I financed a treatment package through XXXX with a provider ( XXXX XXXX ) that included multiple services such as microneedling, laser, and Hydrafacial treatments. I received only XXXX microneedling sessions. The provider then issued a written notice discontinuing services and refusing to provide any further treatments. Because the provider terminated the relationship, the remaining services included in the financed package can not be rendered. I contacted XXXX and provided the discontinuation letter, but my dispute was denied. I also contacted the provider requesting that they coordinate a refund for unused services with XXXX, but the issue has not been resolved. I am requesting that XXXX adjust my loan balance to reflect only the services actually rendered and remove charges for services that can not be completed.
CFPB COMPLAINT DATABASE
Cherry Technologies Inc.
95 real consumer complaints filed against Cherry Technologies Inc. at the Consumer Financial Protection Bureau in the last 12 months. 6 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed15
- 02Charged fees or interest you didn't expect14
- 03Incorrect information on your report11
- 04Problem with additional add-on products or services9
- 05Problem when making payments9
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
Dear Consumer Financial Protection Bureau. I am submitting this complaint regarding XXXX XXXX XXXX XXXX, in connection with a consumer financing loan issued for services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX XXXX Florida. This loan was issued on XX/XX/year>, for cosmetic procedures that were never performed. Within XXXX hours of my initial evaluation visit, I sent written cancellation emails due to medical reasons. My physician expressly prohibited me from undergoing the treatments, and I provided supporting medical documentation. Cherry financed this transaction under invoices and electronic consent forms that I DID NOT meaningfully review or receive in full prior to execution. Importantly, XXXX, which financed a related loan for the same provider and same transaction period, conducted a formal dispute investigation. XXXX ruled in my favor and reduced the loan to XXXX, determining that I am not responsible for repayment.…
NOTICE OF PENDING LITIGATION INVOLVING CHERRY CONSUMER LOAN. I am writing to formally notify the CFPB that matters previously reported and/ or under review involving consumer loans originated by Cherry Technologies , Inc are now the subject of active court proceedings. The loan at issue was issued in Florida in connection with point-of-sale financing services, and concerns include : The manner in which the loan was originated, The validity of an electronic signature and consumer consent, The role of a third party in the loan origination process, and Compliance with applicable Florida and Federal consumer protection laws. As of this date, these issues have been raised before the appropriate court, and the matter is no longer limited to administrative review or informal dispute resolution. I've included this notice to make sure the CFPB knows about the dispute that involves Cherry XXXX, which has progressed to litigation.…
Good afternoon, this email is to inform you : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX THIS CLINIC IS OPERATING UNDER AN INACTIVE CORPORATION. Cherry Team : I am writing to notify you that the entity you are financing, XXXX XXXX, XXXX, is associated with my account and loan application dispute under UNAUTHORIZING LOAN is currently listed as an INACTIVE DISSOLVED according to the Florida XXXX XXXX XXXX, XXXX XXXX number : XXXX As such, I'd like to ask about the validity and enforceability of the loan issued to this Corporation. This is particularly relevant to my ongoing DISPUTE FOR UNAUTHORIZING LOAN submitted. I am requesting the immediate investigation on this matter and CANCELLATION OF THIS LOAN before the CFPB complain open be notified. Thank you,
On XX/XX/year> I opened a financing contract through Cherry for {$500.00} with XXXX XXXX. Shortly after, I notified Cherry that I have a documented XXXX and had filed an XXXX accommodation/demand letter regarding issues with the provider. I specifically requested my account not be modified or closed while the XXXX dispute was active. Despite this, Cherry : 1. Denied me access to my own account, locking me out and returning error messages. 2. Deleted the loan from my dashboard, even though I still had an active and overdue balance showing in earlier screenshots. 3. Later claimed they could not find any contract, which contradicts their own system logs. 4. Processed a refund I never authorized. Their system shows : This contract was refunded at the request of XXXX XXXX on XX/XX/year>. 5. Allowed a third party ( the provider ) to request changes to my financing account without my consent. 6.…
Recent complaints
The 30 most recent complaints against Cherry Technologies Inc. where the consumer chose to publish their narrative.
