Date Received: 2018-04-13
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: XXXX was originally XXXX XXXX account that was deleted XX/XX/2017 and was sold to this computer. I was never notified about account being sold to collection agencies when the originally creditor removed the accounts. XXXX XXXX XXXX XXXX Account is reporting late payments but I was never late or either in school, which the loan officers was contacted.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX the amount of {$870.00} opened XX/XX/2014. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXXXXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXXXXXX XXXX I decided to contact again XXXX XXXX XXXX by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX, XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
Company Response:
State: KS
Zip: 66212
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I filed a complaint with the CFPB on XX/XX/XXXX which your company responded to on XX/XX/XXXX. ( your response attached labeled in part XXXX XXXX ) I could not respond on portal so I e-mailed the following e-mails in an attempt to get further assistance regarding FDCPA violations and an attempt to amicably resolve them.
* XX/XX/XXXX- I emailed XXXX ( listed on your website ), XXXX, and XXXX ( person who responded to my complaint ) * XX/XX/XXXX- I forward my e-mail to XXXX XXXX at XXXX A copy of my e-mail is now listed below and attached ( attachment probably easier to read- labeled Fwd : re : CFPB.. '' ) I look forward to hearing from you : From : XXXX XXXX
Company Response:
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2018-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX One amount is for {$1100.00} and another is {$1700.00}
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2018 I noticed XXXX XXXX reporting a debt on my credit reports ( Original Creditor XXXXXXXX XXXX Nevada, Balance {$470.00} ) I mailed on XX/XX/2018 XXXX XXXX a debt validation request, especially because this account is past the statute of limitations but is appearing as a new account on my credit report. XXXX has not verified the debt, yet continues to attempts to collect the debt and report to credit bureaus.
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/17 XXXX XXXX appeared on my personal credit as a collection account for {$680.00}. I have not opened an account with this company and do not owe them anything.
Company Response:
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Accnt # XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX Ref ID : XXXX Current Servicer : Resurgent Capital Services LP Debt Paid for settlement of {$360.00} on XX/XX/2017 from original balance of {$450.00} Resurgent reopened debt reporting to Credit Bureaus attempting to collect the difference. Resurgents in false and inaccurate reporting adversely affected my credit score resulting in my denial of paid closing costs and down payment assistance programs because of a lowered credit score thus causing delays in my home loan underwriting process, higher mortgage interest rate and delays in my cleared to close.
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX I received a letter from XXXX XXXX XXXX indicating XXXX XXXX would not sue me or report the alleged debt to any credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported this debt to XXXX and XXXX. when i called them on the issue i was told they weren't sure why I received the letter but they would not remove it from my credit report. I submitted a dispute with XXXX but the agent submitted the wrong reason for dispute and now i have to submit another dispute and wait another 30 days for a response.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: While reviewing my credit report I noticed an account from XXXX XXXX so A letter dated XX/XX/2018 was sent to XXXX XXXX specifically stating and asking for validation of the debt via Certified mail. XXXX funding did not validate the debt that was asked and only sent a letter with a current balance that's due and an address for the original creditor, but did not validate as was asked in the letter. Attached is the letter that was sent via Certified mail and the agency 's response.
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A