Date Received: 2018-03-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau ( Case Number : XXXX ). In the complaint, I expressed, in my opinion, XXXX XXXX XXXX violated Texas Finance Code 392.202. Shortly after the complaint was filed, I received a response from XXXX XXXX XXXX, via the CFPB, on XX/XX/XXXX. In the response, a representative acting on behalf of XXXX XXXX XXXX, states the following : In light of the forgoing, and in accordance with the consumers request, we have requested deletion of our tradeline from the consumers credit report. XXXX XXXX XXXX made good on that promise, as the negative reporting was removed from my credit report. Unfortunately, after reviewing my credit report in XX/XX/XXXX, XXXX XXXX XXXX, and or, Resurgent Capital Services, is once again, reporting negatively to the credit reporting agencies. In my opinion, XXXX XXXX XXXX, and or, Resurgent Capital Services, is playing Fast and Loose, with the FCRA.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX, XXXX has violated x 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: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a resurfacing remark for a previously resolved case. I went through credit repair couple years back to reverse some early learning mistakes I had made. A credit report from XX/XX/XXXX states an amount of {$1100.00} and acct open date of XX/XX/XXXX. My credit repair agents closed & settled the unclear remark and removed it from my report for new beginnings. The remark has been off my report and I have been staying true to my good faith in keeping my Report & Score back on track, Recently having a XXXX score. Looks like remark has resurfaced with no prior communication or anything to me. The debt now states XX/XX/XXXX an amount of {$1100.00} and an acct open date of XX/XX/XXXX. The debt was very vague and unclear from the beginning. Comparing Dates opened and amounts owed do not match Different amounts stated on different occasions. I don't believe this would be fair to be in my report.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX dispute removed a collections account after opening a dispute and the collection is removed but the company re-reports the information to my credit agency after removall. Name of collection agency : XXXX XXXX XXXX. Amount : XXXX Account : XXXX * * * Creditor Information - XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Please help
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a loan with XXXX XXXX, that I was falling behind on due to a layoff. XXXX sold the loan to XXXX XXXX before it was 120 days late. I had never received the validation letter from XXXX XXXX and when I was in contact with them via phone around XXXX or XX/XX/XXXX they stated they were apart of XXXX and made me believe they were a company within XXXX. ( Like they were an in house collection ). They first asked if I could settle which I could not and said it was fine to just set up small good faith payments, and we would workout a settlement at a later time. I went ahead and set up small good faith payments with no documentation because I thought I was speaking with XXXX XXXX who was already handling my loan. Fast forward to XX/XX/XXXX and they have reported on my credit file over a year later that this account is in collection with a collection agency. Unbeknownst to me I thought XXXX was apart of XXXX and that this was not with a collections agency and never received any documentation that this was sold to a different company nor have I ever received the Collection Validation letter that you receive when you are sent to a collection agency. Then I also find that XXXX XXXX also sold them my file before I even defaulted which was why I was confused about the debt, and was so willing to continue payments and started payments without question to XXXX XXXX. Both companies were very deceptive in how they conducted business and I also want the debt validated, because what XXXX reported as delinquent and what XXXX shows with the small payments that I have been making do not match. I am afraid at this point they will not honor my validation request because they never sent me the initial validation of debt letter, which is illegal.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a credit card with XXXXXXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX hired a law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXXXXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm XXXX and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!
Company Response:
State: VA
Zip: 20164
Submitted Via: Web
Date Sent: 2018-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX has illegal re aged my account that they had purchased from XXXX XXXX XXXX in the amount of {$480.00}. I paid this account in full as of XX/XX/2018. When I called and spoke with XXXX XXXX on XX/XX/XXXX, the representative told me that they " report monthly '' which is also a direct violation, as I never had a contract with XXXX and they are a collection company and can not report monthly. On XX/XX/XXXX, I had called and spoken with the credit bureaus when I pulled my credit report and also found out that XXXX XXXX had illegally re aged my account to a later date.
Company Response:
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2018-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2018 XXXX XXXX has threatened lawsuit and legal action with a law-firm called " XXXX XXXX '' for a personal loan of XXXX. Outstanding balance is XXXX despite payments before account went default and original amount was smaller. Credit is significantly damaged and Im forced into bankruptcy
Company Response:
State: OR
Zip: 97233
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent multiple letters to this 3rd party collection agency and in reference to an alleged debt and no response.
Company Response:
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter that I owed XXXX XXXX XXXX for unpaid debt. XXXX years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX XXXX XXXX XXXX. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A