Date Received: 2018-01-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: There are items reported on my credit report that are prohibiting me from gaining access to credit. XXXX XXXX is reporting a XXXX XXXX collection to XXXX, XXXX and XXXX stating I opened an account in XX/XX/XXXX. They continue to report derogatory conditions as recently as XX/XX/XXXX ; derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX XXXX or XXXX XXXX about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I just gained access to my credit report and noticed that XXXX XXXX has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their is 1 collection on my account that i never knew anything about.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I contacted XXXX XXXX and asked them to verify the debt as well as XXXX contacting them on my behalf since XXXX XXXX and they have not responded nor verified the debt. I have another case pending in XXXX County, Georgia unrelated and saw on their clerks website that XXXX is trying to sue me but I have not been notified or served anything regarding this debt. This company refuses to verify I owe this debt and the amount.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2018-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had previously had my home phone disconnected due to non payment. I paid XXXX XXXX directly and they reconnected my phone, The collection agency they had turned it over too reported it to all collection bureaus. I have sent them notification that this was paid and if I had not paid it I would not currently have phone service. I have sent numerous letters by mail including certified mail, emails and made phone calls to dispute this. They have still not removed from my credit file. XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$230.00} Original creditor : XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX I do not know what else to do. Can you please look into this.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notice that this Company was added to me credit report, I had never heard of them before so I contacted them and asked for them to validate the debt.I have repeatedly wrote letters to them, i also sent a Certified letter too and it was returned to me because the address they gave me was incorrect, so I looked up another one re- sent it, I think they are committing fraud. They have not provided and services or goods to so why do I have to pay them money
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2018-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from XXXX XXXX XXXX ( XXXX ) datedXX/XX/XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that XXXX was mistaken, the debt was not mine, and I requested validation. XXXX responded with a letter dated XX/XX/XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate age. This is a case of mistaken identity.
Company Response:
State: CO
Zip: 80923
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When I pulled my credit report, I noticed two companies are reporting debt and they are not licensed collect debt in my state, per the West Virginia State Tax Department.
Company Response:
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am having difficulty with a company that processed a check payment for an outstanding balance, and is giving me the run around trying to state that a payment was n't made. I 've provided proof that the check cleared the account, and want this balance removed immediately as they received every penny. Despite receiving and processing the payment on XXXX XXXX, 2017, I am still receiving harassing phone calls and emails from the company, who continues to transfer between three titles. This is unacceptable.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: get inaccurate information off my credit report or ill sue!!!
Company Response:
State: PA
Zip: 155XX
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A