent never worked. We have countless emails between ourselves and the company and a full refund was supposed to be issued since they never sent out a replacement machine. This was removed from my credit once before and has now been added back.
01/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30253	Web
I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID XXXX DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS VANCE AND HUFFMAN LLC XXXX XXXX XXXX XXXX, VA XXXX
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77044	Web
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
04/20/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 79936	Web
Around XX/XX/2023 Debt collection company " VANCE & HUFFMAN LLC '' placed account in collections since then company is reaaging the account and updating the balance I have disputed this account with collection agency requesting to validate this account and verify information please delete this account for falsely reporting on my report.
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 119XX	Web
Submitted dispute with XXXX, XXXX, XXXX on XX/XX/2023 to remove collections account Vance and Hoffman LLC. It is reporting inaccurate information to all 3 bureaus. I do not possess any credit accounts with them or any company associated with company. Credit bureaus failed to properly investigate dispute and remove invalid account.
05/05/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CO 80211	Web	Servicemember
A debt buyer named Vance Huffman reported on my credit for XXXX XXXX XXXX. Stated account was opened XX/XX/XXXX. XXXX Never had a payday loan with XXXX XXXX XXXX. I haven't cashed a check there since XXXX. I received nothing in writing. There is no contract. I've been incarcerated since XXXX in Colorado. Company refuses to verify.
10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX AND XXXX HAVE REMOVED THEM. XXXX IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF XXXX IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.
06/04/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
I tried to speak to someone at Vance and Huffman and they keep transferring me to other companies. I didn't take out this loan and even offered to settle the bill but they wouldn't talk to me. This is not my account but its reporting on my credit report. This is not my account. I have sent paperwork in and even certified mail.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89014	Web
l am not liable for this debt with XXXX XXXX XXXX I do not have a contract with VANCE AND HUFFMAN LLC They need to provide a contract that I have signed with XXXX XXXX because there is no said contract. If they are unable to provide a signed contract then I need to have this account removed from my credit report immediately.
10/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web	Servicemember
C ontacted Vance and Huffman about false report on my credit report. Asked them to identify the original creditor and produce original contract or signed promissory note. They failed to provide me with said documents. They only provided attached letter produced by their office. I have no knowledge of this debt nor account.
12/15/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 336XX	Web
This company told me my bank accounts would be frozen if i didnt promise a date to pay. Once I did and the payment failed they called me back to back at exactly XXXX XXXX. I redid the entire process under the circumstance that my bank account would not be frozen. The payment once again failed and the same process repeated.
04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20002	Web
Vance and Huffman is a creditor who purchased a debt from XXXX. I have filed a police report around the same time that my personal belongings where tooking. Including bank information, id, work id, ssc. I have uploaded police report to disputing agency and still there was no investigation or correction to my credit report.
08/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 743XX	Web
Vance and Huffman LLC Have recently applied a collections account to my XXXX credit score. Vance and Huffman will not supply me with a copy of the contract I have signed. I am assuming it is because a contract does not exist. I believe this should be removed as I have not recieved any information from Vance and Huffman.
12/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20708	Web
This debt was removed from my credit report years ago, has aged out of the statue of limitations and now has re-appeared for no reason without any verification. This is also reporting as an open account when the date of last activity is over 4 years ago. I do not owe nor do I have a signed contract with this company
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 630XX	Web	Servicemember
This debt originated with XXXX lease to own appliances. They double charged my account for 6 months during the year of 2019. This account was already disputed, handled and removed from all agency reports. It seems a new company has bought a debt that does not exist and has iilegally re-reported it to the agencies.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 655XX	Web
XXXX Report Number : XXXX Date Generated : XX/XX/2021 Collection Company : VANCE & HUFFMAN LLC Amount Owed : {$320.00} I am not liable for this debt with XXXX XXXX. I do not have a contract with VANCE & HUFFMAN LLC. Neither XXXX nor VANCE & HUFFMAN LLC has provided me with the original contract as I requested.
02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48204	Web
I was checking my XXXX credit report and saw this collection.. XXXX XXXX XXXX XXXX ( XXXX XXXX ) Which I do not recognize and doesn't belong to me. This is Identity Theft. Please remove from my credit report asap..The account number is XXXX. Amount is {$600.00}. It was reported on XX/XX/2022. Thank you.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77515	Web
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX
03/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 604XX	Web
XXXX XXXX XXXX sent all of my personal information to a person in another state unknown to me. My email, address, phone number and email address. Violation of my privacy. I have never received any information from them regarding those debt and didn't nkt know of it until it showed up on my credit report
07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75025	Web
I asked this company to validate the debt and provide documentation. With them showing as the collection agency they should be able to provide me with information. They were not able to provide any documentation and they are still showing up on my consumer report even though I asked for it to be removed
04/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DE 19977	Web
I never received any notification about this alleged debt from Vance and Huffman and was not provided with any documentation to validate it. I disputed this debt with XXXX and it was removed from my credit report. It was re-entered on my report 30 days later without any prior notification from XXXX.
07/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
Vance and Huffman LLC at XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
05/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44121	Web
I have called a few years ago and i wont tell me the items or the account that they say I was using to pay on it. I stated to them years ago that this was not me. I lost my wallet years ago and have an identity theft added to my account become several item have appeared on my name that was not me
08/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43206	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 146XX	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
09/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	KS 662XX	Web
So I contacted XXXX and I wanted to get original copy of the contract. They told me that I need to contact auto now which is a car company in Kansas City Missouri that is now out of business so I have no way of getting the original contract. They just told me to pay.. That was my only option.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72113	Web
I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. XXXX XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GU XXXXX	Web
Date Opened : XXXX XXXX, 2022 Balance : {$520.00} Original Creditor : XXXX XXXX I am unaware of this credit lender. I am currently located in XXXX and have never heard of Original Creditor. I reached out to company but wanted to report it just in the event they dont contact me quick enough.
07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94607	Web
This debt collection agency is negative reporting on my credit report that I opened an account XXXX in XXXX and owes a balance of {$780.00}. I never opened this account. Ive submitted disputes regarding the accuracy, dollar amount, authentication and the account not being open as reported.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90621	Web
A collection account appeared on my credit report that I have no knowledge about or what it's for. The company is Vance & Huffman LLC and the amount is {$4300.00}. I do not have an account number as XXXX does not provide account numbers. Account shows active but I have no knowledge of it.
01/24/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 94102	Web
I was contacted by XXXX that my credit score decreased due to unpaid debt to XXXX fro {$310.00} by Vance & Huffman LLC. I contacted XXXX who confirmed that I have no debt. I contacted Vance & Huffman with no response. My credit score dropped XXXX points due to this fraudulant claim.
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19143	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
10/01/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Received a loan you didn't apply for	TX 78244	Web
VANCE & HUFFMAN LLC Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX KS XXXX Amount XXXX I DO NOT consent to, benefit from or authorize any of the following inquiries
10/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web
Re : Collection Account # : XXXX Information belongs to someone else ( Identify theft, fraud, error ) Im sending this complaint requesting validation of this debt you say I owe you. Please review additional information attached to this complaint as for address verification. Thank you!
02/18/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92115	Web	Servicemember
XXXX XXXX is trying to collect a debt that they bought from XXXX XXXX XXXX. However, it is a debt that is past the statue of limitation for the state of CA pursuant to CA Civ Proc 337. It is over 4 years since last payment. They have not produced proper evidence of the amount owed.
09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 294XX	Web
I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.
05/10/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43607	Web
the accounts mentioned with this company does not belong to me nor did I have knowledge of the accounts the dates XX/XX/18 in the amount of {$1000.00}. I've sent over police report that states I am a victim of identity theft and the accounts still remain on my credit profile
06/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94621	Web
XXXX {$2600.00} ive tried disputing with them explaining to them that I am a victim of identity theft XXXX XXXX - XXXX {$1500.00} ive disputed this account several times, XXXX, I have no knowledge of this account XXXX XXXX XXXX XXXX Last updated XX/XX/2023 Balance {$110.00}
05/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NM 87123	Web
I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94804	Web
Vance Huffman listed a collection amount for XXXX. I never had a contract with or owed Vance Huffman for XXXX. I asked for proof that I contracted with them or owed them, they never provided it but continue to report on on credit as if I owed them or contracted with them.
01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 770XX	Web
I have sent in several disputes in regard to this account. each one has been ignored. The account has been updated several times with no proper investigation. This violates my rights as a consumer. I never gave written or oral consent to this account reporting XXXX XXXX
01/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75044	Web
I got an alert today about a collection owed to vance & Huffman llc for XXXX $ it was previously owed by XXXX XXXX a leasing agency located in XXXX. How is this posible when I live in XXXX Texas my whole life? Ive never been to XXXX in my life. This has to be fraud.
10/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This company is saying I owe them but I dont even know this company they tried to say I owe almost 4000 but its been proven they was wrong reason it was remove off my credit if I knew who or where this company was Ill would pay but never heard of them either company
11/09/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 93711	Web
I JUST RECEIVED A CALL FROM A COLLECTION AGENCY CLAIMING I TOOK OUT A LOAN FROM A COMPANY AND THEY KEEP TRYING TO THREATEN ME SAYING THEY HAVE A COPY OF MY DRIVERS LICENSE AND BANK ACCOUNT INFORMATION. I TOLD THEM TO STOP CALLING ME BUT THEY INSIST ON HARASSING ME
07/28/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70809	Web
Ive written several letters requesting verification of the debt theyre claiming I owe, including a detailed breakdown and that have not provided the information. Instead theyve reported the balance to XXXX instead of providing me with the information requested.
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94112	Web
On XX/XX/2023, I sent Vance & Huffman LLC a CEASE AND DESIST letter. The certified letter was delivered on XX/XX/XXXX, XXXX to date, the company is still reporting the account as open and in collections, please see attached documents from the credit bureaus..
