Date Received: 2018-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ALL 3 CRA AND 3 DIFFERENT COLLECTION COMPANIES ( " XXXX XXXX, XXXX AND XXXX XXXX '' ) DEMAND SAME PAYMENT OF DEBT THAT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY " ... VIOLATES " FDCPA, FCRA AND FCBA '' AND REPORTING SAME ACCOUNT ON ALL CREDIT REPORTS
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: this debt is listed as closed on my XXXX report but not XXXX and XXXX, further more the open date on this account is XX/XX/XXXX not XX/XX/XXXX. the original creditor violated the contract terms and took more more than was authorized on this account and then refused to credit it on the account as a double payment and then tried to show me as noncompliant and delinquent which is not only unethical but highly illegal, several attempts were made to resolve this matter but to no avail, and this is the third company in as little as 5 years to try to collect this debt. XXXX is violating federal law and the fair credit act in changing date and the amount is way off by XXXX dollars this debt is over 8 years old and is no longer valid
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: As far back as XX/XX/2018, and around XX/XX/2018 and sometime after, I spoke to an " XXXX '' and " XXXX '' from XXXX XXXX who told me if I paid the {$940.00} debt in full I would receive ( 1 ) a paid in full letter and ( 2 ) the two derogatory accounts would be deleted from my credit report. ( see attachment ) of both XXXX XXXX XXXX and XXXX XXXX XXXX are is still reporting to the credit bureaus. This debit has been paid and I was expecting it to be removed from my credit report. I have been unable to rent an apartment and I have been turned down for several jobs.
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This business is reporting on my XXXX credit report for a debt that is NOT mine! I have sent them validation letters and they continue to report. XXXX XXXX will NOT verify the debt and keeps using XXXX XXXX which is NOT a proper form of Verification. This debt is NOT mine and i wish to remove them off of my XXXX XXXX report, they will not respond to my validation 609 letters either! Name of business ACCT # XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was having garnishment taken out of my check, had to pay off balance of {$1000.00} at Closing of buying our house on XXXX. Resurgent Capital Services Acct # -- -- -- -- -- -- XXXX Original Creditor XXXX XXXX XXXX Current Owner XXXX XXXX XXXX Current Servicer Resurgent Capital Ref ID XXXX Judgement case # XXXX I am STILL having garnishments taken out of my check! Myself and Kroger Payroll, XXXX XXXX have made MANY attempts to get a Release of Judgement sent to XXXX Payroll to Stop this garnishment! XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX has given us the runaround and now we are being told she no longer works there and we cant receive help from Anyone! We've been attempting to resolve this for 2.5 months and at our wits end as XXXX can not Stop garnishment until she is given Release of Judgement and Then I will need to be reimbursed {$230.00} as of XX/XX/18 This debt was Paid to purchase our House and Case closed XX/XX/18.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed with Resurgent about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to Resurgent. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Resurgent did not oblige. Resurgent letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since Resurgent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX HAS A CARD IN MY NAME THAT I DID NOT AUTHORIZE! Original address traced back to Ohio. I do not live there and have not lived there in over 5+ years. I have tried working this out with the credit card company. It was put into collections before I found out about it. The collection company XXXX XXXX XXXX claims they have sent me multiple letters which they never did. They threatened me with a sheriff by serving me papers but I was not home. I have been in contact with the Collection Agency ( lawyers office ). Collections Agency ( lawyer ) said I had to appear in court if you were accepting the papers. I AM NOT ACCEPTING PAPERS FOR SOMETHING I AM NOT RESPONSIBLE FOR.
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Tried on several attempts to get the company to verify the debt but no response according to the FCRA it gives the company 30 days to respond. I have not gotten a response.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Originally, XXXX XXXX placed a collections account on my credit report in the amount of {$780.00} that I have no recollection of and that I believe is not mine. I have a current credit card with capital XXXX and it is in good standing. I asked XXXX XXXX to validate the debt and just as it reached its 60 day mark to validate, XXXX XXXX sold the debt to XXXX XXXX XXXX and now they own the debt and placed it back on my credit report. I have sent numerous letters asking them to validate the debt and have received no response. I have also sent letter to the credit bureaus and they report that XXXX XXXX have electronically validated the debt but they can not send that information to me. I believe this is not mine and I have a right as a consumer for any debts placed on my credit report to be validated with documentation that is not a bill. This type of reporting is illegal and violates my rights!
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've contacted the credit reporting agency to dispute activity
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A