Date Received: 2018-07-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Did not receive notice to dispute debt for {$280.00}. I do not know the date. The company forwarded debt to collection agency and agency did not contact me prior to placing it on my credit nor giving me opportunity to dispute or work out a payment plan.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
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: On XX/XX/2018 a debt validation pursuant to law was requested from Resurgent Capital Services and was signed and received by a XXXX XXXX on XX/XX/2018. In a letter dated XX/XX/2018 validation was not satisfied as requested since all that was received was a notice that I have a right to substantiation of debt. There was no clear proof that the debt was accurate or valid, in clear violation of 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. Not only did I not receive the requested validation, the amount of debt, proof of service, or proof of ownership was not provided.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2018 I sent a letter to who I believed to be the owner of the debt in question to validate said debt. Creditor responded by sending a " account summary report '' as opposed to what is required by law. On XX/XX/2018 I submitted letters to all three credit reporting agencies demanding that they remove the account attached to " XXXX XXXX '' from my credit report as inaccurate. I disputed this report because ( 1 ) the listed owner of the debt did not accurately reflect the entity attempting to collect the debt, and ( 2 ) the entity collecting the debt did not provide adequate information under FDCPA because they did not submit a signed copy of the contract from the initial credit provider. Subsequently, the account was removed from my credit report. However, about a month later, the debt was recertified on all three credit reports. I sent another letter to the entity that was attempting to collect the debt requesting that they verify if they were the owners of the debt, and if not, to cease and desist attempting to collect. I again was sent an " account summary report '' with no response to my further questions.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2018-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have made multiple attempts to correct this issue of inaccurate information reporting to my credit files namely XXXX as the other credit bureaus have complied with the inaccuracies of the collection agency XXXX and the lack of validation provided to me upon my requests from the collection agency, I have never been served properly as stated in their prior response and the per the statute and their own admission this item should be removed from all credit reporting agency 's that they have reported it to as of XX/XX/2018. However it still reports to XXXX as the other agencies have complied with the law. Attached is a letter from XXXX XXXX regarding the account and their statement saying a request to remove this obsolete data from the credit agencies should be done from their end XX/XX/2018.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I am including a copy of each judgment that was ruled in my favor. FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : XXXX XXXX # XXXX**** I XXXX AS ASSIGNEE OF XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : JXXXX XXXX XXXX. Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ). XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}. XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX., IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX. CERTIFICATEOF MAILING FILED. XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUM MONS ISSUED. XX/XX/XXXX SUM MONS FILED.
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This Collection Agency ( XXXX XXXX ) has never contacted me, gave notice to me, nor furnished to me any documentation verifying the collection debt they supposedly are collecting from me. To make matters worse, they now have put a negative remark on my credit report stating that owe a large balance amount which is not even my debt, as a result, it has damaged my credit with all 3 credit bureaus. They allege I owe them {$8300.00} It shows the account was opened on XX/XX/2016 ( 1 yr, 10 mo 's ) *But, there is No Account Number nor the identification as to " What Type '' of an account it is.
Company Response:
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: IN REGARDS TO XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND XXXX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
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: The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX. XXXX XXXX closed this account on XX/XX/XXXX and charged it off. XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I sent a correspondence to XXXX, XXXX ( received XX/XX/XXXX per USPS tracking XXXX and signed for by a XXXX XXXX ) in regards to this corporation being sold an alleged debt, that is not mine but is in my name. I initially request for a lawful verification of the alleged debt and advised that attempting to collect is in violation of 15 U.S. Code 1692g. I initiated this correspondence before receiving any communications from anyone from XXXX, XXXX. On or about XX/XX/XXXX I received 3 ( three ) correspondences at once from a Resurgent Capital Services that claims to service XXXX, XXXX accounts. All of these correspondences are dated XX/XX/XXXX, which is very odd since all of the content of these correspondences say different contradictory things. One claims that I have 30 days to dispute the validity of the debt, which I already initiated on XX/XX/XXXX before receiving any communication from XXXX, XXXX or any other organization ; another requesting an affidavit from me, when they are the ones that need to provide a sworn affidavit to verify the alleged debt, not me ; and finally the remaining correspondence claims to have provided verification of the alleged by providing so called statements which may have been forged from the alleged original creditor ( XXXX XXXX BANK ). This sending 3 simultaneous letters with different content appears to be some type fraudulent and unlawful act on the part of representatives from Resurgent Capital Services and XXXX, XXXX. Also, none of their correspondences provided anything from my initial request. I immediately responded and sent another correspondence dated XX/XX/XXXX ( the same day I received their communications ) rebuking their fraudulent correspondences, it was received on XX/XX/XXXX per USPS tracking number XXXX and signed for by a XXXX XXXX. As of XX/XX/XXXX, I have not received any response from a representative of XXXX, XXXX or Resurgent Capital Services which demonstrates to me that this corporation and it's representatives are intent on practicing fraudulent and unlawful activities. In addition to this complaint I have filed a police report with my local Police department ( XXXX Police Department TR # XXXX ) as one of the final steps before pursuing litigation. I have attached copies of my XX/XX/XXXX and XX/XX/XXXX correspondences for the record.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A