Date Received: 2021-04-01
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: This is yet my recurring complaint as XXXX is not understanding my complaint and abundant disputes as they use people who do not understand English, so I will attempt to explain this again! I am a single mother of a small XXXX child and feel that both Santander and XXXX are ignoring me and my documentation that verifies the facts and that Santander should be banned from posting anything on my credit report and to delete the entire creditor reporting from my credit report and block them from posting anything else on my credit report. Here are the summary of facts and attached are the documentation as prove : I had and was forced to trade in a XXXX XXXX XXXX vehicle that was purchased at XXXX FL. Since the purchase, I had constant problems with the vehicles computer system and was documented under the Florida Lemon Law and XXXX agreed to Buy Back the vehicle in question. All along I was making all my payments on time as agreed and was never late! Then in discussion we found the Van had a totaled title and should not have been sold to me in the beginning. XXXX offered to swap for another vehicle and I declined as I no longer wanted to do business with XXXX and purchased another vehicle elsewhere after the Buy Back was completed as a trade-in agreement. I was instructed to bring the Van to any XXXX location. Three days later I brought the Van to XXXX in XXXX and they would transfer the Van to XXXX FL to complete the paperwork. XXXX sent me a form to sign and bring with the Van to XXXX on XX/XX/2020 at XXXX that they signed and copied the attached agreement, So I handed over the keys in exchange for the signed agreement that they would arrange with our Creditor ( Santander ) to complete the paperwork. They helped take the tag off and we left the dealership. Then weeks past, we tried to contact XXXX corporate in XXXX VA on the status of where the rest of the paperwork and acknowledgement they had paid off Santander, but they never responded back. Several times over the months, we tried over and over again to contact Santander ( Finance company ) the van was a buy back from the dealer on XX/XX/2020, but we could never talk to a human at Santander. On just two occasions we were able to talk with an agent at Santander, but they were very rude and would not listen, they did confirm they received the paperwork from XXXX and this is where we are very confused. So we sent The Santander company a letter ( attached ) with our concerns and copies of the documents several times which have obviously been ignored. We contacted XXXX Corporate executive offices and filled a formal complaint and no response, so I filed another complaint. After filing 4 complaints over 3 months with XXXX we received an email from a XXXX XXXX saying she needed the paperwork and would resolve the matter and we sent them to her immediately, sadly to date we have not received any further responses from XXXX XXXX except they advised they tried to pay Santander and they refused their payment several times. Now the issues we have are with Santander as they are falsely reporting to the credit bureaus the account is closed as a repossession with XXXX and 120 days late and a balance due. We have disputed the facts with all three of the Credit Bureaus and they keep responding back saying " the creditor verifies the account is valid and accurate ''. All three of the Credit Bureaus have been sent all the related legal documentation and statements which they totally ignore. Furthermore the credit reporting agencies continue to allow the creditor to report false information on my Credit Report in violation of the FCRA laws and my rights to have these reporting removed. We are being held hostage by all this which is legally not fair at all. I have exhausted all known efforts to resolve this matter which MUST be done promptly as this has become a total nightmare! PLEASE HELP!
