|
11734551
|
2025-01-25
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
|
|
8086199
|
2023-12-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-31
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Item 's Subscriber Number : XXXX To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus. I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation.
This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you.
I request the following information : Clarification on the nature of the debt and the original creditor, XXXX XXXX
An explanation and breakdown of how the alleged debt was calculated.
Copies of any documents demonstrating my agreement to pay the alleged debt.
Verification or a copy of any judgment if applicable.
Proof that the Statute of Limitations has not expired on this account.
Confirmation of your licensing to collect in the state of New York.
Provide license numbers and the XXXX XXXX or XXXX of XXXX.
I dispute this debt, and until such time as the requested information is provided, all collection activities must cease.
Additionally, I would like to bring to your attention that if XXXX XXXX XXXX or any affiliated company reports invalidated information to any of the major Credit Bureaus XXXX XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences.
If XXXX XXXX XXXX fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately.
During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by XXXX.
I trust that XXXX XXXX XXXX will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5706220
|
2022-06-24
|
Problem with a credit reporting company's investigation into an existing problem
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Installment loan
|
| Date Received |
2022-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-24
|
| Complaint What Happened |
They canceled my automatic payments without my authorization. which is now showing late payments on my credit report. I called and they waived all fees but didn't report my account as paid on time and delete the late payments from my report. TECHNICALLY THEY IS NO LATE PAYMENTS ON MY ACCOUNT IF THE FEES WERE WAIVED FROM THEIR MISTAKE.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6908251
|
2023-04-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-29
|
| Complaint What Happened |
As of XX/XX/29 this account American first finance an XXXX is reporting as a auto loan Ive disputed this account with the credit bureaus and company repeatedly with there investigation this account remains unchanged and verified with the company after being disputed I HAVE NEVER had a auto loan ever! And explain this to the company and they refused to removed this account for falsely reporting inaccurate information
|
| Consumer Consent Provided |
Consent provided
|
|
|
10909094
|
2024-11-23
|
Problem with the payoff process at the end of the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with the payoff process at the end of the loan
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Payday loan
|
| Date Received |
2024-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-24
|
| Complaint What Happened |
I got a loan with American First Finance in XXXX XXXX worth XXXX dollars taking the 100-day early payment payment, paying XXXX weeks with automatic charges. Today XXXX I just received an email saying that my 100-day payments end on XXXX and that I still have a balance of $ XXXX to pay if I do not comply with the contract, I will go to the 12-month program paying the same XXXX my debt will rise to a total of XXXX dollars. I have already paid 16 installments with a total of XXXX I am missing XXXX dollars to fulfill the lease, I would be missing one * installments + XXXX And they say it is $XXXX THIS IS AN ABUSE THAT THESE FINANCIAL INSTITUTIONS ARE DOING. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10766162
|
2024-11-13
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the reporting of the charge-off account associated with XXXX on my credit report. Under the Fair 1 Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i 1| ( Reinvestigation of Disputed Information ), and 15 U.S.C . 1681s-21 ( Responsibilities of Furnishers of Information ), lam entitled to request and 1 receive complete and accurate documentation to verify the accuracy and legality of this account 's reporting. Additionally, under New York State Debt Collection Procedures Law ( NY CLS Gen. Bus. 600 ) law 1 I am requesting proper validation of this debt. I would like to highlight several cases that affirm my right to dispute this 1 information and request accurate reporting. In Cyshman.v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court emphasized the duty of credit 1 reporting agencies and furnishers to ensure the accuracy.of the information reported on consumers ' credit reports. Furthermore, Johnson.v.MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) reinforces the requirement that furnishers conduct proper investigations into disputes and 1 verify the accuracy of their reporting. To properly validate this account, I am requesting the following : 1| 1. Authenticated Double-Entry Accounting Records-1 am-requesting. full double-entry-accounting-records-for-the-account mentioned. This shouldinclude adetailed breakdown-that-shows-how-all transactions were debited and credited, ensuring-compliance with standard1 accounting principles. Please note that-l do not wish to receive a simple- list of-charges or statements. l-expect-authenticated evidence-of-the-debt. The court-ruling-in Chaudhry v. Gallerizza : 174 F.3d 394 ( 4th Cir. 1999 ) 1 held that -mere conclusory-statements-from debt collectors-or creditors-do not satisfy the validation requirement. Only authenticated and verified 1 documentation proving the validity of the debt is acceptable. 