Date Received: 2018-04-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: i notified, this is not my account, and they insist on collecting and sending me to jail, i ask for the copy of the application, and they don't send it.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: original creditor XXXX XXXX ''XX/XX/XXXX '' debt was sold to XXXX XXXX in XX/XX/XXXX I were contacted by mail I responded to XXXX XXXX I asked them to to provide me with proof that the debt were valid they were not able to provide proof they were then sent a letter to to cease futher collections on this time-barred account XXXX XXXX sold the account to RESURGENT CAPITAL SERVICES I were contacted BY MAIL RESURGENT CAPILTAL SERVICES STATED IN THEIR LETTER THAT THEY RECEIVED AN " INQUIRY '' AND THEY WERE INITIATING AN REVIEW I CONTACTED THEM TO ASK THEM THE LAST TIME THEY RECEIVED A PAYMENT ON THE ACCOUNT AND I ASK IF THE ACCOUNT WERE TIME BARRED THEY DID NOT ANSWER THE QUESTION AND THEY COULD NOT PROVIDE A DATE FOR A LAST PAYMENT RECEIVED AND I TOLD THEM THE ACCOUNT IS TIME-BARRED
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested several times that this debt be validated the information that was sent to me was not proper validation. There is no contract that I ever signed with XXXX XXXX XXXX.I was notified today that this account has been closed but in my correspondence I asked that this be removed from my credit file.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The collection agency/debt buyer has categorically ignored all attempts to dispute this debt and has merely sent generic letters showing that they are initiating a " review '' of my inquiry. The agency has violated the FCRA and FDCPA by not properly marking the debt as in dispute. They should be prosecuted to the fullest extent of the law. On or about XX/XX/XXXX they placed a fraudulent trade on my bureau alleging I owe XXXX XXXX. I do not. I sent letters disputing the debt as fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was ignored each and every time. I disputed with the bureaus and they merely verified, knowing full well I did not open the account.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Every so often XXXX XXXX XXXX sells they inventory to other agencies or affiliates trying to collect on a 12 year old credit card debt that was previous discharged. I have made several attempts at quashing the companies, but they are too many to continuously having to write to and asked to cease and desist. Listed among their current agencies are : 1. Resurgent Capital Services L.P 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX 5. Resurgent Capital Services PR, LLC 6. XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, XXXX 8. XXXX XXXX 10. XXXX XXXX XXXX XXXX. XXXX , XXXX 12. XXXX XXXX XXXX, XXXX 13. XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: OK
Zip: 73703
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have sent in XXXX/XX/XX/XXXX payments and XXXX XXXX has not cashed my checks. I tried to call them and got recorded message they are not accepting calls. When I checked the internet to see if they were still in business it indicated that XXXX XXXX closed effective XX/XX/XXXX to contact a number that is listed for XXXX. When I called the number it was Resurgent spoke with XXXX XXXX on XX/XX/XXXX he confirmed that XXXX XXXX closed effective XX/XX/XXXX. I advised that I have not received any letters or documentation of this. He directed me to contact new servicer XXXX, XXXX, XXXX XXXX XXXX. Who are these people? Are they going to steal my money like XXXX XXXX? Why are these companies/lawfirms sending letters notifying customers? I need debt validation letters from Resurgent and the new servicer. I need proof.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company XXXX XXXX attempted to collect on a debt that was not mine and could not be legally validated pursuant to the FDCPA. This company has utilized two different collection agencies for an alleged account with XXXX XXXX XXXX.
Company Response:
State: MS
Zip: 39042
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet XXXX is still reporting false information inwhich I'm demanding be deleted from my current credit report.
Company Response:
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A