Date Received: 2018-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: THIS IS NOT A DUPLICATE. After first dispute, company sent me a bill verifying a debt owned to XXXX. Sending a bill does not validate that I owe XXXX XXXX anything. I do not have a signed contract between myself and XXXX XXXX. I have a right to be provided with proof of a signed contract or I would like the debt removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection notice on an account that wasn't mine. Was for XXXX XXXX service starting in XX/XX/XXXXand ending in XX/XX/XXXX at an address I never lived at and the name on the account was similar to mine but not me. XXXX XXXX has confirmed that it was a case of mistaken identity and that they never provided the collection agency with my social security number. I mistakenly provided that information when I called to inquire about the collection, so now they have my social and insist that XXXX XXXX provided it to them and I must pay the amount. XXXX XXXX XXXX fraud department told me that were attempting " Skip Tracing '' to collect since my name is similar to the one on the past due account. Problem with that, the past due account has a female 's name and I'm a male. I called the collection agency twice in 2 days, they insist it is me and that they never " Skip Trace '' and I'm responsible for the past due amount.
Company Response:
State: TX
Zip: 77355
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX agreed to delete from credit report. They claim to only report negatively to XXXX and agreed to delete. When credit report was pulled it was also reported negatively to XXXX. I knew which they never mentioned it was. I would like for them to delete it from XXXX as well. As my first claim asked for it to be deleted from all credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This involves an account with XXXX XXXX. The account is now being handled by XXXX XXXX XXXX Account # XXXX. The XXXX account was closed at the local branch and all equipment returned per the service contract. Additionally, all service fees were paid per the service contract. The amount in question is {$620.00}. Three attempts have been made to provide that information to XXXX XXXX XXXX Paper documents have been mailed on XX/XX/XXXX, XX/XX/XXXX, and emailed per their request on XX/XX/XXXX. No communication has been received in return. XXXX XXXX continues to communicate to the credit bureaus as a delinquent account. Disputes have been opened with all three credit bureaus and XXXX XXXX, however XXXX XXXX says it is waiting on further information to resolve the account. They have made no attempt to request that information either in writing or through email. I have called multiple times to resolve this matter but each time I am told that they are processing the dispute request and then a few months later they hit our credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. verifying a debt i supposedly owe in response to me disputing this debt several times. This debt was not verified because the only thing sent to me was the contract from XXXX XXXX. I did not open a XXXX XXXX account in XX/XX/XXXX ( when the account was opened ). Theres no signature of mine no where on the contract neither is my social security number or anything else that links me to this account. The grand total of this account is XXXX but the total balance they say i owe is {$910.00} and its reporting to all of the credit bureaus and needs to be removed immediately to show accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection Agency letter from XXXX XXXX sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company XXXX XXXX has placed an account on my credit report for a XXXX account that was closed properly in XX/XX/2014. According to my contract with XXXX if I did not receive service in my home I was allowed to terminate. I terminated the account after several attempts to fix the service. I completed a XXXX complaint against XXXX in XX/XX/2014. This derogatory mark on my credit report is a violation of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Robocall asking to me to contact them regarding debt collection even though I have informed them that they have the wrong number and person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX has been harassing me over an account that has not nor did it ever belong to me. It belonged to someone who lived in my house by another name. They can't find the gentleman and now they have turned the debt over into my name with 5 different collection agencies and with all three credit reporting agencies over the last 6 years. Each agency has investigated it to find that what I speak is true and they remove it only to find it pop up again under another name and another anount. This is ridiculous and it is ruining my credit score. I am sick of it!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70124
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
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: A collection agency has a collection with my name as the user for XXXX XXXX, I never had XXXX XXXX and its not Associated with any of my known addresses. Its not my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A