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Debt collection

Attempts to collect debt not owed

Consumers have filed 504,777 complaints about this, 140,962 in the last 12 months (+27%), against 3,725 companies. The most complained-about is CL Holdings. Companies closed 27% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Debt is not yours288,79357%
  • Debt was result of identity theft146,12329%
  • Debt was paid56,58211%
  • Debt was already discharged in bankruptcy and is no longer owed13,2793%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 14, 2026TransUnionDebt collectionAttempts to collect debt not owedDebt is not yoursFLIn progressYes
Nov 14, 2026TransUnionDebt collectionAttempts to collect debt not owedDebt is not yoursCAIn progressYes
Nov 14, 2026ExperianDebt collectionAttempts to collect debt not owedDebt was result of identity theftGAIn progressYes
Nov 14, 2026TransUnionDebt collectionAttempts to collect debt not owedDebt is not yoursORIn progressYes
Nov 13, 2026TransUnionDebt collectionAttempts to collect debt not owedDebt was result of identity theftCAIn progressYes
Nov 13, 2026TransUnionDebt collectionAttempts to collect debt not owedDebt was result of identity theftCAIn progressYes
Nov 13, 2026Kriya CapitalDebt collectionAttempts to collect debt not owedDebt is not yoursFLIn progressYes
Nov 13, 2026Kriya CapitalDebt collectionAttempts to collect debt not owedDebt is not yoursLAIn progressYes
Nov 13, 2026Kriya CapitalDebt collectionAttempts to collect debt not owedDebt is not yoursTXIn progressYes
Nov 13, 2026TransUnionDebt collectionAttempts to collect debt not owedDebt is not yoursNCIn progressYes
Nov 13, 2026Bank of AmericaDebt collectionAttempts to collect debt not owedDebt is not yoursMAIn progressYes
Nov 13, 2026U.S. Auto CreditDebt collectionAttempts to collect debt not owedDebt was paidSCExplainedYes
Nov 13, 2026Kriya CapitalDebt collectionAttempts to collect debt not owedDebt is not yoursCAIn progressYes
Nov 13, 2026Love, Beal & Nixon, P.CDebt collectionAttempts to collect debt not owedDebt is not yoursOKExplainedYes
Nov 13, 2026Bank of AmericaDebt collectionAttempts to collect debt not owedDebt is not yoursILIn progressYes

Your rights with debt collectors

Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.

Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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