Consumer complaint received 2024-12-16 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: FactorTrust, Inc.
State: TX

Complaint narrative:
Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 

You referenced a loan balance in your letter derelict letter sent to me previously ( I suppose as your attempt to validate debt? ) when in fact the laws governing the alleged contract clearly state this as a credit sale. No loan has taken place between anyone involved in the alleged agreement. The alleged debtor is not a borrower nor have they been loaned any goods or advanced any money by the alleged creditor. 

Your reporting is not only deceptively misleading, it is also substantially absent requisite conditional verifiability, validity ( as related to document evidence in support of physical proof of truth, correctness, and completeness of claim ), and certifiability ( to XXXX XXXX Format as example ). 

Per my states applicable reporting and or collection laws and per federal standards similar, no claim derelict may be retained, much less reported, so REMOVE FROM REPORTING this claim of repossession right now. Any furtherance is assumed to be your willful disregard of requisites to report and intentional harassment or even extortion under threat of financial injury ( ies ). 

The claim ( s ) below noted are unlawful and require deletion today, even here and now, so do so immediately : Name ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Name ALSO KNOWN AS is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true, correct, valid, and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

CREDITOR NAME XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX supposed on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not testimonial adherent as it is currently reported. Please REMOVE from reporting rapidly! 

CREDITOR NAME XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX incredulous on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not certifiably obedient as it is currently reported. Please ERADICATE from reporting forthwith! 

CREDITOR NAME XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX asserted on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and urgent achieved lawful Permissible Purpose, and or is not testimonial obedient as it is currently reported. Please BLOCK from reporting right away! 

CREDITOR NAME XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX described on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please REMOVE from reporting promptly! 

CREDITOR NAME XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX declared on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please DISLODGE from reporting immediately! 

CREDITOR NAME XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX leery on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and urgent achieved lawful Permissible Purpose, and or is not testimonial docile as it is currently reported. Please DELETE from reporting at once! 

CREDITOR NAME XXXX XXXX XXXXXXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX incredulous on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and requisite achieved lawful Permissible Purpose, and or is not certifiably compliant as it is currently reported. Please ERASE from reporting rapidly!

Company response to consumer: Closed with explanation