CFPB XXXX XXXX XXXX XXXX and XXXX XXXX XXXX : Cherry Technologies Inc . Contract ID : XXXX Original Complaint XXXX This submission serves as a formal escalation of my complaint XXXX a correction XXXX Cherrys apparent mischaracterization of the dispute. XXXX has attempted XXXX reframe this matter as a routine service dissatisfaction issue. That characterization is factually XXXX legally incorrect. This is a case involving material misrepresentation used XXXX induce a high-interest, merchant-arranged financing agreement, XXXX it raises serious concerns under federal XXXX state consumer protection laws. Nature of the Violation : This financing agreement was originated through a merchant partner ( a med spa ) at XXXX XXXX of sale. The services were marketed XXXX sold with explicit representations that the treatment would result in permanent XXXX removal in the treated areas.…
I am disputing a loan associated with services from XXXX XXXX XXXX, as the account is inaccurate and has not been properly validated. There are multiple unresolved issues : Mismatch in amount financed My receipt shows a total of {$1900.00}, however the loan reflects a higher financed amount of {$2100.00}. I was later informed by the provider that a setup fee was added that was not disclosed on my receipt or clearly agreed to at the time of purchase. Services not fully rendered - my receipt clearly states that I had XXXX visits remaining under this membership. These services were never completed. Provider is now closed- XXXX XXXX XXXX XXXX no longer operating. As a result, the remaining services can not be fulfilled, yet I am still being held responsible for the full loan amount.…
Cherry technologies has engaged in multiple willful violations of the fair debt collection practices act ( FDCPA ) in connection with a charged-off account. Specifically : 1. Illegal third party contact - between XX/XX/XXXX and XX/XX/XXXX, cherry technologies repeatedly contacted members of my family, including my mother, via phone calls, voicemails, and text messsages regarding my private debt. This occurred on multiple occasions to the extent that my family members contacted me several times to ask about the debt. This a direct violation of FDCPA 805 ( b ), which strictly prohibits debt collectors from communicating with third parties about a consumers debt. 2. Harassment via excessive & inconvenient calls - cherry technologies called me multiple times per day at uncomfortable hours, using different caller IDs and losing g as different callers to disguise their identity and circumvent my ability to identify them.…
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…
In XX/XX/XXXX, I financed {$1500.00} through Cherry Technologies for medical injection services with a local med spa. I received approximately {$300.00} worth of services before the merchant became completely unresponsive, and in XXXX I relocated over XXXX hours from the merchant. I filed a dispute with XXXX explaining that I had paid over {$890.00} toward services I could not receive due to the merchant 's unresponsiveness and relocation. XXXX issued a partial credit of {$750.00} against the remaining unpaid {$1100.00} balance, but maintains that I still owe an additional balance for services that will never be rendered. The only resolution offered by the merchant was to ship me injectable products to self-administer. This is not acceptable. The entire purpose of the purchase was to have a licensed medical professional administer the injections.…
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX SSN : XXXX Date : XX/XX/2026 Cherry Technologies Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Subject : Litigation-Ready Notice of Dispute, Demand for Investigation, and Method of Verification To Whom It May Concern, This correspondence serves as a formal dispute and litigation-ready notice regarding the account your company is reporting and/or attempting to collect in my name. I have reason to believe that the alleged debt associated with this account has been canceled and reported to the Internal Revenue Service through the issuance of a Form 1099-C ( Cancellation of Debt ). If this debt has been canceled and reported to the IRS, continued reporting of a balance or continued collection activity may constitute inaccurate and misleading reporting. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.…
To whom it may concern : I am writing this letter to explain the situation with Cherry Technology. I applied for financing for a procedure at XXXX XXXX XXXX XXXX XXXX XXXX, which I never received because I was a victim of fraud by the clinic, which closed and declared bankruptcy. Since I never received the procedure, I contacted Cherry, but they offered no solution, even after I sent them documents proving that the clinic had closed. I requested a refund of all the money I have been paying since XX/XX/year>, I have contacted other people who also have financing with Cherry from the same aesthetics clinic, and they claim that Cherry Technology is a fraudulent company that works in complicity with the clinic and is unwilling to resolve anyone 's situation, despite being aware that the clinic closed due to bankruptcy and committed fraud.
I am submitting a complaint regarding a loan issued through Cherry Technologies and XXXX XXXX that financed services sold by XXXX XXXX XXXX. During an appointment at the XXXX XXXX XXXX XXXX XXXX location on XX/XX/year>, I was encouraged to purchase a service package that staff described as a payment plan and facial membership program. I later discovered that this agreement was actually a loan issued through Cherry Technologies with XXXX XXXX Immediately after leaving the appointment that same day, I contacted the XXXX requesting cancellation because I felt uncomfortable with the sales process. I have written documentation confirming this request. Despite this cancellation request, the agreement has not been canceled and I have continued making payments toward approximately {$5000.00} for services that have never been rendered. Additional concerns include the following : I was asked to sign documents electronically on a tablet without the opportunity to review them properly.…
Cherry technologies in last dispute, Had claims over year, did not follow federal and state guidelines for disputes, did not investigate with clinic performed fraud and Malpractice, did not consider XXXX and medical experts provings fraud malpractice, automatic denial of all fraud and Malpractice claims with no investigation as is also known in my case no investigation, also continued to turn in bad bad credit reports to agencies ruining my credit while under review, disputes over XXXX months by law Cherry technologies are by federal law are to be given in my favor
LEGAL DISPUTE : RESCISSION OF DEBT UNDER FLORIDA STATUTE 501.017 RE : Cherry Plan XXXX and HFD Plan # XXXX I am filing this formal complaint against Cherry Technologies and XXXX XXXX XXXX ( XXXX XXXX for attempting to collect on a debt that was legally rescinded and terminated. XXXX. Timely Rescission under FL Law : On XX/XX/year>, I signed a future-service contract with XXXX XXXX XXXX XXXX On XX/XX/year>, within the XXXX " cooling-off '' period mandated by Florida XXXX XXXX, XXXX provided formal written notice of cancellation to the merchant via email and attempted Certified Mail. 2. Automatic Termination of Debt : Under FS 501.017 ( 1 ) ( b ) 2, a timely notice of cancellation " terminates automatically '' any financial obligation to the merchant or any assignees, including third-party lenders. Legally, no debt exists. 3. Material Contract Defect : The underlying contract violates FS 501.017 ( 3 ) because it fails to list the business 's physical address.…
I received a denial for unclear reasons on numerous occasions. It appears that it was due to a purported inability in verifying identity. The adverse action letter vaguely states, " Unable to verify identity '', however, the lender does not specify any details or allow a way to reconsider the decision. The CSR just directed me to wait 30 days and then reapply. I did so multiple times with the exact same outcome. Federal law requires that consumers have a right to fair and transparent lending practices. I request that the lender provide me with a fair and transparent opportunity to apply for its lending products. I am happy to provide a copy of my government-issued ID card and other documents that should satisfy lending requirements.…
I canceled my contract XX/XX/year>. I immediately called Cherry XXXX who paid XXXX XXXX, XXXX {$16000.00}. I told them I canceled my contract and they needed to contact XXXX XXXX XXXX to have them return the funds. I was on the phone every single day with Cherry XXXX and XXXX XXXX XXXX. XXXX XXXX said they never received any documentation that I canceled my contract and I needed to take care of this with the dentist office, which I did on a daily basis to get this cleared up. The dentist office did not refund the monies to cherry financial till around XX/XX/XXXX. I am writing to formally dispute inaccurate information on my credit report. My account liwas mishandled by the creditor and has negatively affected my credit through no fault of my own. I have plenty of documentation to support my disputed case
In XX/XX/XXXX, I scheduled a cosmetic procedure through a medical provider and financing was processed through Cherry at the time of scheduling. The procedure was scheduled far in advance for XX/XX/XXXX. I canceled shortly after scheduling. At the time payment was processed, no non-refund or no-cancellation policy was disclosed, and I did not sign or agree to any such terms prior to authorizing payment. Any alleged no-refund policy appeared only after payment and scheduling, within medical or consent forms sent afterward. No services were rendered. Despite this, Cherry continues attempting to collect and continues reporting the balance. I disputed the account and requested documentation showing informed consent prior to payment, but Cherry did not provide it. I am disputing an attempt to collect a debt not owed and inaccurate credit reporting.
