Consumer complaint received 2021-05-27
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/XXXX, I received a Dunning Letter from Deville Asset Management, Limited, which I did not respond to. The letter informed me they had purchased my personal information from XXXX, XXXX and XXXX XXXX Bank, violating 15 USC 6802 and 6821 punishable by criminal and civil penalties. 

In XXXX of XXXX, I notice Deville Asset Management, Limited report an inaccurate account on my credit report. On XX/XX/XXXX, I submitted a dispute for the removal of this erroneous account. XXXX responded on XX/XX/XXXX, as Verified and did not list account as disputed. In XX/XX/XXXX, I submitted a dispute to deville and CFPB complaint to remove this erroneous account. 

In response to my dispute, I received a Letter Dated XX/XX/XXXX, from Deville Asset Management, Limited continuing to collect on this assumed debt. Deville Asset Management, Limited did not report on the XXXX credit file that this account was in dispute as of XX/XX/XXXX. I continued to dispute this account with XXXX and Deville Asset Management, Limited. 

As of XX/XX/XXXX XXXX and Deville Asset Management, Limited has yet to report this account as disputed. I submitted an Identity Theft Report To XXXX sometime in XXXX or XXXX of XXXX and received another dispute response of accurate on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notice from XXXX that Deville Asset Management, Limited, account had been deleted from XXXX credit file. Deville Asset Management, Limited reported erroneous and inaccurate information on my XXXX Credit file for Ten ( 10 ) months failing to mark this account disputed, never once proving that the information was 100 % accurate, and not having the system in place to prevent errors, 5 Date of deliqueny must report date of last payment, Furnisher required to provide notice to customer before reporting. No written Consent. 

In XX/XX/XXXX, I noticed Deville Asset Management, Limited reporting the same inaccurate account on my XXXX credit report. I immediately submitted the old identity report as a dispute with XXXX. XX/XX/XXXX, I submitted a second dispute to XXXX. On XX/XX/XXXX, XXXX responded as verified and did not list the account as disputed. 

On XX/XX/XXXX, XXXX responded as verified and did not list the account as disputed. XX/XX/XXXX, I submitted a XXXX dispute and file a complaint with the CFPB. XX/XX/XXXX, received results of the 2nd dispute as verified and they did not list the account as disputed. 

On XX/XX/XXXX, XXXX results of XXXX dispute as modified, and Deville Asset Management, Limited ; reaged the account and did not list the account as disputed. XX/XX/XXXX, I disputed directly to Deville Asset Management, Limited ; and mail was returned. On XX/XX/XXXX received results from XXXX that information from Identity Theft was blocked, and Deville Asset Management, Limited ; account was removed from XXXX credit file. Deville Asset Management, Limited 1 reported erroneous and inaccurate information on my XXXX Credit file for five ( 5 ) months failing to mark this account as disputed, never once proving that the information was 100 % accurate, and not having the system in place to prevent errors, date of delisquency must report date of last payment, furnisher required to provide notice to customer before reporting, No written consent.

Company response to consumer: Untimely response