Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (WA)

XXXX XXXX and

OPP Loans have fraudulently issued statements of Deficiencies to borrowers credit profile. See the attached proof of payments received by OPP Loans. Opp Loans received the final payment under our Satisfied Agreement ( attached ) on XX/XX/XXXX and Payment Cleared on XX/XX/XXXX. OPP Loans accessed my credit profile under non-permissible circumstances and fraudulently furnished CHARGE-Off reporting with Full knowledge they were false.

Opp Loans has been unable to provide proof of their false claims due to their inability to substantiate the their fraud.

Consumer DEMANDS that Account # XXXX be Deleted Immediately as OPP Loans and XXXX XXXX are not creditable. 



RE : COMPLAINT ID XXXX RE : Account # XXXX Borrower : XXXX XXXX ( formerly XXXX  ) Please see the below email string and attached : As I have stated, OPP Loans is fraudulently reporting to my credit profile. As it stands, Opp Loans has the burden of proof to validate debt. The plaintiff the creditor or debt buyer ALWAYS has the burden of proof in a debt collection case.

Consumer Previously Disclosed- All evidence provided by XXXX XXXX XXXX contradicts OPP Loans assertion of misinformation.

Consumer Previously Disclosed -All evidence attached proves FCRA violations against XXXX XXXX XXXX , All evidence demonstrates Opp Loans has inadequate compliance practices.

Consumer Previously Disclosed- All evidence suggests the OPP Loans lacks fundamental integrity, encourages incompetence, and unlawful interference amongst their employees. 

XXXX XXXX XXXX XXXX have certified by way of OPP Loans XXXX XXXX XXXX credit report is accurate. Consumer has never been provided with validation disclosures. Based on OPP Loans inconsistent account records, CRAs certifications would affirm proof validation by OPP Loans has been provided to CRAs that discredits evidence provided by consumer, XXXX XXXX. 

As OPP Loans carries proof of burden, its obvious the debt accumulated according to OPP Loans requires corroboration. OPP Loans records retention practices are unreliable, and due to their fiduciary responsibility to protect consumers CRAs must investigate and request Creditors Prove Accurate Reporting or Delete Fraudulent Reporting.

Consumer has an active dispute open with XXXX and XXXX. Opportunity Financial IS REQUIRED to provide the below documentation/ evidence that supports OPP Loans claims of deficiencies and declarations of accuracy. 

If OPP Loans fails to provide required documentation under FCRA disclosure pertaining to credit disputes, CRAs must delete.

Request for Production : OPP Loan Account Reconciliation Validation OPP Loans -PROVIDE EVIDENCE, that validated Account # XXXX was not closed XX/XX/XXXX as stated in XX/XX/XXXX Paid in Full Letter. 

OPP Loans- PROVIDE EVIDENCE, that the Federal Bankruptcy Court has granted OPP Loans the exception to neglect to report as included in XXXX  XXXX bankruptcy PROVIDE EVIDENCE, that OPP Loans contractual obligations supersede the Federal Government Order under Bankruptcy Protection Act.

OPP Loans- PROVIDE EVIDENCE, that the Federal Bankruptcy Court has agreed that OPP Loans fiduciary duties are not required within FCRA dispute resolution guidelines OPP Loans- PROVIDE EVIDENCE, that the FCRA has granted OPP Loans the exception to neglect to report as included in XXXX  XXXX bankruptcy OPP Loans- PROVIDE EVIDENCE, that under Cares Act, Account # XXXX and Opp Loans are exempt to adherence. PROVIDE EVIDENCE, all credit reports from XXXX XXXX ( attached ) are invalid and XX/XX/XXXX is not the valid account # XXXX closed date. 


OPP Loans- PROVIDE EVIDENCE, the XX/XX/XXXX contract signed by XXXX XXXX ( OPP Loans Employee ) was voided and Account # XXXX Was charged-Off in XX/XX/XXXX and closed in XX/XX/XXXX. 

OPP Loans- PROVIDE EVIDENCE, of the DATES w/ TIME STAMP of payment RECEIVED under renewed contract said for Account # XXXX. PROVIDE EVIDENCE, when payments were allocated to Account # XXXX PROVIDE EVIDENCE, What is the difference between XXXX XXXX reconciliation and XXXX reconciliation