2. Authenticated Evidence Based on New York State Debt Collection Procedures Law NY CLS Gen. Bus. - 600 ) 1 In addition to the accounting records, I-require authenticated evidence, in 1 compliance with New York State Debt Collection Procedures Law ( NY CLS Gen. Bus. 600 ) law law. ( specific code if available ), that yout have-the-legal right to report and collect-this debt. This-includes originall signed contracts or agreements- that-show-my obligation to pay the debt and-your-legal-right : to enforce-collection and report-it-to-credit-bureaus. - Without this evidence, the continued-reporting-of-this-debt-may-constitute-af violation of both federal and state consumer-protection laws. In Spears v. Brennan, 745-N.E.2d 862 ( Ind. Ct. App. 2001 ) -, the court held 1 that creditors must produce original signed documentation to prove the validity of a debt. Failing to provide this evidence may result in a violation of l both state and federal consumer protection laws. I 3. - 1099-C- Form 1| - If this debt-has been forgiven, canceled, or settled for less than the fullf balance, I-am requesting a copy of the 1099-C- form filed with the IRS, 1 which is required if the amount of canceled debt exceeds {$600.00}. If you-have 1 not provided this documentation, the debt-may.be-considered discharged, l and it should-no-longer be reported-as owed on my-credit report. The IRS has- clearly outlined the requirements for filing-a 1099-C form - under- 26 | discharged or forgiven. If- you have failed to file this form, the continued f reporting of this debt may-be fraudulent. 1l - In the absence of the requested documentation and verifiable evidence, 11 ] request that you immediately delete this account from my credit-report in 1 compliance with the FCRA and-New-York State Debt Collection Procedures Law- ( NY CLS Gen. Bus. -600 ) 1 law. Failure to do so will result 1 in further-action, including filing formal complaints with the Consumer 1 Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce 1 my rights, and submitting a Suspicious Activity Report ( SAR ) to the -IRST for suspicion of fraud. The SAR ( FinCEN Form 111 ) -will-be filed if you continue reporting inaccurate and unverified information without providing the required documentation.. Please respond within 30 days of-receipt-of-this-letter.l-look-forward-to - receiving the required documentation or-confirmation. that-the account has Been deleted
|
| Consumer Consent Provided |
Consent provided
|
|
|
10767398
|
2024-11-13
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
|
|
10562841
|
2024-10-24
|
Problem with the payoff process at the end of the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with the payoff process at the end of the loan
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-10-24
|
| Submitted Via |
Phone
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-24
|
| Consumer Consent Provided |
N/A
|
|
|
4885783
|
2021-11-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-07
|
| Consumer Consent Provided |
Other
|
|
|
9634078
|
2024-07-27
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-27
|
| Complaint What Happened |
I am to formally express my concern regarding a recent experience I had with XXXX XXXX. I was under the impression that the services provided to me would be covered by my insurance, as confirmed by XXXX XXXX, who assured me that all bills would be forwarded to my insurance provider.
However, despite this assurance, my insurance has declined coverage for the services rendered during my extended treatment, which was initiated based on the understanding that I would not be held responsible for these charges. This situation has placed me in a difficult position, as I had relied on the commitment made by your office.
I would appreciate your prompt attention to this matter and hope we can resolve it amicably. Please advise on how we can proceed to address the discrepancy between the information I received and the subsequent denial from my insurance.
Then the 3rd Party company responded back with this communication : Hi XXXX XXXX XXXX, We at XXXX are reaching out to you regarding your XXXX XXXX Contract ID : XXXX.
We have repeatedly requested payments for your overdue contract with XXXX XXXX XXXX
We might file a lawsuit against you for the above mentioned debt, it is hopeful that a mutually accepted resolution outside of a public filed litigation can be achieved. It is in the best interest of both parties to resolve this matter as soon as possible.
We are even ready to offer you a settlement deal with a huge discount to further close this contract and moreover we will help to remove all negative reporting from the credit reports for this contract.
Your total balance remaining on your contract is {$2000.00}, however we are ready to settle this for {$1500.00} However, in the absence of a reply from you, We might be forced to forward this to our legal team to initiate legal proceedings against you to recover this debt and update as refusal to pay to Credit bureaus.
Looking forward to hearing from you positively as soon as possible!
Please reply here or contact XXXX XXXX at ( XXXX ) XXXX between XXXX XXXX XXXX XXXX XXXX XXXX
Thanks and Regards,
|
| Consumer Consent Provided |
Consent provided
|
|
|
7739713
|
2023-10-22
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7320759
|
2023-07-28
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2023-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7028355
|
2023-05-25
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2023-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7117717
|
2023-06-14
|
Incorrect information on your report
|
Checking or savings account
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Checking account
|
| Date Received |
2023-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-14
|
| Complaint What Happened |
Account wont go away
|
| Consumer Consent Provided |
Consent provided
|
|
|
9675716
|
2024-08-01
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4490905
|
2021-06-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2021-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-24
|
| Complaint What Happened |
I am writing to dispute a fraudulent account on my report. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Please investigate this matter and send me a written explanation of your findings and actions.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5006861
|
2021-12-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
American First Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2021-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-14
|
| Complaint What Happened |
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 XXXX XXXX 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. AMERICAN FIRST FINANCE & BAL. {$900.00} 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 with 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 identity theft reports 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
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| Consumer Consent Provided |
Consent provided
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7102323
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2023-06-12
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2023-06-12
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-06-12
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| Complaint What Happened |
I have notify XXXX and the company responsible for reporting these account that they are Fraudulent and they need to delete these account from my credit report : XXXX XXXX XXXX XXXX XXXX and American First Finance
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| Consumer Consent Provided |
Consent provided
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6189559
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2022-11-10
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Improper use of your report
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Credit reporting, credit repair services, or other personal consumer reports
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| Issue |
Improper use of your report
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Credit inquiries on your report that you don't recognize
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| Sub Product |
Credit reporting
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| Date Received |
2022-11-10
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-11-10
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| Consumer Consent Provided |
Consent not provided
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6457517
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2023-01-19
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
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| Sub Product |
Credit reporting
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| Date Received |
2023-01-19
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| Submitted Via |
Web
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| Company Response |
Closed with monetary relief
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-01-19
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| Complaint What Happened |
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from American finance company, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed
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| Consumer Consent Provided |
Consent provided
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6755960
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2023-03-27
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Written notification about debt
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Debt collection
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| Issue |
Written notification about debt
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Debt collection
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| Sub Issue |
Didn't receive notice of right to dispute
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| Sub Product |
I do not know
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| Date Received |
2023-03-27
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-03-27
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| Complaint What Happened |
I didnt receive anything about this debt
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| Consumer Consent Provided |
Consent provided
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3017016
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2018-09-12
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Improper use of your report
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Credit reporting, credit repair services, or other personal consumer reports
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| Issue |
Improper use of your report
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Credit inquiries on your report that you don't recognize
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| Sub Product |
Credit reporting
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| Date Received |
2018-09-12
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-09-12
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| Company Public Response |
Company believes complaint is the result of an isolated error
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| Consumer Consent Provided |
Consent not provided
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4491432
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2021-06-25
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Improper use of your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Improper use of your report
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2021-06-25
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-06-25
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| Consumer Consent Provided |
Consent not provided
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4184449
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2021-03-04
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Debt collection
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| Sub Issue |
Debt was result of identity theft
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| Sub Product |
Credit card debt
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| Date Received |
2021-03-04
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-03-17
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| Consumer Consent Provided |
Consent not provided
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4969458
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2021-12-02
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2021-12-02
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-12-02
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| Consumer Consent Provided |
Consent not provided
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7049116
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2023-05-30
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Problem with the payoff process at the end of the loan
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Payday loan, title loan, or personal loan
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|
| Issue |
Problem with the payoff process at the end of the loan
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Payday loan, title loan, or personal loan
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| Sub Product |
Installment loan
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| Date Received |
2023-05-30
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| Submitted Via |
Phone
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| Company Response |
Closed with monetary relief
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-05-30
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| Consumer Consent Provided |
N/A
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6420071
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2023-01-11
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Debt collection
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| Sub Issue |
Debt is not yours
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| Sub Product |
Auto debt
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| Date Received |
2023-01-11
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-01-11
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| Consumer Consent Provided |
Consent not provided
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9130959
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2024-05-29
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Improper use of your report
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Credit reporting or other personal consumer reports
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|
| Issue |
Improper use of your report
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2024-05-29
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-05-29
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| Consumer Consent Provided |
Consent not provided
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11481655
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2025-01-12
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Incorrect information on your report
|
Credit reporting or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
American First Finance, Inc.
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2025-01-12
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2025-01-12
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| Consumer Consent Provided |
Consent not provided
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