Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I tried to get a personal loan in my name last few days ago and I got denied. When I got a copy of my credit report, I saw things on there that were inaccurate. Inquiries that are not mine were on my report as well as accounts that I never opened, addresses I never resided and variations of my name such as ***** * ******** ***** * ********** ***** ******** ***** ********. I also found this account that I believe not mine:
  
  Acct name: DNF ASSOC (Original Creditor: ** ******* ***** ** **)
  acct no. ****************
  date opened 11/01/2024
  balance $1,565.00
  
  I am not liable for this debt and I do not have a contract with:
  Company: DNF ASSOCIATES
  Address: **** * ****** **** ***** *** ********** ** ***** Tel No: ***** ********
  Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB.
  
  Please delete this account from my credit report at once. Any questions or concerns I can be reached at *** ********* ** ******** ** ********** and email at ***********************.
  
  I need a response from the company.

  

  Business Response

  Date: 06/13/2025

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response.  Upon receipt of the complaint, the Account in question was placed in a temporary cease status. To clarify; DNF is a passive debt buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts.  We do not have the ability to open lines of credit nor perform collection services or accept payments.   Ms. ********** ************* ** ** account ending in **** (Hereinafter, "the Account") was purchased from ******* ****** in October of 2024.  The Bill of Sale from that purchase, along with a letter sent to Ms. ******** advising her of the sale has been attached to this response.  The ******* ****** Account agreement is also attached, I have circled the section "Transfer and Termination of your Account", below in an excerpt: We may assign your Account or amounts you owe on your Account to any other person at any time and the assignee will take your place under the Agreement with respect to all agreements and interests transferred.  You must pay the assignee and otherwise perform your obligations under the assigned agreements and interests. The Account in question was opened with Ms. ********' social security number, birthdate, email address of ********************** and mailing address of *** ********* ** ******* ** ****** The Account was opened on 11/20/2022 and was charged off due to delinquency on 09/26/2024 with a balance of $1,565.49.  The last payment and or credit applied to the Account was on or around 04/23/2024 in the amount of $268.55.  Billing statements to support this have been attached to this response. On 12/18/2024, DNF Associates, LLC placed a ********* on Ms. ********** ***** ***** credit report.  As a passive debt buyer and current creditor of the Account, DNF Associates, LLC hold the right to do so in accordance with 15 U.S. Code 1681b: "1681b. Permissible purposes of consumer reports (a) In general Subject to subsection (c) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (3-A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review of collection of an account of, the consumer." Because of the extensive account history and the information being linked to Ms. Repress, we do not find the Account to be invalid in nature and we find no error in our reporting.  The account in question is updated as "dispute" as required by the Fair Credit Reporting Act (FCRA). If Ms. ******* would like to discuss how to resolve the amount owed, she may contact our office during business hours, and we will place the Account with a Third Party collection agency to collect on our behalf.   Thank you for the opportunity to address how to resolve this matter.  If we can be of any further assistance to your Organization, please do not hesitate to contact me at **********Sincerely, David. ******************* 

• Initial Complaint

  Date:06/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have discovered a few days ago upon checking on my credit report that someone had been changing my information eg. address to different addresses and also inquiries were made without my knowledge. I also found unknown accounts that I never opened. I have contacted the creditor in regards to this situation & they are requesting that I fill out a full packet to show cause. I also found this account that I believe not mine:
  
  Acct name: DNF ASSOC (Original Creditor:  ************)
  acct no. ****************
  date opened 03/01/2024
  balance $1,587.00
  
  I am not liable for this debt and I do not have a contract with:
  Company: DNF ASSOCIATES
  Address: **** * ****** **** ***** *** ********** ** ***** *** *** ***** ******** 
  Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the  bureaus and the authorization for release of information. I also filed complaints thru CFPB.
  
  Please delete this account from my credit report  at once. Any questions or concerns I can be reached at *** ** **** ****** *** ** ******** ** ***** and email at ******************** 
  I need a response from the company. 

  

  Business Response

  Date: 06/13/2025

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status.  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments.  Ms. ********** account **** * ******* * ****** account ending in **** (Hereinafter, "the Account") was purchased from *** **** ** ******** ****** in February of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** * ******* informing Ms. ******** of the sale.  The Account in question was opened with Ms. ********** social security number, birthdate, email address of ******************** and a mailing address ** ********* *** *** ********* **  *****  The Account was opened on 09/11/2022 and was charged off due to delinquency on 01/15/2024 with a balance of $1,587.45. Billing statements to support this have been attached to this response.  On 04/18/2024, DNF Associates, LLC placed a ********* on Ms. ********** ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b:  "S 1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances and no other:  (3-A) intends to use the information in connection with a credit transaction involving   the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  We have updated Ms. ********** credit report as "DISPUTED” as per the Fair Credit Reporting Act (FCRA).  If Ms. ******** would like to discuss how to resolve the amount owed, She may contact our office, and we can place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************.  Sincerely,David ************

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an account with ****** Credit card. I misplaced the card, so I can not give you the card number. I was told that the card went into collection. Meanwhile, I paid the card off. I am thinking it was not reported to ****** (******* Credit Card). I was given the phone number ###-###-####, and there I spoke with a rep who stated he could not find my account. The rep gave another phone number, ###-###-####. It's a recording. I can never speak to anyone. I gave my Social Security Number. The recording states they do not have my account. I have gone back in forth with ****** Credit Card. Another number is ###-###-#### . I just want to resolve this problem I am having, but getting the run around. Not sure what other information you need. I asked for the account number, but was told to only give my social security number. I will give it if you ask for it. I am unable to provide the correct amount. I am thinking they said $600.

  

  Business Response

  Date: 06/04/2025

  Ms. *******, The account in question has been Paid in Full since 2022.

  Customer Answer

  Date: 06/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards, *** *******

• Initial Complaint

  Date:06/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I pay the debt off from my **** account. To ******** ********** I paid $1500 2months ago. Then on 6/1/25 collection account showed up my credit report for this company!! I emailed them telling them I have proof that the debt was paid in full no email back. I need this off my credit report!

  

  Business Response

  Date: 06/25/2025

  The account was deleted on 6/18/2025.

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Best Egg. I do not have a contract with DNF associates. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 05/19/2025

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status.  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments.  We do not have a "**** **** account for Ms. ******* that she states in her complaint.  Ms. ********* account is a **** * ******* * ****** account ending in **** (Hereinafter, "the Account") was purchased from *** **** ** ******** ****** in October of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** * ******* informing Ms. ******* of the sale.  The Account in question was opened with Ms. ********* social security number, birthdate, email address of ********************* and a mailing address *** ********** *** * ********* ** *****.  The Account was opened on 01/22/2024 and was charged off due to delinquency on 09/03/2024 with a balance of $3,620.93. Billing statements to support this have been attached to this response.  On 12/18/2024, DNF Associates, LLC placed a ********* on Ms. ********* ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b:  "S 1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances   and no other:  (3-A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  We have updated Ms. ********* credit report as “DISPUTED” as per the Fair Credit Reporting Act (FCRA).  If Ms. ******* would like to discuss how to resolve the amount owed, She may contact our office, and we can place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************.  Sincerely, David ** ******  Chief Compliance Officer

• Initial Complaint

  Date:05/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The reported debt contains incorrect information, making it invalid and disputable. 

  

  Business Response

  Date: 05/16/2025

  DNF Associates, LLC (Hereinafter, “DNF”) has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments.  Ms. ******** **** * ******* * ****** account ending in **** (Hereinafter, "the Account") was purchased from *** **** ** ******** ****** in August of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** * ******* informing Ms. ****** of the sale.  The Account in question was opened with Ms. ******** social security number, birthdate, email address of *********************** and a mailing address of ***** ** ******* * ********* ** *****.   The Account was opened on 03/31/2023 with regular monthly payments applied and was charged off due to delinquency on 07/07/2024 with a balance of $2,708.64 Billing statements to support this have been attached to this response.  On 10/14/2024, DNF Associates, LLC placed a ********* on Ms. ******** ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b: "S 1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances and no other:  (3-A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  We have updated Ms. ******** credit report as “DISPUTED” as per the Fair Credit Reporting Act (FCRA).  If Ms. ****** would like to discuss how to resolve the amount owed, She may contact our office and we can place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************.  Sincerely,  David ** ****** Chief Compliance Officer

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The inaccuracies in this account affect the legitimacy of the debt

  

  Business Response

  Date: 05/16/2025

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments.  Ms. ********* **** * ******* * ***** **** ********* account ending in **** (Hereinafter, “the Account") was purchased from *** **** ** ******** ****** in May of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** * ******* informing Ms. ******* of the sale.  The Account in question was opened with Ms. ********* social security number, birthdate, email address of *********************** and a mailing address *** ******* * *********** ** ******  The Account was opened on 11/08/2022 with regular monthly payments applied and was charged off due to delinquency on 04/15/2024 with a balance of $1,818.21. Billing statements to support this have been attached to this response.  On 07/15/2024, DNF Associates, LLC placed a ********* on Ms. ********* ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b: "S1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances and no other:   (3-A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  We have updated Ms. ********* credit report as "DISPUTED" as per the Fair Credit Reporting Act (FCRA).  If Ms. ******* would like to discuss how to resolve the amount owed, She may contact our office and we can place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************.  Sincerely,  David ** ******  Chief Compliance Officer

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The first time I ever heard of this company was when I was alerted that something was added to my credit report.I contacted TransUnion about the validity of this item and received no just explanation. I then sent a certified letter in Dec 2023 to DNF to validate the item posted on my report.I received no response. I then contacted TransUnion again in Jan 2024 and they won't give me any copies of the disputes I submitted unless requested by an attorney because DNF filed a civil lawsuit in Oct 2024.TransUnion removed the item off my report on 8/8/24 because they never received validated the debt.DNF filed a civil suit in Oct 2024 eventhough they never validated the debt and it was removed! Now DNF continues to bombard me with requests that they're not entitled to because they violated FDCPA.They have violated FDCPA and still persist on pursuing a civil case against me.I'm 64 and this situation has brought many sleepless nights for me.I sent the discovery responses letting them know they never validated the debt and I'm still being harassed.I purchased a legal plan that I didn't need to help me with this however there are no lawyers in my area to assist.I contacted a pro Bono agency and my case wasn't selected.I need this business to drop the civil case and let me live my life in peace,I can't take it anymore

  

  Business Response

  Date: 05/16/2025

  DNF Associates, LLC (Hereinafter, “DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. 

  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments. 

  Ms. ********* Sallie Mae account ending in **** (Hereinafter, "the Account") was purchased from Sallie Mae in January of 2023. The Bill of Sale from that purchase is attached. 

  The Account in question was opened with Ms. ********* social security number, birthdate, email address of *******@aol.com and mailing address of **** ****** **** Apt. ** ********* ** 3**06. 

  The Account was opened on 2/25/20** and was charged off due to delinquency on 12/31/2022 with a balance of $15,678.65. The last payment and/or credit applied to the Account was on or around 7/29/2022 in the amount of $920.00. Billing statements, Promissory Note and Truth and Lending statement to support this have been attached to this response. 

  Ms. ******* had opportunities to resolve her outstanding balance with any of the several collection agencies that we placed with the account with, she did not. DNF's final process is, if applicable, place with an Attorney firm to resolve the balance owed. In regard to Ms. ******* not receiving validation, we did provide all of the media attached to her on 1/3/2024 via email as requested and she would have received the same from the law firm. 

  On 4/3/2023, DNF Associates, LLC placed a Tradeline on Ms. ********* Trans Union credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b: 

  "S 1681b. Permissible purposes of consumer reports 

  (a) In general 

  Subject to subsection (c) of this section, any 

  consumer reporting agency may furnish a consumer report under the following circumstances and no other: 

  (3-A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;" 

  Because of the extensive account history and the information being linked to Ms. *******, we do not find the Account to be invalid in nature. The account in question is updated as "dispute" as required by the Fair Credit Reporting Act (FCRA). 

  If Ms. ******* would like to discuss how to resolve the amount owed, she may contact Dobberstein. Law Firm at ###-###-####. 

  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ###-###-####. 

  
  

  Customer Answer

  Date: 05/20/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  All the company did was send the same letter that they've already sent and I addressed all.the inaccurate info in my reply to them
  
  
  
  Regards,
  
  
  
  ******* *******
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 05/21/2025

  Validation of debt wasn't sent to me within 30 days of my request. If they did so they need to provide proof of that. Also what about the information I requested in my letter that several collection agencies tried to collect this balance? They can't make false statements and not provide proof of such. Did you look through all the info I provided about the false information contained in their letter? 

  

  Business Response

  Date: 05/22/2025

  This complaint has been responded to and provided all documentation on the account..Ms. ******* can contact *********** *** firm with any questions or concerns at ###-###-####.

