Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio (FL)

On XX/XX/XXXX I received a credit alert from XXXX XXXX XXXX XXXX XXXX had XXXX XXXX points off of my credit score. I logged into my Credit Wise/Capital XXXX account, clicked on Alerts and XXXX Credit Report to find that a company named Vance and Huffman LLC reported a " New Account '', Age of Account 0 Years, 1 Months, COLLECTION/CHARGEOFF Other {$720.00}, Date Reported XX/XX/XXXX, Original Lender XXXX XXXX FINANCE SURGE, Highest Balance {$720.00}. Vance and Huffman LLC gave no account number associated with their attempt nor credit limit. I have no idea who Vance and Huffman LLC are, but I disputed with XXXX and XXXX as it was reported to both collection reporting agencies the Vance and Huffman LLC collection attempt as fraud and further repeatedly requested that XXXX restore the XXXX points that they had removed from my XXXX XXXX. The " XXXX XXXX FINANCE SURGE '' that Vance and Huffman LLC reported as a " New Account '', {$720.00} is on my credit report is actually due to be REMOVED ENTIRELY FROM MY CREDIT REPORT ON XX/XX/XXXX, XXXX XXXX CO, {$0.00} ( {$0.00} Balance ), COLLECTION/CHARGEOFF, Credit Cards XXXX XXXX Account Opened XX/XX/XXXX, Date Account Closed XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Payment XX/XX/XXXX. Vance and Huffman LLC reported a CHARGEOFF from a XXXX account with a {$0.00} balance set to be totally deleted from my credit report on XX/XX/XXXX as a " New Account '', 0 Years, 1 Months, {$720.00} and no account information which is fraud all the way around. The gentleman from XXXX whom I went round and round with eventually told me that they would remove it from my XXXX credit report in two days and restore the XXXX points that XXXX had taken off of my credit score. This DID NOT HAPPEN. When I telephoned XXXX back and spoke with other Representatives I was told that they have their own process, they are not like the other credit reporting agencies and that I would have to wait out the 30 day process. I had reached out to XXXX after my initial telephone call to XXXX, the Representative immediately recognized Vance and Huffman LLC as trying to commit fraud and was able to have Vance and Huffman LLC removed from my XXXX Credit Report in days as she stated as well that the XXXX XXXX Surge Chargeoff of {$0.00} was already XXXX XXXX XXXX and set to be totally removed from my credit report on XX/XX/XXXX. I have had continual issues with XXXX for years refusing to remove disputed accounts on my XXXX credit report for years and accounts, names and telephone numbers that were not mine. I repeatedly asked XXXX XXXX don't you even look at the names as at XXXX point there were several names on my account and a hotel. I have been told repeatedly by XXXX XXXX, no, we just go by what's reported to us. As I've had my identity stolen at times in the past and apparently other individuals were using my Social Security Number I had set up fraud alerts and credit alerts with a few different companies, XXXX XXXX XXXX XXXX XXXX of them and that's how I was informed of the Vance and Huffman XXXX XXXX XXXX Vance and Huffman LLC needs to be removed from my XXXX credit report, XXXX needs to restore the XXXX points back to my XXXX XXXX and Vance and Huffman LLC needs to be reported for fraud. As I had never heard of Vance and Huffman LLC I Googled the name and saw countless complaints online as well as with the XXXX XXXX XXXX of Vance and Huffman LLC trying to collect debt that individuals don't owe, that it just pops up on their credit reports like it did with mine, that they are trying to collect on debts that have a {$0.00} balance, have been closed many, many years ago or have already been paid off. Vance and Huffman LLC has an incredibly horrific reputation online.