Consumer complaint received 2018-07-20
Company: LTD Financial Services, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I suffer XXXX XXXX XXXX from unwanted XXXX   received in XXXX. This is why everything is in writing. I hope it helps. In addition, my life is hard enough without this company messing the only thing that was good in my life. I lived in an apartment owned by a slumlord. I had bees for months he did not take care of. I called the city ; he slapped an eviction notice on my door. In Michigan, any eviction or non-renewal of a lease within so many days is illegal and called retaliatory eviction. This is important because I sent slumlord ( XXXX XXXX ) 2 court summons by certified mail. I wanted my movers fees back, XXXX XXXX refused both letters. I had no real home or internet for months. I thought XXXX XXXX was gone for good. Until I get an email from XXXX XXXX saying, my score dropped. Now I am angry because I know XXXX sold this debt to LTD Financial. I do not know about any debt. XXXX XXXX never sues me for anything. They had 2 chances to meet me instead XXXX  takes a cheap shot and does the LTD Financial. PLEASE get them off my credit record and out of my life. I am sending docs to verify all. 

Name of Company : LTD Financial and XXXX XXXX PLEASE. 

Please remove LTD Financial from my credit report for the following reason : 1. I have never done business, entered into a financial contract, heard/seen of this company, until I was emailed by XXXX XXXX. I assume LTD Financial is 3rd party creditor for XXXX, the name recognized on report. 
2. XXXX XXXX ( XXXX XXXX ), also listed on report, 1st party collector is the company I rented an apartment from XX/XX/XXXX - XXXX/XXXX/XXXX. I do not owe XXXX money ; therefore, am not paying a company I know nothing about one cent. 

Backstory : XXXX Moved into filthy, old XXXX apartment / Documented on Move-In Inventory & Condition Form. ( attached ) XXXX Emailed management about mice infestation, smoke film, carpet wasnt new ( fraying/separating ) etc. ( attached ) Enclosed are reviews of other tenants and photos of complex. All backup my statement of building in dire need of renovations, dirty, management doesnt take care of, management lies and takes your money etc. 

The worst apartment ( they didnt get back your deposit ) Old and needs renovations Its a bee, spider infested dump XXXX After XXXX failed to properly take care of multiple issues and ignored seriousness of bee infestation, I called City of XXXXXXXX, XXXX XXXX ( f/u email attached ) XXXX Received Notice To Quit and forced to vacate my apartment by XXXX. Any eviction/non-renewal of lease after tenant contacts governmental body / asserts their rights is illegal in Michigan and called, retaliatory eviction.. 


Credit Report Dispute File : XXXX Sent two summons to XXXX to reclaim moving costs etc. XXXX XXXX refused/dodged both. ( attached one copy ) XXXX Sent XXXX/XXXX email requesting the prior tenants checkout inventory list ( third time ). Never received it. I want XXXX to prove damages. I received nothing. 

XXXX Received email from XXXX XXXX inquiring about account added to my credit report. My Good credit takes a nosedive??. 

Disclosure : I suffer severe brain trauma from abuse in XXXX. Therefore, I experience difficulty with memory and cognitive skills. This is why I have everything in email. I do not think I left anything out to sufficiently dispute this, if so, please give me a chance to fix/correct it. 
XXXX XXXX NEVER provided ME a hard copy move out checklist of tenants prior to my tenancy. 
My move-in check list verifies the apartment was dirty/old upon move-in and I questioned the carpet ; whether it was even new in another email?? 
I immediately experienced an infestation of mice who defecated everywhere. 
The money XXXX XXXX claims I owe could have been obtained easily at court. I tried serving XXXX two times. It was dodged. 
XXXX is claiming a debt the was never validated or proven, and not ordered by a judge ( he had the chance, twice ). 
XXXX/XXXX XXXX refused to confront me in court because he : 1. Illegally evicted me 2. Can NOT prove I owe him anything ( b/c I DO NOT ) ** Instead, XXXX XXXX sold this bogus debt to LTD Financial and they MESS UP my entire credit report. Which, I am proud to say  was good until now. I may not have much but I paid my bills on time. PLEASE, PLEASE remove LTD Financial and wash this debt off my report. I do not owe either company one cent. Thank You. 

I will file another claim for XXXX XXXX but it will have all the same documents etc. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation