Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Assistance Inc
State: NV

Complaint narrative:
I am submitting a formal complaint against Financial Assistance Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for persistent violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Nevada state law. 

Timeline & Background XX/XX/year> I received the XX/XX/XXXX dated initial contact from Financial Assistance Inc. 
XX/XX/year> : I sent a full, legally compliant debt validation request disputing their claim and requesting documentation. 

XX/XX/XXXX XX/XX/year> : I sent three additional follow-up letters over a 60-day period. All four written notices have been completely ignored. 

Despite this, Financial Assistance Inc. continues to report the debt to credit bureaus without ever marking it as disputed, and has not provided a single required document in response. 

In addition, I have observed the same ( disputed ) debt is listed twice on my credit report once by the alleged original creditor and again by Financial Assistance Inc. This duplication inflates my total amount owed and causes material damage to my credit profile. 

Possible Harassment Through Voicemails Shortly after their initial contact, I began receiving dozens of " ghost '' voicemails from various unidentified or spoofed numbers. These voicemails : Are approximately 2 seconds long Contain no actual voice or identifying information Are consistent with known debt harassment tactics I strongly suspect these calls are linked to Financial Assistance Inc.s campaign to contact me indirectly or intimidate me, without officially identifying themselves. If confirmed, this conduct would violate : FDCPA 1692d ( 5 ) Causing a phone to ring repeatedly or continuously with intent to harass FDCPA 1692d ( 6 ) Failing to meaningfully disclose the caller 's identity I request that the CFPB investigate this behavior as part of their review. 

Legal Violations FDCPA Violations : 1692g ( b ) Failure to validate debt after written dispute 1692e ( 8 ) Not reporting the debt as disputed 1692e ( 2 ) ( A ) False amount reported due to duplication 1692d General harassment and abuse via telephone 1692d ( 5 ) & ( 6 ) Frequent anonymous calls without identifying the caller FCRA Violations : 1681s-2 ( a ) ( 3 ) Failure to mark tradeline as disputed 1681s-2 ( b ) Furnishing data without investigation 1681s-2 ( a ) ( 1 ) ( A ) Providing inaccurate information Nevada State Law Violations : NRS 649.075 Operating as a debt collector without a Nevada license NRS 598.0923 Engaging in deceptive trade practices NRS 649.385 Noncompliance with out-of-state debt collection standards Evidence Provided : XX/XX/year> debt validation letter Screenshot confirming Financial Assistance Inc. is not licensed in Nevada Copies of original collection letter Requested Resolution Immediate removal of this tradeline from all credit reporting agencies Full investigation into their unlicensed collection activities in Nevada Sanctions for failure to validate debt and harassment by phone Referral to state licensing authorities and the FTC for enforcement Cease and desist order against any further phone contact or indirect harassment Monitoring for broader patterns affecting other consumers Thank you for your attention to this matter. I am prepared to escalate through additional regulatory and legal channels if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation