ComplaintsforCredit Central, LLC (Parent Co.)

• Initial Complaint

  02/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Well this is the second time someone is acting like me. I paid out of pocket for something I didn't do. Someone is taking loans out and it isn't me. Somehow the agents of the companies have my number. Their always calling saying bad things and being rude. I was starting to build my credit and now it's dropped tremendously! I'm asking for the most help that I may receive. If you're able to help me it would be such a blessing!

  Business response

  02/01/2022

  Dear ******** *******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated January 31, 2022 regarding your alleged identity theft.  In order to investigate your claim of identity theft, we will need you to provide us with the following documentation:
  
  1.Completed ID Theft Affidavit – MUST BE NOTARIZED (https://ftc-identity-theft-affidavit.com/);
  2.Copy of government issued photo-identification
  (i.e. driver’s license, state-issued ID card, passport);
  3.Proof of residency (during the time the disputed inquiry was made); and
  4.Valid Police Report.
  
  Please return the completed documents listed above to the address below, and we will open an investigation into your allegations.
  
  Compliance:  ID Theft
  Credit Central, LLC
  *** **** ***** Street, Suite **
  Greenville, SC 29601
  
  If you have any questions, please contact us at (864) ********.
  
  
  Sincerely,
  
  
  Compliance Department
  

• Initial Complaint

  01/07/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have sent multiple certified mail letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 35 days for these accounts that are clearly inaccurate and fraudulent accounts. This creditor is disregarding the law and taking advantage of me and this has caused big stress on my life. The most recent certified letter I sent was 11/18/2021. The attached file is the FTC I sent to them. I DEMAND that all the items are deleted and if action is not taken I will sue in small claims court in my city and the company will have to come and represent themselves.

  Business response

  01/07/2022

  Dear ******** ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated January 6, 2022.  Your complaint states that you have sent multiple Certified Mail letters to us.  Enclosed is the only letter we have received from you, along with our response.  The letter is dated 11/18/2021 and was received by Credit Central on 12/06/2021.  There was no indication on the envelope that the letter was sent via Certified Mail.  The FTC file attached to your complaint was not included with your letter.  The document enclosed with your letter was an Incident/Investigation Report from the ****** County Constable’s Office Pct. 4.  We contacted the precinct to verify that the police report is valid and were informed that case # ********** is fraudulent.
  
  Our response was mailed to you on December 20, 2021.  As of the date of this letter, Credit Central has not received any of the documents we requested to support our investigation of your alleged identity theft.  These documents include a copy of a government-issued photo ID, proof of residency at the time the loan was made, a valid police report, and a completed and notarized ID Theft Affidavit (https://ftc-identity-theft-affidavit.com/).  Please mail these documents to the address at the bottom of this page.  We will investigate your allegations upon receipt of all required documentation.
  
  
  Sincerely,
  
  
  Dana H********
  Director of Compliance, Paralegal

• Initial Complaint

  09/14/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They have an account listed as a charged off on my credit report. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

  Business response

  09/24/2021

  Dear Ms. ****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated September 13, 2021.  In your complaint, you state that you disputed this debt with the credit bureaus and then contacted the company with no response.  We received one dispute from one credit bureau, Experian, on 09-13-2021, the same date you filed your complaint.  This dispute was coded as an ID dispute.  ID disputes only require that we confirm your identifying information such as name, address, and birthdate.  By law, we have 30 days to respond from the date of receipt.  Amanda J****, Compliance Specialist, responded to Experian on 09-22-2021.  Amanda verified your identifying information with the information pictured below, which is retained in our loan management system.  As of the date of this letter, Credit Central has received no other disputes from you.
  
  If you wish to dispute your credit with our company, please mail a direct dispute to Credit Central, *** **** ***** ******, Suite **, Greenville, SC 29601.  We only investigate a direct dispute when a consumer provides a complete Direct Dispute Notice that includes the following:  (i) sufficient information to identify the account in dispute (e.g., account number, name, address, telephone number, etc.); (ii) the specific information being disputed and an explanation of the basis for the dispute; and (iii) substantiating documentation or information from the consumer (e.g., a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information, a police report, a fraud or identity theft affidavit, a court order, or account statements) (collectively, the “Direct Dispute Notice Information”).  You may also contact our Legal Center at (205) ******** for more information regarding your account.
  
  
  Sincerely,
  
  
  Dana H********
  Director of Compliance, Paralegal

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