Date Received: 2018-06-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a old defaulted credit card account originally with XXXX XXXX/XXXX XXXX it is several yrs old. It was bought by XXXX XXXX XXXX. They immediently " parked '' or " re-aged '' the debt ON MY CREDIT REPORT AS OPEN. I DISPUTED WITH XXXX XXXX and the collection agency and was was Told by XXXX XXXX that it Met FCRA AND I DONT THINK IT DOES. also XXXX XXXX ding loc had placed the account with. XXXX XXXX collections I was contacted by them agreed to a settlement amount of {$170.00} And was sent a settlement letter by email was I received it I called to make the payment and was told that XXXX XXXX had pulled the account because I had complained about their reporting practice.they then put it back on my credit report and gave it a newer date
Company Response:
State: TX
Zip: 76903
Submitted Via: Web
Date Sent: 2018-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A credit card account for a XXXX $ balance was opened outside my residential/work state under my name with XXXX XXXX XXXX XXXX on XX/XX/XXXX re acct:XXXX. I found out about the incident on Q4 XX/XX/XXXX and contacted the XXXX XXXX XXXX fraud support line to report the incident. Representatives refused to provide any information regarding the account despite requesting my full name and ssn. I advised them that account was not opened by me and was a result of a stolen identity. They claimed they would take care of it, wrote down my actual verifiable physical address and sent me an affidavit to sign. I signed and returned, and provided an identity theft report reference # XXXX. I later received a call from XXXX XXXX claiming my account had been sent to collection and that I was required to pay the full amount or would be subject to legal prosecution. I notified XXXX of the situation that occurred with XXXX XXXX XXXX and requested they reach back to the Bank and rectify the situation as well as send me all pertinent information. I didn't hear back from them until a collector from XXXX XXXX XXXX in XX/XX/XXXX. The stated this account had gone to collections on behalf of XXXX and I advised them of the ID theft report and requested they investigate and resolve the account. Once again this case resurges with a summons to appear at a pretrial conference regarding the alleged debt, which should have been resolve and removed from my credit report already.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2018-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The collection company, XXXX, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they never responded. Their failure to respond is a violation of the FDCPA per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court, XX/XX/2004
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called Resurgent Capital Services today ( XX/XX/2018 ) at XXXX. I called to request validation of the debt, and was told by the phone representative. That I have to send a request via mail or fax. She refused to take my request. I also asked her not to call my cell phone. She told me that I have to send that request in writing also. I asked to be transferred to her manger. She placed the call in hold, then hung up She tried to collect a debt without stating the MiniMiranda, She refused to validate the debt, she refused to add my cell phone number to her DO NOT CALL list. She was rude and hostile, and hung up on me. I consider her attitude toward me harassing
Company Response:
State: FL
Zip: 33603
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company XXXX XXXX XXXX also operates as Resurgent Capital Services and they respond to me as Resurgent Capital Services, but the credit report states they're XXXX XXXX XXXX. I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$700.00}. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit cards were issued to someone other than myself illegally and the company is refusing to mark it as fraud and insists on collecting the debt from me that I have no knowledge of
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I researched my credit report XX/XX/XXXX. I noticed that there was an unfamiliar debt on there. I mailed a certified letter to XXXX XXXX on XX/XX/XXXX regarding this debt requesting validation. Instead of offering the validation that I was requesting, they have now added this debt to another credit bureau. I am requesting that they remove this debt from all of my credit reports. As I have given them more than the 30 days required by law to prove that this debt is in fact mine.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from XXXX XXXX and sold to this collection agency. I am filing a claim against XXXX XXXX as well. I received a notice from Resurgent Capital Services. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Resurgent and XXXX XXXX on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but Resurgent would send me a printout of incorrect information. I have NEVER did business with XXXX XXXX, but Resurgent is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from XXXX XXXX. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record. These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to Resurgent. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from XXXX XXXX XXXX and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a XXXX XXXX account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection notice dated XX/XX/XXXX from Resurgent Capital Services. Resurgent was attempting to collect on a debt that was never mine and was already dismissed by the civil court in Oregon. Additionally, there were 2 other companies attempting to collect the same debt that was already dismissed. I sent a dispute letter on XX/XX/XXXX. I stated the facts above as well as disputed the legitimacy and requested validation. I also stated that they were to cease collection of this debt until such time as they validated the legitimacy of their collection. On a letter dated XX/XX/XXXX, Resurgent sent another letter attempting to collect the debt again. They have not followed the Fair Debt Collection Practices Act as such. They have not ceased or validated their legitimacy or the validity of the debt. And again, the debt was already dismissed in civil court.
Company Response:
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A