Kauffman & Son

I bought a car from a small family dealership and made my payments on time, until my husband had a stroke, which left him blind in one eye, paralyzed and unable to properly communicate I no longer had use for a little seat sports car, so I returned it, in showroom condition, back to the dealership I NEVER heard anything more about the car...but I did find a buyer I sent the buyer to the dealership, but heard nothing Now, today, we are living on a small fixed income and I can hardly make ends meet...so, we first see this company appear on our credit report...we never heard of this company so we contested their entry on our credit report!! Next, we are blindsided by a call from Texas,(we live in Indiana)...this company is going to take my husband to court...in Texas..to get a judgement and come after our bank account, the car we drive (and owe more than it's worth)...and take anything they can get their hands on...without even showing us ANY paperwork to verify the amount they claim we owe!!! I questioned the amount...the car was in showroom condition and we bought it for less then the Blue Book Value!! We returned it years ago, and were never offered any paperwork on what happened to this car...nothing!!...I sent a buyer to the dealership, prepared to pay it off in full!!! After years, they just pop up, making all sorts of threats without offering to provide any financial statements stating what fees are owed...they just pulled an amount out and insisted we make arrangements to pay THEIR AMOUNT!! No way!! If I called anyone, and told them to pay an amount...wouldn't they want to see how they came up with that amount?? I think I am being reasonable to ask how they came up with their figure...why didn't they contact us within a reasonable amount of time....and what interest do they have in this car? The girl told us she was from the courts....and to expect my husband to be going to court over this....in TEXAS??? There is no way possible!! I am so stressed, I am considering borrowing money, not to give to them, but to hire an attorney to take legal action!!! They are unprofessional...they have no verification of this OLD debt...and the girl misrepresented herself to us...and they threatened us!! They are a scam operation, trying to get money from seniors and others!! I believe that car was sold and the finance company got their money!!! I would try look up the buyer I sent over to purchase that car....but after years, it will be difficult I am not sure how I will handle this...but beware of these scammers!!! They go after such old loans which makes it difficult for people to locate the records to prove defend themselves!!!

I received an alert that my credit score decreased due to increased debtThe credit reporting agency the alert came from was ExperianIn opening my alert, I saw where DeVille Asset Management company had filed an amount of $5,on my accountI have never heard of this company, never used this company, and I have never received any correspondence in terms or email or certified mail from this company to say I owe this debtI have tried several times calling this company only to be told by an automated voice system to please try back again or the number is no longer in service or this mailbox can not receive messages at this timeThe number listed on my credit report is as follows: ***I am trying to be patient but this is not rightI went further as to looking this company up on the internet and found at least other individuals have filed a complaint against this company for fraudelent collectionsThe stories are identical to mineThese people state that this co

So I called them to ask the original date of default of my loan which they purchased for collections from *** *** and they refused to give me the initial date which is required by FCRA They continually take the account off my credit score for a month then report it again they have done this for the past year

Was reported to credit bureau as outstanding debt from I have receved no notice or have been contacted from either DeVill Asset or ** *** I see that they have a history of this, so I need to make sure that this has not already been paid off

This charge off appeared on my credit report and I have never had an account with themIn January my employer sent all employees W-to a counterfeit site and exposed our personal informationThis account I believe is from that breach of securityI contacted *** to make them aware of this accountI have no recolition of this account and want it removed from my credit report
Here is what appears on my credit report, notice how it was opened in January and closed in February this year but claims to be a segment of a bankruptcy in
*** ***
COLLECTION/CHARGEOFFOther$
Status
Date Reported Feb 08,
Payment StatusCollection/Chargeoff
Account Status Paid
Amount Past Due Not Reported
Bureau Name *** ***
Original Lender ** *** *** CC
Account Number ***
Account Type Not Reported
Responsibility Individual
Credit Limit Not Reported
Highest Balance $2,
Date Account Opened Jan 10,
Payment Details
Amount Past Due Not Repo

I am filing a complaint on this company because they have no legal right to collect on this debtThey are not even registered to do business in LouisianaI requested validity of this account, but I never received anything from this company in returnThis company is illegally reporting derogatory information on my credit reportI want this company to Validate this debt and until then remove it from my crdit report

Deville Asset Management first sent a debt collection notice last yearI disputed the debt in writing and never heard anythingFast forward several months and they have popped up on all three of my credit reports and are making frequent phone calls to work and my personal cellThe debt is not valid, they have provided no documentation to support that the debt is validThey have my address yet never mailed anything to me to support the validity of a debtThey just go away for a few months and then come back thinking I have forgotten about themLeave me alone

So deville assets has showed up on my credit report from a past auto loan I called to receive information on the account and the person on the phone seemed to have a script to read from and there was only one line, “we will not give any information related to the account until the balance is paid in full.” Well if you can imagine , that conversation didn’t get me very farSo I dug into them to try to find a website or another number to get information and came across that they are being reviewed by the FBISo I dug some more and I’m a resident in ***Which *** requires all collections agencies to be licensed to collect any debtWhich after searching the SOS database for them , they are no where to be foundNot even a revoked licensesI have now filed a dispute and waiting for it to go through

I attended a semester at a private college in 2010-I went to a career school in 2012-and was told I previously had an account with the student loan servicer and this new loan would just tack onto the first oneI thought " this is great, I will only have one loan to pay." Fast forward to when I get a call from a woman screaming that I need to give her my social security number otherwise she was going to have to take legal actionWhen I blatantly refused, she became very irrate with me and kept wishing me good luck in courtI finally was able to find out some information from her where she told me because of a bookkeeping error at my initial school, I was found to owe about $I informed her this is the first I am hearing about it and that I do not understand why I have not received any communications until YEARS LATERShe continued to tell me she did not know and that was not her problem, I owe the money and I needed to pay or I was going to courtI demanded

There is no collections on my transunion account but there is on the EquifaxI disputed this once because it was a closed account and it was removedNow it is back and when I try to dispute it again I can’t because I do not have any information on the account

Requested verification from credit bureaus multiple times and received nothing but credit reports stating that the items were verified, but nothing showing how or who they verified this debtSent the collection agency Deville Asset Management letters also requesting them to validate the debt and to provide a contract that they were even allowed to collect on the supposed debt and most importantly provide a contract with my signature (wetink or electronic)Deville Asset continued to just send statements, which isn't a contract showing I opened the account

I rec'd a letter from DeVille Asset Management dated February 27, In return I submitted a letter via fax on March 19, and March 20, 2018(attached is my confirmation) the letter was also sent via snail mail on March 19, The letter stated that I needed validation that they were authorized to collect such debt and the name of the company claiming I owe this debtThere was never a response to this letterThe letter also states that if the office report invalidated information to any of the major credit bureaus that this action will constitute fraud under both Federal and State Laws and if any negative mark is found on any of my credit reports by their company that I won't hesitate to bring in legal actionThey had days to respond and here it is almost days later, I am notified of a credit alert on my credit report with Experian that DeVille Asset Management added a collection to my reportThis is FRAUDThis alleged collection needs to be REMOVED immediately fr

I checked my credit report and saw that my credit score has taken a huge hitWhen I looked into it, I saw:
*** *** *** #***
*** *** *** ***, ** ***
*** ***
Placed for
collection:
03/31/
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $4,
Date Updated: 01/10/
Original Amount: $4,
Original Creditor: PROSPECT EDU
LOT
(Educational)
Past Due: >$4,948<
Pay Status: >In Collections
I have never had a debt/loan through PROSPECT EDU and never received any communication from *** *** *** in regards to a debt going into collectionsI just barely found out about this debt and this creditor when I checked my credit report and it was already reported and had majorly affected my credit scoreThey reported this without contacting me in the first place about the debt/loan

This company has listed a non-existing debt on my credit report for *** ***I contacted the company by US mail and requested executed copies of documents and to date have not received themI have also forwarded copies of all my correspondence to Deville to ALL the credit reporting agencies I tried contacting Deville by phone and it a message then the call disconnectsI checked my credit report again on June 2, and found that Deville has now listed the debt as charged off; however, I have never hear from themI sent another correspondence to Deville and ALL the credit reporting agencies demanding that this adverse entry be removed from my report and my credit score restoredAt this time, two (2) of the credit reporting agencies are investigating

I just checked my credit score and noticed a collection report from DeVille Asset ManagementIt says the original account is more than several years oldI have NEVER received any communication from this companyNo phone call, no email, no snail mailQuite some time ago, I contacted the original creditor to pay this, they told me that the account was no longer in their hands and I had to wait for the new business to contact me...they never didNow, I noticed that this has been a negative on my credit score and was never contacted to correct this matterHow can I pay a bill that I've never received?? Very bad business

- Deville Asset Management agreed to do a credit deletion to remove the derogatory info that they submitted to all credit bureaus on June 15, A letter from Deville Asset Management confirming that this would be done was sent to me as well
- Credit deletion was done for Experian and TransUnionNone was done for Equifax
- I've tried reaching out to Deville Asset Management on multiple occasions but have been unsuccessful in doing soI've filed a dispute with Equifax but that did not help

this school is closed downI never had a balance on this accountI am not responsible for this balance

*** *** *** *** is reporting a collection on my credit reports that has not been verified, they are in violation of the FCRA federal law, I sent a certified letter requesting validation of the debt, which I do not owe, they are stating that I owe $17086.22to their companyThey have failed to send me a signed contract baring my signature binding me to their company, I also requested information regarding how much they paid for the contract*** *** sold this fraudulent account to *** on 1/02/2017! *** *** repossessed the car OCT and sold the car for $14,the remaining amount that I owed *** *** was $6,000! *** is attempting to collect on a fraudulent amountI do not owe them $17,when the car was sold at the auction! Also *** stated in writing the date of the first delinquency was 11/30/2016, which is incorrect, the car was sold at the auction in OCT *** is in violation of the they have not validated t

I have been making payments to DeVille Asset Management Ltd for a little over a yearMy initial encounter with this company was not pleasantI have been trying to better my credit score I went on *** *** and noticed this company on my reportI looked up the company as I was not contacted or received any information over this debt I contacted them to try and set a reasonable payment plan as I was straight forward with themThe gentlemen I had spoke to was rude and did not care for whatever I said unless it was me paying my full debtAgain, I was straight forward and didn't care for his attitude but my main goal was to eventually get this paid offA few months ago, I noticed one of my split payments had not gone through as it's an automatic paymentI called them and spoke to a lady, who was actually nice and tried to help, after a few exchanges as to my card information it was corrected and the payment went throughI had asked her to send me statements of my payments, I ha

*** *** ***, *** *** * ***, ***,*** *** *** *** ** ***” *** The basis for my dispute was required to notify me prior to 3/29/2017, or no later than days after
Section of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State
*** *** ***, *** *** * ***, ***,*** *** *** *** ** ***failed to notify me about reporting derogatory infoto Equifax, Experian, and Transunion In section 603(p) U.S.Css 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than days after , furnishing the negative derogatory information to a consumer reporting agency described in section (p),’ U.S.Css 1681s-2(a)(7)(B)