Date Received: 2018-12-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have had issues with XXXX XXXX for awhile. They are on my credit report still. I have asked kindly for them to remove there tradeline. I am under nocontract with these people. In a earlier complaint they said they never or have no record of them suing me. I am providing a copy that they have sued me in the state of minnesota. When I spoke with them about the judgement they ( vacated ) they told me they would not contact me, pick up any accounts on me or contact me. They denied they ever did this to me.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Resurgent Capital Services keeps calling at all times about a debt that is not valid under different names XXXX XXXX/ Resurgent
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: According to the law section 809 of the FDCPA ; XXXX XXXX XXXX XXXX, XXXX, SC XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is regarding said debt for XXXX XXXX XXXX. Under the FDCPA, I have the right to request validation of the debt you say I owe you. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I have never received any notice to validate this said debt. Under the Fair Debt Collection Practices Act, I have the right to request this account be removed from your files as this debt has not been validated due to your company XXXX XXXX XXXX failing to provide notice to validate. Your firm could face severe consequences for pursing this account any further. Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Please stop all collection activity with me, except to let me know this matter is now closed.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/18 XX/XX/18 and XX/XX/18 i requested by certified mail a validation of debt with a contract bearing my signature and stating who owns the debt from all 3 credit bureau and XXXX XXXX /Resurgent Capitol which is a collection agency. They continuously saying its verified but refused to produce the contract. Also I have no knowledge of this debt or the debt collector who claims I owe XXXX which shows several different amounts on some of my credit reports. I'm requesting that this debt be deleted from my credit report if the contract can not be produced bearing my signature.This is ( 1 ) Defamation ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Report Act.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has attempted to collect a non-viable debt from a fraudulent transaction. They have sold the alleged debt to XXXX XXXX as they could not sustain it under XXXX XXXX. No debt exists. They simply move it from one company to another and then re-attach it to my credit report.
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I received a letter on an old debt that is out of the statute of limitations for Collections in XX/XX/XXXX. I sent the debt company a certified letter within 30 days advising to stop all communication with me and the address about the debt. This debt is not on my credit report. The company forwarded the debt to their parent company who sent out another letter with a summary of the verification of the debt. This information was not requested in the stop communication letter. This debt originated in XX/XX/XXXX, was charged off in XX/XX/XXXX and acquired by the current company on XX/XX/XXXX. I am not aware of all the statute of limitations, but I still assert this debt is old and can not be collected. I am not sure how to respond to the latest letter from XX/XX/XXXX. Thank you for your assistance!
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am submitting a complaint against XXXX XXXX. This company has placed a collection on my reports claiming to be collecting for XXXX XXXX. XXXX XXXX has not onced properly verified or validated the debt according to the FDCRA. Also XXXX XXXX has no legal right to collect the debt and the reporting of the debt is violation of the FCRA. This third party debt collector that has no Contract between i and them has no legal right to collect on this debt or place themselves in this matter.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection on my report from a collection agency called XXXX XXXX who claim to be collecting for XXXX XXXX. I contacted XXXX XXXX bc I have no knowledge of the account. I informed them that another collection agency is also on my report who claim to be collecting for the same debt and that collection agency is XXXX XXXX XXXX. I inquired how they could be collecting for the same debt that I know nothing about. XXXX does not even have a tradeline on any of my credit reports. I was advised to submit a dispute as well as file a complaint on both collection agencies. I have already submitted for XXXX XXXX XXXX and this complaint is for XXXX. This company is using illegal tactics to get consumers to pay collections that they clearly do not own or were not assigned to. XXXX XXXX has yet to properly validate the debt according to the FDCRA. These collection agencies are breaking credit laws and I will not hesitate to sue for defamation and smearing my credit profile.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. XXXX XXXX XXXX Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$310.00} Terms : High Balance : {$310.00} Limit : Past Due : {$310.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A