I am filing a complaint regarding medical financing through Cherry Technologies. My doctors office arranged what was explained to me as a short-term XXXX payment plan. I agreed based on that understanding. However, I later discovered that Cherry processed this as two separate financing plans, structured as XXXX loans with APRs of 35.97 % and 29.99 %. I did not knowingly authorize or consent to long-term, high-interest medical loans, and I was not clearly informed that my balance would be split into two separate accounts with different APRs. The repayment terms and interest rates were not properly disclosed in a way that allowed informed consent. Even my doctors office has stated they do not understand why Cherry set the plan up for a full year rather than the agreed 4-month arrangement. Because these loans carry extremely high APRs, extending the repayment period significantly increases the total cost and appears to be an unfair and deceptive lending practice in a medical setting.
On or about XX/XX/year> I entered into an installment loan with Cherry Technologies in the amount of {$2100.00} to finance services provided by XXXX XXXX. Shortly after the transaction, I disputed the underlying service and requested that the financing be addressed accordingly. I contacted Cherry and explained that the service was disputed and requested information regarding cancellation, refund, or correction of the loan tied to the disputed service. Cherry declined to unwind or correct the financing and did not provide a meaningful explanation or documentation supporting why the loan would remain valid despite the dispute of the underlying service. I requested clarification and information regarding Cherrys investigation and decision, but Cherry failed to provide adequate supporting documentation or a satisfactory resolution. As a result, I remain obligated on a loan for a disputed service that was not properly resolved.…
I financed a spa treatment package through XXXX for services to be provided by XXXX XXXX in XXXX, Florida. I paid {$960.00} toward the account and had a remaining balance of {$1500.00}, for a total of {$2500.00}. In 2025, the spa location closed permanently before my treatments were completed. The business is no longer operating at the address and the suite is now listed for lease. After the closure, XXXX continued billing me monthly. I made a payment in XXXX because I was told my dispute would not be processed unless I continued to pay. After that, XXXX issued only a partial and unfair refund and informed me that no further discussion or review would be considered on their part. I did not make the XXXX payment because the services were no longer available. XXXX later issued a refund, but my account balance and obligations were not clearly resolved. I did not receive full documentation or written confirmation that the debt was properly canceled.…
Document XXXX : Master Notice of Non-Compliance To : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX ) CC : XXXX XXXX, XXXX. ( Counsel for TransUnion ) Date : XX/XX/XXXX RE : RESPONSE TO FRIVOLOUS LEGAL CLAIMS/ LOAN ID : XXXX To the Compliance Department : I am in receipt of your correspondence dated XX/XX/XXXX. Your assertion that dental financing is not " medical debt '' under California XXXX XXXX is a bad-faith misinterpretation of the law. XXXX XXXX XXXX : Under CA Civil Code 1785.27, medical debt is defined as debt " arising from health care services. '' XXXX XXXX is a health care service. Your attempt to re-characterize this as a " consumer installment loan '' to bypass the reporting ban is a deceptive practice. Holder Rule Liability : Your claim that you " do not participate in the delivery of services '' is precisely why the FTC Holder Rule ( 16 C.F.R. 433 ) existsto ensure the lender bears the risk of the merchant 's defective performance.…
Cherry Technologies is attempting to collect a debt that is not owed because the financed dental services were never provided and the transaction failed of essential purpose. Cherry financed a dental treatment plan with XXXX XXXX XXXX that included two dental implants, two crowns, and two root canals. The only dates of service were XX/XX/year> : Two implants were never performed Two crowns were never performed One root canal was only partially completed due to unresolved XXXX An XXXX XXXX XXXX later confirmed ongoing XXXX and a XXXX requiring XXXX and XXXX XXXX, making the treatment plan medically inappropriate and impossible to complete.…
