Date Received: 2018-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: IN 2009 MY APARTMENT WAS BROKEN INTO AND THEY TOOK ALL IDENTIFICATION ALONG WITH PEROSNAL BELONGINGS, COUPLE YEARS LATER I START GETTING COLLECTION CALLS AND AT THE TIME I WAS UNEDUCATED ON CREDIT REPORTING AND UNAWARE OF HOW THINMGS WORKED. I ENDED UP PAYING TWO DIFFERENT COLLECTION AGENCIES OVER {$2000.00} AND COME TO FIND OUT THESE AGENCIES WERE FAKE, THEY SCAMMED ME! THE CALLS CONTINUED AND THEIR WERE MORE AGENCIES TRYING TO COLLECT, THEY WERE CALLING FAMILY OUT OF STATE, MY EMPLOYER IT WAS GETTING OUT OF HAND. AS THEN YEARS WENT BY I STARTED MONITORING MY CREDIT REPORT FILE TO FIND SEVERAL FRADULENT ACCOUNTS AND GOT THEM ALL REMOVED, HAVING THE ORIGINAL CREDITOR CONFIRM THE ACCOUNTS WERENT MINE. XXXX IS A ACCOUNT THAT HAS BEEN ON MY REPORT FOR YEARS AND I HAVE TRIED FOR YEARS TO GET XXXX, XXXX, XXXX TO REMOVE THE ACCOUNT AND I CAN PROVIDE YOU WITH CERTIFIED LETTERS I SENT TO THEM. I REACHED OUT TO THE COLLECITON AGENCY WHO REFUSED TO GIVE ME ANY VALIDATION OF THE ACCOUNT BECAUSE I TOLD THEM IT WASNT MINE AND THEY INSISTED IT WAS, THEY FINALLY THREE YEARS LATER SENT ME A LETTER STATING DEBT VALIDATION. THE LETTER DID NOT HAVE ANY INFORMATION VALIDATING THAT THIS DEBT IS MINE. IN THE LETTER IT HAD MY NAME, ADDRESS, BIRTHDATE, NO ACCOUNT NUMBER, AND THEY LISTED 2 DIFFERENT ORIGINAL CREDITORS. I STILL HAVE LETTERS THEY SENT OUT TO ME AND THE ONES I CERTIFIED MAIL TO THEM. THE FIRDT ORIGINAL CREDITOR WAS XXXX WHICH THEY CLAIMED WAS LOCATED IN NEW YORK, I WAS BORN THERE AND MOVED TO MARYLAND AT THE AGE OF XXXX YEARS OLD SO THEIRS NO WAY I COULD HAVE GOT THAT CREDIT CARD IN HIGH SCHOOL, THE SECOND ORIGINAL CREDITOR WAS XXXX XXXX. I HAD ANOTHER FRADULENT ACCOUNT WITH XXXX XXXX YEARS AGO WHICH WAS REMOVED BECAUSE XXXX XXXX CONFIRMED I HAVE NO CREDIT CARDS WITH THEM, SO THERES NO WAY ITS FROM THEM. MY SOCIAL HAS BEEN FLOATING AROUND AND THE CREDIT BUREAUS HAVE BEEN NOTHING BUT EXTRA STRESS, THEY HAVE DONE NOTHING, THIS ACCOUNT IS IMPACTING MYN SCORE AND ITS UNFAIR I HAVE T0 SUUFER ON SOMETHING THAT ISNT MINE AND HAS BEEN ADDRESSED SEVERAL TIMES! IT SHOULD HAVE BEEN TAKEN SERIOUSLY AND REMOVED YEARS AGO! PLEASE HELP ME! THEIR HAVE BEEN SO MANY INCONSISTERNCIES ON THIS ACCOUNT, THE DATE OF THE ACCOUNT BEING OPENED, THE BALANCE, AND MORE. THEY ARE REPORTING DIFFERENT INFORMATION TO EACH AGENCY.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested a validation of debt and recieved an account summary instead which isnt clear. There is no contract with my signature, nor is there any breakdowns of charges or payment history.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX sent a notice requesting XXXX of an alleged debt. I responded with a letter of dispute of fraud on XX/XX/XXXX and filed a report with CFPB ( complaint number : XXXX ) XXXX XXXX XXXX responded with copy of default judgment against me from XXXX and request reason for fraud. This was the first time I've heard about a judgment against me. Case Number XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX I received multiple notifications about deletions, additions or changes in my credit report. I have disputed the validity of the alleged debt and account with this collection agency and still feel as though my consumer rights are violated. In Case # : XXXX the company responded dated XX/XX/XXXX they would cease and desist further actions. As stated above I received notification that changes to my XXXX and XXXX credit reports had been made. The changes were that the account was closed and removed from the XXXX report. As for the XXXX report heres where the problem is. The account was removed from the report, however it was reinserted without 5 day written notice as required the FCRA.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: cra violation sent police report taking more than 30days i want it off
