Thaxton Investment Corporation

XXXX. I have never received any mail regarding this from Heights Finance. I received notice of the garnishment from my employer when they received the paperwork. At the bottom of page XXXX of document XXXX, it states that the CREDITOR MUST SERVE THE FOLLOWING DOCUMENTS ON THE DEBTOR AT THE TIME OF SERVICE OF THIS DOCUMENT ( XXXX, XXXX, XXXX, AND XXXX ). I have never received these documents from Heights Finance. I moved to XXXX XXXX in XXXX of XXXX. I changed my address and everything to make sure all my mail was sent to my new address. I feel like sending it to the wrong address is a tactic by Heights Finance to get courts to rule in their favor. XXXX. Wisconsin statute XXXX states that the debtor must be notified of the garnishment proceedings by the creditor. I never received any notice from Heights Finance until my boss brought me the original garnishment papers on XX/XX/XXXX and most recently XX/XX/XXXX. XXXX.…

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This account with Covington Credit was included in my XXXX XXXX bankruptcy and legally XXXX in XXXX. Despite this, the account continues to be reported as a charged-off account, which is inaccurate and misleading. On XX/XX/XXXX, I sent certified letters to both Covington Credit and XXXX XXXX XXXX XXXX requesting validation of the debt and correction of the reporting. I have proof of certified mailing. The companies failed to provide proper validation or correct the inaccurate reporting. Instead, the account continues to appear on my credit report in a way that negatively impacts my creditworthiness. Additionally, the debt was sold to a third-party collection agency, yet the original creditor is still reporting the account inaccurately. This creates duplicate and misleading reporting. This behavior violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as the bankruptcy discharge injunction under 11 U.S.C. 524.…

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When I made my XX/XX/XXXX payment on XX/XX/XXXX, I requested an account statement to be mailed to me with my balance and transaction history for the last 6 months. Every month I call in and make my payment on time and ask what my balance is and write it down. I never receive emails with any account info and have no online access to a portal and when I do receive mail from them, it only states that I approved a one time transaction of XXXX to be paid but never gives an account history or balance. My wife suggested I get a balance in writing since I have no real history beyond my scribbles on a notepad to protect myself and glad I did. We received our tax refund and decided to be positive and eliminate a bad debt. I called to pay the loan off on XX/XX/XXXX and was advised that the balance was nothing close to what I've been tracking and what was just sent to me. ( See attached file ) Told payoff was $ XXXX. Way more than the XXXX.…

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I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Covington Credit in XXXX XXXX has charged me multiple loans and they have put it on my credit report as I owe them they have XXXX from XXXX and XXXX from XXXX I have filed multiple disputes on these on all three credit bureaus a few weeks ago they took off the XXXX from XXXX and charged it off I have tried and tried and tried to resolve this there's no way I owe XXXX loans from XXXX place that's just impossible to no way I've owed money and y'all steady gave me loans on top of loans on top alone something is very fishy about this

I am filing a new complaint regarding Heights Finances handling of my auto loan dispute and materially inaccurate statements made by Heights Finance in response to a prior CFPB complaint. In XX/XX/2025, I purchased a used vehicle from XXXX XXXX after being expressly told in writing by the dealership that the vehicle had no transmission issues. The purchase was financed through a retail installment sales contract that was assigned to Heights Finance, making Heights Finance the assignee and holder of the contract and subject to all claims and defenses under the FTC Holder Rule ( 16 C.F.R. 433 ). Immediately after purchase, the vehicle exhibited serious transmission problems, including harsh shifting, delayed engagement, slipping, and unsafe drivability. The check engine light illuminated the day after purchase, and diagnostic scanning indicated transmission-related fault codes. I promptly notified the dealership and returned the vehicle for inspection.…

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I am filing this formal complaint against Heights Finance Corporation regarding predatory lending practices and demonstrably false credit reporting/debt collection activity. This account did not originate from a standard loan application. Heights Finance appears to have mined public court records to identify that I had previously filed for bankruptcy protection. They then mailed an unsolicited " live check '' to my home, specifically targeting me immediately after my bankruptcy discharge when I was legally vulnerable. This " XXXX XXXX XXXX' tactic relies on trapping consumers who can not legally file for XXXX XXXX again. I did not request this loan ; it was aggressively marketed to me through an unsolicited financial instrument. Heights Finance is now attempting to collect on this debt using accounting records that are demonstrably broken and factually impossible. The " Negative '' Payoff : Their reporting indicates a " Pay-Off Percentage '' of XXXX % ( negative XXXX percent ).…

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Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX, IA XXXX Re : XXXX XXXX Consumer : XXXX XXXX Account No. : [ XXXX ] Dear Sir or Madam, I am formally disputing an account being reported by XXXX XXXX on my consumer credit reports. XXXX XXXX has failed to provide competent evidence that I owe this debt and has not proven that it has the legal authority to report this account. This account continues to be reported and verified as accurate despite my disputes, which constitutes a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act, 15 U.S.C. 1692. Furnishing and verifying information without proper investigation and documentation is unlawful and harmful to my credit standing. Because XXXX XXXX can not properly validate this account, I am requesting immediate deletion of this tradeline from all consumer reporting agencies.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Heights Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX0XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation account number - XXXX To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor. 2. The original account number and any reference number you use. 3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits. 4.…

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XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

I am filing this formal complaint againsXXXX XXXX XXXX XXXXXXXX XXXX for willful reporting of inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). I have a legal Satisfaction of Judgment ( XXXX # XXXX ) which confirms that this debt was satisfied in full. Despite this court order and my repeated attempts to resolve the error, the company continues to report the status as 'Settled-less than full balance '. Representatives from Heights Finance have acknowledged the inaccuracy via email, yet they have failed to update the record. On XX/XX/year>, I sent a formal notice to Heights Finance ( see XXXX XXXX ) detailing the reporting error and providing the Satisfaction of Judgment. Despite this direct outreach, the company has failed to update my report, demonstrating a reckless disregard for the accuracy of my credit data.…

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I contacted heights finance because I saw them reporting on my credit and did not apply for any type of loan from them. I first noticed in may and had the dispute started the dispute and have yet to receive any information such as picture of the check that was signed who released the funds or who cashed it. Thy gave me information from my account that has no connection to me such as wrong phone number and wrong email, they only got the correct information because I called them and gave them my email. When I started the dispute I turned in a fraud packet the XXXX branch and had them note on my account I had done so. During my recent phone call they said they have yet to receive it yet it was on my account that I turned it in they also said it was scanned onto my account so they have a digital copy of it.…

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I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

I went to this finance company where I borrowed money to ask them if they can lower my payments they said they would try to look and see what they can do. Meantime, the ladies at the front desk I believe her name is XXXX. I could be wrong.why dont I go and pay get a payday loan pay them I I told XXXX, I was not gon na get another payday loan. That is whats making me get behind my bills thats what she suggest not pay the payday loan back this has been haunting me since the first of this month I just dont know what to do. Im XXXX XXXX XXXX. Im trying my best to pay all my bills and Im just having problems with this room because my premium my insurance went up my medication. Everything else with Medical went up. I just I can not afford this. Thats why I went in to ask them if they could help me.

In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX from unique auto in XXXX XXXX Illinois. Prior to purchase, the dealership represented in writing that the vehicle had no transmission issues. The retail installment contract was assigned to Heights Finance. Immediately after purchase, the vehicle exhibited serious transmission problems, including harsh shifting, slipping under acceleration, delayed engagement, and unsafe driving behavior. I obtained an independent transmission diagnostic from a licensed transmission repair shop in XXXX, Iowa, which confirmed significant transmission defects and indicated the transmission may require major repair or full rebuild. I notified the dealership and attempted to resolve the matter. The dealership failed to provide a resolution and stopped responding. On or about XX/XX/XXXX, and again in XX/XX/XXXXXXXX I notified Heights Finance in writing that I was asserting claims and defenses under the FTC Holder Rule ( 16 C.F.R. 433 ).…

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[ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] Date : [ Insert Date ] Via Certified Mail Return Receipt Requested To : [ Collection Agency / Debt Buyer Name ] [ Address ] [ City, XXXX, ZIP Code ] Re : Request for Debt Validation Account Number : [ Account Number as listed on your credit report ] Dear Sir or Madam, This letter is sent in response to your reporting and/or communication regarding the above-referenced account. This is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide proper validation, including but not limited to the following : The name and address of the original creditor ; The date the debt was incurred and the date of default ; A complete itemization of the amount claimed, including principal, interest, fees, and any other charges ; A copy of the original contract, agreement, or application bearing…

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On or around XX/XX/year>, the company issued multiple insurance checks totaling approx {$1500.00} on my loan account. These checks were added to my loan balance, even though the funds should have been deducted from my payoff amount, not added to the principal. My original payoff balance was approximately {$5600.00}. Instead of reducing that amount by the {$1500.00} insurance refund, the company increased my balance to approximately {$7200.00}, which is incorrect. I informed the company that I did not want or authorize the insurance checks, and I requested that the funds be applied correctly. The company stated that even if I declined the checks, they would still mail them to me and still add the amount to the loan, which I believe is improper. I attempted to resolve this with the company directly but the issue remains unresolved. I am requesting a correction to the payoff balance and proper application of the {$1500.00} insurance refund.

I had a truck loan through heights financial and they repoed the truck and then sold it for way too low of a price which I shouldnt have to pay it back because it was well worth XXXX with everything done to the truck with the receipts that were in it still when they repossessed the vehicle. They sold it for around XXXX XXXX dollars there was over XXXX XXXX in receipts done to engine and over XXXX XXXX in receipts for the transmission and it had low miles for a diesel. It shouldnt have been sold for less then XXXX XXXX or at least XXXX XXXX and now they are trying to sue me for it when they took it back and sold it way to low for fair market value.

I am filing a complaint against Heights Finance XXXX for false XXXX XXXX, predatory lending practices, misrepresentation of the creditor, and abusive loan churning. I never had a loan with XXXX XXXX. My loan was with XXXX XXXX, which has since been linked to Heights Finance and other subsidiaries. XXXX XXXX called customers to renew loans and then closed their locations without informing the customers. Despite this, XXXX XXXX is now reporting a derogatory account on my credit report even though : I never applied for, received, or signed a loan agreement with XXXX XXXX. My court records list XXXX XXXX, not XXXX. XXXX and XXXX were involved in CFPB-documented predatory practices, including : abusive loan churning, refinancing loans with as little as XXXX cent of new money, misrepresenting the actual creditor, taking advantage of financially distressed borrowers.…

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I had an automobile loan with Heights finance. I totaled my car and my insurance paid off the loan. I attempted to get another loan but due to my credit score, I was denied. This was after I sent over my pay information and other documents many times and was told I would be able to get a loan but after over a month, was told I could not. Then, the company mailed me a check for about {$1300.00} that I cashed. It was an agreement that I would pay it back in installments. I was able to make a few payments then lost my job. I worked with different people and gave Emailed proof. Their collections department kept calling me during this time, meanwhile the staff there told me they could get approval for me to refinance the loan. I have a recording of the collection call where the person was yelling at me and kept asking me what I did with the money and why did I cash it when she kept saying I purposely cashed it without any intention on paying it back.…