I entered a payment plan with Cherry Technologies beginning XX/XX/XXXX under a 0 % APR promotional offer. Monthly payments were {$360.00} and I maintained a consistent payment history. In XX/XX/XXXX, I rescheduled a payment through Cherrys own platform. That rescheduled payment later failed on XX/XX/XXXX due to insufficient funds. Cherry assessed a {$15.00} late fee, which I paid. Despite this, Cherry permanently rescinded the 0 % APR and applied approximately 30 % APR to the remaining balance. My monthly payment increased to {$430.00} and the total cost of the loan increased substantially. Cherry representatives confirmed in writing that : They do not send email notifications when a 0 % APR is at risk of rescission They rely solely on text message notifications I had opted out of SMS notifications months earlier No alternate notice was provided Cherry still claims adequate notice was given, despite admitting they knew SMS was disabled and no email notice was sent.…
Original date of XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX for XXXX XXXX that doctor said I needed a XXXX XXXX XXXX XXXX XXXX, I had several follow ups before Procedure than I requested doctor to fix it after administered but was denied as he said it was all in my head I followed up for requested help XX/XX/XXXX XXXX XXXX and over the phone everyday in between, this XXXX is unfinished and hurts to chew I am aware of my body and would not make this up, all he had to do was fix it, but instead disrespected my body autonomy this XXXX XXXX from XXXX XXXX XXXX XXXX should not be allowed to practice and should be under scrutiny to remove his license, he is lazy condescending patronizing and does the bare minimum of work to collect large amounts of insurance money, this is mal practice, he caused tens of thousands of more work to my mouth and missed XXXX carries another provider found and confirmed, I disputed the charge with him and the third party cherry technology lending company that is…
On XX/XX/XXXX, I went to a XXXX XXXX XXXX after having a back and forth conversation with the owner on XXXX for months. I saw a new promotion for XXXX about their services as follows : Single Session Of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$140.00} XXXX Sessions {$550.00} XXXX Sessions {$990.00} and venous legacy XXXX sessions for {$690.00}. The owner requires {$50.00} as deposit to secure my appointment and will be applied toward my treatment later-which I paid via my credit card. On the day of appointment, after consultation she explained the services, I stated the services I want and areas to work on ; we spoke about the sessions and the costs. On a scrape paper, She offered XXXX sessions of venous legacy at {$2000.00} and XXXX sessions of ( XXXX XXXX XXXX XXXX XXXX ) at {$1000.00}. I agreed to the cost.…
SECTION 1 Summary of the Issue I am filing a complaint regarding a financing agreement with Cherry Financing for dental treatment at XXXX XXXX XXXX ( XXXX, CA ). The provider did not render the majority of the services, failed to provide any itemization or documentation supporting the charges, made contradictory statements about refunds, and is claiming I owe nearly the full balance ( ~ {$19000.00} ) despite incomplete treatment. This dispute is related to financial transparency, disputed charges, and Cherry attempting to enforce payment for unrendered services. Below is a detailed timeline and explanation. SECTION 2 Detailed Timeline & Facts : XXXX. XX/XX/XXXX Treatment Plan Signed I signed a treatment plan with XXXX XXXX XXXX. Contract language clearly states : - Payment for services rendered will be due at the time of service. - I am responsible for charges incurred during the course of treatment. - Consent remains in effect until I choose to terminate treatment in writing.…
Cherry XXXX XXXX. The company is refusing to issue a refund because I signed a no return/refund on a product a purchased and paid cash on the same day. The store can not provide a second no return/refund form for the item in question. I returned the item twice, I do not have the item, and after the way the store treated me, I do not want it. They are even telling me I should have communicated by a way I can not do to a brain injury, so I feel Im being discriminated against by the store and now the billing company. I purchase something in XXXX, received a damaged box, rejected the damaged box, and the store was closed for 6 weeks making it hard to contact anyone. That is why they dont want to issue the refund, they said I didnt contact anyone in a timely manner.