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 295XX	Web
My account with Vance Huffman collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
11/01/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77072	Web
VanceHuffman has XXXX accounts listed on my credit report stating that I owe XXXX and XXXX both the state and they were open on XXXX XXXX XXXX I have no recollection of this debt and why it 's reporting on my credit twice same day open to different amounts
10/19/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78728	Web
On my credit report, they keep on reporting it as a new debt It was filed again in XX/XX/XXXX as a new debt was already reported in XXXX and they keep on refunding it like its a new debt thats got to be illegal. Affecting my credit in a negative way.
12/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30005	Web
On XX/XX/2020 I a collection from a company called XXXXance and Huffman LLC was opened in the amount of XXXX. I do not own this debt and, needless to say, it is effecting my credit rating of my XXXX report. I would of course like this to be removed.
05/21/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AZ 85295	Web	Servicemember
Received a notice that Vance & Huffman LLC has a collections item on my credit report. I believe the debt is paid. I asked for proof it is not paid and that they own it. None has been provided. I want them to remove the account and cease activities.
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32210	Web
XXXX {$130.00} XXXX {$690.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$560.00} XXXX {$500.00} I wrote letters and called these companies to have these items removed from my report, has not happened as of yet.
01/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KY 414XX	Web
The debit was through XXXX XXXXXXXX XXXX XXXX we had disputed that and it went off the credit report and now Vance and HuffmaXXXX took over the debit and put it back on my credit report after successfully removing it off the credit report before.
08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IA XXXXX	Web
Vance Huffman is a debt collection company who bought debt that was opened in 2009 this account has been on my report for 10 plus years they keep renewing the debt and will not remove it how is this legal how is it okay to bully a single mother?
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62221	Web
XXXX XXXX XXXX XXXXXXXX Purchase a account from XXXX XXXX that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62221	Web
Vance and Huffman. LLC Purchase a account from XXXX XXXX that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.
03/11/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78626	Web
In XXXX of 2021 company added an old debt to my account that damaged my credit score. I contacted them to dispute and then refused the " debt parking ''. They also refused to send me anything in writing that they are legally supposed to do.
12/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75252	Web
No clue who tis company is. According to my credit report their phn number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have NEVER received a letter or a phone call and I have been at he same address for YEARS
12/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web
This debt does not belong to me. I never signed a contract with this company, and they are reporting debt on my credit report this from someone using my information to obtain credit and needs to be removed as it is a fraudulent account.
04/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33177	Web
Account showed up on credit report with no prior knowledge of account or actual item trying to be collected against. The collector then tried passing the debt along to husband representing as his as well with no written notice of debt.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 302XX	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
04/20/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70058	Web
False statements that I owe them funds. I have never done business with this company. Continues to report this as open account. Continues to try to collect funds after cease and decease letter. Continues to defame my character.
09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77449	Web
I talked with Vance and Huffman about my account! I was told that once the payment was mad that the account would be remove from my credit reports! It was removed from XXXX and XXXX.It was completely removed from XXXX but not XXXX.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 907XX	Web
my consumer report has improper reporting and has been compromised these accounts are not my accounts i have no accounts with these companies never gave any of these companies authorization in writing to access my consumer report
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 439XX	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
01/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43206	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
01/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77091	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
12/08/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MS 390XX	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
04/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79932	Web
I never received any communication on this debt collection account until it appeared on my credit report. I have no knowledge of this account or where it came from. Vance & Huffman LLC XXXX Date Opened XX/XX/2022 {$880.00}
09/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
After requesting a copy of my credit report, I found this account from a third party they said stated over the phone, ( Vance & Huffman LLC Partial Acct # XXXX ), about me owing {$340.00}, for which I know nothing about.
03/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33613	Web
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
07/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30296	Web	Older American
On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account still appears after notifying the debt collector and never received any correspondence back.
04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 467XX	Web
This is some type of load that was part of identify theft. The original creditor is XXXX XXXX XXXX which sold the dept to Vanchehuffman. The items has already been removed by XXXX and XXXX. Need to be removed by XXXX
09/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web	Servicemember
This company is trying to collect a debt that is a result of identity theft that belongs to an address that Ive never lived at. Ive lived at the same address for XXXX years. This account is false and identity theft.
12/12/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	FL 33909	Web
Vance and Huffman LLC, XXXX XXXX XXXX XXXX, VA XXXX Amount stated on all three credit bureaus is {$1200.00}. I have no knowledge of this account from XXXX XXXX XXXX one day it just showed up on my credit report.