  Customer Answer

  Date: 05/24/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  I'm not sure why I thought contacting the BBB would be helpful. Is anyone reading the correspondence from the business? They just keep sending the same response without providing prrof of the things that I've questioned or have asked to see proof for! if this is going to keep going back and forth without them having to provide any proof, I'll just have to see about hiring a lawyer to assist me with this matter!
  
  
  
  Regards,
  
  
  
  ******* *******
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have any contract with DNF associates

  

  Business Response

  Date: 05/13/2025

  DNF Associates, LLC (Hereinafter, “DNF”) has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments. Ms. ********* ******* * ***** ** ** account ending in **** (Hereinafter, "the Account") was purchased from ******* ****** in September of 2024. The Bill of Sale from that purchase, along with a letter sent to Ms. ********* advising her of the sale has been attached to this response. The ******* ****** Account agreement is also attached, I have circled the section "Transfer and Termination of your Account" below is an excerpt:  We may assign your Account or amounts you owe on your Account to any other person at any time and the assignee will take our place under the Agreement with respect to all agreements and interests transferred. You must pay the assignee and otherwise perform your obligations under the assigned agreements and interests.  The Account in question was opened with Ms. *********'s social security number, birthdate, email address of ******************** and mailing address of **** ***** ****** **** *** ********** ** *****  The Account was opened on 10/07/2021 and was charged off due to delinquency on 8/23/2024 with a balance of $2,118.33. The last payment and/or credit applied to the Account was on or around 04/21/2024 in the amount of $100.00. Billing statements to support this have been attached to this  response. On 11/19/2024, DNF Associates, LLC placed a ********* on Ms. *********'s Trans Union credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b: "S 1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances and no other:  (3-A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  Because of the extensive account history and the information being linked to Ms. *********, we do not find the Account to be invalid in nature and we find no error in our reporting. The account in question is updated as "dispute" as required by the Fair Credit Reporting Act (FCRA).  If Ms. ********* would like to discuss how to resolve the amount owed, she may contact our office during business hours, and we will place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at *************  Sincerely,  David ** ******  Chief Compliance Officer

• Initial Complaint

  Date:04/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is a closed account and wrote off however they are still reporting to my credit report nor have they sent the 1099c form. Please remove this from all 3 major credit brieuros

  

  Business Response

  Date: 04/24/2025

  
  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. 
  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments. 
  Ms. ********** **** / ******* / ********* ******** ******** account ending in 8005 (Hereinafter, "the Account") was purchased from *** **** ** ******** (****) in March of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** /******* informing Ms. ******** of the sale. ****/******* did not "Write-off"" the account (forgive the debt) they transferred/sold the debt to DNF Associates. Ms. ***** would only receive a 1099-C if the debt was actually written off or if she settled the account for less than the balance owed and saved more than $600 on the debt. 
  The Account in question was opened with Ms. ********** social security number, birthdate, email address of ************************ and a mailing address of **** ****** **** ********** ** 37914. 
  The Account was opened on 02/08/2023 with regular monthly payments applied and was charged off due to delinquency on 02/15/2024 with a balance of $2,693.15. Billing statements to support this have been attached to this response. 
  On 05/20/2024, DNF Associates, LLC placed a Tradeline on Ms. ********** ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b: 
  "S 1681b. Permissible purposes of consumer reports (a) In general 
  
  Subject to subsection (c) of this section, any 
  consumer reporting agency may furnish a consumer report under the following circumstances and no other: 
  (3-A) intends to use the information in connection with a credit transaction involving 
  the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;" 
  We have updated Ms. ********** credit report as "DISPUTED” as per the Fair Credit Reporting Act (FCRA). 
  If Ms. ******** would like to discuss how to resolve the amount owed, She may contact our office and we can place the Account with a third-party collection agency to collect on our behalf. 
  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at 855-366-8584. 
  Sincerely, 
  David J. M***** 
  Chief Compliance Officer 
  BILL OF SALE 
  For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Account Purchase Agreement (the "Agreement") dated September 30, 2022 by and between *** **** ** ******** ("Seller") and DNF Associates LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement the Accounts as set forth in the Account Schedule attached hereto as Exhibit I delivered by Seller to Buyer on each Closing Date, and as further described in the Agreement.