Date Received: 2018-02-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX # XXXX Has a account that I never received any documentation or proof of claim about this account. This is the second or third time I have had to deal with company. I would like to file another compliant to the FTC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX/ XXXX/ XXXX XXXX is stating that I owe money to the company, however the debt was verified as invalid with XXXX XXXX. Amount that they are stating I owe is XXXX
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Out of nowhere this company called XXXX XXXX XXXX put a collection on my account for {$640.00}. I started to get calls at all hours of the day and night. I had to shut my phone off at work because they kept calling. I have an XXXX XXXX XXXX in school and its been snowing very hard in Michigan. I have to keep my phone on and I couldn't even do that because I was getting into trouble for XXXX XXXX XXXX calling non stop harassing me. I asked for proof of this debt because I didn't know what it was for or where it came from. I know what debt I have or don't have and this is not my account. They never provided me with proof that this is my account. They told me they would arrest me and sue me if I didn't pay and that my credit report was not going to be fixed even though I filed a dispute against them. They called people I know and started asking them personal questions about me interrogating them and making them feel uncomfortable which is illegal. This company has a reputation for being dirty. How is it legal or right for random companies and people from all over the country to use some XXXX number to ruin our life and harass all members of your family? How is it legal for all this hacking and access to peoples information to happen to a point where people 's credit and life 's are put on hold outside their control for collections they know aren't their debt. Its illegal and its wrong..
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received notice today from my government credit monitoring service that some collection agency had put two collection accounts on my credit bureau today!!! I have NEVER received anything from them in the mail and have no idea who they even are, they are breaking every FDCPA law there is and I want to know who they are so I can possibly take them to court and sue them!! I am an ex federal employee and my information was hacked during the OPM breach. I am also a twice XXXX mother who is insolvent due to the market crash which cost me my jobs over and over while working in the investment industry during the recession too and I am also insolvent so have 0 money, so they are wasting their time trying to " pick another carcus clean ''!!! I want this removed from my credit reports NOW and I want to know who this bunch of crooks is so I can contact an attorney about them breaking the FDCPA, I also used to work as a law clerk so will have no problem getting free legal advise!!! Please address this issue now!! Information from my credit report below on them. XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$1400.00} Original creditor : XXXX XXXX XXXX A Overview You've paid off 0 % of your collection amount. Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX SEE AN ERROR? You could dispute an error with XXXX. GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$990.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$990.00} Highest Balance {$990.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX SEE AN ERROR? You could dispute an error with XXXX. GO TO XXXX Creditor Information XXXX XXXX XXXX
Company Response:
State: IL
Zip: 62959
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/XXXX was an account summary that did not include my written consent to do business with this company. I then submitted a notice to XXXX, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and XXXX are violating my rights under the FCRA by reporting unverifiable information on my credit file. I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness. The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX/XXXX for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX balance XXXX.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2018-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The following account is fraudulent, unauthorized, not mine and the result of identity theft : XXXX XXXX, XXXX. XXXX XXXX XXXX transferred the fraudulent account ending in : XXXX to XXXX. I been receiving harassing phone calls every day at XXXX XXXX from XXXX XXXX representatives using abusive and profane language, making death threats and threats of taking legal action against me and getting me arrested and sent to jail and prison for a credit card account thats fraudulent, unauthorized and not my debt or account. XXXX XXXX is in violation of The Fair Debt CollectionPractices Act ( FDCPA ) under Federal law.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2018-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am having trouble with getting this account off of my credit. I believe there was a mistake with an account that I had previously with XXXX XXXX. I purchased a comforter for about XXXX. At the time I was going to buy a computer desk, and book case. I cancelled everything but the comforter. I paid off the comforter already. There is this balance for XXXX, which should not be on my credit. I have written XXXX XXXX several times to obtain any paperwork to validate and show the errors, however there has not been any forthcoming information. I want them to remove it right away, because it is interfering with my credit score and rating. Enclosed is the last letter that I sent to XXXX XXXX. Thank you
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has continued to report an outstanding debt on my credit report. For over seven years I have asked for verification of this debt and account and have not received such proof. Further, they harassed me and threatened me, phoning at home and at my work for years. This inaccurate debt account continues to be reported on my credit report. It appears XXXX XXXX is now RESURGENT CAPITAL SERVICES. C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I opened a Credit Card account in XX/XX/XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX in late XX/XX/XXXX and in XX/XX/XXXX I received a letter saying that I was being sued for this debt but in XXXX, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with XXXX XXXX and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XX/XX/XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is violating my rights. Statute of Limitations in XXXX is 3 yrs and XXXX is 10 yrs.
Company Response:
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX, account has been paid off for a year. Still showing delinquent and that I failed to pay in XX/XX/2018. I have the final invoice showing that it has been paid in full with XXXX balance. The account was transferred to XXXX XXXX, did not make it to court. We settled, I paid within 3 months. Around XX/XX/XXXX I submitted complaints on both XXXX XXXX and XXXX XXXX to XXXX because they were both showing the paid account as delinquent, not paid. Now all of a sudden my FICO score went down 44 points because now they are rebuffing their efforts to show that I am failing to pay something that is finalized.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A