Date Received: 2018-03-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
Company Response:
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Still to this date this collection company on top of it its sleazy tactics has still failed to produce any proof that the debt mentioned And erroneously reported on my credit has anything to do with me and is not the result of ID theft. Despite its numerous calls to me and my numerous attempts to get them to answer that question they continue to affect my credit and my lifestyle with this derogatory reporting yet no one seems to listen to the law
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has two accounts in collections on my credit. When asked to validate the debts ( one for {$690.00}, one for {$400.00} ). They did not respond. They sued me in small claims last year ( XX/XX/XXXX ) for the line item on my credit report with a {$690.00} amount. I came on the date to answer and told their attorney that I did not know who he was. He set a court date with the clerk. XXXX XXXX did not show up for the first primary hearing and I filed a motion for them to provide validation of the debt, including signed contracts ( not provided in the claim ), an assignment of debt that isn't just an over night dump ( not provided in the claim and without my name attached ), and how they came up with these amounts. I have never worked with XXXX XXXX before and have no idea who they are. They did not provide validation for the court within the allotted thirty day time frame, they did not show up for our final hearing, and the case was dismissed. They continue to report these debts. On top of that, I have disputed these with XXXX, XXXX, and XXXX, and even with giving them court papers showing that the debt has not been validated, they continue to report these debts as accurate because after disputing, XXXX XXXX continues to report them to the CRAs that way. I contacted XXXX XXXX immediately after the court dismissed the case, letting them know that they need to quit reporting to the credit reporting agencies, and I sent the credit reporting agencies proof and court documents that this debt is not validated, yet after disputing with the CRAs and providing the CRAs with the court documentation and the creditor 's lack of validation necessary to verify a debt ( or even collect successfully in a court ), XXXX XXXX is continuing to report these debts as verified. XXXX XXXX did not list the item as disputed on my credit reports, and they were under dispute since litigation began on XX/XX/XXXX. I have credit reports printed out from XXXX still showing that they were not listed as disputed up until 3 weeks ago. This is a violation of the FDCPA. I am exhausted from asking this company I've never worked with for validation that these two debts are mine, and they have continually violated the FDCPA ( did not list debt as disputed, verifying debts to the CRAs that they can not validate ). XXXX, XXXX, and XXXX continue to report these unvalidated debts even after countless phonecalls and attempted disputes.
Company Response:
State: IN
Zip: 47201
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is my second complaint about XXXX XXXX and their associated law firm. My first complaint was settled. However, the tactics at which these individuals use to settle their debt is concerning. I originally filed a complaint in late XX/XX/XXXX. I received a response letter dated XX/XX/XXXX. I first received original correspondence in XX/XX/XXXX of which I did not respond initially, as I thought this was a scam. I will admit that I did not remember signing up for a credit card at first, but then I was doing some research on my own. On XX/XX/XXXX at XXXX CST there was a knock at my door, which is in a secure apartment complex so I am not positive as to how this person gained entry, I answered and he handed me papers and walked away. These papers contained nothing but the file number, bland information as to what I was being charged with ( which was a shock to me as this was the first I was hearing of potential court issues ). Email correspondence between XXXX XXXX XXXX and I happened on XX/XX/XXXX ; I was reaching out to XXXX about any settlement opportunities that may be available. He responded asking for a good phone number at which I could be reached, I replied with a phone number and told him the best times that I could be reached to discuss. After, I received no further emails or calls. On a letter dated XX/XX/XXXX I received an offer letter from XXXX about an offer to settle the claim against me for {$420.00}, the letter included a website to where I could pay online. I received a letter in the mail in early XX/XX/XXXX containing an order from the XXXX County court letting me know that an action was filed on XX/XX/XXXX against me. The letter contained a file number that the state has for this judgement, however no such court dates. After receiving this letter, I decided that I should pay the amount that I owed and I would move on. I submitted a payment for {$590.00} on XX/XX/XXXX using their website, the funds were deducted on XX/XX/XXXX from my bank account. I then called their office on XX/XX/XXXX requesting a receipt be sent to me, the individual I spoke with said that I should be receiving it within 3-4 days and the letter would be sent out that same day. After waiting over the time period, I then called again requesting a letter on XX/XX/XXXX and they said that one would be sent out and they did not see my first request. As of XX/XX/XXXX I have not received any correspondence from the company, I also have submitted online requests for contact and they have not been fulfilled. I have requested a receipt and would like them to remove this from my credit report. Due to their lack of professionalism in this matter, it has caused increased stress in my life upon fear of a lawsuit that I am not sure is even happening. They have not been fair in trying to resolve this matter, and I can say that I would have rather reached a compromise than have been threatened with legal force. I do have supporting documents if they are required. Thank you for your attention to this matter.
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018 I sent a debt validation letter to XXXX XXXX XXXX. They responded saying that the debt has been " verified '' and provided copies of a billing statement. That is not sufficient validation of me owing XXXX XXXX any debt. I requested that XXXX validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They only provided me with a billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to all three credit bureaus that I am asking to be deleted.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. XXXX AND XXXX, RESURGENT CAPITAL SERVICES, LVNV AND XXXX XXXX BANK. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.
Company Response:
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company refuese to remove the credit line from my credit report. I have paperwork to verify that the company said they will remove the credit line in the month of XX/XX/2018.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company XXXX XXXX XXXX was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, This letter is to inform you that XXXX XXXX XXXX/Resurgent Capital Services have failed to validate a debt collection that is being reported on my credit reports. On XX/XX/XXXX I sent a letter via certified mail disputing a XXXX XXXX account in the amount of {$1200.00}. This letter stated, as per the FDCPA, I have the right to request a VALIDATION of this debt. This letter also requested that an original agreement with their client to collect on this account, an agreement that bears signature of the alleged debtor and a complete payment history is to be included in their response to VALIDATE this debt. And that non-compliance of this validation request will require their collection agency to cease collection activities and reporting the information to my credit report as per my rights under the FCRA. On XX/XX/XXXX I received a response from Resurgent Capital Services that did not include the requested information or ANY type of VALIDATION. Instead, they included some sort of account summary with an invalid name and my current address. I know for a fact the original address reported along with this collection is an address that I never resided at. Also, this original account was opened when I was underage, which is against XXXX XXXX ' [ original creditor ] policy. In conclusion, I would like to state that this account is in fact not a debt owed by me, and is being reported incorrectly on my credit reports which is seriously affecting my right to enjoy the benefits of good credit. Please address this issue immediately. As my rights have been violated as per the FDCPA as well as the FCRA and I may be forced to take legal action against Resurgent Capital Services and XXXX XXXX XXXX if this issue is not resolved. I have attached the appropriate documents pertaining to this complaint. Thank you for your time.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$490.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A