Date Received: 2018-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2018-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX isnt doing a proper investigation for accuracy because XXXX XXXX XXXX have inaccurate information and also I ask XXXX XXXX XXXX states they have ownership the account when I ask them for proof from the original creditor of the debt, license to collect, a contract stating that I owe them with my signature they failed to respond to my Letter that was send to them certified mail and is was notarized. The credit bureau ( XXXX ) are violating the FCRA ( They refuse to correct information after being provided proof of inaccuracy ), Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) .and XXXX XXXX XXXX is violating the law by ( They fail to report a disputed debt to the credit bureaus ) thats FDCPA, ( They have not validated your debt and they still continue to report to the credit bureaus ) thats FDCPA , ( They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency ) thats FCRA
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a summons for debt collection from XXXX County Sheriff 's office XX/XX/XXXX saying I owed {$2600.00} which included interest, judgement cost, and attorney fees. It is planning on garnishee my wages from my employer. The hearing is set for XX/XX/XXXX with no time listed. I contacted the creditor ( XXXX XXXX XXXX ) thru the Attorney 's office listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX by phone ( XXXX ) XXXX. I spoke with XXXX at first, then she referred me to XXXX XXXX. He stated I had to pay {$2600.00} to them my credit card, check, or debit which will process within 3 days. He stated I owed XXXX XXXX since XX/XX/XXXX. He told me the account number it was opened under. Then he told me the account number I need to pay under. It was 2 different account numbers. I asked for the information of the creditor so I could contact them to resolve the issue, but they wouldn't disclose that. I told them I had no debt in that amount and that I had never heard of such company. He just told me to pay. Then I checked my credit report and there was nothing from that company or in that amount. I received another phone call last night saying I owed another major credit card debt. I have been receiving threatening phone calls saying they will file fraudulent and legal charges against me for this debt. I have since then contacted the FTC and filed a complaint. Now I am filing a complaint with you all.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On a recent review of my credit report, I discovered your company XXXX XXXX, XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. They must produce also produce the above or delete or entry from all 3 credit bureaus.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX, the collection agency for XXXX XXXX XXXX is reporting that I have a missed a payment 4 months ago for an account they have been trying to collect for 4 years. Because I repeatedly disputed it to have it removed, they updated the information as if it's current and accurate information. It's damaging to my credit and reputation. Please remove the account permanently from all three bureaus. Thank you.
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing this dispute against XXXX XXXX/Resurgent for unfair and inaccurate credit reporting. The collection was removed from my credit report XX/XX/2016 and the re-added without any form of notice. Under the Fair Credit Reporting 15 U.S.C. 1681g Act I demanded disclosure of the documents that were recorded and retained. I have sent XXXX XXXX XXXX, XXXX, XXXX, and XXXX multiple letters to verify and validate the debt as mine. I have not received documentation or verifiable proof from XXXX XXXX XXXX, XXXX, or XXXX. XXXX removed the debt as it could not be validated. If XXXX could not validate the debt how are XXXX and XXXX? Where are the documents to show proof that I had a contract with XXXX XXXX XXXX? I am requesting if you do not have any documentation in your files to verify the accuracy of these disputed accounts and proof that they have authorization to collect debt, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Company Response:
State: AL
Zip: 36507
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
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: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
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.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ). After reviewing my credit report I have found that XXXX XXXX purchased 2 debts from XXXX XXXX that I do not owe. XXXX is reporting 2 inaccurate accounts 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. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies. I am attaching a copy of my XXXX credit report for your review.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've sent various letters to XXXX XXXX with no response. Each certified letter has been returned. I am simply asking the company to remove the account from there office and return it to the original creditor so that I am able to settle and regain my credit history. I saw that the account has been closed but still reporting negatively on my credit report. I do not know what else to do. If the account is closed how is it still reporting.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A