Date Received: 2018-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled my debt with XXXX XXXX a while back. The debt was resolved. Now, a collection agency name XXXX/Resurgent Capital is reporting this debt on my credit report and trying to collect monies from me. I have told them that I have already settled the debt with XXXX XXXX, but they don't seem to care. They seem to want me to pay it twice.
Company Response:
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX/RESURGENCE CAP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXXXXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXXXXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Company Response:
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus. act # XXXX
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
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: There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and XXXX, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX Resurgent Capitol Services. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity. The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- Resurgent Capitol Services. Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- capital resurgent services- is attempting without validation or proof. Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. The last inquire was XX/XX/XXXX- to XXXX via priority- detailing the illegal efforts to collect of an validated debt. Response XX/XX/XXXX- this account has been in question since XX/XX/XXXX. XXXX refuses to report method of validated or methods investigation. Yet still reporting to XXXX I have sent certified proof of this fraud and illegal efforts to collect. XXXX denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A debt collection company called Resurgent Capital services continues to report negatively to the credit bureau on an account that is not mine. I have sent letters, called and tried to work with this company. They are saying I owe XXXX from 2016. I continue to request from them proof or signature or application or something from this account and they refuse to provide.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
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 have lodged a dispute with XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and most recently in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Company Response:
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX has a fraudulence case against defendant and garnish wages-false notice of rights for defendant to dispute the case at the time of an alleged judgment. 2 courts can not verify debt to tell defendant what credit card XXXX is garnishing defendant wages for. lawyers could not know what credit card in question XXXX are garnishing defendant wages for. credit card account information in document to garnishee is unknown. XXXX used improper service and correspondence to have an alleged judgment against defendant. defendant did not receive valid information to verify debt as XXXX wants to collect incorrect amount of money from defendant. Defendant learned such garnishment from Garnishee and after money was subtracted from defendant paycheck. XXXX is in violation of FCRA ( fair credit reporting act ). Attorneys of XXXX are using misrepresentation to have an alleged judgment and to garnish defendant wages and these, I believe, are violations of FCRA and of sensitive security information that is controlled under 49 C.F.R. part 15 and 1520. Please, CFPB stop XXXX and this garnishment to protect consumer.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive been trying for the past year to work with this company to remove this inaccurate item off my credit. They removed one account which was acknowledged that both accounts were fraud. Ive sent all documents in to prove that these items were fraudulent. This company sent notice back in XX/XX/XXXX of last year stating that they were removing both accounts from my credit and theyve yet to do so. Ive been speaking with someone by the name of XXXX hes very nonchalant, unprofessional and uncaring about the whole situation. This is causing great stress and Ive been seeing my doctor more frequently because this is causing my XXXX XXXX to go up putting me in a state of mind that Ill never be able to move forward with my home buying process because this item is holding me back. Ive spoken to an Attorney ( XXXX XXXX ) about moving forward with filing an lawsuit where Ill be seeking damages, and pain and suffering. This is my 8th CFPB complaint against this company and Ill continue to file more until this issue gets resolved.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received letter on XX/XX/2018 by XXXX XXXX XXXX in response to a letter that I sent them asking them to validate the debt. The company refused to validate the debt stating that my dispute was prepared by someone other than my behalf. It was a notarized letter I had sent to them. They are in violation of the Fair Debt Collections Act for refusing to validate the debt. Please also be aware " XXXX XXXX XXXX '' aka " XXXX XXXX XXXX XXXX '' is not authorized to collect the debt within the state of Utah. They are not registered in the state of Utah.
Company Response:
State: UT
Zip: 84084
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A