Date Received: 2018-04-20
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: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The account is a fraudulent XXXX account posted on my XXXX and XXXX credit report. As I stated to them before this is not my account and it is fraudulent. I need this taken off immediately because it is not my account and negatively affecting my credit report. On my XXXX it even states XXXX XXXX XXXX is the direct lender and I have no ties to the company or XXXX. I have never received communications at all from this company either. I have fraud alerts and police reports on file with the credit bureaus as well.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX, XXXX XXXX, XXXX for amount of {$760.00}. I have sent XXXX XXXX, XXXX a debt validation certified on or about XX/XX/XXXX. XXXX XXXX received my debt validation on or about XX/XX/XXXX. XXXX XXXX did not respond. XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is trying to re-collect and still has not validated my debt validation which was sent to them and also XXXX XXXX XXXX reported to all 3 of my credit reports.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX/XXXX XXXX/XXXX XXXX, yes all three have been harassing me over an erroneous account that I have never once even seen a bill for or received anything showing me that this account is mine. I told XXXX XXXX a few months ago to leave me alone after substantial harassment and lack of any evidence of a {$640.00} debt. CFPB you actually investigated this and found my statement to be true and had the credit bureaus remove the account t from my credit report. I was told I would be left alone. Next thing I know a couple months later and this account was sold to XXXX XXXX and now I am being harassed again. I yet again have not ever once received a bill, a statement, or anything from anyone showing this is my account. I am not repsonsible for this {$640.00} debt that keeps popping up In my credit report and causing me me undue XXXX and XXXX. This is not mine!! No one has ever provided evidence this is a real account even so how is that legal? CFPB, this is not right you lied to me and told me this was taken care of with XXXX and now your doing nothing about this debt being resold and readded. There is no difference in this debt and it not being mine from when it was removed when it was owned by XXXX to it being owned by XXXX now. It should be removed just like it was before and I should be left alone. This is a major violation to my FCRA rights! I seen today that CFPB is under some hot water for leaks within the agency and now I believe it!!
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I demanded that the following account be removed from my credit report : XXXX , XXXX Account # XXXX
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX responded to complaint number XXXX on XX/XX/2018. They requested That I provide an identity theft report for them to proceed. Attached is the report they requested with my statement written on the report.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
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: XXXX XXXX XXXX-I believe this is a XXXX XXXX XXXX credit card originally. XX/XX/XXXX XXXX XXXX CFO sent Certified Mail return receipt requested sent to dispute debt, no response. XX/XX/XXXX sent second certified mail return receipt requested sent to CFO XXXX XXXX, no response. XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO XXXX XXXX, disputing debt, no response. Then, I filed a complaint with cfpb # XXXX, no response from your company. I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX has validated the debt since XX/XX/XXXX. I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt. I am sure this is in the records that XXXX has when they bought the debt second hand from XXXX XXXX.
Company Response:
State: IL
Zip: 62959
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, SC XXXX ( XXXX ) XXXX ( XXXX ) XXXX Re : Acct # XXXX DEAR SIR OR MADAM : This letter is regarding a negative inaccurate account or accounts, which you claim A CHARGE OFF OF XXXX $ FOR XXXX XXXX AND XXXX FOR XXXX .This is a formal notice that your erroneous claim ( s ) is/are now disputed. I ALSO BELIEVE THIS IS DOUBLE JEOPARDY AS IT IS REPORTING A NEGATIVE AND CHARGED OFF IN BOTH ACCOUNTS? I REALIZE YOU SOLD THIS ACCOUNT TO XXXX, HOWEVER BOTH OF YOU ARE NEGATIVELY REPORTING TO THE BUREAUS. SINCE I HAVE NO RECOLLECTION OF SAID ACCOUNT, I DON'T KNOW HOW YOU CAN BOTH CLAIM OWNERSHIP OF ONE FRADULENT ACCOUNT. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers 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? PLEASE ALSO PROVIDE : 1. What the money you say I owe is for? 2. Explain and show me how you calculated what you say I owe? 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Prove the statute of Limitations has not expired on this account 5. Show me that you are licensed to collect in my state 6. Provide me with you license numbers and Registered Agent. Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, an account with XXXX XXXX XXXX was opened for the amount of {$1300.00}. The primary borrower purchased a new home in XX/XX/XXXX and was no longer receiving statements from the borrower leaving the account delinquent. After approximately a year of no payment, the original debtor, XXXXXXXX XXXX XXXXXXXX XXXX, sold the account to XXXX , XXXX. XXXX , XXXX contacted the Clerk of Court XXXX County and Summons the borrowers to court to address unpaid balance. Both borrowers appeared in court in XX/XX/XXXX and went through mediation to resolve the debt. Each party agreed on an amount per month to satisfy debt. The Borrowers paid consitently on the account and the account was brought to XXXX balance in XX/XX/XXXX. XXXX County Court filed a motion dismissing the case as the borrowers satified their agremment. The borrower for the above account is requesting that this account be removed from their credit report. The account is showing as closed/ negative due to charge off. Debtor has paid balance and fufilled their obligation and this information is inaccurate.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My Social Security Number has been stolen. The crime is going on. Between XX/XX/XXXX and XX/XX/XXXX I found I have some new credit cards unexpected in XXXX, my bank, but I did not request to open any new credit accounts at all and I did not receive any notice and new cards from XXXX at all. I was not aware of crime, I thought this is just banks mistake, or worse, my credit card information has been stolen. So I requested bank to cancel them. The accounts were cancelled finally, but crime already accomplished. Theft bought some goods valued {$1900.00} under credit account XXXX. I reported to XXXX and report to XXXX XXXX, XXXX. XXXX cancelled this account upon my request. I did not know if police did something for me. But theft is smart, soon after, theft opened another credit account XXXX, and transferred the balance to this new account. I found the new account and requested bank to cancel this account. Serial new accounts so annoyed me that I requested XXXX to cancel all credit accounts, and I would not use credit card anymore. Since then, I have not had any credit cards. The smart theft changed his/ her address to XXXX XXXX XXXX, XXXX XXXX NY XXXX which I never lived at. Unfortunately, I was not aware of it. I have never lived at XXXX XXXX XXXX, XXXX, NY XXXX. My tax return record and other letters can prove that it has not been my address. I believe that XXXX XXXX XXXX, XXXX, NY XXXX is the thefts address in XX/XX/XXXXor even now. I think it is the key point of my case. However, the bill still showed up on my bank statement, because the theft changed address, but did not change the bank. The theft knows that his/her crime could not keep going on because I can cancel the new accounts the theft creates in XXXX again and again. This time, the theft changed the bank to XXXX XXXX which I never knew. The theft succeeded. Now the crime can be going on. Late month, the attorney in law of XXXX XXXX XXXX sent me a list that indicates I owed them as much as {$7800.00} because I purchased a lot of ladys goods at a store called XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, the bill address is still XXXX XXXX XXXX, XXXX, NY XXXX. I am facing the court. The case number of court is XXXX, XXXX, XXXX. I requested my credit report via internet. The report told me what happened. Dear Sir or Madam, tell me how to explain to the court about case XXXX, XXXX, XXXX. Why did the theft open a credit account in bank so easily? Who should be responsible for my case? If XXXX and XXXX XXXX have confirmed the original Social Security Card, original passport, original nationality paper, original ID and original address proof when the theft requested to open credit accounts, my disaster surely would not have occurred. Why the bank clerks so neglect? The bank clerk may be under the great pressure from bank management in order to suck in more and more credit cardholder. So, the necessary procedure may be ignored. Or worse, some banks may sell off clients information to get some benefits. But my story does not end. The theft can use my Social Security Number to create accounts in other banks, even in banks overseas. How can I terminate my nightmare? XX/XX/XXXX, I reported to XXXX XXXX, XXXX, the Officer XXXX XXXX ( phone : XXXX ) took the record. He called XXXX XXXX, the jurisdiction the theft address XXXX XXXX XXXX, XXXX, NY XXXX belongs to. I heard that, XXXX XXXX know something about it. But they need full account number the thief created in XXXX XXXX XXXX in order to identify this thief. Officer XXXX XXXX wrote down on the paper : Need full XXXX XXXX XXXX account number to make police report Please see this attachment. If police catch this theft, my case will be clear. My nightmare will go end. However, will XXXX XXXX XXXX tell me this account number? I do not have such an authority, but you have. Dear Sir or Madam, can I ask you to get this full account number with last four digits XXXX ( the rest part is blacked out ) and with address XXXX XXXX XXXX, XXXX, NY XXXX in XX/XX/XXXX and tell me, please? If you do not want to tell me, you can tell the police officer of XXXX XXXX above. And please have both XXXX XXXX and XXXX find out this theft based on their information around XX/XX/XXXX. The records I reviewed are enclosed. Thank you very much! XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. NY XXXX ( XXXX ) XXXX ( Home ) XXXX XXXX
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A