Date Received: 2017-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX-2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that I am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX if this matter is not immediately by deleting this unverified debt from my credit file.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2017-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX they also go by Resurgent Capital Services LP. I have settled amount and they my company is still sending them a payments from an old judgement they sent another old judgement signed by the judge a long time ago after it was alrey paid. This business needs to be shutdown because they have done this to a lot of different people after I searched their name on XXXX. The same thing is happening and they are calling me and they just started calling me again threatening me that I am going to lose everything I got if I dont paid this and I will lose my job because they are going to call them and tell them that I am a bad employee because I dont pay my bills and I am in the financial field. Please do whatever it takes to put this company out of business
Company Response:
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2017-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-03
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 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question XXXX 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2017-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted this company numerous times disputing what they are showing on my credit report! This company hangs up on me! I call back and they tell me to dispute it with the credit bureaus! A representative told me that they could not find me in the system! I have tried everything!! Now I am filing a Cease and Desist and Lawful Notice of Estoppel to remove this from my credit report at once! This is not my debt and is hurting my credit score. My brothers name is XXXX XXXX and my fathers name is XXXX XXXX XXXX Not sure if this is their debt or just an error putting on my credit report but it needs to be removed asap! Thank you for your assistance! XXXX XXXX
Company Response:
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2017-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Prior to XX/XX/XXXX I had never heard of XXXX XXXX. I never had any communication from XXXX XXXX. I certainly had never signed anything with or from XXXX XXXX. I have no knowledge of any alleged account with XXXX XXXX. Period. 1. XX/XX/XXXX - I received a dunning letter from XXXX XXXX, XXXX. 2. XX/XX/XXXX - I responded to the above letter with a dispute/please validate letter to XXXX XXXX, XXXX and included a copy of their dunning letter. I received no response. 3. XX/XX/XXXX - I sent a dispute/please validate letter directly to XXXX. I received no response. 4. XX/XX/XXXX - I noticed a new collection account on my credit reports. It was XXXX XXXX reporting as a New Account Original Creditor XXXX ( remark : at least 120 days or more past due ) on my XXXX credit report, New Account XXXX XXXX XXXX ( no remark ) on my XXXX credit report and Collections Account XXXX XXXX XXXXXXXX on my XXXX credit report. XXXX had also been using the title XXXX XXXX to describe themselves on my credit reports. 5. XX/XX/XXXX - I again sent XXXX XXXX a dispute/please validate letter. I also informed them that I noticed them on my credit reports and described their reporting. Again, I received no response. 6. XX/XX/XXXX I disputed the XXXX XXXX accounts directly with XXXX, XXXX and XXXX using XXXX XXXX direct dispute function and the credit bureaus online dispute functions. 7. XX/XX/XXXX I received an alert from XXXX XXXX. I signed into my XXXX XXXX account and noticed XXXX XXXX had inserted new collection reporting on my XXXX credit report which dropped my credit score 56 points ( according to XXXX XXXX ). 8. While I am waiting for the credit bureaus to investigate number 7, I have ordered hard copies of my credit reports to see what is being reported to the credit bureaus by XXXX XXXX that dropped my XXXX score by such an enormous amount.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For Months I have been trying to reach out to XXXX, who is reporting negative information on my credit report. I have written letters asking for debt validation ( not verification ). I specifically asked for original contracts with my signature, as I have never had any accounts or have done any business with them. I also reached out to XXXX XXXX bank who XXXX says is the original creditor and they wrote a letter saying that they do not have any information regarding any account with them ( letter attached ). XXXX has NOT validated the debt that they are reporting on my credit report, however, they continue to report negative information. Also, they have sold the debt to Resurgent, which is illegal because they NEVER validated the debt.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have a credit card listed on my credit report that I did not apply for. I have requested proof from the collection agency to no avail. I have never seen the card, did not sign for it nor have I signed any transactions for this card.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed an account with XXXX XXXX and the credit reporting agencies several times. I have requested information relative to this account, including documents bearing my signature that serve as proof of the account belonging to me. XXXX is not authorized to collect debt in my state, and therefore, I have not only requested proof of this debt being valid ( NOT billing statements ), but proof that they are legally authorized to collect debt in the state of Georgia and have not received either. I have received one statement showing a balance of {$1700.00} and an account number with no proof that this is an account that I indeed own.
