Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc
State: TX

Complaint narrative:
Ava Finance INC continue to violate my consumer privacy rights, hippa rights, trust relations, disclosure and accounting banking law and regulations. Ava Finance fail to properly disclose all accounting on principal account to consumer/ttee/poa. Ava instead choose to without integrity and not in good faith harm and damage the principal. Below are responses previously provided by Ava Finance INC including claiming they're not a debt collector but states they will no longer try to collect on the debt, written off the debt and will not send any more notices of the debt which all sounds like someone collecting on a debt. They're focusing responses on everything but my claims of damage, harm, deception, breach, identity, risk of privacy, hippa, missing disclosures, failure to provide verification of debt and right to collect, mishandling of account, and more. For Ava Finance negligence, unjust intent to gain and dishonorable way of handling disputes gives me more speculation they have something to hide. So now I want to look at all the accountings, create all the necessary investigations as well as be compensated. Below is the last response to Ava Finance AVA FINANCE RESPONSE Thank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while Ava Financial is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on XXXX XXXX XXXX, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), Ava is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your Ava subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.

Company response to consumer: Closed with explanation