Date Received: 2019-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed at the end of last year that I had a series of false debts on my credit report, that collection agencies are attempting to collect from me. These debts all occurred around the same period of time. The 3 companies are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. I was able to call XXXX and ask them specifically what info was in the account and I ended up finding out that my older sister had used my name SSN and DOB to get cable at her apartment. They said If I were to file a police report and give proof of report they would remove debt. I filed a police report and before turning it over to them I noticed they were nice enough to have already removed it. # SOLVED The XXXX XXXX was previously a XXXX bill apparently. My sister or also is the culprit for this as well. I've never had a phone in my name by XXXX. I attempted to dispute with this XXXX XXXX XXXX through XXXX and XXXX, letting them know of the situation with XXXX and stating that I have been a victim of identity fraud by my sister. They didnt even attempt to contact me or look into anything. # UNSOLVED I'm tired of them trying to get me to pay for this when someone took my personal info and breached my personal information. I feel violated.
Company Response:
State: IA
Zip: 52404
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX 's policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX allowed XXXX to change information on my credit report without my knowledge or consent. I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom may Concern The XXXX reference number is XXXX amount of {$700.00}. I have no knowledge of this account from XXXX XXXX. I request that you please verify the following information to assist identifying whether this debt is valid : The account was first reported XX/XX/XXXX. On the following dates of XX/XX/XXXX the account was closed from my XXXX credit report and then added again. Also on XX/XX/XXXX the account was again removed from my credit report then added back again. Screenshots added. If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
Company Response:
State: OK
Zip: 73115
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company mentioned sold a collection for XXXX to another company who i negotiated and paid but now i have both collections still on my report showing a XXXX balance. I have tried disputing this with the bureaus but have not gotten the balances changed. Its effecting my ability to get the best interest rates on a home. Please help
Company Response:
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from XXXX XXXX XXXX , XXXX on XX/XX/2019 but was sent out from their office on XX/XX/2019. I will write my response in regards to this debt.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account information was found to be invalid. Account was removed years ago after validation then reappeared XX/XX/XXXX. I have not had a XXXX account since XX/XX/XXXX. Debt does not belong to me.
Company Response:
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX is reporting the same XXXX account debt twice and after numerous attempts to have one of the duplicate debts removed they refuse saying that the accounts are accurate but, they are duplicate accounts with the same company they refuse to remove 1 of the accounts which is a duplicate
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is reporting that I currently owe them {$1600.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.
Company Response:
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A