Date Received: 2018-01-22
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: This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
Company Response: Company believes complaint is the result of an isolated error
State: MO
Zip: 645XX
Submitted Via: Web
Date Sent: 2018-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Settlement for XXXX XXXX debt collection was done through their agency, XXXX XXXX XXXX. ( ERC ) on XX/XX/2017. The collection information is not deleted from my credit report after the Settlement was made.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity. Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current. I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2018-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern : Hello i checked my XXXX XXXX account Sat XX/XX/XXXX at XXXX and found out this debt was on my credit report in collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX number XXXX in the amount of {$200.00} date opened XX/XX/XXXX. Also it said original creditor XXXX XXXX XXXX and not once do i know of this account they never one time called or sent me a bill or letter explaining i owe a bill or if you do n't pay it will be on your credit report neither company. This is a problem for me .They just put it on my credit report without prior notice about anything. And this is what i would like to happen, is for it to be removed from all 3 credit bureaus and an apology letter from both companies saying this will be removed from my credit report and both companies to pay for my credit score being lowered because of their mistake in the amount of {$5000.00} each. They should not get away with affecting my credit score and they never once sent me a bill or letter i do n't know who or what this account is at all. I have no knowledge of this account. Thanks for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2018-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2018-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75237
Submitted Via: Web
Date Sent: 2018-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-19
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 XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX investigated and determined it is not mine and deleted it?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have contacted XXXX XXXX/XXXX XXXX XXXX to inform them that this debt do not belong to me and that this debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A