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I just recently found out this account was on my credit report, this company is stating they bought the account back in XXXX of 2015. I never received a letter from this company to validate debt. Its against the law for this company to report anything first without verifying accurate information. I will be contacting an attorney to discuss legal matter because I was sent over any information regarding this account. I even ask this company to verify the debt and they fail to do so. This will not be the first or last time hearing from me and I promise you that. I am going to file a complaint and let it be public know because this very unfair and not right. I would like for this company to provide me with validation of debt. This is a junk buying company that say they purchased this account from someone else. I wish the government would shut companies down like this..I do not owe this company any money.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Who : XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. What : Warrant in Debt obtained in XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$680.00} plus 6 % interest from date of DOJ until paid plus {$59.00} costs. Hearing set for XX/XX/XXXX at XXXX XXXX Actions : I contacted XXXX XXXX XXXX on XX/XX/XXXX to advise them that I was unable to be present and ask for a continuance and also to advise them that I have never lived in XXXX XXXX and the creditor does not do business in XXXX XXXX, thus I believe jurisdiction to be in question. My request for continuance was considered by the judge and the hearing was rescheduled. I received a Bill of Particulars from the creditor indicating the new trial date was XX/XX/XXXX. On XX/XX/XXXX, I contacted the creditor to advise them that there should be a change of jurisdiction given that I reside in XXXX XXXX and have never resided in XXXX XXXX. My home is not even near the XXXX XXXX border. During that phone call, I was advised that the trial had actually already taken place - on XX/XX/XXXX - and that the Bill of Particulars was in error. A follow up call from the creditor later that day confirmed that the judgment was granted in XXXX XXXX and the creditor advised that I could seek to have the default judgment vacated. The agent stated that it didn't matter that the Bill of Particulars was in error because they would have gotten the judgment anyway had it been on XX/XX/XXXX as I was notified. XXXX : There are two problems here. # 1 is the jurisdiction issue. Again, I have never resided in XXXX XXXX. I reside in XXXX XXXX. The creditor does not have a place of business in XXXX XXXX either. # 2 is the incorrect Bill of Particulars. I was given the wrong trial date. The creditor is required by law to notify me in writing of the time and date of the trial. The information was incorrect. Therefore, the creditor did not comply with Virginia law.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There is a company XXXX XXXX reporting a late payment on my credit, but there is no contact information for them, but a number I found was linked to Resurgent. The account is regarding XXXX XXXX/XXXX. On this credit report, it shows date open was XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, so I was out of the country until XX/XX/XXXX. I am a XXXX XXXX XXXX XXXX veteran and was using Voc Rehab benefits since XX/XX/XXXX, so I haven't needed a student loan since before XX/XX/XXXX. I am not sure why XXXX XXXX/Resurgent is reporting on my credit for XXXX XXXX. There is no contact information for XXXX and this process is becoming frustrating. I think there was some sort of mix up along the way, considering this originated almost 10 years ago and XXXX XXXX broke off into different divisions and the debt was sold. This is all very unorganized and I feel like everyone is passing me off to another department. It seems that the XXXX is showing XXXX XXXX is out of business, which makes sense considering I can't find any contact information for them. Also, if it is true that XXXX XXXX is out of business, how can they be reporting on my credit and who is responsible for updating the information? I've contacted XXXX XXXX and they said they do not have anything listed with my SSN and since the loan originated before XX/XX/XXXX and was a federal loan, then XXXX would have the information. It seems in XX/XX/XXXX XXXX XXXX split into two different branches and XXXX took over the Federal side of things. I called XXXX and was able to speak with them. The guy told me I can create an account, which I have created and that he shows that XXXX no longer has the loan and it was charged off. The origination date is XX/XX/XXXX and the amount was {$4700.00}. It does not state who the loan was sold to, but I've been paying on my student loans through XXXX XXXX XXXX. The origination date and amount ( with XXXX XXXX ) are the same as what is listed on the XXXX XXXX/XXXX website. The loan is in repayment and that I only owe ~ {$250.00} before the balance is paid off. I created an account on Resurgent and found that it shows XXXX XXXX, but no account information and the bottom