Date Received: 2018-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: These people were contacted by me as well as XXXX they had no information also told me this debt was well over 7 years old I am the victim of if theft this is fraud and they said they were disputing it over 60 days ago yet nothing has happened I even mailed them a is theft affidavit they still try to collect fraudulent account money 's
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX has never contacted me in regards to this alleged debt, I have submitted mailings and accessed their website to try to obtain more information and I've never received anything in writing stating I have a right to dispute the debt, or that they claim they are collecting on the debt. I have no idea where this debt is coming from, I was only made aware when I contacted the credit bureau and say it was listed only listed on my XXXX report.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: i have not recieved any proof of verification on any debt owed on my credit report
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been in recent communication with a company by the name of Resurgent Capital Services Since XX/XX/XXXX. This company claims to be managing a collection account on behalf of XXXX XXXX. In their correspondence, they stated that this debt was acquired from two different companies. One by the name of XXXX XXXX, XXXX and the other by the name of XXXX, XXXX. I requested validation of this debt that included the name and address of the original creditor, a copy of the original contract or judgement, and full record of statements so that I could validate the charges on this account. I also requested the Chain of TitlXXXX and purchase agreements showing all of the agencies said to have had legal ownership of this particular account. I requested this information more that twice and Resurgent Capital Services/ XXXX XXXX has not provided any proof of validation or legal ownership of this account. However, they continue to try and collect on this account and are still reporting this alleged account to my consumer reports. I have been disputing this issue with the company directly as well as the three major credit bureaus since XX/XX/2018 and have done all that I can to get this account verified. This company is in direct violation of the FDCPA as well as the FCRA due to continuous collection activity and credit reporting without validating this account. This company has only sent me two credit card statements and an account summary prepared by their office. One of the statements didnt list any charges at all, just a total balance. This company has not verified that this account belongs to me and was opened by me ( through a copy of the original contract ), nor have they proven legal ownership of this account ( through a copy of the Chain of Title and purchasing agreement ). I have attached all of the correspondence between myself and Resurgent Capital Services/XXXX XXXX XXXX for your review. Please have this company cease all collection activity and reporting until they can provide all of the validating proof including ownership of this account.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XXXX is illegaly attemptinh to collect on an unverified account which is in dispute. I have a dispute entered with the credit bureaus on this accunt and received paperwork for a judgement/ garnishment wages in the mail today.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter to have XXXX XXXX XXXX to have them Verify my debt In with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. windstream is the original debitor. i want this removed from my credit reports. I did not incur these charges or ever reside at the residence where XXXX was purchased. Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00}
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I settled debt with 2 credit cards XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.
Company Response:
State: NY
Zip: 10309
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please be advised XXXX XXXX operates as a third party collection agency, and from my research is not the current holder of this alleged debt. Because of the fact XXXX XXXX has no legal standing to report this alleged debt to any credit bureau. I am requesting that XXXX XXXX be barred from access to the credit reporting agencies immediately.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A