Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Validify, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX preyed on me when I was on XXXX XXXX  state XXXX due to a XXXX injury. I believe they obtained my credit information from my state XXXX claim or state workers compensation claim. Either way, Fresh Start preyed on me when I was vulnerable, but I recovered now, and I see ways they continue to preditorily leave negative remarks on my credit that are hindering my growth, career, and integrity as a consumer. XXXX XXXX XXXX XXXX began mailing me letters asking me to contact them to find out how they could assist me as professional financial consultants that could to help me make XXXX monthly payment to an escrow account and theyd make regular monthly payments to my creditors while I recovered. They asked if I had hardships I experienced an injury and divorce and sold this as a good idea to help me stress less about bills and focus on recovering and getting back to work. A man named XXXX XXXX called me and went over my accounts, enrolled store accounts XXXX, XXXX XXXX, XXXX XXXX. He said XXXX be happy to know I was responsible and anytime they called me I could let them know I had support. XXXX XXXX asked me to sign a note and mail it back to them. I was not aware IT WAS A POWER OF ATTORNEY. After they received the note, XXXX called to inform me that XXXX XXXX XXXX XXXX was changing names to XXXX XXXX and my new counselors name was XXXX XXXX who began calling me acting sympathetic to my daily stress and told me to ignore all the letters. Now, months later, I began getting served at my home, XXXX  from XXXX XXXX suing me for the full amount. At this point I had paid XXXX XXXX over {$XXXX}. I notified XXXX XXXX and she acted confused. Once I start speaking with XXXX to tell them what happened, I was not aware they purchased my debt from XXXX XXXX and XXXX XXXX, but in good faith, during XXXX, I negotiated a settlement for both XXXX, XXXX XXXX, and XXXX XXXX. I receive a letter stating I have a XXXX balance ( still unaware they illegally obtained my debt ). Now years later, XXXX XXXX continued to falsely report delinquent debt I do not owe because they said I signed A POWER OF ATTORNEY. Funny how all of this sold to them by XXXX XXXX. I have all my documentation. All the emails. Even the power of attorney. I have a XXXX XXXX XXXX and cant qualify for a simple auto loan with who? XXXX  XXXX auto finance? Why? Reports of a serious delinquency? They owned my debt and unfairly sold my credit accounts to a criminal organization and are STILL trying to pin this on me to get my money! But funny enough they wont release my credit accounts back to the open market. I want to request an investigation. I want to follow XXXX XXXX because XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and this unknown XXXX XXXX XXXX XXXX may still be doing this to others. Its a cycle you cant get out of and then guess what, the attorney had no CA XXXX ID, but can help you file XXXX. See the cycle works? California consumers must be warned and aware. XXXX XXXX is a predatory lender, they are vicious cycle and will burn you for life intentionally.

Company response to consumer: Untimely response