Unifin Inc.

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Are the phone numbers so far that have been texting me with fake debt collection notices. With the following text " This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. '' I continue to block and report. But the texts continue from new phone numbers. I don't use the " STOP '' function because I only received this number last year and I don't want to turn over to these spamers that this phone # is active.

I noticed that XXXX XXXX XXXX XXXXas reporting a delinquency on my credit report around 10 years ago. I reached out to them and told then that I did not and had not ever had an account with them. They stated that one of their mailers that included a ready to activate credit card had been called in by a MAN ( I am a woman ), giving the WRONG birthdate for me, he could not provide my social security number, and yet XXXX XXXX still allowed him to activate the card in my name. I requested the proof that I owed the debt, proof of application and proof of signed contract which they were unable to send and therefore did not. I requested they remove the account from my credit report which they also did not do causing harm to my XXXX XXXX for several years even though I disputed it with all three credit bureaus.XXXX XXXX XXXX then sold the collection to XXXXXXXX XXXX XXXX contacted XXXX XXXX telling them the same. It is not my debt.…

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This XXXX keep calling and harassing me, I dont even know what they are talking about. Disgusting behavior and disgraceful. They are nothing but XXXX that take advantage of peoples misfortune and sickness. I cant deal with this XXXX anymore, its destroying my health, I asked numerous times for them to stop but they dont care, I dont know what they keep harassing me, Ive told them that I dont know what they are talking about but they wont stop. They call everyday many times.

I received an account summary from Unifin dated XXXX. The letter was addressed to a name with a different middle initial than mine. It gave a Unifin reference number, original account number, current creditor, original creditor, debt description which just repeated the creditor 's name, and itemization date of XXXX, the original balance in XXXX of {$29000.00}, and total amount of debt now {$58.00}, XXXX. The letter asked for payment of {$29000.00} to resolve my account in full. Their letter states to call or write to them by XX/XX/XXXX to dispute the debt and that they would send information to show that I owe the debt and that they would must stop collection until they send me that information. I do not recognize this debt and do not think it is mine, especially because the name the letter was addressed to does not match mine. I filled out the bottom form on the letter where I checked boxes disputing the debt because it was not mine, and asked for more details about the debt.…

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I have received repeated text messages from a company identifying itself as Unifin stating that it is a debt collector attempting to contact me regarding an alleged debt. The messages include a reference number and a phone number to call regarding the account. The messages were sent from different phone numbers but contain the same reference number and instructions to contact the company. I did not provide consent to receive collection messages by text and the debt referenced in the messages has not been validated. I have requested verification of any alleged debt and have disputed accounts appearing on my credit report. Despite this, I continue to receive text messages attempting to collect a debt. Under the Fair Debt Collection Practices Act, debt collectors must provide proper validation of a debt and must not engage in misleading or harassing communication practices.…

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I am filing a complaint regarding Unifin , Inc. concerning an alleged XXXX Credit Card account originally issued by XXXX XXXX XXXX XXXX and currently claimed to be owned by XXXX XXXX XXXX XXXX. On or about XX/XX/year>, I received an unsolicited email from Unifin attempting to collect approximately {$1200.00} on this alleged account. I do not recognize this creditor or this account and have no knowledge of any XXXX credit card issued by XXXX XXXX XXXX XXXX. I have not received prior written notice of this alleged debt by mail. I am concerned this may be a case of mistaken identity or potential identity theft.…

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Phone calls from Unifin started last XXXX. It continued for a while and then switched to text messages and I still receive them almost daily. They are vague and just have a persons name, phone number, reference number and link. I have never picked up a call or responded to a text or clicked any links or called any numbers. I dont want them to verify that I am a real person. I have just ignored all of them. I have no debt on my record and have a great credit score. So I dont know how to stop it. Example text : This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXXXXXX or XXXX ChargesMayApply Reply STOP to stop texts.

I am writing to formally dispute an account that appears on my credit report which does not belong to me. The account information is as follows : Creditor Name : Unifin Account Number : XXXX Date Reported : XX/XX/year> I do not recognize this account and have never opened or authorized it. Please investigate this matter and remove this account from my credit report as soon as possible. If additional documentation is required to process this dispute, please let me know. I request written confirmation once the investigation has been completed.

I have been receiving communication over the last several weeks from XXXX regarding someone elses debt. I have never had a kohls card, my name is not the person listed, and I dont know that person. Yet they continue to contact me after I asked them to remove my information from their database. I have blocked their email and they have sent emails, text messages, and their emails are now showing up in the junk section of my email. This is the latest message from XX/XX/year> at XXXX XXXX : Company Logo XXXX XXXX Regarding : XXXX CREDIT CARD account Reference : XXXX Unsubscribe Unlock your savings now. Hello there XXXX XXXX, This message is meant to reassure you that youre not navigating this alone, support and resources are available. Inside your account portal, youll find your total balance of {$3800.00} paired with XXXX options intended to support manageable next steps.…

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I was sent a letter by Unifin as a third party debt collector for XXXX XXXX XXXX XXXX. They have previously tried to collect a unethical debt and was disputed successfully. Now they are trying to use another XXXX party to collect a debt that was not only the wrong amount, but also charged off by the original creditor XXXX XXXX XXXX. They are trying to say I owe in the amount of {$15000.00} even thought the debt was charged off with a balance of {$8000.00}. The vehicle was sold for the amount of {$15000.00}. I do not owe that amount and it was also charged off. Now there are third party XXXX trying to send me letters that the wrong amount is owed. Their debt collection tactics are unethical and will find any way possible to scheme individuals thinking that they owe a debt no longer owed by them.

To Whom It May Concern, I am filing a complaint because I am being contacted about a debt that is not mine. I have been receiving repeated text messages and daily phone calls from a company calling itself Unifin about a personal loan I do not owe. Sometimes they contact me multiple times a day. When I checked my credit report, I saw a collection account listed for a XXXX Personal Loan under the name XXXX XXXX XXXX for {$4400.00}. I did not open this account, and this debt does not belong to me. I am formally disputing this debt. I am requesting that : All calls and text messages stop immediately. This is a Cease & Desist notice, stop all collection activity on this account The account be removed from all credit reporting agencies. I receive written confirmation once this is resolved. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

STOP CALLING. STOP TEXTING. STOP HARASSING. STOP IT! STOP CALLING. STOP TEXTING. STOP HARASSING. STOP IT! STOP CALLING. STOP TEXTING. STOP HARASSING. STOP IT! These people constantly call my home phone, text, and contact others and willingly blurt out the last 4 of the SSN of the person they are looking for. I have told them REPEATEDLY to STOP calling my home and cell. They claim to want to " verify '' someone but if I am not the person you need to speak with and someone asking who they are and what company, they shouldn't be giving me the last 4 of someone's SSN immediately. " Is this ( person A ) with the last 4 of your social security number being XXXX? '' That is crazy to be the first thing asked to verify someone BEFORE they are even verified. I don't owe them anything or have know knowledge of any accounts being in collections. I did dispute something with XXXX and it was found to be inaccurate so it was swiftly removed from my credit reports.…

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At least twice per week for at least XXXX months i've been receiving texts from Unifin with a link to pay a debt. The link takes me to a confirmation screen that does show my correct legal name. I don't confirm or proceed as I believe it to be a scam. I've checked my credit reports multiple times and I have no outstanding unpaid debt or nothing sent to collections. The link bings me to uoffer.unifininc.com If I try to access from a direct inquiry vs. the link it appears I have no open file. The most recent text is from XXXX I report and block each time but the texts continue.

b'I keep getting daily phone calls about a debt for someone other than myself. I have asked to not be called and made the company aware that I am not the person they are trying to reach and asked to be removed from their call list but continue to receive daily phone calls about debt collection for an unknown person. The phone number they continue to call is XXXX XXXX XXXX and it belongs to myself and not the party they have listed in their records despite me advising them this they continue calling and harassing me.'

I am disputing a debt reported by Unifin, with XXXX XXXX XXXX listed as the current creditor and XXXX XXXX XXXX XXXX as the original creditor. The alleged balance is {$9600.00}, and the stated default date is XX/XX/year>. I have no knowledge of this debt and do not believe it belongs to me. To my recollection, this debt has never appeared on my credit report, and I have only recently started receiving collection letters about it. I have never received any prior notice or validation from any creditor or collector before these recent communications. Given the age of the alleged debt and the lack of any prior notification, I request that your office assist in investigating this matter. I am requesting that this debt be formally investigated and that the collector provide verification of its validity.…

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I acknowledge the underlying debt exists, however the balance being reported is inaccurate. The original creditor ( XXXX ) reported a charge-off amount of {$3500.00}, while the collector ( XXXX XXXX XXXX is reporting {$3900.00}. I have not been provided documentation showing how this higher amount was calculated. In regards to the collector they have reported to my credit as a duplicate entry and has since then been removed by one credit bureau.

They emailed my father and tried to get him to pay for the debt. Told him the exact amount that was owed and offers him solutions to take care of the payment. How they got my fathers information is beyond me and is extremely concerning. I am not a minor I am XXXX XXXX XXXX. Reaching out to a family member to attempt to collect a my personal debt is from what I understand to be breaking the law.

Starting on XX/XX/XXXX, company The Unifin Team sent me XXXX emails addressed to XXXX XXXX XXXX. Emails included debt information, original creditor and amount information, and account information. The Unifin Team PH : XXXX Reply to this email or email us at XXXX Send letters to : Unifin , Inc. P.O. XXXX XXXX, IL. XXXX

CFPB CONSUMER COMPLAINT Consumer : XXXX XXXX XXXX : Unifin , Inc. Date : XX/XX/year> I am submitting this complaint regarding debt collection communications I received from Unifin, Inc. via text message identifying itself as a debt collector. I have not received a written validation notice containing the disclosures required under the Fair Debt Collection Practices Act. After receiving the text communication, I sent a written request for debt validation pursuant to 15 U.S.C. 1692g. As of the date of this complaint, Unifin has not provided documentation validating the alleged debt or demonstrating its authority to collect. Applicable Law 15 U.S.C. 1692g Requires debt collectors to provide written validation and cease collection until validation is provided upon timely request. 15 U.S.C. 1692c Governs communication practices and consumer rights to limit contact. 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of any debt.…

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Unifin/XXXX I received text messages multiple occasions prior and including XXXX XXXX XXXX from UNIFIN regarding a debt that is past the SOL. the notice clearly stated that eventhough the debt is expired, making a payment may restart the time or revive the statue of limitations. and furthermore i never provided consent to send electronic messages to me.

This company has been contacting me for the past two months. I sent a debt validation letter XX/XX/XXXX they ignored and continued to text me. The second letter sent XX/XX/XXXX was received today as proof is attached to this complaint, they received a letter today at XXXX XXXX and sent me a text message at XXXX XXXX asking for payment. All documents are attached.

COLLECTION OF FRAUDULENT DEBT - CREDITOR HAS ACTUAL KNOWLEDGE DEBT WAS PAID IN FULL BACKGROUND : I paid XXXX XXXX XXXX account # XXXX in full on XX/XX/XXXX, XXXX Credit One 's XX/XX/XXXX statement shows : Payment received : {$2200.00} ( XX/XX/XXXX ) New Balance : {$0.00} Minimum Payment Due : {$0.00} Account status : CLOSED XXXX XXXX then fraudulently reversed my payment in XX/XX/XXXX with an unauthorized " ADJUSTMENT-PAYMENTS '' entry, charged off the account XX/XX/XXXX, and sold the fraudulent debt to XXXX XXXX XXXX XXXX XXXX 'S ACTUAL KNOWLEDGE : I filed CFPB Case XXXX on XX/XX/XXXX disputing this fraudulent debt. On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX 's servicer ) responded to that complaint. Their response included XXXX XXXX Bank statements that PROVE the debt was paid to {$0.00} in XX/XX/XXXX. XXXX now has actual knowledge this debt was paid in full. Their own validation response proves it.…

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I am filing this complaint against the above debt collector for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company has contacted me regarding an alleged debt. I timely requested proper debt validation in writing. To date, the company has failed to provide competent validation proving that I owe this debt, that they have legal standing to collect it, and that the amount being claimed is accurate. Despite failing to validate the debt, the company continues to attempt collection and/or report the account to consumer reporting agencies. This constitutes continued collection activity without validation, which is prohibited under the FDCPA. Additionally, any credit reporting associated with this account is inaccurate and unverified. Reporting a debt without proper verification violates the FCRA and causes direct harm to my credit profile and financial standing. I dispute this debt in its entirety.…

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On XX/XX/XXXXXXXX XXXX XXXX I disputed the above-referenced account with Unifin Inc , demanding that they provide me with some kind of identification and/or signed contracts and contact information to legally support their {$5700.00} debt they claim I against me.I never got a response from Unfin Inc with the requested information Around XX/XX/XXXXXXXX XXXX XXXX I recieved 2 letters from Unifin, Inc. attempting to collect this debt. One of the letters date back to the month of XX/XX/XXXX, when another company, XXXX XXXX XXXX was reporting missed payments on my credit profile. That negative activity has significantly affected my personal and professional life. To date, XXXX XXXX XXXX XXXX is STILL reporting this account on my credit profile. Despite my efforts to resolve this matter directly with Unifin , Inc and the issue has not been resolved. This company has failed to respond adequately and continues to engage in predatory conduct.…

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I keep getting text messages from Unifin in regards to a debt. When I click the link in the message I get redirected to there website. Once there, a message pops up asking if im XXXX XXXX. I click the no button and nothing happens. I tried calling the phone number included in there messages. I explained the issue and was hung up on.

XXXX XXXX XXXX IS FALSLY REPORTING AND SENDING THREATENING MAIL USING A DIFFERENT COMPANY NAME THAT IS ALSO A COLLECTION AGENCY NAMED UNIFIN! FOR A CREDIT CARD THAT WAS CLOSED AND CHARGED OFF DUE TO THE COVID 19 PANDEMIC FINANCIAL HARD SHIP! THEN SOLD TO COLLECTION AGENCIES IN ADDITION XXXX XXXX XXXX IS ALREADY REPORTING

I recieved a letter dated XX/XX/XXXX from Unifin, Inc.concerning a alledge debt owed to them ref # XXXX. On XX/XX/XXXX An attorney representing me sent Unifin a cease and desist letter concerning contacting me. On XX/XX/XXXX I recieved a letter from Unifin trying to collect on same alledge debt ref # XXXX. This violates the Fair Debt Collection Practices Act ( FDCPA ), breaking the law by ignoring my request to stop communication.They are also breaking FDCPA rules against harassment.

Unifin is texting me and calling me about debt by a number I dont know of and multiple different numbers since XXXX. XXXX XXXX XXXX XXXX, they are calling me and have been building up debt before sending mail out making me aware of the fare build up This all started happening once I got a job as if they waited till I had income to make me aware of them building debt

I received a letter in the mail to my address in my estranged sister 's name on XX/XX/XXXX. I returned it with a note " Return to Sender- does not live here ''. When I researched the return address, XXXX XXXX XXXX XXXX, IL XXXX, it comes up as Unifin, Inc. which is a debt collector. My sister has never lived at my home and my address was never listed as a legal address for her. On XX/XX/XXXXXXXX at XXXX XXXX, I received a phone call to my cell phone number from XXXX. When I answered, they asked for my sister. I told them they had the wrong number and to please remove my number from the list. Out of curiosity, I called the number back today and they advised after some pressure that the company I was calling was Unifin , Inc. I'm not sure how this debt collector managed to find my home address and cell phone number ; but they are collecting a debt from my sister, who I have no relationship with, not from me.…

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A company that identifies themselves as Unifin sends repeated text messages that read This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. They do this roughly once a day, and from different phone numbers constantly. Some light research showed me other people were getting this scam too, so I have not interacted with it at all besides reporting it as spam. I know I have no debt, and have not seen any impact on my credit, and the company has failed to address me by name, so I am relatively certain this is a scam to steal peoples identities.