am filing a complaint against Cherry XXXX regarding a healthcare financing dispute. I financed a cosmetic laser treatment package through Cherry. I completed the treatment plan in good faith, but the results after several months were extremely minimal and did not reasonably match the high cost of the treatment plan. I also later learned that the provider was not a licensed dermatologist or medical specialist, I was pressured into purchasing an additional XXXX XXXX skincare product that provided little to no benefit, and I was instructed to shave in ways that worsened irritation and delayed healing. I feel I was misled and financially harmed by the provider. I filed a dispute with Cherry explaining these concerns. However, while my dispute was still active and under investigation, Cherry continued to withdraw payments, including a {$150.00} charge that caused financial hardship.…
Cherry Technology LLC reported fraudulent late payments to the credit bureaus. This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. All payments were made on time and in full, making the reported late payments false. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 7 ) requires that a consumer be notified before negative information is reported. No such notice was ever provided. Because Cherry Technology LLC reported false late payments without providing the required notice, this reporting is unlawful and must be deleted.
I am disputing a loan that was opened without my authorization in my name by a merchant ( XXXX XXXX, XXXX XXXX XXXX, XXXX ). I did not apply for, authorize, or consent to any loan or financing, did not receive required Truth in Lending disclosures, and never received any loan documents. At the time of the transaction, the merchant immediately charged {$200.00} at the salon and also charged an additional {$350.00} to a separate credit card without my knowledge or authorization. I was not informed that multiple payment methods would be charged, nor did I consent to these charges. These funds were taken prior to any disclosure that a loan existed. I did not receive any facial, spa service, or treatment of any kind, and returned the product after suffering an adverse reaction. I reasonably believed the transaction was voided. I later received payment demands from Cherry, which was the first time I became aware that a loan had been created.…
I am filing this complaint against Cherry Financing/ Cherry Technologies for improper handling of a refunded transaction and for submitting inaccurate information during a credit card dispute process. Cherry Technologies charged {$440.00} to my XXXX XXXX credit card. Cherry Financing/ Cherry Technologies later issued and confirmed a full refund for this charge. However, despite issuing the refund, Cherry Technologies submitted a dispute response to XXXX XXXX contesting the chargeback, which directly contradicted their own refund confirmation. When I contacted Cherry Financing/Cherry Technologies to clarify why they disputed the chargeback after issuing a full refund, they were unable to provide any explanation. The documentation they provided to me clearly shows that the refund was issued, yet their dispute response caused my bank to deny the chargeback and hold me financially responsible.…
In XX/XX/year>, Cherry Technologies engaged in excessive and distressing collection activity after I notified them that I was unable to make a payment for the month. Between XX/XX/XXXX and XX/XX/year>, Cherry sent approximately 30 collection-related emails, frequently on consecutive days and often more than once per day. Many emails used urgent and coercive subject lines such as ACTION REQUIRED, Urgent, Important Notice, and were sent under Cherry Collections Team. Despite my written request to limit communication, Cherry continued contacting me via email, automated text messages, and phone calls. Beginning XX/XX/year>, Cherry repeatedly called me from a wide range of rotating phone numbers originating from numerous states and toll-free lines. The numbers frequently changed and were sometimes labeled as Spam, making it impossible to block or identify a consistent caller.…
CHERRY TECH is falsely reporting on my credit. I have never had any accounts with them. Per my research CHERRY TECH is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Cherry Technologies LLC I was misled into a loan agreement through XXXX XXXX XXXX without informed consent. The consultant represented the agreement as a simple monthly payment plan and failed to disclose that it was a third-party loan reported to credit bureaus. I discovered the loan only after receiving a credit alert two months later. Cherry Technologies LLC has refused to conduct a reasonable investigation or provide proof of authorization. This constitutes violations of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting investigation, correction or removal of inaccurate credit reporting, and written proof of consent.
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