Date Received: 2019-01-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hello, I never got any account with XXXX XXXX, this information is old and should not appear on my credit report.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid this debt off in XX/XX/XXXX and was advised by someone in the compliance department that it would be removed off my credit. Just recently I was informed that this debt is not only still reporting on my credit it's still showing opened. The agreement was that if I paid the debit that they would have it removed, all of this was stated on a recorded line. Today, XX/XX/XXXX I called and got an representative by the name of XXXX whom refused to give me her agent id and transfer me to compliance after asking multiple times she then transferred me to escalations where I spoke with an rude representative by the name of XXXX. She also refused to send me over to compliance and stated that she would contact them for me. She came back on the line and stated that they stated that the item wouldn't be removed, which isn't true. This company took my money under false pretenses while giving false information. I will be contacting an attorney to have my money refunded back to me and have this item deleted as promised. I will be reaching out to the media about this company, and will continue to file complaints against this company with the CFPB and XXXX until this matter is rectified.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018 I sent a letter to XXXX XXXX requesting them to provide documentation associated with this account bearing my signature. Since I havent heard from them I mailed another letter requesting the same information and still no response. This isnt my debt ; the name they are reporting to the credit bureau isnt spelled correctly and the address they are reporting I havent resided there in over 20 years. Ive provided the credit bureau with a copy of my driver license, social security card, and an up-to-date utility bill to verify who I am. I dont recognize this company nor have I ever heard of them until they started to report this fraudulent account.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2019-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2018, I received alerts that two collection accounts had been added to my credit reports. I looked into the matter and noticed they were from XXXX/Resurgent in the amounts of {$2900.00} ( the cents change ) and {$1100.00}. I sent certified letters asking for proof that I have a contract with this company. Validation was " confirmed '' through a letter by simply stating it was verified. They provided me with no signed contract or any paperwork for that matter. I sent a second round of certified letters asking for validation. ( Please see attachments ) XXXX/Resurgent then sent a letter on XX/XX/XXXX, days after they received my second round of letters, stating they will not continue to respond to my request for validation without additional information. I have no additional information! I have no information other than what is reporting the the credit bureaus. This company is in violation the FCRA and FDCPA. They have no contract with me. I owe them nothing, yet they continue to badger me with letters and report this erroneous information on my credit reports. I also contacted the credit bureaus. They have " verified '' the information. Interestingly, they too were unable to produce any documents of my signature showing these accounts belong to me. Other than empty rhetoric, XXXX/Resurgent had nothing to offer by way of validation.
Company Response:
State: TX
Zip: 76712
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have attempted to locate the alleged debt and can not find any record of ever creating an account with XXXX XXXX XXXX or Resurgent Capital Services. A debt of {$180.00} was originally reported on XX/XX/2017, stemming from XXXX XXXX XXXX I contacted XXXX and they were unable to confirm an account or any balance. I've sent letters requesting any of these entities validate the debt, and if they are unable to, then to remove the account from my credit file. I have not gotten any response in over 1 year.
Company Response:
State: WI
Zip: 54956
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To Whom It May Concern : Account in question XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX, I was wrongfully served charged for an account I never had. The company XXXX XXXX was opened in New Jersey. At this time I was living in California. I have attempted many times to speak to someone from the court where the judgement charged me XXXX in XX/XX/XXXX. This account has been affecting my life since XX/XX/XXXX. I would like to place a complaint against XXXX XXXX and XXXX XXXX XXXX. I would like my XXXX $ back. I would like all this information removed from the account.
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As filed before on this Fraudulent account : on file # XXXX, XXXX this new filing is based on the XX/XX/XXXX Resurgent Capital Services L.P. mailed me two letters one states that they manage this account for XXXX XXXX XXXX XXXX . Who I have reported before asway- this same XXXX XXXX Fraudulent account has been disputed 30 some time going back to XX/XX/XXXX- theses Collection companies continue to call and send fake documents with info that Violates my privacy and Illegally using my credit background in attempt to receive monies not owed by me at any point in time. I have forward all theses Collection companies including the two within this complaint. to Multiple governmental legal Agencies within in the states they do Business and carry licenses in- plus all Federal agencies that deal with Regulatory compliance and fraud investigations. Let this be notes that Resurgent Capital Services L.P. & XXXX XXXX XXXX XXXX Cease and desist all contact- of any and all types will not be permitted. Legal action will be taken : added info on this dispute and past dispute of this same Fraudulent account : XXXX XXXX Please note that XXXX XXXX XXXX responses are : Strictly Confidential - Proprietary Company Information - Not Subject to Disclosure. I have not signed any agreement to your disclosure. and will be forwarding your letter to the Appropriate agencies The account reflects an open date of XX/XX/XXXX and the last payment date is XX/XX/XXXX. The account was charged off on XX/XX/XXXX. Please note the expiration of the statute of limitations does not halt a debt collectors ability to legally collect a debt. It merely prevents the debt collector from initiating a lawsuit on the debt. As such it is permissible for a debt collector to contact you regarding a debt that is beyond the statute of limitations. Harassing and stalking : Stalking is unwanted or repeated surveillance by an individual or group towards another person. Stalking behaviors are interrelated to harassment and intimidation and may include following the victim in person or monitoring them. The term stalking is used with some differing definitions in psychiatry and psychology, as well as in some legal jurisdictions as a term for a criminal offense. Harassing and stalking Of a alleged debt by phone calls with a Left message or without any message and Mailings and other-beyond the statute of limitations is Illegal Our office was not aware of your dispute until receipt of your complaint via the Bureau of Consumer Financial Protection. We have sent your complaint to the Current Creditor for their review, and the account has been closed in our office. This same dispute goes to your client " Current Creditor '' whom is not the XXXX XXXX and all other Attached please find our response, file name XXXX, XXXX. Please note that XXXX XXXX XXXX responses are : Strictly Confidential - Proprietary Company Information - Not Subject to Disclosure. This account was sold to this Collection company XXXX XXXX XXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX- as this have been order to not to contact me Every again : This is how fraudulent this account is the they say the Original Account # is XXXX and XXXX XXXX XXXX XXXX Ref # XXXX- I will be also be referring this to the FBI and the Bar Association from every state that I have recv-called from and Mail- fair resolution to this issue is for CFPB is to file an Fed Investigation in to XXXX XXXX XXXX XXXX c Fines to be send for every fraudulent reporting on my personal credit report. This co. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX now issuing CA based unknown phone # XXXX call many times would not levee a Mesg I called this # back and finely got some one and they said that they could not give me any info without my SSN and PHONE # I told them they just called me and why are you calling they refused : this co is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have reported them many time over the last 3 years We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX corporate headquarters is XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2018-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX uses intimidation tactics, many phone calls and letters to attempt to collect from XXXXXXXX XXXX XXXX -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXXXXXX XXXX XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have recently been informed that there is negative information reported by XXXX XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$910.00}. *Please note this account has been removed from my XXXX credit file* I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2018-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A