disclosure states that " because of the age of my debt, we will not sue you for it, and we will not report it to any credit reporting agency ''. I called Resurgent and talked to a lady named XXXX. She said that I owe XXXX XXXX over {$10000.00} for a XXXX XXXX XXXX XXXX loan account number XXXX. She said that Resurgent has been sending me communication and documents to XXXX XXXX XXXX in XXXX XXXXXXXX, CO. I haven't lived there since XX/XX/XXXX or so. She said that the account originated in XX/XX/XXXX and was charged off on XX/XX/XXXX. Again, not sure where this date is coming from. She said that I probably have multiple accounts when I asked her why XXXX XXXX would be reporting me current. I asked her what she would suggest because no loans listed on that site originated in XXXX. She said I could contact XXXX XXXX, but " good luck ''. I opened an account on XXXX XXXX XXXX and only XXXX and XXXX XXXXXXXX XXXX are listed for FFEL Stafford Subsidized and FFEL Stafford Unsubsidized loans. XXXX shows as canceled and XXXX XXXX XXXX is showing as in Repayment and all the loan origination dates are in XXXX. Again, almost 10 years ago. On XX/XX/XXXX after my home loan lender and myselft had a conference call with Resurgent. We talked with a lady named XXXX. She stated that Resurgent takes care of all XXXX debts and they purchased a XXXX XXXX debt in XXXX in the amount of {$9900.00}. I asked if Resurgent had the paperwork from when XXXX bought the debt and she said they did not have it, they only have the date. She also said that Resurgent is the one that updates the credit information on behalf of XXXX. I asked for the contact information for XXXX and she did not have any and only stated that Resurgent handles XXXX accounts ; all phone numbers and addresses for XXXX are actually Resurgent. We discussed why I haven't been contacted and she provided a list of about 3 addresses, all of which I haven't lived at since before XXXX. There most recent letter ( in XXXX ) went to an address from XXXX. XXXX from Resurgent said that she would note my account as in dispute, but they wouldn't actually investigate without a written request to XXXX XXXX XXXX XXXX in XXXX, SC XXXX and that the dispute reference number should be XXXX for my account. When asked who we could contact to get details on the loan, she said that it was XXXX XXXX and that was all they could see. I told her that I've already contacted XXXX XXXX and they do not have my account. Anything before XXXX goes to XXXX. The XXXX information is listed before, which shows the origination date and amount that matches the information I have been paying with XXXX XXXX and it shows I am current. XXXX XXXX/XXXX XXXX are reporting that my account is in good standing on my credit as well. So, I'm still confused how a company can own a debt without having documentation that they have bought it and how can a company that doesn't exist and with no contact information be reporting on my credit with amounts that don't match up with the information from XXXX XXXX/XXXX/XXXX XXXX XXXX? I think this was mix up or that XXXX/Resurgent is trying to collect on a debt bought by XXXX XXXX XXXX or someone is trying to re-age my account or something. This is very frustrating and confusing to a consumer. Information should be organized and easily accessible for consumers. XXXX XXXX/XXXX and XXXX XXXX XXXX are showing the information, giving me access, and providing me with support. Why is none of this information consistent? I am very confused. I am in no way trying to get out of debt. It is quite the contrary, I've been paying all my bills and trying to get things cleared up on my credit. I have been a victim of identity theft, so I am not sure if this is related. XXXX/Resurgent is the only company I am working with that is not being transparent with information, which makes me think they have something to hide. Again, it seems that XXXX is out of business, so Resurgent is the only connection I have to XXXX and getting this cleared up and they are giving me the run around.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: XXXX XXXX XXXX is the phone number that is calling. They have left several threatening voice mails on XX/XX/XXXX and XX/XX/XXXX claiming that I would be arrested if I did not pay. They have also contacted my father, claiming to be a company that I applied for a job with and that his was the number I have them when I applied for the job. I have never applied for a job with them.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A