05/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL XXXXX	Web
VANCE AND HUFFMAN LLC, DID NOT SEND ANY NOTIFICATION TO ME ABOUT ANY DEBT. I HAVE CREDIT MONITORING SERVICES AND THATS HOW I FOUND OUT THAT THEY PLACED A COLLECTION ON ALL 3 CREDIT REPORTS, XXXX, XXXX, AND XXXX
05/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92115	Web	Servicemember
I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX and on my XXXX Credit Reports.
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20784	Web
XXXXam writing to delete the following information of my credit I believe I was a victim of identity theft I reported the theft to the Federal commission trade I have also enclosed copies of the affidavit
11/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27203	Web
Company calls and tries to collect a debt that is not owed. Very rude and pressing trying to get me to pay something they can not verify. I've received no information and have never heard of this company.
03/10/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48340	Web
I personally wrote letters to this company requesting that they validate the debt reported. They have not verified this debt belongs to me after several attemps. Advised that legal action would be taken.
08/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Received a loan you didn't apply for	CA 903XX	Web	Servicemember
Around XX/XX/2023 someone applied for a payday loan using my information. I reached out to the payday company letting them know that I did not apply for the loan and to remove it from my credit report.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91303	Web
Reporting information to the credit bureau that is not mine Ive looked up the company they are not contracted in California they have no contact number and the address is a non existing empty land mark
10/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MI 482XX	Web
My complaint is with A company called VANCE AND HUFFMAN LLC ( XXXX XXXX XXXX ) presented on credit score since XX/XX/2018. Also I have disputed this account once for Fraud. The amount due is {$1500.00}
01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33414	Web
XXXX phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX
01/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19116	Web
i was reviewing my credit report and i realize i have those accounts ( XXXX XXXX ) AMOUNT OF {$1800.00}, ( VANCE & HUFFMAN LLC, i need an investigation to these accounts that it don't belong to me.
10/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48340	Web
This company, I have never made or agreed to entering into contract with. They have failed to validate and type of debt I owe. They are making false claims against me by way of Identity theft.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33460	Web
I got a collection and I want it removed immediately Im not responsible or I will take legal action against them please have them remove it off my credit report XX/XX/2023 amount {$1400.00}
10/04/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75006	Web
I have been harassed with phone calls about this debt and i have told them before i do not know anything about this debt and they need to remove the false information from my credit report.
09/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32828	Web	Servicemember
This debt should have been included in my bankruptcy back in XXXX. This Company is reporting wrong dates This is from XX/XX/XXXX and they are reporting for XX/XX/XXXX which is inaccurate.
10/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77546	Web
Vance and Huffman llc has reported to my credit bureaus that I opened an account with them XX/XX/2020 which is false. I do not I ow who they are and I did not open any account with them.
05/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20748	Web
Vance and Huffman I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.
01/05/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 338XX	Web
In 2008 I purchased a XXXX-door XXXX XXXX XXXX SUV. The company that gave me financing is located in XXXX, Arizona. As for this collection agency, I dont know them or who they might be.
07/10/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 53206	Web
This was a {$400.00} loan and I attempted to pay a settlement amount and this company to the amount of a {$400.00} loan up to {$20000.00}. I just want to settle at a reasonable amount.
02/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48239	Web
I sent 2 letters to all 3 credit bureaus requesting that Vance & Huffman verify this debt. This is a re-aged debt on my credit report with inaccurate information that violates FCRA.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43235	Web
I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks
09/27/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 787XX	Web
$ XXXX from XXXX Collector didnt notify me before placing on credit report Vance and Huffman LLC . Also now my social security number has been on the dark web since XXXX of 2022
01/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30253	Web
MY COMPLAINT IS ABOUT XXXXANCE AND HUFFMAN I DID A COMPALIN ALREADY BUT THE CFPB FAILED TO PROTECT ME BECAUSE VANCE AND HUFFMAN VIOLATE MY RIGHT AND DAMAGED MY CONSUMER REPORT
04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76179	Web
I have disputed this account as it is not mine. I have not applied to this company and asked what information is there to show it is my debt. Where were these funds deposited?
07/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30519	Web
I sent a letter to this company dated XX/XX/20 to verify this debt. I received the attached reply back dated XX/XX/20, but it did not supply all of the requested information.
12/02/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33326	Web
Vance and Huffman LLC said that they would remove my account from my credit report if settled account to XXXX balance which I did and its still showing on my credit report.
05/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76123	Web
I disputed an account ( VANCE AND HAUFFMAN LLC ) in the amount of {$690.00} in which was removed from my credit. They put it back on my credit after it was once taken off.
05/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. The company is stating I owe them {$440.00}.
02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 13601	Web	Servicemember
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.
05/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. Company is stating I owe them {$1100.00}.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 95835	Web
At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL XXXXX	Web
Company picked up furniture sold it and put it on my credit report that not one payment was made. Account was sold to a collection agency who dont have no info on it..
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.
