Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
Subject : Cease and Desist Request for Deletion of Collection Account # XXXX Dear OPPLOANS/XXXX I am writing to formally demand that you immediately cease all reporting of the collection account associated with my name on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ) and the rights granted to me under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Upon review of my credit report, I have found your company reporting a collection account that I believe is either inaccurate, unverifiable, or incomplete. Under the FCRA, it is your obligation to ensure that all information you furnish to credit reporting agencies is both accurate and fully substantiated. If you are unable to meet this burden, you must delete the entry immediately.

Should you fail to cease reporting this account, I am invoking my right under 15 U.S. Code 1692g ( b ) to request proper validation and verification of the alleged debt. This validation must include clear evidence establishing my legal obligation to this debt, as well as proof that you have the authority to collect on it. 

To facilitate this process, I demand that you provide the following documents within 10 days of receipt of this letter : 1. A copy of the original contract or agreement bearing my signature that gave rise to the alleged debt.

2. A complete and itemized account statement showing the alleged debt 's origin, calculation of the amount, and any fees or interest assessed.

3. Proof of ownership or assignment of the debt to your company, including the chain of custody from the original creditor to your agency.

4. The date of last activity on the account, as reported to credit bureaus.

5. Verification that the account details, including my personal identifying information, match your records accurately.

6. Any correspondence, agreements, or notices demonstrating that I was informed of and consented to the debt.

Until all documentation requested above is provided in full, I demand the following actions be taken : 1. Cease all reporting of the alleged debt to any consumer reporting agency under your obligation to report only verified information under the FCRA.

2. Notify me in writing within 10 days that this account has been deleted from all credit reporting agencies records. 

Failure to comply with these requests constitutes a violation of the FCRA and FDCPA and may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies. Additionally, I reserve the right to pursue legal remedies to protect my rights and seek damages for violations of federal law.

Let this serve as your formal notice under the FDCPAs cease and desist provisions to restrict all future communications regarding this matter to written correspondence sent to my address on file. Any continued reporting or contact without validation of this account will be interpreted as harassment and a willful violation of federal consumer protection laws.

Thank you for your immediate attention to this matter. I trust you will act promptly to ensure compliance with your legal obligations and resolve this matter swiftly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan [ XXXX ]

Company response to consumer: Closed with explanation