Date Received: 2018-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report I have found XXXX XXXX XXXX ( XXXX XXXX ) is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.
Company Response:
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2018-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2018-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have this collection on my credit reports I have tried to get them removed but it has not happened. This debt is not mine and never was I would like it removed as soon as possible. This is on all my credit reports and is not mine. XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Overview You've paid off 0 % of your collection amount. Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 1 yr, 10 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Company Response:
State: MI
Zip: 49001
Submitted Via: Web
Date Sent: 2018-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: The company XXXX funding sued me without a subpoena or notification, now many years later they are garnishing my wages without any notification. The company also can not provide any information regarding the alleged debt.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2018-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I send XXXX XXXX XXXX in 2nd weeks XX/XX/2018 and I didn't get any respond I send my 2nd letter certified mail on the XX/XX/2018 to same address then they respond. I asked for a list of information and to validate the debt with my signature, electronic recording etc. that they claim is mine ( reference ID XXXX amount {$1200.00} ) and they refuse to provide those information and ignoring my request but yet still they still reporting to the credit agency which also as long as there's an investigation all reporting and collection should stop which they didn't comply which any FCRA laws and violate my rights as a consumer. I can't get no funding or any kind of approvals to help better my life due to fact they have ruin my credit and still is at this present time. if they can't abide by FCRA laws I demand they remove it and all negative remarks to be removed from my credit profile which have been destroying my life. I will include copy of the 1st and 2nd letter that was sent without my personal info on it. looking forward hearing from you, thanks in advance.
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2018-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed. These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature. 1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly tried to fix this problem with XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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 file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Regarding LVNV Acct # XXXX I sent them 2 certified letters 1 on XX/XX/2018 and 1 on XX/XX/2018 and I will provide the signatures for letters. The first letter I asked for them to verify this account. They didn't send me a response verifying this account and didn't note the account as disputed. So I sent a second letter stating : " You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30- day period. '' LVNV never marked my credit report as disputed even after 60 days it was still not marked which I will provide 2 credit reports to show.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS IS NOT MY ACCOUNT. XXXX XXXX XXXX Opened XX/XX/2018 - {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have tried several times to let the three credit bureaus and creditors know that I am permanantly XXXX and collect XXXX benefits to live on. All three credit bureaus and creditors have gotten together to damage me and my credit. The credit bureaus and creditors refuse to remove the collection accounts from my credit reports. Causing me to have bad credit. I even got a call from a debt collectors from XXXX XXXX saying that I could be arrested if I didn't pay off the debt. But they never sent me court papers. I dont want to go to jail for money I dont have. I just want all of this to stop. I dont have the money and I want it removed from my credit reports.
Company Response:
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A