888-385-0090

Trying to collect a debt that I do not have

This is a phishing scam. They're impersonating the Unifin collection agency, and trying to get you to give them your personal information/credit cards so that they can steal your money. The real website is unifininc.com, the scammers say in text to visit unif.in.

Nope, according to Whois.com unif.in is registered to Unifin, Inc in Illinois.
https://www.whois.com/whois/unif.in
unif.in
Updated 1 second ago
Domain Information
Domain:unif.in
Registrar:Tucows Inc.
Registered On:2022-06-09
Expires On:2023-06-09
Updated On:2022-06-14
Status:clientTransferProhibited
clientUpdateProhibited
Name Servers:milan.ns.cloudflare.com
alexandra.ns.cloudflare.com
Registrant Contact
Organization:Unifin, Inc.
State:IL
Country:US
Email:Please contact the Registrar listed above

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

UNIFIN, INC.

Web site says they are in Illinois and lists a PO Box:  https://www.unifinrs.com/contact-us/   and it also says that they are hiring, lucky for them there are lots of prisons in the area so they should have no problem finding felons to work there.

BBB gives them an accredited B (down from an A+) with 149 complaints and 42 negative reviews (Note that upon reading the complaints, they seem to simply say they will stop collection activity, and the complainants foolishly accept that, thus keeping the business from being sued), as of 5/6/22:  http://www.bbb.org/chicago/business-reviews/c ... ie-il-88579219/

Story on what these crooks are doing:  http://www.scambusters.org/debt.html

Illinois Dept. of State info:
 File Number
67892089

 Entity Name
UNIFIN INC.

 Status
ACTIVE

 Entity Type
CORPORATION
 Type of Corp
 Incorporation Date (Domestic)
06/08/2011
 State
 Agent Name
INCORP SERVICES INC
 Agent Change Date
 Agent Street Address
901 S 2ND ST STE 201
 President Name & Address
 Agent City
SPRINGFIELD
 Secretary Name & Address
 Agent Zip
62704
 Duration Date
 Annual Report Filing Date
05/19/2016
 For Year

Other complaints:
http://badfinance.org/reviews/2017/unifin-inc/debt-collection
http://badfinance.org/review/1576967/unifin-inc-debt-collection

Looks like they were sued a lot:
https://dockets.justia.com/docket/california/caedce/2:2016at00087/290328
https://www.pacermonitor.com/public/case/9237426/Lucy_Caldera_v_Unifin,_Inc
https://www.pacermonitor.com/public/case/8180080/Hector_v_Unifin,_Inc
https://www.pacermonitor.com/public/case/1087 ... nifin_Inc_et_al

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid. 

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Also file a report with the Illinois Department of Financial and Professional Regulation:   https://www.idfpr.com/

This IS actually Unifin, the debt collection agency. I verified it by lookng up the number, as well as contacting them through another number (888-385-0090). Whether or not they have legitimate business with you is a separate matter. I called them and asked why they were texting me at a number I had just acquired (a T-Mobile hotspot, as a matter of fact), and when they realized their error, immediately removed the number from their records, without any argument, whiich I think is pretty decent, considering the reputation collection agencies have.

No, it's really them. See my longer entry below.

Quote:

This IS actually Unifin, the debt collection agency.

That we already knew.

Quote:

immediately removed the number from their records,

You don't really know that for sure do you?  Just because they said that doesn't make it true.  You seem to be all gung-ho for this outfit.  Sort of like a shill would be.