02/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77040	Web
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.
11/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 701XX	Web
In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Vance & Huffman LLC Account Number. : XXXX {$3200.00}
03/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92544	Web
Found out in my credit report that I have some trying to collect a dept bill that I dont know in the amount of {$1800.00} on XX/XX/2022 by XXXX XXXX XXXX XXXX
11/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 278XX	Web
This company had been posting account that was fraudulent put in my name without my consent.. I will like for this company to remove this off my credit report
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94546	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30341	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33068	Web
Im not liable with XXXX XXXX XXXX XXXX. i do not have contact with VANCE & HUFFMAN LLC. they did not provide me with the original contract as i requested.
02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45231	Web
XXXX XXXX charge off entry on my credit report for {$690.00} which is fraud. Vance & Huffman has an account for {$110.00} account # XXXX that is fraud.
10/02/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 352XX	Web
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.
12/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32218	Web
Everytime I call this company they dont answer nor be responsive regarding this debt and I have told them countless times Im a victim of identity theft
04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MS 39452	Web
XXXX XXXX XXXX XXXX I told them I know nothing about it and I told them take it off my Credit they refused to so I want something done about it
07/23/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 74804	Web	Servicemember
THE CREDITOR IS MISREPRESNTING THE DATE THEY LAST CONTACTED ME THE CREDITOR. I LAST HAD CONTACT WITH THIS CREDITOR IN LATE XXXX OR EARLY XXXX.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30046	Web
This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.
10/31/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33917	Web
Purchased eye glasses through a company called XXXX. Glasses were paid. Now they keep sending a false account to different debt collectors.
11/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30058	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
11/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30078	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
02/23/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	ME XXXXX	Web	Servicemember
Addendum to complaint # XXXX. This company cotacted me again, after I instructed them not to. I was again contacted on XXXX XXXX, 2017.
04/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
I do owe the debt the collection company is trying to collect. The original creditor is not licensed to conduct business in my state.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 185XX	Web
Contacted the company several.times explains it was not my debt and never had the account yet they refuse to remove from my report
06/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22802	Web
Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation.
07/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 794XX	Web
THIS DEBT WAS PAID IN FULL IN THE AMOUNT, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE.
07/23/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 762XX	Web
Vance and Huffman are trying to collect a debt that what processed by identity theft. Dispute filed twice to XXXX and XXXX.
01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33012	Web
A collection Account Which I disputed since XX/XX/2020 and it does not belong to me as I am a victim of identity theft.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75056	Web
Creditor reporting falsely on credit report stating account opened in XXXX would like investigation into this matter.
03/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30350	Web
This account was never set up by me. I have no knowledge of this account, I found out by looking at my credit report.
09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33028	Web
XX/XX/2021 I've sent a dispute letter to all 3 credit bureaus on incorrect reporting collection on my credit report.
11/22/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32808	Web
I have no idea who this company never did any business with them. I asked for proof never received anything
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 62226	Web	Servicemember
I have sent this company a letter requesting the proper information that shows I have a contract with them.
03/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19901	Web
The debt is not mine. Im not sure if this company and I never borrowed anything involving this company.
01/24/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 43232	Web
DEBT recently appeared as collections. May seemed to have been re-aged. Unrecognizable/ unauthorized
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75061	Web
This can't be happening!! This company must remove the as they need to validate this account!
02/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28214	Web	Servicemember
Debt was previously paid until item was returned. Contract was with XXXX not Vancehuffman.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 752XX	Web
It is not the place I got the account is totally a different place that on my account
09/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web
vanceHoffman, This is not my account I have no knowledge about this account,
09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20743	Web
The debt doesn't belong to me and I have no knowledge of how it got there.
04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77303	Web
I DO NOT OWE THIS COMPANY. PLEASE REMOVE FROM ALL CREDIT REPORTING BUREAUS
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75061	Web
Please see the attached documents to understand what had happened.
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32828	Web	Servicemember
This debt should have been cleared with my bankruptcy in XX/XX/.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 43062	Web
Vance and Hoffman {$940.00} open balance XX/XX/2023 2023
09/01/2023	Yes	Debt collection I do not know	Electronic communications Contacted before 8am or after 9pm	CA 94533	Web
I have no knowledge of these collections.
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70094	Web
Unauthorized account on my credit report
08/25/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 757XX	Web	Servicemember
I dont owe this or know the company
05/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web
Collection debt not mine
02/12/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Web

02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33417	Web

02/11/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77571	Web

02/11/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32003	Web

02/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46118	Web

02/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46118	Web

02/10/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 13601	Web	Servicemember

02/09/2024	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33175	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92883	Web

02/06/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	OK 731XX	Web

02/06/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33167	Web

02/04/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 37086	Web

02/04/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76052	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77401	Web	Servicemember

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33324	Web

02/02/2024	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 44505	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19013	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75001	Web

01/28/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70791	Web

01/27/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78254	Web

01/27/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TN 37209	Web

01/25/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 774XX	Web	Servicemember

01/24/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45503	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92346	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web

01/23/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43160	Web

01/23/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75165	Web

01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45503	Web

01/21/2024	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IL 60629	Web

01/21/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45232	Web

01/19/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32571	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92346	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38106	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

01/03/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93535	Web

01/03/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Improper use of your report Reporting company used your report improperly	TX 78254	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75501	Web

12/29/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54220	Web

12/29/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 76052	Web	Servicemember

12/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

12/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75203	Web	Servicemember

12/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33177	Web

12/28/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	AL 35022	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web

12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 656XX	Web

12/27/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 660XX	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28306	Web	Servicemember

12/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43026	Web

12/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 43607	Web

12/19/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MN 55412	Web

12/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76201	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77070	Web

12/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30214	Web

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33167	Web

12/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93257	Web

12/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77077	Web

12/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74401	Web

11/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33624	Web

11/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 34952	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92393	Phone

11/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91606	Web

11/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95355	Phone	Older American

11/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43017	Web

11/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92821	Phone	Older American

10/29/2023	Yes	Debt collection Payday loan debt	Electronic communications You told them to stop contacting you, but they keep trying	CA 95833	Web