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been disputing my credit report account information as inaccurate and reporting errors with XXXX, XXXX and XXXX. I found out about the alleged debt when it was to late. I did not have any knowledge nor did I receive any notifications of the alleged debt. XXXX removed all errors and inaccurate information. XXXX and XXXX are still reporting errors and inaccurate information. Ive contacted both credit bureaus XXXX Credit Bureau and XXXX Credit Bureau numerous of times and disputed those errors and inaccurate information thats remaining on my credit report. Ive also asked them to validate the debt, both credit bureaus have come back to me and stated they were able to verify and validate this debt. How is this possible? Under the laws of the FDCPA, I have contacted both collection agencies myself and have been unable to get them to verify that this is indeed my debt with physical documentation. XXXX is reporting errors and incorrect information with the creditor XXXX XXXX XXXX as in late payments. I was never late on this account. I have asked XXXX to validate the account by sending me physical documentation as in the original signed contract bearing my signature including the amount of the monthly payment and the monthly payment due date, copies of the original cashed checks used for bill payment including the dates, bank statements showing my payments including the dates. The dates of the alleged late payments are XX/XX/XXXX. They have the XX/XX/XXXX scheduled payment amount of {$520.00} and the amount of {$520.00} was paid on XXXX XXXX. How was I late and what proof do they have to validate this. This is an example of errors and inaccurate information. The other inaccurate late payments XXXX is reporting is as follows, XX/XX/XXXX and XX/XX/XXXX, XXXX through XXXX of XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX and XX/XX/XXXX. Not only was I never late on this account, As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what XXXX XXXX the furnisher sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report. XXXX is reporting the following for the creditor XXXX XXXX : Account Name XXXX XXXX XXXX, Account XXXX, Account Type Auto Loan, Date Opened XX/XX/XXXX, Responsibility Joint with XXXX XXXX, Status Paid, Closed. Status Updated XX/XX/XXXX, Balance- ( blank ), Balance Updated- ( blank ), Recent Payment- ( blank ), Monthly Payment {$0.00}, Original Balance {$20000.00}, Highest Balance {$0.00}, Terms 66 Months. XXXX is also reporting errors and incorrect information with the creditor Santander Consumer USA. Santander Consumer USA is also rude and non complaint to my disputes. I know Santander had a class action lawsuit including a settlement. ( A coalition of 34 attorneys general led by Illinois Attorney General XXXX XXXX, announced on XX/XX/XXXX, a settlement with Santander Consumer USA XXXX. ( Santander ) that includes approximately {$550.00} XXXX in relief for consumers with even more relief in additional deficiency waivers expected. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ) Santander Consumer USA was also ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ). According to the consent order it states Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent. With that being said XXXX did not report any payment history from XX/XX/XXXX-XX/XX/XXXX but listed payment history in XX/XX/XXXX as agreed/ paid on time. Why is XXXX not reporting the payment history when this alleged account open date was in XX/XX/XXXX. XXXX intentionally left it blank and is reporting inaccurate information. XXXX must retain the delinquency date connected to the original charge. XXXX is in violation of the law by reporting inaccurate information. XXXX is also reporting the following for the creditor Santander Consumer USA Account XXXX SANTANDER CONSUMER USA, Date Opened, XX/XX/XXXX, Account Number XXXX, Account Type Auto Loan, Responsibility Joint with XXXX XXXX, Status Account charged off. {$13000.00} written off {$18000.00} past due as of XX/XX/XXXX. Status Updated, XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX, Recent Payment {$0.00}, Monthly Payment {$0.00}, Original Balance {$20000.00}, Highest Balance {$0.00}, Terms 84 Months, On Record Until XX/XX/XXXX. If the account was opened XXXX XXXX and the original balance was {$20000.00}. Why do I still have a balance of {$18000.00} in XX/XX/XXXX. So this is stating and XXXX is reporting after 5 years the exact and only amount paid on this alleged debt was a total of {$2000.00}. XXXX is in violation of the law by reporting inaccurate information. XXXX is also reporting my personal information in error and inaccurately. Ive disputed these errors and incorrect items on my credit report numerous times and provided documentation of my one and only address and your company still failed to remove and update this incorrect information. The items showing errors and reporting incorrectly is : The address of XXXX XXXX XXXX XXXX XXXX, La XXXX and XXXX XXXX XXXX XXXX XXXX, La XXXX. I can not receive any mail from the United States Postal Office at either address. My correct address and the only address I reside at is XXXX XXXX XXXX XXXX XXXX, La XXXX please update. My correct date of birth is XX/XX/XXXX ( XXXX ) please correct and update. I Ive provided supporting documents, my original Louisiana birth certificate, my Louisiana Drivers License, my social security card, my W2 and a copy of an utility bill. Please reinvestigate these and delete and correct the disputed items as soon as possible. XXXX also have 3 inquiries that need to be removed. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquired on XXXX XXXX, US SM BUS ADMIN ODA inquired on XXXX XXXX and US SM BUS ADMIN ODA inquired on XXXX XXXX to determine who requested this credit inquiry. If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed to my mailing address XXXX XXXX XXXX XXXX XXXX, La XXXX If you find that I am in error, then please send me proof of this. This is a clear case of unverified debt here, In this event XXXX can not verify or validate the item pursuant to the FCRA, and the company continued to list the disputed item on my credit report. I will find it necessary to sue for actual damages and declaratory relief under the FCRA. I urge XXXX to remove this item before I am forced to take legal action. I will find it necessary to sue for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. In addition I know that the XXXX XXXX agencies ( XXXX and XXXX they actually earn money when you dispute inaccurate items on your credit reports. The Credit Reporting agencies do not widely publicize this fact, but it is true nonetheless. I look forward to an uneventful resolution of this matter. I need XXXX to validate the debt as in providing physical documentation as in the original contract bearing my signature with proof that my name is listed as being primary of the account, a detailed list of the payment history from the first date the account was open beginning in XX/XX/XXXX and to include all the payment history from XXXX XXXX. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Please validate or remove from credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what Santander Comsumer USA the furnisher sent to the credit reporting agency XXXX as evidence or any physical documentation that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report. XXXX is also is reporting errors and incorrect information with the creditor XXXX XXXX XXXX as in late payments. I was never late on this account. I have disputed this error and inaccurate information and I have asked XXXX to validate the account by sending me physical documentation as in the original signed contract bearing my signature including the amount of the monthly payment and the monthly payment due date, copies of the original cashed checks used for bill payment including the dates, bank statements showing my payments including the dates. The dates of the alleged late payments are as follows XX/XX/XXXX and XX/XX/XXXX, XXXX through XXXX of XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX and XX/XX/XXXX. XXXX is reporting the following for the creditor XXXX XXXX : Date Opened XX/XX/XXXX, Monthly Payment {$0.00}, Responsibility Joint Account, Account Type Installment Account, Loan Type AUTOMOBILE, Balance {$0.00} Date Updated XX/XX/XXXX, Payment Received {$2500.00}, Last Payment Made XX/XX/XXXX, High Balance {$20000.00}, Pay Status Current Account, Terms {$0.00} per month, paid Monthly for 66 months, Date Closed XX/XX/XXXX, Remarks CLOSED. Please validate or remove from credit I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what XXXX XXXX the furnisher sent to the credit reporting agency XXXX as evidence or any physical documentation that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report. You have 30 days to send me physical and verifiable documentation if not Please remove these accounts immediately from my credit report.
Company Response:
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir / Madam, I am writing today to formally complain about the business practices I have been subjected to by Santander Consumer USA. In XX/XX/XXXX I purchased a car at XXXX XXXX XXXX in XXXX Ohio. Because of my bad credit score I was told that the only lender that would work with me is Santander at an interest rate at around 18 % on a {$25000.00} loan. I was told that in order to get the car, Santander required me to purchase an extended warranty, otherwise they would deny me the loan, which I have recently learned is not true and often is a scam. The total cost of the loan was to be {$45000.00} and was based on 66 monthly payments of {$680.00}. I ended up ( based on Santanders payment history that was sent to me ) making a total of 82 payments for a total of approximately {$59000.00}, which included all fees, resulting in an overpayment amount of {$14000.00} of the agreed upon amount. The agreement states that the late charge is to be no more than 5 % of the monthly payment, which is approximately {$35.00}. If I were late every month that would still only amount to {$2800.00}, leaving almost {$12000.00} unaccounted for in miscellaneous late fees that are not stipulated anywhere in the original contract. On XX/XX/XXXX a payment of {$700.00} was made. NONE of the payment went to the remaining {$450.00} principle, but was entirely applied to Misc fees. This was the only time in the history of the loan that this happened. The next day, XX/XX/XXXX the vehicle was traded and Santander was notified of this. Again on XX/XX/XXXX, Santander called and was informed that the vehicle was traded and the dealership, XXXX XXXX of XXXX Ohio, was sending the payoff amount as agreed the day before. On neither of the calls did the Santander customer service representative inform me of any late status, nor did they inform me that the {$450.00} remaining principle wasnt paid, despite receiving a payment from me on the XX/XX/XXXX. The very next day, XX/XX/XXXX, Santander flagged my account with the credit reporting agencies as Charged Off in the amount of {$450.00}, with a {$1800.00} balance. Im assuming the {$1800.00} balance was made up of some of the {$12000.00} in miscellaneous fees. On XX/XX/XXXX, Santander received the payoff and applied the amount to my loan, effectively paying it off. When I called Santander to inquire about the charge off they told me that the loan wasnt paid and as such they couldnt change the record. Not satisfied, I wrote and mailed 5 letters to different Santander addresses explaining my situation and asking them to correct the credit report and remove the charge off now that it has been paid, only to receive 5 form letters stating that their reporting is correct and can not be changed. I then decided to start a dispute with Experian to investigate, however it appears XXXX efforts are going unanswered as well. Currently, 2 months later, my credit report still shows an unpaid charge