Date Received: 2018-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX XXXX XXXX tried to Garnish my accounts. Asked the Court for a request for a hearing as I was never notified of a court proceeding against me for a garnishment to occur. Court denied my request as there no accounts Found Mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding what this was about. Never received a response back from XXXX XXXX In XX/XX/XXXX pulled a Credit Report and saw that I had two public records on my Report 1. XXXX XXXX 2. XXXX XXXX Wrote a letter to XXXX XXXX Court inquiring on these accounts on XX/XX/XXXX Received a response back from XXXX XXXX Court Date Stamped XX/XX/XXXX Wrote a letter again to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding this matter in XX/XX/XXXX. No response from this Plaintiff In XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX, more like a collection letter stating they are trying to collect a debt. I contacted the number on the paper XXXX and spoke to a " Bill Collection Specialist '' and I inquired as to this debt. I was told they had not filed any suit against me but if I did not pay they would. I gave them the case number and the court and asked for proof of this debt. I also mailed a letter to the address on the letter with the same questions. Never received a response The next time I would receive a response would be from another attorney with XXXX and XXXX who states a judgment has been entered against me and I have 30 days to dispute the validity of the debt and I did so in a letter. The letter from the attorney stated that If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor. If within the thirty-day period that begins with your receipt of this letter, you send us a written dispute of all or any portion of the debt or request in writing the name and address of the original creditor, we will suspend our efforts to collect the debt until we mail the appropriate information to you. The only response I received from that letter was a Motion for Entry of appearance from the same attorneys. Since this was dated XX/XX/XXXX and it was not too long ago I mailed my letter of dispute I did not worry about this letter. Then I received a letter from the court that this attorney garnished my bank accounts. Except I do not have any money in the accounts. All the money belonged to my husband from his paychecks and they took his money. The final response was a letter from the court that a garnishment was sent to my bank and the bank withdrew all of the money belonging to my husband including the money he placed in the joint account to pay the bills that now the money is gone and the bills are coming through electronically. Still no response to my letters. NONE OF THEM
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by RESURGENT CAPITAL SERVICE, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received an alert today that an account from this company was reported to my credit report and I have not received any notice or anything at all explaining why! I do not have and written contracts with this company and have NEVER been in contact with them! This is against my consumer rights that this was done and I want it fixed immediately and my 32 points reimbursed to my report or I would have no choice but to exercise my consumer rights and take further action!
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018, this debt for {$890.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted XXXX XXXX which is reporting a collection acct to all XXXX credit bureaus on XX/XX/18 requesting debt validation and also inquiring why multiple companies are attempting to collect on the same debt. After 30 days with no response or acknowledgement I sent a second request for status on my debt validation letter. I still received nothing from XXXX XXXX. On XX/XX/2018 I received a letter from Resurgent Capital with a copy of credit card bills. My FDCPA rights were violated as I did not receive proper/accurate debt validation as well as it was not within the 30 days. I have submitted numerous request to the company as well as the credit bureaus attempting to resolve this issue with no luck.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed with the credit bureaus about an account I seen on my credit report, they came back saying the account was verified. I asked how was it verified they claimed I had to call the collection agency. so I called XXXX XXXX/ RESURGENT and asked how did they claim the account was verified they said just by my social. the first person I spoke with as named XXXX, who on a recorded line stated they only verified using my social security number no other identifying information was given from the original creditor. if I wanted more information I would have to write them for it. why would I need to write them for more information when she already told me they just had a social to verify it. where is the contract signed, dated with proof of my identity that was used for the account in mention? there was non. so iasked to speak to a supervisor which her name is XXXX, she was no help at all. she said we can dispute it again I asked how would you verify the account is mine? she said by social. so no one has physical proof of this account? nothing more than a social security number? that's how people get over on things because no one asks for photo ids along with social security or other identifying documents, so much identity theft in the world.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reported this numerous credit bureaus information is fraudulent on XXXX XXXX XXXX XXXX Has been notified by calls and letters. I did not open this account I did not live at the address at that time I have asked for proof receipts and original documents I have signed and proof they legally obtained this debt and have gotten nothing. They harass me constantly with collection calls. They also threaten and call people liars. Any help would be greatly appreciated. Thanks XXXX XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am trying to figure out who this collection company is XXXX XXXX XXXX I have never signed anything from them and I just want them to verify that it's me that owes them {$560.00}, I've sent letters and have got them removed from XXXX but not XXXX and XXXX
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX called my home phone. My XXXX year old son who has XXXX answered. XXXX asked him some questions about me including D.O.B. which he gave them. They then proceeded talking with him about a debt they say I owe. After a minute or 2 I realized he was talking about me and I quickly grabbed the phone. I asked who the caller was and they quickly hung up.It wasn't until XX/XX/XXXX at XXXX XXXX that I found out who it was after they called my cell phone with the same number used to call my home. Today is XX/XX/XXXX and they called again yesterday XX/XX/XXXX at XXXX XXXX. claiming I owe them money. I have no information stating I owe them anything or where the debt is from. I also have nothing from them regarding my rights to verify or dispute their claim which they are required by law to send within 5 days of initial contact which was back on XX/XX/XXXX when they talked with my XXXX year old son.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.
Company Response:
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A