Date Received: 2018-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX SOUTH DAKOTA N. was placed on my credit report XX/XX/2018 Erroneous reporting, violation of FCRA, FDCPA and failure to validate account before reporting to credit bureaus. This is a violation of my rights under the FCRA, and the violation of their requirements under the FDCPA because they still are reporting this account WITHOUT validation.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Good afternoon, I had a credit card with XXXX XXXX XXXX.it was sold to a collection agency called XXXX XXXX ( account XXXX ) Their address XXXX XXXX XXXX XXXX sc XXXX Then another company trying to collect on the same debt called XXXX XXXX ( account XXXX their address XXXX XXXX XXXX XXXX XXXX MN XXXX Then another called Resurgent capital account XXXX Adds XXXX. XXXX XXXX XXXX MI XXXX None of them would validate the debt because XXXX XXXX bill me some items in error
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2018-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: talk to the original creditor if they informed me that the dead is 20 years old good standing with the company you can open an account at any time send a letter on XX/XX/XXXX to collection agency along with all three credit reporting agencies and XXXX XXXX They have not responded within the 30-day. They have not removed the claim from my account I have no contract with this agency it before no services for me they are committing fraud I want this account removed XXXX XXXX c/o resurgent capital services for a XXXX account for XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am working with XXXX XXXX XXXX. XXXX XXXX XXXXf settled with these two companies and it is being paid monthly. XXXX should not have this bill in collections.
Company Response:
State: WA
Zip: 98584
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an unverified account from RESURGENT CAPITAL SERVICES a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with RESURGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. RESURGENT CAPITAL SERVICES has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to RESURGENT CAPITAL SERVICES requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that RESURGENT CAPITAL SERVICES, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RESURGENT CAPITAL SERVICES is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with RESURGENT CAPITAL SERVICES.
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently reviewed my credit report and noticed an erroneous account being reported by XXXX XXXX XXXX to the Credit Bureaus. Knowing that I've never done business with XXXX XXXX XXXX this presented some red flags. I immediately sent a dispute letter via certified mail on XX/XX/XXXX, tacking # XXXX XXXX XXXX XXXX XXXX, requesting VALIDATION of the debt. I simply requested LVNV provide copies of any papers showing I AGREE to pay what they say I owe per the Fair Debt Collection Practices Act. The certified mail was delivered on XX/XX/XXXX @ XXXX. On XX/XX/XXXX I received a response from Resurgent Capital Services claiming to represent XXXX XXXX. In their response they claim the original creditor is XXXX XXXX XXXX and attached an account summary with alleged charges which they claim provides verification of debt. I have never done any business with XXXX XXXX XXXX. On XX/XX/XXXX I sent a follow up dispute letter via USPS to both XXXX and Resurgent, tracking # XXXX XXXX XXXX XXXX XXXX. The dispute letter arrived on XX/XX/XXXX. In that letter I stated that their response did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Anyone can type up a fake statement and put your name on it. I am just asking for a signed contract proving I agree to pay or agreeing to enter into a contract with said party. I can guarantee there will be no such thing as I did not enter into any agreement with the bank. I have no problem making this a legal matter but would rather this get resolved outside of court. On XX/XX/XXXX a response was provided once again with NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe {$1100.00}. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. An example will be made of these criminals. I also sent dispute letters to the 3 credit bureaus. I have not heard anything back yet. I am hoping they find this reporting to be false and erroneous.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
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 XXXX is reporting on my credit report and I never received anything from them nor do I know what this is. I have disputed it with the bureaus and they have yet to validate the account. XXXX XXXX is not valid verification and XXXX XXXX doesn't have any documentation for this debt.
Company Response:
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX has violated FDCPA 809. Validation of debts. The day after they received my response in XXXX disputing the alleged debt they entered false information on to my credit report. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. " I have been requesting the signed contract for this account for over 5 months now and they have not been able to produce it because it doesn't exist! They keep showing statements -- - statements do no establish who took out this alleged debt! Where is MY SIGNATURE?? Who took out this debt??? Where?? At this point I consider this harassment and defamation of character.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Trying to get me to pay a debt that I do not owe. This debt is owned by another company and is past the statue of limitations.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A