off from Santander, and they also have entered the incorrect loan term on the account, showing that it was 89 months and not the contracted 66 months. In my online research trying to find out how to best approach this issue, I learned that Santander was the subject of a CFPB lawsuit and forced to rectify the accounts of customers that were subjected to circumstances similar to mine. I am not looking for any financial reimbursement, I simply request that my credit report be corrected to remove the charge off and show the account as paid in full or completely remove the Santander account from all public credit reporting agencies. My family struggled financially for 7 years because of the inability to get out of this loan and now to charge off my account after receiving {$14000.00} over and above the agreed upon terms of the loan, in addition to knowing that the vehicle had been traded in the day before was unbelievable to me considering I spoke with Santander the two days before and was not informed that this was about to happen. Ive attached documentation showing the extended warranty I was forced to purchase, the payment schedule on the contract, the total cost of the loan, the payment history as provided by Santander, my letter requesting they correct the credit report, a screenshot of the erroneous credit report, the addresses to which my letters were sent and Santanders generic response to my request. Please let me know if there is any further information you need. Thank you for your assistance.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with Chrysler capital through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. Chrysler Capital manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Closed and paid account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was looking over my credit report and saw that Santander Consumer USA Inc. was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Company Response:
State: TX
Zip: 78412
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/XXXX vehicle was repossessed and kept unattended with windows left down during rainstorm then immobilized due to improper business practices. Ive requested for Santander to dispute this claim with their tow vender & have simply stated that they deny. If damage is done to the vehicle then they should pay compensatory damages to resolve the issue.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/XXXX I sent you a right to rescind the contract to the vehicle which federal law allows.This document was notarized on the XXXX of XXXX within the 3 days of intent. This letter was received XX/XX/XXXX by XXXX XXXX to no avail. After thirty days I sent you a default with and opportunity to cure the matter which was recieved XX/XX/XXXX given you guys 15 days to resolve the matter and compensate me, also follow my written instructions to resolving this matter. Still, no answer. Now you guys have threatened me with repossession and also to damage my credit using abusive language to me. Persuant to 15 USC 6802 ( B ) The consumer is given the opportunity before the the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; this is my communication for you not to disclose such information to any third parties. 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. This agreement was a consumer credit transaction in which I extended myself the credit you guys didn't loan me anything. youve fraudulently attached a security interest into the agreement when in fact Your company Cant certify the agreement under the penalty of perjury, yet you are tryging to reposses my property when the contract itself is fraudulent. You cant enforce on a fraudulent contract. you also sent me a statement in the mail which violated the FDCPA Ive written an affidavit with no response. Ive also sent you a verification of debt. You have not responded to this and its been 30 days for all. At this point I will file suit you will see me in court.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This company keeps calling me about a debt that is over 8 years old. They threaten legal action in addition to threats of contacting my employer and any relatives they can find. Voicemail messages : ( in part ) XX/XX/21 XXXX XXXX " ... regarding an active order that been issued and filed against you. They have instructed me to contact your employer and speak directly with your supervisor ... once the case is discharged and filed, all of your legal rights to have this resolved will be voluntarily forfeit. Contact our legal office ... this is considered an official legal notice by phone. Until contact has been made, you will be located directly. '' XX/XX/21 XXXX XXXX " I am contacting you on behalf of judicial services. I've been instructed to contact your employer and speak directly with your supervisor as it does appear that will be likely a place of location and also make you aware they have issued an order to have you located ... '' XX/XX/21 XXXX XXXX " I've been instructed to get in contact with you in regards to the active order of location that is still in the process of being issued and filed against you. ... I do want to advise you that they're wanting to move forward with the original plan and have a new process of the premises of your employment or any relative homes that is listed in public record. ... This is considered your final legal notification by telephone. You can not say that you didn't have any prior knowledge of the case being filed. Further action will continue against you until direct contact is made. Good luck to you. '' XX/XX/21 XXXX XXXX A bunch of the same ... threats to locate my employer, my residence, and any relatives homes that have been listed in public record. They are calling my husband and I both during work. I have spoken to them. They refuse to mail me anything regarding the debt or give me the 'name ' of the business they are with, just that they are with 'judicial services '.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A