Consumer complaint received 2023-07-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION (CA)

OPORTUNPROG contacted me attempting to collect on a debt I do not owe them. When they called me attempting to collect this debt I explained to them I never agreed or signed any contract with them that obligates me to this debt. They then stated they would keep contacting me to receive what was owed to them. After contacting me, COPORTUNPROG did not send me a debt validation notice to alert me about my right to request proof that a debt is valid or dispute the debt, which is required by debt collectors. After the constant calls I reached out for legal advice and they advised I send them a letter asking for validation of this debt which I did and they never responded. Since they never supplied me with sufficient evidence I know this debt does not belong to me.I have attached the debt validation letter I sent to OPORTUNPROG. OPORTUNPROG as a debt collection agency did not due their due diligence in making sure this debt was accurate and obligated to me before deciding to furnish inaccurate information on my consumers report. I never gave them consent to furnish anything on my consumers report, especially incorrect information that can hurt my consumers credit worthiness. Not only did OPORTUNPROG not conduct a proper investigation to Make sure this debt was obligated to me they are now choosing to furnish multiple inaccuracies within this account to the CREDITORS BUREAUS. CFPB requires debt collectors furnish accurate information on consumers reports and OPORTUNPROG is doing the complete opposite. OPORTUNPROG is in violation of 12 CFR 1022.41 ( a ) and 12 CFR 1022.41 ( d ) 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

They are in direct violation of this code because I am not the consumer who owes this debt, I have know clue who they were in agreement with but its is not me! They are mishandling disputes in this company!

They have not handled this debt correctly nor with accuracy or integrity as 12 CFR 1022.41 ( d ) states it should be handled.12 CFR 1022.41 ( d ) states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

OPORTUNPROG is in direct violation of this code and many more, Not only is this account not supposed to be being furnished on my consumers report they are reporting different/inaccurate information to all credit bureaus. I have attached an image to this complaint which I have highlighted that shows multiple inaccuracies being reported to the credit bureau. Since OPORTUNPROG has decided to furnish inaccurate information on my consumers report I am not being denied housing, work oppurtunies and being told my credit worthiness is not good. I am on the verge ion being homeless since I cant be approved for housing. I have a child I solely provide for and cant provide for her properly because OPORTUNPROG is actively choosing to furnish inaccurate information to the credit bureaus.