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX XXXX, XXXX and XXXX XXXX, XXXX and sent several letters to collection agency disputing the alleged amount. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX is obvious a collection who not following the law. Below are the facts in this matter.Please foreword my complaint to all three credit bureau removing this frivolous information. Office of Management and Budget 1320.6 this section, and will consider whether the burden of the collection of information is justified by its practical utility. In addition : ( 1 ) OMB will consider necessary any collection of information specifically mandated by statute or court order, but will independently assess any collection of information to the extent that the agency exercises discretion in its implementation ; and ( 2 ) OMB will consider necessary any collection of information specifically required by an agency rule approved or not acted upon by OMB under 1320.11 or 1320.12, but will independently assess any such collection of information to the extent that it deviates from the specifications of the rule. ( f ) Except as provided in XXXX320.15, to the extent that OMB determines that all or any portion of a collection of information is unnecessary, for any reason, the agency shall not engage in such collection or portion thereof. OMB will reconsider its disapproval of a collection of information upon the request of the agency head or Senior Official only if the sponsoring agency is able to provide significant new or additional information relevant to the original decision. ( g ) An agency may not make a substantive or material modification to a collection of information after such collection of information has been approved by OMB, unless the modification has been submitted to OMB for review and approval under this Part. ( h ) An agency should consult with OMB before using currently approved forms or other collections of information after the expiration date printed thereon ( in those cases where the actual form being used contains an expiration date that would expire before the end of the use of the form ). 1320.6 Public protection. ( a ) Notwithstanding any other provision of law, no person shall be subject to any penalty for failing to comply with a collection of information that is subject to the requirements of this part if : ( 1 ) The collection of information does not display, in accordance with 1320.3 ( f ) and 1320.5 ( b ) ( 1 ), a currently valid OMB control number assigned by the Director in accordance with the Act ; or ( 2 ) The agency fails to inform the potential person who is to respond to the collection of information, in accordance with 1320.5 ( b ) ( 2 ), that such person is not required to respond to the collection of information unless it displays a currently valid OMB control number. ( b ) The protection provided by paragraph ( a ) of this section may be raised in the form of a complete defense, bar, or otherwise to the imposition of such penalty at any time during the agency administrative process in which such penalty may be imposed or in any judicial action applicable thereto. ( c ) Whenever an agency has imposed a collection of information as a means for proving or satisfying a condition for the receipt of a benefit or the avoidance of a penalty, and the collection of information does not display a currently valid OMB control number or inform the potential persons who are to respond to the collection of information, as prescribed in 1320.5 ( b ), the agency shall not treat a persons failure to comply, in and of itself, as grounds for withholding the benefit or imposing the penalty. The agency shall instead permit respondents to prove or satisfy the legal conditions in any other reasonable manner. ( 1 ) If OMB disapproves the whole of such a collection of information ( and .the disapproval is not overridden under 1320.15 ), the agency shall grant the benefit to ( or not impose the penalty on ) otherwise qualified persons without requesting further proof concerning the condition. ( 2 ) If OMB instructs an agency to make a substantive or material change to such a collection of information ( and the instruction is not overridden under 1320.15 ), the agency shall permit respondents to prove or satisfy the condition by complying with the collection of information as so changed. ( d ) Whenever a member of the public is protected from imposition of a penalty under this section for failure to comply with a collection of information, such penalty may not be imposed by an agency directly, by an agency through judicial process, or by any other person through administrative or judicial process.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A