Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: DreamSpring
State: AZ

Complaint narrative:
This account is with " Dreamspring, LLC '' formerly Accion of New Mexico. Loan # XXXX, date XX/XX/XXXX. Company address is : XXXX XXXX XXXX XXXX, XXXX, New Mexico XXXX. Phone # is XXXX XXXX XXXX. 

i have been requesting information and communication with this company since XX/XX/XXXX re ; a fraudulent reporting of this account being 'charged off '. They are completely ignoring i in violation of my Rights under the XXXX Consumer Rights Act ; in this instance my Right to be heard. i've attached all the documents i have sent to the company. They are as follows ; on XX/XX/XXXX, i filed a Federal Trade Commission Identity Theft Report # XXXX. The company responded by 'verifying the debt ' and updated the status to being a 'charge off '. 

on XX/XX/XXXX i requested the company send me electronically, copies of the entire file. i did so through their 'clientservice ' portal and i received an acknowledgement email from the company that they had received my request. i have not heard back from the company re : the request nor did they provide any copies of the loan origination documents. They ignored i completely in violation of my Right to be heard under the XXXX Consumer Rights Act. 

on XX/XX/XXXX i sent a notice of recission, voiding all the paperwork and notified them that i would be seeking a return of all payments on this loan, which i believed to be fraudulent ( as stated in the Recission Notice, attached ). i did so through their 'clientservice ' portal and i received an acknowledgement email from the company that they had received my request. i have not heard back from the company re : this demand of rescission nor did they provide a reason for not refunding my payments on the account as i demanded. They ignored i completely in violation of my Right to be heard under the XXXX Consumer Rights Act. 

on XX/XX/XXXX i sent a Notarized, duly executed Durable Power of Attorney along with a contract " XXXX, orders Clarification and Statement of Value & Consideration '' ( attached ) via USPS Certified Mail, item # XXXX to the address listed on their fraudulently reported 'charge off ' of the debt. In this XXXX, i gave them 30 days to reply or litigation would begin immediately. Some 3 wks later, this parcel was returned. The address they provided on the listing was incorrect. They continue to ignore i completely in violation of my XXXX to be heard under the XXXX Consumer Rights Act. 


on XX/XX/XXXX i utilized once again, their 'clientservices ' portal to forward those same XXXX documents ( Novations and Durable Power of Attorney ) onto the company and once again ; i received an acknowledgement email from the company that they had received my request. i have not heard back from the company re : " XXXX, orders Clarification and Statement of Value & Consideration ''. Again, this company which has an established reputation by now with i of defrauding and ignoring lawful demands of i, continue to ignore i completely in violation of my Right to be heard under the XXXX Consumer Rights Act. 

Finally, on XX/XX/XXXX, relying on an email from my account executive ; XXXX XXXX i guessed at the format for their email system and sent a correspondence to both the CEO, XXXX XXXX XXXX and to the CFO, XXXX XXXX XXXX. i received automated 'vacation ' responses from both of the ladies email servers, acknowledging that my email had been received. 

Not content to wait until their vacations ended, i am pursuing this last effort to have this matter resolved before litigating the matter.

Company response to consumer: Closed with explanation