Date Received: 2018-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This account is showing up on my credit reports stating that I owe the amount of {$1100.00}. On XX/XX/XXXX I sent a letter to Resurgent/XXXX requesting proof of verification with my original signature, which I did not receive. I made another attempt on XX/XX/XXXX to obtain proof which again I did not receive. Their last correspondence with me was XX/XX/XXXX in which they provided an " account summary '' as verification of the debt. As per the FTC, a printout of a bill or itemized document does not constitute verification.
Company Response:
State: HI
Zip: 96761
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This account is showing up on my credit reports but I don't know what it is for. I have sent two letters to this company and have not received any form of correspondence back from them.
Company Response:
State: HI
Zip: 96761
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company keeps harassing me sending me emails everyday and phone calls. I've stated to the company that this is not me and I've never had the account. ive asked several XXXX to remove from my credit reports.
Company Response:
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Per the companies arbitration clause they should not have sold any debt to XXXX or resurgent capital and any reporting of it is a violation of the FCRA. They breached a contract.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: To be completely honest with you I don't know who they are and how much I owe them I just know that I just want them off of my credit as quickly as humanly possible
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2018-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-27
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: The week of XX/XX/XXXX I sent validation/ verification to XXXX , XXXX , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
Company Response:
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2018-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The collection agency stated that this debt is from 1998. I didn't have a student loan from this date. I asked for the original paperwork that states the amount and the loan they said they would try to get me this to me but im still waiting to receive the papers. Also I have two collection agencies coming after me for one student loan. There is no working or speaking with this company, they have to be the best rudest nastiest people alive.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. I have no made business with them and I do not owe them anything. Please get a cease and desist from me
Company Response:
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received letter XXXX XXXX XXXX. Attempting go collect a debt dated XXXX XXXX, 2017 from XXXX XXXX XXXX, who is attempting to collect a debt for XXXX XXXX XXXX. First I never received any correspondence from XXXX XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, XXXX XXXX or XXXX XXXX XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A