Consumer complaint received 2019-05-29
Company: Reliant Financial Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the Offices of XXXX XXXX XXXX, XXXX. 

They stated that they had been hired to collect on a {$7800.00} loan having to do with a XXXX XXXX XXXX XXXX with XXXX originating from Gold Acceptance on behalf of XXXX XXXX. The letter from from the law firm stated that if they did n't hear from me with 30 days they would assume the debt was valid and take actions accordingly. 

-- >This debt is not mine. I have NOT done business with Gold Acceptance or XXXX XXXX. I have NEVER owned a XXXX XXXX XXXX. Yes, they had my address but they were writing to someone else ( that did n't even have my identical name ) .< -- I promptly ( the next business day ) called the law firm ( at XXXX ) to tell them that they had the wrong person and XXXX please disassociate my address from their dealings with those companies and that car. 

The first person ( only willing to identify himself as " XXXX '' ) attempting to summarily dismiss me asked if there was anything else he do. I did not hear him type one stroke onto a keyboard. He did not have enough identification from me ( although he attempted to take my social security number and said we has recording the phone number I was calling from ). Why would n't he just take the file number off the letter I was offering him? He kept asserting that I was the debtor, that he did n't have any proof I was n't the debtor ( even though we would n't take what I was offering him, and that the correct debtors call them all the time pretending to not be who they are. He refused to answer my questions or give me any degree of certainty that I would not be contacted again. 

I have a perfect credit score and afraid that this firm is going to continue to harass me for a loan and nothing to do with. 

XXXX XXXX, the next person I talked to refused to give me any verification that the calls I had placed ever existed. A ticket number. A receipt. A procedure. Something that would document that these calls had been placed. Giving him plausible deniability? He first said that he did n't have to because I was n't a law firm then denied that he said that then said that he was prohibited from communicating with me. ... yet his firm wrote me and he was TALKING to me as he said he was n't legally able to.

Obviously this firm is predatory, willing to get a buck from whomever they can with no regard for collecting from the proper individual. If that was my car how come my name had never been filed for the tabs or the license for that car? Do they have the right to shake down every tree that happens to be XXXX or XXXX XXXX until they get one that is clueless or helpless enough to be victimized?

I am not their mark. All they had to do was tell me they knew I was n't their guy and give me some kind of memento of the occasion ( for my use in future legal proceedings ). But they apparently were very eager to preserve their anonymity ( /lack of involvement ) and therefore reserve the right to keep communicating with me off the record?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation