Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: WI

Complaint narrative:
Affidavit of fact XX/XX/year> On XX/XX/XXXX I sent a letter with a XXXX to pay off debt, I'm going to example of how things work and I would also advise to consult with an lawyer. when you or your spouse go to a bank and ask to apply for a mortgage and lets just say hypothetically you get approved for a mortgage so what the bank does in return is file a XXXX acquisition of property on you or your spouses behalf and they use your Social Security number as a lien to redeem the funds directly from the treasury. They include the full amount also interest as well. You have already paid for the house once you have given them you signature, but thats another conversation, so once your monthly billing cycle comes from your monthly mortgage payments, the bank will then charge you again for money they already received after they filed a XXXX using your SSN. what people don't know is your Social Security number gives you the exception to discharge debt because all debts and obligations of debt is the responsibility of the federal government see : XXXX XXXX : " Chap. XXXX, XXXX XXXX. XXXX '' under XXXX XXXX is that remedy and in part states that the Federal Government will discharge all our debts, public and private, dollar for dollar. So, this remedy is our way to understand negotiable instruments and how money is created. The way money is created here in the United States is by debt. In every situation there is always a creditor and there is always a debtor. For every transaction regarding a creditor and debtors relationship it's established by the idea that every creditor needs a quote-on-quote surety of payment. So, once you go into dealing with any company to qualify you for any loan, they want to know that you are a good candidate for the surety or repayment of the debt. remember this, there is no money and money is created through debt and debt must have a bond. Now since we broke that down heres what you can receive using a XXXX form, you can purchase a home, car, truck, boat, etc. First and foremost people understand who you are and understand what your social security really is. 

XXXX been taught that the XXXX is ONLY for abandonment of property but the form clearly says OR ACQUISITION! fill out the XXXX accordingly, give to who ever and theyll file that with a XXXX, XXXX, and a XXXX theyll get the payment in a few weeks. 

XXXX received the payment through the mail along with a affidavit that they refuse to answer in a business transaction and they never answered so it stands opploan refuses to follow the law mailbox rule The mailbox rule, also called the posting rule, refers to the default rule in contracts law for determining when an offer was accepted. Under the mailbox rule, an offer is considered accepted the moment the offeree mails their letter, rather than when the offeror receives the letter in the mail. The mailbox rule also applies to other means of communication, such as a fax, telegram, or email, provided that it is irrevocable once sent. Opploan received it and refuses to take the debt off both XXXX and XXXX 

Opploan didn't write me or contact me and ask me permission to put anything on my credit report according to XXXX XXXX Code Title XXXX CHAPTER XXXX SUBCHAPTER XXXX 1681b 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I didn't consent for anything to be on my credit report and they refuse to take it off after multiple demands to.

Company response to consumer: Closed with explanation