10/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95833	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77388	Web

10/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43920	Web

10/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32905	Web	Older American

10/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 62702	Web

10/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77433	Web

10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90744	Web

09/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53202	Web

09/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84037	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 36066	Web

09/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36801	Web

09/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36304	Web

09/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37167	Web

09/14/2023	Yes	Debt or credit management Credit repair services	Confusing or missing disclosures	OK 74063	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77346	Web

09/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92104	Web

09/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62035	Web

09/06/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33004	Web	Servicemember

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19082	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36830	Phone

08/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60073	Web

08/23/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72734	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77340	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75052	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75052	Web

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75204	Web

08/05/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91605	Web

08/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48238	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

07/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75227	Web

07/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 74104	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76011	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90805	Web

06/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30309	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15106	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33269	Web

06/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30269	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33312	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29229	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77096	Web

06/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38305	Web

06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48206	Web

06/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92508	Web

06/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95828	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77578	Web

05/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

05/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48224	Web

05/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	OK 74801	Web

05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48224	Web

05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10465	Web

05/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

05/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93940	Web

05/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78223	Web

05/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48224	Web

05/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 94607	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web

05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90807	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94118	Web

05/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73099	Web

05/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web

05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94118	Web

04/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85041	Web

04/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32837	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77020	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90008	Web

04/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

04/18/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32837	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 93727	Web	Servicemember

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 93727	Web	Servicemember

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70052	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93727	Web	Servicemember

04/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33180	Web

04/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21234	Web

04/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78754	Web

04/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78660	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 19901	Web

03/30/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	AK 99712	Web

03/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70458	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60056	Web

03/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77429	Web

03/27/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07306	Web

03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27893	Web

03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 331XX	Web

03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23229	Web

03/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60620	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34758	Web

03/18/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60056	Web

03/17/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79387	Web

03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07423	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75702	Web

03/09/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76001	Web

03/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76018	Web

03/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92123	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70805	Web

03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06516	Web

02/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	HI 96762	Web

02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70052	Web

02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95828	Web

02/23/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 91301	Web

02/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29720	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web

02/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34471	Web

02/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34471	Web

02/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32837	Web

02/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90044	Web

02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70805	Web

02/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78751	Phone

02/05/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78640	Web

02/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76951	Web

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19120	Web

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19120	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33147	Web

02/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95829	Web

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30338	Web

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95834	Web

01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77064	Phone

01/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85139	Web

01/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75287	Web

01/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75287	Web

01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60605	Web

01/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91107	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08010	Web

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75089	Web

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75089	Web

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75089	Web

01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44137	Web

01/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93458	Web

12/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70815	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92543	Web

12/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web

12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 766XX	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30093	Web

11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30064	Web

11/10/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77493	Web

10/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MS 39421	Web	Servicemember

10/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76247	Web

10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32955	Web	Servicemember

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78572	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92801	Postal mail

09/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76063	Web

09/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72018	Web

09/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32612	Web

09/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30260	Web

09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75038	Web

08/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29040	Web

08/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19149	Web

08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78664	Web	Servicemember

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94087	Web

08/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76112	Web

08/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76112	Web

08/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75149	Web

07/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29379	Web

07/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63103	Web

07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77014	Web

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76112	Web

06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39581	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93906	Web

05/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76123	Web

05/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78746	Web

05/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77545	Web	Servicemember

05/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76053	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19701	Phone

05/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39730	Web

05/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30096	Web

04/29/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web

04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29624	Web

04/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46240	Web

04/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75093	Web

04/18/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IN 46240	Web

04/15/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	SC 29624	Web

04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93711	Web

04/10/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 65809	Web

04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78644	Web

04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77077	Web

03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76549	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77375	Web

03/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91776	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77072	Web

03/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76053	Web	Servicemember

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94111	Web

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90262	Web

02/25/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 78741	Web	Servicemember

02/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75211	Web

02/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70607	Web

02/11/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33035	Web

02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44123	Phone

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28472	Web

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74133	Web

01/16/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92264	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29720	Web

01/05/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75054	Web

12/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93704	Phone

12/29/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94605	Web

12/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44805	Web

12/29/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 76542	Web	Servicemember

12/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

12/17/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19809	Web

12/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89110	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70510	Web

