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:10/11/2025

  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.

  Threatening language and unfair practices were used by the agency in relation to this debt. In addition, the reporting is not accurate.

  

  Business Response

  Date: 10/22/2025

  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. 

  Mr. **** account **** / ******* / Vivint account ending in 8801 (Hereinafter, "the Account") was purchased from The **** ** ******** (****) in May of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** / ******* informing Mr. **** of the sale. 

  As I have investigated the allegations in regards to the agency, the last 3 agencies the account was placed with did not have any communication with Mr. ****. In fact they all stated they did not make any attempts on the account as the balance was too low. 

  The Account in question was opened with Mr. ****'s social security number, birthdate, email address of ****[email protected] and a mailing address **** ******** *** ******** ** 37013. 

  The Account was opened on 05/06/2019 and was charged off due to delinquency on 04/15/2024 with a balance of $252.31. Billing statements to support this have been attached to this response. 

  On 07/15/2024, DNF Associates, LLC placed a Tradeline on Mr. **** 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;" 

  We have updated Mr. ****'s credit report as "DISPUTED” as per the Fair Credit Reporting Act (FCRA). 

  If Mr. **** would like to discuss how to resolve the amount owed, he 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 ###-###-####. 

  
  

  Customer Answer

  Date: 10/23/2025

  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’ve done everything required to validate and clarify this account. Continuing to report disputed or inaccurate information without proper investigation may constitute a violation of consumer protection laws. I’m asking for immediate correction or removal of the item in question.
  
  
  
  Regards,
  
  
  
  **** ****
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:10/02/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  

  Business Response

  Date: 10/13/2025

  Please find the attached response.

• Initial Complaint

  Date:09/23/2025

  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 formal complaint regarding a negative account that is being inaccurately reported on my credit file. I have already contacted both the creditor and the credit reporting agencies regarding this matter, but the issue has not been resolved. I am seeking BBBs assistance to ensure that this account is properly investigated and corrected.Details of the *********************************** DNF Associates Account Number: ****************Credit **************** Involved: ********** Date of Dispute: 09/22/2025 Summary of the Issue:This account is being reported with inaccurate or unverifiable information. I requested that the creditor provide documentation verifying that this debt is valid, accurate, and belongs to me, in accordance with the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). To date, they have failed to provide the following required documentation:A signed agreement or contract linking me to the debt An itemized statement showing how the balance was calculated Proof that they have the legal right to collect this debt Under FCRA Section 611 (15 U.S.C. 1681i), I am entitled to a full reinvestigation of any disputed information. If the furnisher or credit bureau cannot verify the accuracy of the account, they are required to remove or correct the entry. Despite my good-faith effort to resolve this matter, the account continues to be reported negatively and is harming my credit profile.

  

  Business Response

  Date: 10/01/2025

  Please find the attached response.

• Initial Complaint

  Date:09/22/2025

  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 ********** about the validity of this item and received no just explanation. I then sent a certified letter in June and July of 2025 to *** to validate the item posted on my report.I received no response. I then contacted ********** again in in September of 2025 and they havent given me any copies of the disputes I submitted unless requested by an attorney because *** filed a civil lawsuit in September of 2025 after my multiple request to of proof and validity of the debt. ********** removed the item off my report because they never received validated the debt.DNF filed a civil suit in September of 2025 even though they never validated the debt and it was removed! Now DNF continues to ******* 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 **** am a single mother and this situation has brought many sleepless nights for **** sent the discovery responses letting them know they never validated the debt and I'm still being harassed.I need this business to drop the civil case and find a better way to validate and communicate with me rather than threatening to garnish to little wages I made to survive. Please do not forward the same generic responses and actually send the validation and proof of debt that Im requesting. *** has failed to due so within a timely manner and its purely criminal to ignore consumer laws.

  

  Business Response

  Date: 10/02/2025

  Please find the attached response.

• Initial Complaint

  Date:09/21/2025

  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 collection agency did not follow proper dispute procedures and failed to validate the debt when requested. Reporting this account under those circumstances is unfair.

  

  Business Response

  Date: 09/30/2025

  Please find the attached response.

• Initial Complaint

  Date:09/10/2025

  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 was a victim of Identity theft. I reached out to the company
  NAME: DNF ASSOCIATES about an
  Account Status: Open/ Collections that was opened without my consent
  Account Type: Automobile
  Opened: Nov 01, 2024
  Balance: $1,206 I never opemned this account however two people where arrested charged and sentenced as Ive mailed in the police reports and the company DNF associations are not removing this off my credit report

  

  Business Response

  Date: 09/18/2025

  DNF Associates has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the account was placed in a cease status and withdrawn from the servicing collection agency. 
  To clarify for Mr. ***** DNF Associates, LLC 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 perform collection services or accept payments. 
  Mr. ***** has 2 delinquent ****/*******/ accounts *** ***** ******** ********* ending in **** and *** ********** ending in **** (Hereafter, "the Accounts") were purchased directly from *** **** ** ******** ****** by DNF Associates, LLC in July of 2024 and October of 2024. Copies of the Bill of Sale's and emails from TBOM / ******* advising Mr. ***** of the same have been attached to this response. 
  According to the placement file provided by the original creditor, the accounts in question was opened in Mr. ******* name, social security number, birthday, email address of *********************** and a mailing address of **** ********** *** **** **** (Mr. ****** did live at this address and at one point had a Drivers License with the same address) 
  One Account was open and in good standing from 08/24/2022 until it was charged-off due to delinquency on 09/15/2024. The 2nd account was open and in good standing from 02/19/2023 until it was charged-off due to delinquency on 06/14/2024. Billing statements including the purchase and payment have been attached to this response. The final billing statements confirming a balance due of $1,722.32 and $1,205.75 are also attached to this response. 
  On 9/13/2024 & 12/18/2024, DNF Associates, LLC placed *********** on Mr. ******* ***** ***** 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 both of Mr. ******* accounts on his credit report as "DISPUTED" as per the Fair Credit Reporting Act (FCRA). 
  Per our investigation, we do not believe either accounts are fraudulent. 
  We wish to apologize to Mr. ***** for any inconvenience he feels has been caused. If he would like to address the accounts or provide further information in regard to the assertion of Fraud, he may do so by contacting DNF Associates LLC. 
  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your organization, please feel free to contact me directly. 
  Sincerely, 
  
  David J. M***** 
  ?. 
  Chief Compliance Officer 
  

• Initial Complaint

  Date:08/19/2025

  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 submitting this response regarding DNF Associates and their continued false reporting of an alleged debt. DNF Associates provided a bill of sale and billing statements; however, this does not constitute a valid Method of Verification (MOV) as required under the Fair Credit Reporting Act (FCRA). Furthermore, they are reporting inconsistent balances: DNF Associates claims the alleged debt is $825.56. My credit report reflects a balance of $826.00. This discrepancy, no matter how small, demonstrates a failure to maintain maximum possible accuracy under the FCRA. Additionally, the alleged original creditor could not confirm this account, leaving DNF Associates without proper validation to report or collect on it. Continuing to report unverified and inaccurate information constitutes false reporting, negligence, and violations of the FDCPA. I am demanding that this account be immediately deleted from all of my credit reports.

  

  Business Response

  Date: 08/20/2025

  Please find the attached response provided to CFPB in regard to the same complaint. In regard to balance, credit reporting is provided in whole dollars..cents are not allowed. $825.56 rounded to the nearest whole dollar is $826.

• Initial Complaint

  Date:07/10/2025

  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 debt stems from a service I canceled and never used.

• 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 ************