No communication from this company, they enjoy ruining credit scores for sure

I am extremely disappointed with the lack of communication and assistance from Nifty Credit/Smart Advance.

My accounts have been transferred between multiple debt collectors over the years, and I have repeatedly requested statements so that I can understand the balances and payment history. Unfortunately, my emails have gone unanswered, and I have not received the information I requested.

To make matters worse, my credit profile reflects that my last payment was made in 2023, which is incorrect. I made payments to one of the debt collectors during 2024. I eventually stopped making payments because I could not get any statements or confirmation that my payments were being allocated correctly. Despite paying, there appeared to be no change to the account balances, and no one was willing to explain or provide documentation.

As a consumer, I have the right to receive accurate account statements and to know who currently owns my accounts, what the outstanding balances are, and how my payments have been allocated.

I would appreciate it if Nifty Credit/Smart Advance could:

Provide me with a full statement for each account. Confirm which debt collector is currently handling each account. Explain why my 2024 payments are not reflected on my credit profile. Respond to my previous requests for account information.

I am willing to resolve my accounts, but I cannot do so without transparency and proper communication.