12/07/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 45240	Web

11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43231	Web

11/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 45662	Web	Servicemember

11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78043	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92276	Web

11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76063	Web

10/29/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OH 44137	Web

10/21/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 61401	Phone

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30253	Web

10/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35405	Web

10/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49503	Web

09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32726	Web

09/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

09/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35040	Web

09/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 38305	Web

09/06/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77479	Web

09/05/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IL 60827	Web

09/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75089	Web

09/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92658	Phone

08/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Web

08/22/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77531	Web	Servicemember

08/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78566	Web

08/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30083	Web

07/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78566	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30084	Web

07/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70802	Web

07/20/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 45240	Web

07/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Referral

07/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Referral

07/14/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Referral

07/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29048	Web

07/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19140	Web

07/09/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	ID 83646	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70506	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78521	Web

07/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77584	Web

07/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	HI 96789	Web

07/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29687	Web

06/29/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 45240	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29607	Referral

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77469	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91504	Web

06/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30092	Web

06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90502	Web

06/08/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20852	Web

06/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44485	Web

06/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77845	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43608	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28451	Web

06/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75181	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 37919	Web	Servicemember

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29607	Phone

06/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77429	Web

05/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75065	Web

05/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32805	Web

05/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30214	Web	Servicemember

05/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77014	Web	Servicemember

05/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

05/17/2021	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MO 64151	Web

05/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46225	Referral

05/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77568	Fax

05/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19460	Web

05/07/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30016	Web

05/04/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95660	Web

05/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

05/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29209	Web	Servicemember

05/03/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 64151	Phone

04/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web

04/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93041	Web

04/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33144	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70118	Web

04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92883	Web

04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32818	Web

04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web

04/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89121	Web

04/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31905	Web

03/24/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

03/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	LA 70811	Web

03/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NY 11552	Web

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19126	Web

03/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77040	Web

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13790	Web

03/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30032	Web

03/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43613	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15217	Web

03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33637	Web

02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web

02/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93584	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30318	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38127	Web

01/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web

01/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19131	Web

12/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30294	Web

11/23/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 31909	Web	Servicemember

11/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19138	Fax

11/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19151	Web

10/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15658	Postal mail

10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47130	Web

10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11722	Web

09/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21144	Referral

09/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	KY 42103	Phone	Older American

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33634	Web

09/15/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30096	Web

09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44146	Web

09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92261	Phone	Servicemember

08/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33634	Postal mail

08/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

08/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07109	Referral

08/01/2020	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 32505	Web

07/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20716	Web

07/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48076	Web

07/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web	Servicemember

07/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29527	Web

07/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90250	Referral

07/04/2020	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 30291	Web

06/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70535	Web	Servicemember

06/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33993	Web

05/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85035	Web

05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76542	Web	Servicemember

05/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76542	Web	Servicemember

05/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11385	Postal mail

05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11385	Referral

05/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33916	Web

05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89081	Web	Servicemember

05/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33415	Web

05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34984	Web	Servicemember

04/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

04/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78641	Web

04/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30040	Web

03/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19144	Web

03/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36744	Web

03/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21917	Web

03/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32303	Web

03/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32303	Web

03/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35814	Web

02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95973	Web

12/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33304	Web

12/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31054	Web

12/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44134	Web

12/04/2019	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29621	Web

11/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30269	Web

11/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18443	Web

10/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19145	Web

09/08/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37914	Web

08/09/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19125	Web

07/09/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29678	Postal mail

07/05/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33647	Web

07/03/2019	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70116	Phone

06/28/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18414	Web

06/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 08759	Postal mail

05/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 50325	Web

04/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33810	Web

04/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36108	Web

04/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32256	Web

03/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75002	Web

02/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23666	Web

01/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 91709	Web

12/27/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19342	Web

11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72335	Phone

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44130	Web

08/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30168	Referral

08/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78596	Web

12/10/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 32137	Web

07/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30066	Web

07/02/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60108	Web

07/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27801	Web

01/23/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76065	Web

01/16/2017	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	AL 36117	Web

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Web

11/23/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 12751	Web

11/18/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	WA 98335	Web	Servicemember

11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Web

08/03/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48170	Web

04/15/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	SC 29204	Postal mail	Older American

03/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	PA 19141	Postal mail