|
6063856
|
2022-10-07
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2022-10-07
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-07
|
| Consumer Consent Provided |
N/A
|
|
|
8954621
|
2024-05-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-05-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-07
|
| Complaint What Happened |
On XX/XX/XXXX, I received a debt collection notice from Accelerated Inventory Management , LLC claiming I owed a debt of XXXX to XXXX XXXX. I disputed the debt with the debt collector on XX/XX/XXXX requesting debt verification. The debt collector failed to provide verification within the allotted time frame.
Due to the lack of debt verification, I was forced to defend myself in court when Accelerated Inventory Management , LLC filed a lawsuit to collect the alleged debt. I appeared in court XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to this matter. In each instance, the case was adjourned because of failure of the petitioner to appear/provide proof of the alledged debt. During the court hearing on XX/XX/XXXX, the judge dismissed the case with prejudice because the debt collector could not provide debt verification.
Since then this account, XXXX XXXX, has riddled my credit report with derogatory marks.
I am filing this complaint with the CFPB to request the following : I request that XXXX XXXX and Accelerated Inventory Management , LLC be ordered to cease all communication attempts regarding this alleged debt. This includes phone calls, letters, and any other form of communication.
I request that XXXX XXXX and Accelerated Inventory Management , LLC be instructed to remove any negative information regarding this debt from my credit report.
I request that XXXX XXXX and Accelerated Inventory Management , LLC be instructed to delete any and all information regarding this alleged debt from my credit report with all three major credit reporting agencies. ( XXXX, XXXX, and XXXX ) Attached is a copy of the court order dismissing the case with prejudice.
The debt collector 's failure to provide debt verification resulted in unnecessary legal action and has negatively impacted my credit report. I kindly request the CFPB to take the necessary steps to ensure XXXX XXXX and Accelerated Inventory Management , LLC ceases all collection attempts and corrects any negative reporting on my credit report.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4472678
|
2021-06-18
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Auto debt
|
| Date Received |
2021-06-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-18
|
| Complaint What Happened |
this debt collection company ( COLLINS ASSET GROUP ) has illegally obtained my information and used It to obtain credit from other Financial institutions without my consent.My consumer rights have been violated, and I want the cfpb to remedy this issue asap. please see all attached documents
|
| Consumer Consent Provided |
Consent provided
|
|
|
8409504
|
2024-02-23
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to arrest you or take you to jail if you do not pay
|
| Sub Product |
I do not know
|
| Date Received |
2024-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-23
|
| Complaint What Happened |
Dear CFPB I am writing to file a formal complaint regarding the unfair debt collection practices employed by XXXX XXXX XXXX as well as their initiation of legal action against me. I believe that their tactics in attempting to collect a debt from me are not only unacceptable but also deeply concerning.
First and foremost, I want to highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which required significant time, resources, and legal representation to fight. Thankfully, I was able to successfully contest these charges and clear my name in XXXX. However, this ordeal has left me financially and emotionally drained, making it even more distressing to be targeted by aggressive debt collection tactics and now facing legal action.
Moreover, I must express my utter disbelief regarding the debt in question. To the best of my knowledge, I have no recollection of ever incurring such a debt, nor have I received any prior communication or documentation regarding it. Therefore, I am deeply troubled by the sudden and relentless pursuit of payment by XXXX XXXX XXXX, especially considering the lack of evidence or verification provided.
Furthermore, it has come to my attention that XXXX XXXX XXXX is pursuing legal action against me in connection with this alleged debt. This legal action only adds to the undue stress and hardship I am already facing, particularly given the circumstances surrounding the XXXX XXXX XXXX I had to overcome.
Additionally, I find it pertinent to mention that the debt in question has been sold to XXXX XXXX XXXXs by XXXX XXXX XXXX, which, to my understanding, consists of two wealthy individuals who may be gaming the system for their financial gain. This raises serious concerns about the integrity of the debt collection process and the motivations behind these actions.
In light of the above, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against XXXX and XXXX XXXX as well as XXXX XXXX XXXX, for their egregious behavior. I trust that your agency will uphold its commitment to protecting consumers from unfair and abusive debt collection practices and ensure that justice is served.
Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8203234
|
2024-01-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-01-22
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1485820
|
2015-07-24
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-07-24
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
5324559
|
2022-03-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-03-15
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-15
|
| Consumer Consent Provided |
N/A
|
|
|
4544292
|
2021-07-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-14
|
| Complaint What Happened |
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5081964
|
2022-01-07
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4441890
|
2021-06-08
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
Auto debt
|
| Date Received |
2021-06-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-08
|
| Complaint What Happened |
I made contact with Collins Asset group regarding a collection on my credit report for a car the was voluntarily repossessed. I made a payment arraignment with this agency to pay down my debt, {$100.00} a month, with the understanding that they report my account is in repayment. The company continually reported the account in collections. I had filed a dispute against the report. I sent emails at the latest on XX/XX/XXXX no longer disputing this account. The company still reported that I am disputing the account. I have spoken to all three credit bureaus and they do not have a dispute on file, except when Collins reports the dispute, it triggers a dispute with the credit bureaus. Collins refuses to change the account to a repayment status, remove the dispute, or report it in adherence to the FCRA. I have spoken to XXXX the Operations Manager at Collins and was told flat out they would not put the account in repayment and nor remove any of the dispute wording being erroneously reported to the credit bureaus. I have emailed this company many times for documentation and have received no correspondence.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4804788
|
2021-10-13
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Auto debt
|
| Date Received |
2021-10-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-25
|
| Complaint What Happened |
Years back, I brought a car from XXXX XXXX, XXXX, located atXXXX XXXX XXXX, XXXX, NY XXXX. The vehicle was financed through XXXX XXXX, XXXX was found to be a predatory lender, and I was part of a complaint filed against them in 2016. XXXX still has outstanding complaints with the XXXX. I was told by XXXX and sent a letter stating that the lone was canceled and that the information would be removed from my credit report, and it was. About two years later, I got a call from someone at Collins Asset Group , Llc, located at XXXX XXXX, XXXX, TX XXXX XXXX When I explained to them that the debt was with XXXX and that the lone had been canceled and I informed them of the ruling, I didn't hear from them. Later I found out Collins Asset Group , Llc reported me the credit agencies. When I contacted a lawyer, I was informed that XXXX XXXX went out of business and that the statute of limitations had run out to collect on this debt. Given all this information, Collins Asset Group , Llc, is still pursuing this debt, and I have written many times asking them to remove the false information from my credit profile. And in a recent phone call, Collins Asset Group , Llc did not inform me that the statute of limitations had run out to collect on this debt and instead tried to get me to agree to a payment agreement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2767051
|
2017-12-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-06
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1866643
|
2016-04-06
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2016-04-06
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
11809810
|
2025-01-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collins Asset Group, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
|
