Date Received: 2018-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/14 {$940.00} I have sent a debt validation letter to Resurgent Capital Services on behalf of XXXX XXXX XXXX. The company sent me a Account Summary Report with no signature. I do not have a signed contract nor any contract with Resurgent Capital Services. I have never done business with this company. I am not liable for the collection from this debt with XXXX XXXX XXXX. I am not responsible for this debt with Resurgent Capital Services. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a part in the account from XXXX.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2009, I was notified of a default judgment against me by XXXX XXXX XXXX. I then went to court and filed paperwork based on the fact that ( 1 ) this is not me, and ( 2 ) I was never notified of any debt from XXXX XXXX. For many years thereafter, I would get a letter from a collection agency stating that I owe this and need to pay. I would then respond that this case was dismissed and I do not owe anything and I am not the correct person. They would not contact me again. However, they would sell this supposed debt to another agency under false pretense that I did owe the debt. Then I would have to do this again and again each time. I received another letter last XXXX from Resurgent Capital Services located in XXXX, SC. I responded that I do not owe this debt because I am not the same person, and this case was dismissed entirely. They did not reply. Then early this month, I received another letter from Resurgent Capital Services trying to collect this debt. However, this RCS is located in XXXX, MI. And they attached a copy of the default judgment that has no effect given the default was set aside and the case was dismissed. The purposely left out the fact that this case was dismissed and tried to trick me into thinking there was a judgment against me.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2018, I sent XXXX XXXX XXXX a certified letter with return receipt asking them to validate a debt they had listed on my credit report. They received it on XX/XX/2018 and never responded within the 30 day time limit. To this day, they have not validated the debt by sending me documenation showing that the debt is mine and they continue to report negative information on my credit report.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2018-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX is trying to collect a debt from two accounts that I don't know about and have taken negative action against me by damaging my credit and credit score. I have no documents, agreement, or contract with XXXX XXXX XXXX that's damaging my credit, hurting my credit score, and preventing me from obtaining employment.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2018-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX has been listed on my credit reports since XX/XX/2017. They did not send me a letter per the fair debt collections practices act, giving me 30 days to dispute the alleged debt before they put this debt on my credit reports. Also, when I did send a letter to validate this alleged debt, they supplied me with paperwork about an account with XXXX. I am confused because the way they are listed on my credit reports, it is saying that it is for an XXXX account, both which are not my accounts. I have asked for an original instrument of indebtedness in its original form, with my signature on it, proving that I created this alleged debt and until this day, they have not sent me anything. They are also reporting to the credit bureaus, several times when I dispute this item on my credit reports, that this debt is being reported correctly but have yet to provide me with proof that this is an valid debt. They are also threatening to sue me in court and damage my credit rating for a debt they can not prove that belongs to me. I want this harassment from XXXX to stop immediately.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX NO ; XXXX C/O Resurgent Capital Services ; XXXX XXXX XXXX XXXX SC XXXX ; this was sold to the collection company from XXXX XXXX XXXX, and I received notification from all 3 Credit Bureaus that XXXX XXXX XXXX was Deleted from my credit, and this is the only one that is showing up on my report would like this Deleted from my credit as well
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
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: I found accounts on my report by XXXX XXXX XXXX I wrote all three bureaus and and XXXX deleted one of the accounts I sent a letter to validate the ac oytns snd proof on who they were I never got back a answer now it's 60 days still nothing and they will bot delete these accounts from my credit They are on all three credit bureaus for collections This company is showing two accounts that they will not validate or show any proof od who or what they are
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent capital services is reporting inaccurate balance also inaccurate name because my name is XXXX XXXX XXXX on my credit bureau ( XXXX ) please look at the supporting documents
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX has a collection account on my credit report that is not mine. I have requested proof of debt 4 times. Including certified mail. I have not received any response from them. When I call them I get bounced around and can never speak to anyone. This is not my debt. I'm not sure what other steps I need to take. Thank you for your help.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2018-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A