Date Received: 2018-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a written notification of a debt that I have nothing to do with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX I disputed XXXX XXXX XXXX XXXX and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2018-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX placed a negative inquiry on my XXXX Credit Report which is not my account. XXXX XXXX XXXX disputed the amount XXXX placed on my report. On XX/XX/18 XXXX XXXX sent a copy of a telephone bill with letter stating the bill is validated. Neither my signature or social security number on bill or letter. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was previously disputed and removed from my XXXX Credit Report in XX/XX/2016 under XXXX XXXX. Now it has been put back on my Report by XXXX XXXX. As I have explained to them this is not my account. I know nothing about it, and it should not be on my Credit Reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This situation has to be a pretty interesting one. I haven't had an account with XXXX for well over a decade. This account is not mine. I requested to validate the debt and their first response was an offer to settle the debt. Offering to settle is not validation of a debt. They did not abide by federal law. After my second letter I received a very interesting print out with costs, and conflicting information. The second statement does NOT include any original paperwork/contracts with my. There is NOTHING with my signature. Just a weird, seemingly falsified, print out with two different company names on it. They identify as XXXX and XXXX XXXX College? Anyway this company did not properly validate this account. There is no original contract, there is no paperwork with my physical signature. Come to think of it I've been with XXXX since about XX/XX/2009. This needs to be removed from my credit report. I also need their Washington State 's representative 's physical address, and contact info, so I can move forward with court if needed. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98011
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I found a debt listed in my credit report by XXXX XXXX. The original creditor was listed as XXXX. This debt was formerly listed by another credit collection company, XXXX, but was removed from my credit report after I filed a claim with them for fraud as this was not my account. Apparently the debt has been sold to Convergent who has reported it within the last month to the credit reporting agencies as a new collection. I sent a written request for debt validation on XX/XX/2018 certified return-receipt mail. I received a letter of debt " verification '' on XX/XX/2018. The " verification '' does not include any of the information I requested to be included in the debt validation. Among other requested items, there is no signed contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I started writing XXXX XXXX XX/XX/XXXX about this debt listed on my credit reporting asking them to validate the debt they say I owe in the amount of {$4200.00} for a phone bill. They informed me via response that they spoke with my wife. Which i never been married. About this account that am disputing. They sent back a itemized bill which is NOT validating the debt. On XX/XX/XXXX i wrote another letter to them asking them again to validate the debt in the amount of {$4200.00} they sent back another itemized bill on XX/XX/XXXX which is NOT validating that debt. On XX/XX/XXXX, it is notated that they received my letter but still could not produce validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove i owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when i searched Illnois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing. Fair collection and out - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92860
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A