Date Received: 2018-10-25
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: There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX deleted the collection account. XXXX closed the collection account. XXXX verified the original account and the collection account.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone open this account in my name, not my account the company found out this account was a fraud they have not removed it from my credit.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX and XXXX and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me. . If they can not provide the valid legal documentation proving that it was me that incurred the debt, then I want the collection account removed from all 3 credit bureaus - XXXX, XXXX and XXXX.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX took me to court by and through their attorney`s XXXX and XXXX. On XX/XX/XXXX XXXX XXXX XXXX lost thier case in the District Court of Maryland and Judgement in favor of Defendant was entered into the record. Case # XXXX. For over two years XXXX XXXX has reported this still as a debt in collections. I contacted them and their XXXX XXXX XXXX. XXXX acknowledged this was closed and they lost and informed XXXX of the same. XXXX XXXX is refusing to update my credit report to reflect they are not owed the money and the account is closed. This resulted in my being denied a loan on an investment property,
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested validation of the account that has been attempted to collect on from this collection agency ( XXXX XXXX XXXX ), and I have not received anything postal mail. It has been well over 45 days since original request was sent. First attempt XX/XX/XXXX and Second attempt XX/XX/XXXX. The collections amount listed on my credit monitoring site for {$680.00} and {$370.00} and I was never aware of such debt in writing.I specifically asked for a signed agreement and other supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been sending disputes about this so called XXXX bill to no avail .it was removed from one of my credit bureaus but not the others. its held by a third party debt collector. Ive been letting them know Ive never had or used a XXXX phone or service on stated dates. Im not sure what else to do from here but the debt isnt mine. Some how they have my address and Im not sure if they have my social if they do its definitely fraud! Please help thanks for your time.
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: this company Resurgent capital services report to the credit agencies on XX/XX/2018 before the 30 days opportunity for me to dispute the validity of this debt. I answer letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX, XXXX. who say they where attorneys for XXXX XXXX XXXX, and send a letter to Resurgent capital services on XX/XX/2018 see attach documents.
Company Response:
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was paid off In XX/XX/2017. Since then I have been contacted by Three different collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93455
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: showing inaccurate information please correct the information
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX please they have to much old account
Company Response:
State: FL
Zip: 33990
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A