Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC
State: OH

Complaint narrative:
CFPB Complaint Fraudulent Debt Collection, Contract Violations, and Unauthorized Use of Identity Theft Reporting Company : XXXX XXXX ( XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Consumer : Art XXXX Date of Agreement : XX/XX/XXXX Total Paid : {$3000.00} Issue Type : XXXX Collection, XXXX XXXX XXXX XXXX XXXX, Unauthorized Identity Theft Filing Complaint Summary : I am filing this complaint against XXXX XXXX / XXXX for : Unlawful debt collection practices based on an invalid service agreement, Misuse of federal identity theft reporting mechanisms ( FTC ID Theft Affidavit ), Threats to furnish inaccurate and non-credit debt to consumer reporting agencies XXXX XXXX XXXX XXXX XXXX And violations of both FCRA, FDCPA, and XXXX XXXX standards. 



Background : On XX/XX/XXXX, I entered into a XXXX XXXX agreement with XXXX XXXX XXXX XXXX brand XXXX. 

This was a service contract, not a credit instrument no loan, line of credit, revolving account, or consumer financing was provided. The services were to include XXXX inquiry removals, XXXX item disputes, and the addition of tradelines. 

I paid a total of {$3000.00} under the agreement. However, the contract : XXXX the Service Terms section blank ; Contained no measurable deliverables or timeframes ; Offered no dispute, refund, or cancellation procedures ; Contained vague and coercive fee language such as an automatic {$500.00} collection fee for breach. 

After a few weeks, I stopped receiving updates or service reports. By verbal agreement, I terminated the relationship due to nonperformance. No results were delivered. 



Violations : XXXX. False or Misleading Threats to Report Non-Credit Debt ( FCRA XXXX XXXX XXXX Violations ) In XX/XX/XXXX, I received XXXX  emails from the company claiming they would : Report my remaining balance to XXXX XXXX ; Take legal action if I did not pay. 

This debt is based on a XXXX  contractual service, not a credit extension. Under FCRA ( XXXX XXXX. XXXX ) and XXXX XXXX XXXX only consumer credit obligations XXXX be reported. 

No DOFD, no XXXX XXXX structure, and no consumer disclosure was provided to authorize such reporting. 

XXXX. Fraudulent Use of Identity Theft Reporting Tools ( FTC Affidavit Misuse ) A XXXX XXXX XXXX contacted me by phone and requested that I forward a verification code sent to my phone. Believing it was for access to my credit file, I complied. 

Later, XXXX XXXX called me, asking if I had submitted an FTC Identity Theft Report regarding a previously XXXX  account. 

I had not. It became clear that XXXX XXXX submitted a federal Identity Theft Report using my name and credentials without my knowledge or consent, falsely labeling the XXXX account as fraudulent. 

This action is an extremely serious XXXX of federal resources, and could constitute identity fraud. 

XXXX. Unlawful and XXXX  Debt Collection ( FDCPA Violations ) Starting in XX/XX/XXXX, I began receiving calls and messages from various collection agencies stating they were attempting to collect the remaining balance owed under the XXXX XXXX. 
I was never provided debt validation ; I was not informed in writing of my right to dispute the debt ; The debt is based on an unenforceable and vague contract ; The company and XXXX used false and misleading representations in violation of XXXX U.S.C. XXXX. 
XXXX of Personal Information in Contract ( DOB Discrepancy ) Additionally, the contract provided by XXXX XXXX XXXX XXXX incorrect date of birth that does not match my actual date of birth. My real date of birth is XX/XX/XXXX, whereas the contract reflects a different and incorrect XXXX. This further undermines the validity of the agreement and raises concerns about the integrity of the documentation. It is unclear whether this discrepancy was due to XXXX or intentional misrepresentation, but it reinforces the broader issue of the company handling sensitive personal information in a reckless and unverified manner. 

Such a mistake in a contract involving identity-sensitive services raises red flags under both FCRA and identity protection standards, especially in light of the unauthorized identity theft report later filed in my name. 

I respectfully ask the CFPB to : XXXX. XXXX XXXX XXXX / XXXX for : Violations of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX and deceptive collection under FDCPA ; Misuse of the FTC Identity Theft Reporting system. 
XXXX. Instruct the company and all associated collection agents to cease all attempts to collect or report this alleged debt. 
XXXX that no trade lines or collections accounts related to this XXXX contract are reported to any XXXX XXXX XXXX

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