|
11719998
|
2025-01-23
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
|
|
11914120
|
2025-02-03
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-03
|
|
|
11308336
|
2024-12-28
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2024-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-28
|
|
|
6409408
|
2023-01-07
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6383391
|
2022-12-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2022-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-31
|
| Complaint What Happened |
OPPORTUNITY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX {$0.00} Highest Balance $ 1200 XXXX payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In XXXX Worst Payment Status No Info Account Details Account status Derogatory Type Unsecured loan Responsibility Individual Remarks Payment after XXXX XXXX XXXX profit and loss Consumer Complaint Paid through collections, and the debt is still reporting as collections.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6180434
|
2022-11-08
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-08
|
| Complaint What Happened |
XXXX Opploans was sent a debt validation letter on XX/XX/22 and an employee at the corporation signed for this delivery on XX/XX/22. They have not sent anything since then, and the company has not responded to any of my letters after me asking for debt validation which includes a WET SIGNATURE, they were given 30 days to have this REMOVED from my report and it is still currently reporting to all three credit bureaus NO PERMISSIBLE PURPOSE WAS GIVEN FOR THIS CORPORATION TO REPORT ANYTHING ON MY CONSUMER REPORT. THIS IS ILLEGAL AND IS IDENTITY THEFT! I have also filed a report with the FTC and XXXX Certified Tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
|
| Consumer Consent Provided |
Consent provided
|
|
|
4522416
|
2021-07-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10886051
|
2024-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10825426
|
2024-11-16
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-16
|
| Complaint What Happened |
XXXX. XXXX XXXX XXXX : This account is reporting charged off. I have not received any XXXX Cancellation of Debt form. The account is inaccurate and needs to be removed from my credit report.
XXXX. XXXX XXXX : This account is reporting charged off. I have not received any XXXX Cancellation of Debt form. This account is inaccurate and needs to be removed from credit report.
XXXX. XXXX XXXX XXXX XXXX : This account is reporting charged off. I have not received any XXXX Cancellation of XXXX form. This account is inaccurate and needs to be removed from credit report.
XXXX. XXXX XXXX : The agency brought this debt from the original debtor and has my information without my permission. Therefore, I am not responsible for this debt. I have not received any purchase agreement.
XXXX. XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX. XXXX XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX XXXX XXXX XXXX The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX. XXXX XXXXXXXX XXXX XXXX : The agency brought this debt from the original debtor and has my information without my permission. Therefore, I am not responsible for this debt. I have not received any purchase agreement.
XXXX. XXXX XXXX XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX. XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX. XXXX XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX. XXXX XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX. XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX. XXXX XXXX XXXX : The agency brought this debt from the original debtor and has my information without my permission. Therefore, I am not responsible for this debt. I have not received any purchase agreement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7460650
|
2023-08-29
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-29
|
| Complaint What Happened |
To Whom It May Concern : This letter is to inform you that the above referenced account ( XXXX being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : ( Delete this and insert detailed info about what is being disputed here Read Requirements of the consumer in a FCRA 623 dispute. Writing See Attached is not advised unless your attachment is fully explained here and then you write see attached for further details. ) If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7433228
|
2023-08-22
|
Incorrect information on your report
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Payday loan
|
| Date Received |
2023-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-22
|
| Complaint What Happened |
I have no knowledge of any account with Opps Loans. I have talked to customer support and they agreed to remove the information and they never had.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3547342
|
2020-02-27
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to arrest you or take you to jail if you do not pay
|
| Sub Product |
Payday loan debt
|
| Date Received |
2020-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-27
|
| Complaint What Happened |
Calling work repeatedly sometimes 3-4 times an hour up to 15 times a day during work. Repeatedly calling cell number from spoofed phone numbers ( if you try to call back the number is not a working number ). Did not receive postal mail confirmation of collection even though I asked for it over the phone.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5934524
|
2022-08-31
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-31
|
| Complaint What Happened |
On XX/XX/XXXX I mailed to Opp Loans in order to resolve an issue with an inaccurate account that was being reported on my credit report. They received my request by certified mail on XX/XX/XXXX and has yet to reply to my request.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information rate relating to a consumer to any consumer reporting agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate According to the IRS the Lender must file form 1099-C and send a send you a copy if the amount of the debt canceled is {$600.00} or more and the lender is a financial institution, credit Union , federal government agency or other agency entity at discussed earlier in XXXX XXXX.
The IRS clearly defines a charge off, canceled debt as gross or ordinary income income does not get reported on a consumer report as this is my person information.
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
On XX/XX/XXXX the account was written off and charged off and I never received a copy of the XXXX.
This situation has been embarrassing and hamulating as you try to improve your lively hood and to have a company ignore you and violating your rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6426802
|
2023-01-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9273356
|
2024-06-17
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5969425
|
2022-09-10
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6177333
|
2022-11-08
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
12289201
|
2025-03-03
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Payday loan
|
| Date Received |
2025-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-03
|
|
|
12166286
|
2025-02-21
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Payday loan
|
| Date Received |
2025-02-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-21
|
|
|
12562320
|
2025-03-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2025-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-21
|
|
|
12040775
|
2025-02-12
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Opportunity Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2025-02-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-11
|
|
