Date Received: 2018-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX has harassed me by repeatedly emailing me ; XXXX XXXX was the name used in these harassing emails. He emailed almost on a daily basis. Emails were inappropriate and threatening while also suggesting he was " watching '' me. XXXX XXXX has charged me a ridiculous amount in fees. I had a credit card bill from them in the amount of {$700.00} and had paid $ XXXX-XXXX and within the next month my bill turned into {$650.00} dollars which was completely wrong and I refused to pay it so they started emailing me almost daily for over a year threatening to take legal action but their emails were worded so inappropriately it made me feel uncomfortable as if they were hacking into my email box and could see I was reading their emails without responding. They emailed me from in the year XX/XX/XXXX to partially XX/XX/XXXX. Emails were saved due to their threatening nature.
Company Response:
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am currently trying to rent a small apartment with the XXXX XXXX XXXX also I have applied at the XXXX XXXX XXXX and due to the information that was given as a requirement for the rental property I was not I was unaware of all of these issues that is on my credit that is enabling me to lease the space rent the apartment. If you research my credit history and my payment history in the last 20 years you have you will see that I have been outstanding as a homeowner with my home loan as well as the apartment rental that I have been at for the past 4 years at XXXX at XXXX and XXXX Arizona I noticed all of these charges on my credit report and I know for a fact they are fraudulent and my signature if I want any of these contracts is definitely a forge signature I have been with the same mobile device provider for over 6 years and I 've never had any discrepancies with any XXXX XXXX or XXXX all of these other mobile providers I have never had cell phone service or any service with these companies. I am asking that you do a thorough check and that you will be pursuant to the matter and have this disputed and removed off of my credit as soon as possible I also was informed that the maximum is a 30-day process but XXXX XXXX XXXX stated that you guys can take this off of here within the next 7 days so I 'm asking you to expedite this process and a very fair manner thank you for your cooperation and helping me Rectify this matter.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute LVNV Funding LLC account number # XXXX on all 3 of my credit reports.. The balance listed on the account is incorrect. Please delete the account.
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX still shows a balance of XXXX on my credit thats really affecting my credit. the date showing that it was open XXXX XXXX-2017 i even fix my credit in the past so for no reason it should be showing. But it even show charge off Im hoping we can get this resolve so I can see a improvement on my credit because of future purchase that Im planning to make this would help me a lot.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The week on XX/XX/XXXX I sent a letter to the credit bureaus to dispute XXXX XXXX and I recieved a letter from XXXX on XX/XX/XXXX saying who they are and that they were collecting a debt so I sent a letter for them to fill out and validate this debt but they fail to do so. They reported to my credit file " Sisputed by consumers meet FCRA Requirements but they never validated for me.
Company Response:
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services collected a debt that has been disputed SEVERAL times with CFPB ; see account # XXXX. Resurgent Capital Services filed a claim in or around XX/XX/XXXX in amount {$8200.00} in United States Bankruptcy county under XXXX. A Proof of Claim Objection was file with honorable judge XXXX XXXX and hearing date was set for XX/XX/XXXX, however on XX/XX/XXXX Resurgent Capital Services submitted a WITHDRAWAL OF CLAIM.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-31
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: I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
Company Response:
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2017-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern : I have several collections on file from collection agengy XXXX XXXX XXXX. ( account number ) XXXX on XXXX report and account number XXXX on my XXXX report. Please be adviced that I am disputing these collection accounts due to the fact that XXXX XXXX XXXX which utilizes XXXX XXXX Resurgent Capital Services, located at XXXX XXXX XXXX XXXX, S.C XXXX, does not currently have a license in the state of ILLINOIS to collect debts. The State of Illinois ] Department of Financial & Professional Regulation websites does not contain licensing verification for this " collection agency ''. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide physical proof that XXXX XXXX XXXX is in fact licensed to collect in Illinois. Your immediate response will be greatly appreciated.
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2017-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-30
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: XXXX XXXX XXXX and a debt buying company XXXX also known as Resurgent Capital, along with XXXX XXXX XXXX have been reporting inaccurately to the credit repositories in regards to these " accounts '' for two years now. Filing a complaint with this agency is my last resort and I prey some form of relief can be found. To summarize my experience with the credit reporting/dispute process has left me flabbergasted at what little it takes to make it on to a credit report, considering how much of an impact this makes in our everyday lives and how much improvement is needed in regards to being able to dispute inaccuracies with credit reporters and the repositories. This tale all begins roughly two years ago when, just getting reestablished in my home town after an absence went about seeking to " repair '' my credit. After hiring a credit repair company and working on getting inaccurate information off my report we made a little headway and I parted ways with them assuming I could handle the rest on my own, lesson learned.Getting these three accounts removed after debt validation proving the lack of connection to myself in regards to XXXX XXXX XXXX ( see attached documents ) and reporting and rereporting of various inaccurate information by XXXX XXXX XXXX and XXXX including there most recent stunt of putting in a XXXX reaging both accounts, I came to the conclusion that using the traditional dispute process was not going to work.These companies all seem to have the art of playing the credit repositories against the consumer down to a science and have made a joke of the process. It has been like a game of whack-a-mole getting one removed with another of the three popping back up with new ( different but still inaccurate ) information to report. Complaints with this agency have yielded the only useful information I have gotten in spite of the fact I have filed no less that 5 disputes with all three repositories that have accomplished nothing. I will get off my soap box and get to the facts, I apologize. In regards to XXXX XXXX XXXX and the collection agency they sold the charged off debt to XXXX a.k.a Resurgent Capital, account XXXX, this transaction took place XXXX. After and account is sold and the debt is charged off the creditor is to report it as a XXXX balance. Well this did not happen, XXXX XXXX is reporting to one of the repositiories various " failure to pays '' which on a zero balance is not possible. I have disputed this, in fact this rereporting came after I filed my last dispute. XXXX XXXX and XXXX both intentional will file false, damaging balance histories when presented with disputes in retailition for filing them. I do n't accuse them of that lightly these are the facts that have become the realilty of my credit history. They have removed both the accounts in the face of these FCRA violation only to report them several months later, I would like them gone as XXXX never sent me any notification of the alleged debt I owe them and XXXX XXXX has wantonly violated the Fair Credit Reporting Act. Look at the variance in between the three bureaus and the length of time XXXX alongside XXXX XXXX XXXX have been reporting. Blatantly inaccurate they are all different and there is no way the balance could be anywhere near what they are claiming with out excessive fees being charged on the alleged debt. XXXX XXXX XXXX, account XXXX, is a monster of the same making. They initially reported not one but two accounts with an alleged credit XXXX XXXX XXXX. They have been reporting this for over two years now and I have request numerous times for them to provide actual evidence of the debt, nothing was done. After repeated attempts at debt validation and a complaint through this agency they finally removed one account and provided documentation on another. This " documentation '' is spotty to say the least. There is not acknowledgement of debt, it is signed by someone who neither XXXX XXXX XXXX nor myself can even name and the debt does not belong to me. Again this has been disputed numerous times and the credit agency fail to respond in any manor, I had request a manual review and they failed to respond. This needs removed as I have continued to say the debt does not belong to me. Notice on the first page of the attached documents the date is stated as XXXX/XXXX/XXXX to an address I do not reside at, and from the original creditor even though XXXX XXXX XXXX has been reporting this since XXXX as a collection debt. This is a very clear violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. I pointed this out to the credit bureaus but again received no response. This is not something that should slid past. I prey this agency is able to accomplish what I have not and get these inaccurate cleaned up, I have been working very hard to build credit and these stumbling blocks do not belong here. I appreciate your attention to this matter and look forward to an amicable resolution.
Company Response:
State: NE
Zip: 68506
Submitted Via: Web
Date Sent: 2017-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A