Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LAKE MICHIGAN CREDIT UNION
State: VA

Complaint narrative:
I am submitting this complaint regarding Lake Michigan Credit Union and their alleged assignment of my account to XXXX XXXX XXXX, XXXX, due to ongoing failure to provide requested documentation, conflicting information regarding account handling, and continued reporting of the account without verification. In XX/XX/XXXX, after becoming aware of the account, I contacted Lake Michigan Credit Union by phone to request information and documentation. During this call, I was not provided clear information and was told that the account had been referred to XXXX XXXX XXXX XXXX XXXX. On the same day, I contacted XXXXXXXX XXXX XXXXXXXX directly and was informed that they had no record of any account under my name. I then called Lake Michigan Credit Union back the same day to inform them of this. During that call, I was told that the account may not have been fully transferred, but instead of providing clarification or documentation, I was pressured to provide additional personal information and submit to questioning before they would provide any details. I was told they could not assist me unless I first provided additional information, despite the account being reported under my name. This was after verifying my identity. As a result of this interaction, I sent formal written requests for documentation via certified mail to both Lake Michigan Credit Union and XXXX XXXX XXXX XXXX XXXX. In those letters, I requested a copy of the original signed agreement, a full accounting of the balance, and documentation establishing the authority to collect the debt. I requested that responses be provided in writing via email. I have proof of delivery for both letters. I did not receive any response from either party. Despite this, Lake Michigan Credit Union has continued to report the account monthly as charged off with a balance on my credit reports. In XX/XX/XXXX, I submitted a follow-up written request to Lake Michigan Credit Union through their website requesting documentation and clarification. In response, I was told only that the account is being handled by XXXX XXXX XXXX and was provided a reference number, but no documentation or further explanation was given. Also in XX/XX/XXXX, I sent a follow-up written request directly to XXXXXXXX XXXX XXXXXXXX referencing this account and requesting documentation. I did not receive any response. To date : I have not received any of the requested documents of the debt from either Lake Michigan Credit Union or XXXX XXXX XXXX. I have not received any documentation supporting the balance being reported. I have not received clarification of who currently owns or has authority over the account. There have been conflicting statements between Lake Michigan Credit Union and XXXXXXXX XXXX XXXX regarding where the account is actually assigned. The account continues to be reported monthly despite the lack of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation