Possible Financial Inc.

Ive been tryin to reach out to possible finance for months. Regarding this matter they put on my credit I tried calling emailing and they have a bot that answers there email I havent received nothing back I sent in all my information and as well as Emailed and mailed the information that was needed to rest my case of fraud. They put the account beck on my credit and wont explain why i tried to contact the credit bureau nothing they said contact them how do they response to the credit bureau but wont respond to me? I attached Again my fraud alert FTC

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Formal Notice of Consumer Complaint To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Iowa XXXX, IA XXXX From : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OK XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX RE : Consumer Complaint against XXXX XXXX XXXX for Failure to Respond to Identity Theft Dispute and Deletion Demand XXXX Summary I am filing a formal complaint against XXXX XXXX XXXX for failing to investigate and respond to a documented identity theft claim. On XXXX XXXX, 2026, I sent a formal notice of dispute directly to the company outlining that an account opened in my name was completely fraudulent. Possible Financial Inc. has failed to provide a written response, update the account status, or confirm deletion within the mandatory XXXX statutory window, in direct violation of the Fair Credit Reporting Act ( FCRA ). Respondent Information Company Name : Possible Financial Inc.…

I am filing this complaint against Possible Finance due to failure to timely process my ACH revocation, delayed responsiveness, and conduct that is placing me at risk of further financial harm. I provided formal advance notice revoking ACH authorization for this account several days before my payment due date. I made my instructions clear that I no longer authorized electronic withdrawals from my bank account. Instead of promptly confirming that revocation, Possible Finance delayed the matter, requested identity verification, which I complied with, and still failed to provide timely written confirmation that my ACH authorization had actually been revoked. Meanwhile, my payment due date is now imminent, and I continue receiving payment reminder communications while this issue remains unresolved. This is unacceptable.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law. XXXX XXXX

I have reviewed the response provided by Possible Financial regarding my account. While Possible confirmed that all required payments were completed, their response does not sufficiently support the negative reporting of this account as charged off. The documentation provided shows that : All scheduled payments were made and completed The loan balance was satisfied in full However, Possible has not provided : A clear explanation of when or why the account was considered delinquent Documentation showing missed or late payments Justification for reporting the account as charged off despite successful repayment If all payments were completed as agreed, the reporting of this account as charged off appears inaccurate or misleading.

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

I am writing to formally request Validation of the debt you claim I owe, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. In accordance with these regulations, I am entitled to receive specific documentation related to the debt in question. Please provide the following : XXXX. Original Contract : A copy of the original signed agreement between myself and the creditor. XXXX. Detailed Itemized Bill : An itemized statement detailing all charges, fees, and payments made to date, clearly outlining how the current amount due was calculated. XXXX. XXXX Entry : Proof of the bookkeeper entry that reflects how the stated debt amount was determined. XXXX. Chain of Assignment : Documentation showing the complete chain of assignment or transfer of this debt, including how you acquired it from the original creditor.…

This company is committing fraud against the IRS and U.S government. The company claims that my account is charged off and/or in collections, however I never received a 1099c for the account. When a debt is charged off that means the creditor is claiming to have written off the debt on their taxes and received a profit. It is illegal to continue reporting the account on my personal credit reports because charge offs are considered income by the IRS. Income is forbidden to be on a consumers credit report according to 15 USC 1681 ( 2 ) ( a ) ( i ). Furthermore, I have a right to privacy and I consider this income as private information, therefore this account must be removed immediately. This company is also in violation of the following : 15 USC 1692c 15 USC 1692g 15 USC 1681 e ( b ) 15 USC 1635

I am disputing the inaccurate reporting and deceptive collection attempts for Possible Financial ( Account # XXXX ). XXXX reports this account was " Charged Off '' as of XX/XX/year>. However, on XX/XX/year>, I received a solicitation from " XXXX '' attempting to settle a {$500.00} balance for {$250.00}. This constitutes deceptive reporting and a violation of the FCRA. I have not been provided a validation of debt or proof of legal assignment.

I recently reviewed my credit report and discovered a collection account listed as POSSIBLEFINA XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

I opened an installment loan with Possible Financial Inc. in XX/XX/XXXX with an original balance of approximately {$70.00}. The account is now being reported as charged off with a current balance of {$87.00} as of XX/XX/XXXX. I dispute the accuracy, completeness, and verifiability of this account as it is currently being reported. The increase in the reported balance has not been properly explained or substantiated with any itemized breakdown of fees, interest, or charges applied to the account after origination or prior to charge-off. Despite repeated reporting to consumer credit bureaus, Possible Financial Inc. has not provided documentation sufficient to verify the accuracy of the amount being furnished, including a full account ledger or detailed explanation of how the current balance was calculated. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be fully accurate, complete, and verifiable.…

Possible finance is falsely reporting on my credit. I have never had any accounts with them to my knowledge. per my research Possible finance is online loan company that is not a debt collector. They are falsely reporting on my credit! Account XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S. Code 1618d- disclaimer of investigation consumer report, you are in violation.

During XXXX I was going through a financial hardship with my rent & my income where I wasnt earning enough funds. I would borrow loans & credit with XXXX. However I wasnt able to pay it off & asked to reduce my payment but was rejected due to my hardship & needed to pay full payment.

CFPB, I am writing to formally notify you that I am currently receiving charge-off notices from Possible Finance regarding my account. This is deeply concerning, as my final payment has already been successfully processed and posted to my bank account. Specifically, the payment in question was completed and reflected on XX/XX/XXXX. I have both the transaction record from my bank and corresponding confirmation indicating that the payment was made and received. Despite this, XXXX XXXX continues to act as though the balance remains outstanding and is now attempting to classify the account as a charge-off. I anticipate that Possible Finance may dispute my claim ; however, the documentary evidence, including the payment posting date and confirmation records, clearly demonstrates that the obligation has already been satisfied.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I had a loan with the initial due date as XXXX. Due to me losing my job I was not able to make the payment. The loan was passed due for the XXXX payment. I was able to make a payment on XX/XX/XXXX. Due to the loan being in past due status it would not let me pick a payment to make, I was only given the option to just make a payment with my debit card. Once I made the payment the account updated showing I still hadn't made the XXXX payment, which is weird because usually when you are behind on an account the payment goes towards the past due balance, not a future payment. I contacted support and advised the rep that I need that payment to be applied to the past due balance which would stop the account from going into collections. I was told they could not refund the payment so that it can be applied to the payment that is 20 days past due. Instead he insisted that I make another payment by XX/XX/XXXX, which is a duplicate payment.…

I am filing this complaint against Possible Financial I company for unlawfully reporting and collecting on an alleged debt that has never been verified, validated, or proven to be legally collectibleXXXX is currently reporting an alleged balance of {$140.00} ( Account XXXX. XXXX ) on my consumer credit reports. This account is inaccurate, unverified, and I have reasonable cause to believe it is past the applicable statute of limitations.On XX/XX/XXXX, I sent a formal Cease and Desist and Debt Validation Letter to XXXX XXXX XXXX via XXXX Certified Mail. In that letter, I demanded that XXXX : Immediately cease all collection activity on this account ; Provide complete and legally sufficient written validation of the alleged debt ; and Remove this account from my consumer credit reports with XXXX XXXX XXXX XXXX. As of the date of this complaint, Possible finanicial I has failed to respond in any way. They have not provided validation. They have not ceased reporting.…

Validation of Debt Request - POSSIBLE FINANCIAL I - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Validation of Debt Request - POSSIBLEFINA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am trying to dispute this account with Possible Financial Services for inaccurate information.

Formal Dispute of Account Possible Financial Inc Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity and reporting of the above-referenced account listed on my credit report. Under my rights pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), I am requesting a full investigation of this account. I have reason to believe this account is inaccurate, incomplete, or otherwise unverifiable. Specifically, I do not recall ever providing written authorization or consent for Possible Financial Inc to obtain, access, or furnish any of my personal information to any third party, including your agency. As such, this raises serious concerns regarding the permissible purpose under 15 U.S.C. 1681b. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy when reporting consumer information. At this time, you have failed to demonstrate that this account meets that standard.

Whom It May Concern, I am writing to formally dispute the reporting of an account listed under POSSIBLE FINANCIAL INC on my credit report. The account reflects the following information : Balance : {$870.00} Remark : Account charged off {$870.00} written off {$870.00} past due as of XX/XX/2026 This reporting appears inconsistent and inaccurate. If the account has been charged off and written off, it should not continue to reflect a past-due balance of {$870.00}. Reporting a balance as both written off and still past due is contradictory and misleading, which does not comply with the Fair Credit Reporting Act ( FCRA ) requirement that information reported must be accurate and complete. Additionally, the continued reporting of this account as both charged off and actively past due is negatively impacting my credit profile.…

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year>XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report. Creditor : Possiblefina Account XXXX : XXXX This account is being reported as a collection and charged-off debt. I dispute the accuracy and completeness of this listing. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you conduct a reasonable investigation and verify the following : XXXX. The original signed contract bearing my signature XXXX. Complete chain of assignment showing how XXXX XXXX obtained this account XXXX. The original account balance and full payment history XXXX. Proof that the debt is legally collectible and within the statute of limitations If you can not verify this information with competent evidence, the account must be deleted from my credit file pursuant to FCRA 1681i ( a ). Please send me written confirmation of the results of your investigation.…

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.