Consumer complaint received 2024-11-05 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: Penn Credit Corporation
State: MI

Complaint narrative:
This complaint is in regards to Penn Credit Corporation. I was sent an notification about this said debt and I responded to the letter requesting them to validate this said debt. I had until XX/XX/2024 to respond and I responded in the allotted time. The items that I requested were the name and address of the creditor to whom the debt is currently owed, account number used by that creditor. I asked them to provide me a copy of the written agreement that created my original agreement to pay. 

Provide verification and documentation about why this is a debt that I am required to pay. A copy of the last billing statement sent to me by the original creditor, state the amount of the debt when you obtained it and when that was. If you are contacting me outside of my state does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name address and telephone number of the state agency issuing the license. 

I didn't receive those items and Penn Credit Corporation did receive the letter on XX/XX/2024 by XXXX XXXX certified mail so they can not say that they never received it. Penn Credit never responded to my letter until XX/XX/2024 that is the date that I received their response in the mail and the package has a postal stamp date of XX/XX/2024 and what I received was not everything that I requested. The only thing that I have received was the account number, name and address of said company. Penn Credit Corporation did not respond within 30 days, if they are telling me in my original letter for this said debt that I have 30 days to respond they are also required to do the same. 

I sent Penn Credit Corporation a response to their letter that I received on XX/XX/2024. My response letter is dated XX/XX/2024 stating that I still have not received everything that I requested from my original letter so I requested copies of any papers with my signature that show I agreed to pay Penn Credit Corporation for this said dept. Proof that you are licensed to collect debts in my state, full accounting by way of GAAP of both accounts receivable and payable. Proof that the statute of limitation has not expired. A statement that you will cease collection efforts until the requested information is provided. If you acquired this debt through assignment please provide documentation that confirms your authority to collect this debt on behalf of the original creditor. I also stated for Penn Credit Corporation to please provide this information within 30 days of receiving this request as required by the Fair Debt Collection Practices Act. I you are unable to validate this debt, I expect you to cease collection efforts immediately and remove any negative reporting from my credit file. 

I still haven't received everything that I requested. Penn Credit Corporation received my letter dated XX/XX/2024 on XX/XX/2024 by way of XXXX XXXX XXXX certified mail so they can not say they didn't receive it. On XX/XX/2024 I received a request for payment letter from Penn Credit Corporation. How can they send me a request for payment letter when they never responded to my original letter within 30 days? Plus they never sent me everything that I requested. Penn Credit Corporation has wrongfully put a collections on my credit report as of XX/XX/2024. 

Penn Credit Corporation sold my information to the credit agencies without my consent so that sounds like identity theft to me. From Penn Credit Corporation actions they are basically telling me that don't care what they have violated and they don't care about what I have been requesting, they will never send me everything that I have requested because they can't so they are just going to do what they want to do, even though they don't have an agreement with my signature saying that I will pay them and they still want me to pay them without Penn Credit Corporation doing what is required.

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