Date Received: 2018-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have sent out numerous letters to the credit bureaus regarding these accounts with XXXX XXXX regarding an alleged debt ACCOUNT # XXXX {$1800.00}, ACCOUNT # XXXX {$1500.00}, ACCOUNT # XXXX XXXX. I have been writing disputes letter to the company and the credit bureaus requesting to validate that this is my debt or account XX/XX/XXXX and they have failed to provide me with any contract that i signed with them or with any contract with the original creditor bearing my handwritten signature. And this is with XXXX AND XXXX.I HAVE WROTE XXXX ON XX/XX/XXXX AND THEY HAVE DELETED THE INACCURATE INFORMATION 0NXX/XX/XXXX XXXX HAS DELETED THE INFORMATION OFF MY CREDIT REPORTING BETWEENXX/XX/XXXX AND XX/XX/XXXX AND THEN REINSERTED IT BACK ON MY CREDIT BETWEENXX/XX/XXXXAND XX/XX/XXXXWITHOUT NOTIFING WITH ANY LETTERS OF REINSERTION. THEY ARE REQUIRED TO NOTIFY ME IN WRITING WITHIN 5 DAYS ACCORDING TO THE FCRA. AND THEY HAVE NOT YET TO DO SO AND ITSXX/XX/XXXX. I WROTE THIS LETTER TO XXXX ABOUT THIS MATTER ON XX/XX/XXXX. XXXX IS DOING THE SAME.THEY ARE REPORTING INACCURATE INFORAMATION ON MY CREDIT REPORT THEREFORE DAMAGING MY CREDIT BEYOND REPAIR. I HAVE GIVEN THEM AMPLE AMOUNT OF TIME TO VALIDATE AND CORRECT THIS MATTER.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: They have called 3 days in a row I asked them to stop calling me I explained I am XXXX and in foreclosure and will be filing bankruptcy They said they will note the file. The 2nd day they hung up on me when I tried to explain what happened the first call. Today they threaten me with wage garnishment bank garnishment. I tried to tell him to read the note from the first call he would not listen. I cursed him out with stop calling me. They have called 3 days in a row and get more persistent. each time
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: open over 10 years sold to different creditors XXXX XXXX {$8300.00}
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There was a collection with XXXX XXXX that I have been disputing. The account was approximately 5 years old. I disputed many times and it was finally taken off. Only to return through a company called XXXX XXXX XXXX with a resetted date of XX/XX/2017. 5 years of age turned into 3 months is unacceptable and illegal. This needs to be taken off immediately.
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2018-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested that this company validate the debt that was sent to me and proof that they were licensed to collect this debt. This company did not fully validate the debt and they are not and they are not licensed to operate in my state.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours
Company Response:
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX is showing i owe them {$1500.00}. this account is not my account. I have Ask XXXX to provide the sign contract agreement that i supposed to sign. They wasnt able to provide proof of contract. I need this accound removed from my credit account. Date XX/XX/2014 XX/XX/2014
Company Response:
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I received a letter from Resurgent Capital Services attempting to collect a debt on the original creditor XXXX XXXX XXXX in the amount of {$3100.00}. The original debt in the amount of {$620.00} was discharged XX/XX/XXXX. This debt is well past the statute of limitations.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I missed some payments with this credit card company sue to some financial hardship at the moment. Immediately they reported the missed payments to the credit bureau by putting the amount outed into collection which damaged my credit very badly.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A