Date Received: 2018-09-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX, XXXX debt collectors have re-aged my account by 3 years. Debt to XXXX due to unemployment layoff and new baby at the time in early XX/XX/XXXX went unpaid. Now in XX/XX/XXXX, it shows only 3.75 years. Company is misreporting the debt. Please investigate. Thank you, XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an account in collections with XXXX XXXX with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XX/XX/XXXX XXXX XXXX has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: For years I have dealt with this fee that has effected my credit and wasted so much of my time. I dealt initially with the XXXX XXXX fraud department and thought the issue was resolved. Now I am dealing with a collection agency, that has caused ANOTHER hit to my credit and more wasted time. I do not owe this money and want my name removed from all call list and this taken off my credit report.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Good Evening. So, in 2017 I submitted an investigation with your agency the CFPB with regards to the only inaccurate account on my XXXX, XXXX and XXXX, an inaccurate collection account reported by a XXXX XXXX. Within days of my investigation request, XXXX XXXX replied to us acknowledging error and deleted the inaccuracy ... Today, I discovered XXXX XXXX has now again, started to report the exact same inaccurate account that you helped me previously resolve ; I believe this is a clear violation of the FDCPA Act and this false credit tradeline obviously needs to again, be removed immediately- Very unfortunate collection outfits like this can so easily report this information and I thank you again for your assistance. XXXX XXXX
Company Response:
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: At XXXX XXXX cst I received a call from my mom who then asked me about debt via XXXX. I say what and she states a woman on the other line mentioned it to her. I was bothered that any possible debt was mentioned. I was brought in to talk on a three way call. Young lady did not verify me until later in the call. Asked her to not call my mom. Did not think to tell her not to tell her to not share information with third party. The business was LVNV Funding, LLC
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services is reporting an invalidated account on my credit file that does not belong to me ( Reference number XXXX ). I have never done business with their client nor them. I spoke with someone name " XXXX '' requesting validation of this alleged account and why this company thinks they have the right to report this false information on my credit file. This company is violating my rights, federal and state laws under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Defamation of Character.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX / Resurgent Capital Services is claiming I owe {$700.00}. Original Creditor listed as XXXX XXXX XXXX. I have no knowledge of this account whatsoever. I have disputed this via XXXX but the account has not been removed. I received a call from the debt collector who verified my identity by telling me my SSN and DOB and the DOB was incorrect. I sent a certified letter to XXXX / Resurgent Capital Services at Resurgent Capital Services XXXX XXXX XXXX, SC XXXX. The letter I sent XXXX / Resurgent demanded they mail me evidence the account belong to me but I have not received any letters validating the debt.
Company Response:
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX is committing fraud. I pulled my credit report and I noticed XXXX XXXX is negatively affecting my credit profile.I never had a contract with them, I never agreed to do business with them, and I never received anything from them. They are stating they bought a debt from a creditor and they have been reporting since last XX/XX/XXXX. I have tried disputing this inaccuracy in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with them but they haven't sent me anything they just keep verifying to the Credit Bureau. XXXX XXXX is breaking the law, according to FCRA all information reported must be 100 % accurate not fraudulent. Please delete this inaccuracy / fraudulent information from my credit profile.
Company Response:
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX I applied for and received a XXXX XXXXXXXX XXXX Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with XXXX XXXX XXXX based on what I felt was a BAIT & SWITCH Scheme. XXXX XXXXXXXX XXXX did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but XXXX XXXXXXXX XXXX sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Regarding XXXX XXXX for XXXX XXXXXXXX XXXX - XXXX acct. no. XXXX. XXXX/Resurgent Cap., and now XXXX XXXX XXXX have continually refused to supply requested information regarding an account which has been reported as a collection with the CRAs since XX/XX/18. I initially spoke with a representative from this company, XXXX XXXX, and informed her that I wanted to clear up this debt, which doesnt belong to me. At the time I was uninformed about certain debt practices, and my rights as a consumer. Attempting to clear up and pay off old debts, which I am in the process of, I purchased debt monitoring via XXXX, and learned that XXXX XXXX listed this debt as a collection on XX/XX/18. I have disputed this debt with the CRAs since XX/XX/18, requesting they they verify and/or validate this debt. After multiple dispute letters to the CRAs, XXXX XXXX continues to update this account as valid, while refusing to provide signed contracts, or providing bills of sales totaling the staggering amount of XXXX. As XXXX is a mail order company, I would have no reason to purchase any items totalling this large amount. I have never requested or received a credit card from XXXX. I didnt even know they existed. I would like to determine if someone has used my information to purchase items using my name. But XXXX XXXX refuses to provide me or the credit bureaus any validated information. In the process, I received a letter from XXXX XXXX XXXX, dated XX/XX/18. But received in XX/XX/2018, who state that they are now collecting this debt for XXXX XXXX. I phoned XXXX XXXX. XXXX. on XX/XX/18 and spoke with a representative, XXXX, who suggested that I dispute directly with XXXX XXXX, instead of the credit bureaus. XXXX XXXX received the certified dispute letter on XX/XX/18. While patiently awaiting a response from XXXX XXXX, instead of a response to my dispute, I received an alert from my XXXX account today XX/XX/18, that a new collection for this invalidated item has now been added to my XXXX report, where it had not appeared previously. ( I initially thought that it was reported to all three bureaus ). Now this negative information IS reporting to all three bureaus. As a XXXX XXXX, Im in the rebuilding stage of credit, and this negative, unverified collection account is hindering my ability to move forward. I have owned and paid, and continue to pay off old, legitimate accounts to other lenders. I dispute this particular debt because I do not recognize it as an account opened by me. I have done everything that I know possible to request validated information of this account. This is the only account that I do not recognize or accept as mine. Please assist in acquiring the requested proven validation of this debt, in the form of signed contracts, bills of sales, etc. to prove beyond a doubt that this debt is mine. Or, request that this collection be deleted immediately and permanently from my credit reports. Thank you kindly, in advance, for your prompt assistance. XXXX XXXX
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A