Date Received: 2018-12-03
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/2015 Balance : {$80.00} Terms : High Balance : {$80.00} Limit : Past Due : {$80.00} Payment Status : At least 120 days or more than four payments past due Comments : CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT
Company Response:
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A few months ago I realized upon applying for a home loan that my credit had dropped severely to where I was declined. I then pulled my credit reports to find a couple derogatory accounts on my file that were not mine, both from XXXX XXXX, XXXX. I have never heard of or done any business with this company ever. The main account that they allege that I owe them is acct # XXXX in which the amount is {$620.00}. I have been in correspondence with them explaining that I dispute this debt because it is not mine & then I demanded a few times in a few different certified letters that they need to delete these wrongful accounts from my credit file. ( see attached copies ). A company named Resurgent Capital services responded after my first certified letter ( delivered by the XXXX on XX/XX/2018 ) stating that they manage accounts for XXXX XXXX. All of my communications have been with Resurgent Capital Services since then. They are debt buyers and allege I owe this debt to them. ( See attached copies ). All allegations from this company are false and I will be filing a lawsuit in small claims court if they dont Cease & Desist all collections efforts and then send me a Cease and Desist letter stating such. Furthermore, I would like them to remove all derogatory claims/files against me on my credit reports ( this especially includes XXXX XXXX, XXXX & XXXX ). Please see all attachments. The small account that this same company alleges that I owe is acct # XXXX .... Thank you for your time in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX
Company Response:
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is regarding collection from XXXX thru Resurgent Capital Services. My first response to correspondence was in XX/XX/XXXX. I have communicated with many different servicing agents regarding these accounts since. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these companies state that XXXX owns these alleged 4 debts and I have asked for verification from all of them, again dating back to as early XX/XX/XXXX. These debts are listed as follows. XXXX XXXX {$3000.00} XXXX XXXX {$2700.00} XXXX XXXX {$590.00} XXXX XXXX {$1600.00} ( no response from Resurgent yet for XX/XX/XXXX inquiry so far ). I have asked for proof of the debt and original documentation with every request. I explained to them that they must have been " sold '' this debt and not have the paperwork due to the fact that I sent fraud claims to both XXXX XXXX and XXXX XXXX on both accounts. Instead of helping me with the issue, XXXX XXXX and XXXX XXXX removed the entire accounts from my credit report AFTER the sent these debts to XXXX. XXXX can see my credit report and validate this. Now I have asked, written letters and repeatedly asked for validation with XXXX. The letter I attached to them dated XX/XX/2018, I told them that these 4 account were fraud and they ignored my requested and mailed back a " internal prepared '' statement by the servicer ( Resurgent Capital ). I have more documents than you care to read but have attached all supporting documents- except on the XXXX XXXX {$1600.00}, they have not responded to my XX/XX/XXXX inquiry for that debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There is a collection account reporting the substantial amount of {$990.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 8 months and I have yet to receive a debt verification letter via mail. I also initially sent this over to the credit bureaus in XX/XX/XXXX. I've attached my letter I sent to XXXX as well as proof in my computer on when it was sent. Thank you for your time
Company Response:
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2018 I was contacted by a company called XXXX XXXX XXXX representing XXXX XXXX XXXX in relation to an account with XXXX XXXX XXXX which was a direct result of identity theft and in which XXXX XXXX XXXX has agreed and absolved me of all relation with this account. I was told by XXXX XXXX XXXX that i owed a balance from this company. I paid this amount under duress to prevent my credit score from hurting further. I have sent faxes to XXXX XXXX as well as letters demanding the payment to be paid back to me immediately. This was a deceptive collective of an debt I did not owe. I will pursue legal recourse if this matter isnt settled here. I am demanding my {$400.00} back immediately otherwise the amount i will be seeking through legaslative matters would far exceed this. XXXX has acknowledged receipt of all documentation in relation to my dispute but has not responded via letter nor phone call. I have had to reach out personally only to find out my claim has been denied by the highest level possible without merit nor just cause.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: i pay {$220.00} dated XX/XX/07; 2018 for company name XXXX XXXX XXXX referce id XXXX this itam alradey my credit report for colection itam pl remove this thing thanks XXXX XXXX
Company Response:
State: IL
Zip: 60108
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Earlier this year, I noticed I had an adverse account that I did not recognize from XXXX. On XX/XX/2018, I immediately contacted them for validation of the account. Initially I received nothing in response. Since then, I have requested the same information on 3 different occasions. What I received on my 2nd ( XX/XX/2018 ) and 3rd ( XX/XX/2018 ) occasion was a copy of a final bill from XXXX XXXX, a company Ive not done business with. What I was expecting in return was a package including contracts and signatures validating my ownership of the account and my agreement to repay said account. It was at this time that I realized XXXX XXXX AND XXXX were both negatively reporting on my credit reports simultaneously for the same account. Please delete this account from my XXXX XXXX and XXXX reports as this company has violated multiple FCRA laws in this inaccurate reporting.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
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 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.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
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 has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
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. Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$600.00}
Company Response:
State: TX
Zip: 77705
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A