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Subject : Unauthorized Sale of Personal Information & Illegal Collection Activity by Covington Credit XXXX XXXX XXXX XXXX XXXX : I am filing a complaint regarding Covington Credit and XXXX XXXX XXXX for multiple violations of the FDCPA ( 15 USC 1692g ) and the FCRA ( Sections 604 and 611 ). A debt originally with Covington Credit was reportedly sold or transferred to XXXX XXXX XXXX. I was never notified by Covington Credit that my account was being assigned or sold, nor was I given any written communication explaining the transfer, amount owed, or my rights. I did not authorize Covington Credit to release, transfer, or sell my personal information to National Credit Adjusters. The account was opened on XX/XX/XXXX, yet National Credit Adjusters updated the balance on my credit report on XX/XX/XXXX without providing any validation, notice, or proof of legal assignment.…

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Southern financial is willfully violating me as a consumer and federal law. They are harassing me for a debt I have told them was a result of identity theft because they had no authority to create any account nor permission to have my private information. They have sold the account to a collection company who is NOT furnishing it onto my report because they have been notified that it is a result of identity theft. They are still pursuing collection even after I have demanded them to cease all collection efforts and they no longer own this debt and its clear they are just wanting to harm me financially to coerce me into paying a debt I do not owe. They have no jurisdiction, but they are refusing to remove this from my credit file. I will be taking action and they will be held liable for violating the FDCPA, my consumer rights and federal law as a whole.

I am disputing the collection account with XXXX XXXX CVNGTNCRED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

QUICKCREDT is falsely reporting on my credit. I have never had any accounts with them. Per my research QUICKCREDT 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.

Heights Finance includes an XXXX arbitration clause in their loan contract, but they have not honored it. I initiated arbitration as required, and Heights Finance failed to pay the required XXXX business fees. Despite their refusal to follow the arbitration clause in the contract, they continued to pursue court action and wage garnishment against me. I recently went back to court asking the judge to honor the arbitration agreement and quash the garnishment. At the hearing, XXXX XXXX representative stated that I have not made any payments since the garnishment began. This was completely false. I have had XXXX months of bi-weekly garnishment payments taken out of my paycheck, and the court records show this. Their representative also told the court that they attempted to contact me using an outdated address and phone number that were never on my loan application. Their false claims have harmed me financially and personally. I am being denied housing due to the ongoing garnishment.…

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Ive repeatedly contacted Heights Finance about falsely reporting a substantial increase in balance due, and they have not corrected it with all credit bureaus, which is causing my credit score to drop with all credit bureaus. This situation is causing emotional stress because this has caused me to get denied for credit, due to an outstanding balance that doesnt exist. Heights Finance is reporting an increase in balance owe of {$120000.00} and I only owe close to {$13000.00}. Ive even spoken to the credit bureau in which they told me to contact Height to have them send an update for the month of XXXX to clear this update and they fell to do that as well. This matter needs to be investigated as soon as possible.

There was a Loan taking out in my name that I did not authorize or know anything amount. I tried to call the loan place to get a loan and they told me I already had a loan with them the lady provided me with all the information. I disputed it but its still reflecting on my account. I need this removed off my account as the loan is not mine. The loan was through heights finance for the amount of {$960.00}

XXXX XXXX XXXX- is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX- 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.

XXXX XXXX formally disputing the accuracy and legality of the charge-off accounts currently being reported on my XXXX credit report. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, 1 am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.…

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To Whom It May Concern : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am hereby providing formal written notice to immediately cease and desist all further communication with me regarding the collection of the above-referenced alleged debt. This request includes, but is not limited to, all written correspondence, telephone calls to my home, work, or cell phone, and any contact with my family members, friends, or employer. This letter is not an acknowledgment that I owe this money, nor is it a waiver of any of my rights under the FDCPA or any other applicable state or federal laws. The FDCPA specifies that once you receive this written notice, you may only contact me again for the following limited purposes : To inform me that your further collection efforts are terminated. To notify me that you or the creditor may invoke specified remedies which are ordinarily invoked by you or your company.…

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