Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is information that on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting at this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX Account number - XXXX This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information. Please remove immediately.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a random late payment showing up on my credit report with a company that i was never late with. If i was ever late it was because i never received a bill. Please help me get this removed. I have tried disputing it with the credit bureaus but not had success and i have had no explanation as to how i was late.
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: COMPANY INFORMATION : XXXXXXXX XXXX XXXX XXXX XXXX : Debt Collector ACCOUNT NUMBER : XXXX COMPANY INFORMATION : COMENITY BANK/ BONTON INVOLVEMENT : Original creditor ACCOUNT NUMBER : XXXX My latest credit report shows two companies on my credit report XXXX XXXX XXXX XXXX the debt collector and COMENITY BANK/BONTON the original creditor. I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( debt was, discharged in bankruptcy ) on my XXXX XXXX credit report . o Original creditor : COMENITY BANK/ BONTON Balance : {$1100.00} Sold to creditor : XXXX XXXX Balance : {$1600.00}. Charged {$480.00} more than the previous balance from original creditor XXXX XXXX XXXX Invalid date of delinquency statements sent by XXXX XXXX only shown late payments/interests accruing not first delinquency. XXXX COMENITY BANK/ BONTON account sold to XXXX XXXX account opened XX/XX/XXXX Bon-Ton Holdings Inc. During the first quarter of XXXX, The Bon-Ton announced it would be closing XXXX stores in XXXX states, in addition to XXXX stores previously announced. XXXX XXXX XXXX However, it was not enough to save the company from its large debt. XXXX XXXX XXXX On XX/XX/XXXX, Bon-Ton Stores revealed it had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX XXXX downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, The Bon-Ton Stores Inc. filed for XXXX XXXXXXXX bankruptcy protection. The company had not made an annual profit since XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX, it was announced that XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX would bid to save Bon-Ton from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. XXXX XXXX XXXX On XX/XX/XXXX, The Bon-Ton announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX XXXXXXXX bankruptcy to XXXX XXXX. They acquired the inventory and other assets of the company and sold it all off. XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. XXXX XXXX XXXX XXXX. I shouldn't owe a debt to a company that has closed all physical locations, filed bankruptcy, and liquidated all assets.
Company Response:
State: PA
Zip: 17109
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed claims against XXXX and XXXX over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. XX/XX/2023 XXXX CFPB Claim # XXXX XXXX CFPB Claim # XXXX
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/2023 this particular Bank along with XXXX XXXX in XXXX XXXX Pennsylvania illegally ran my credit report without my authorization and make note that this was illegally done by a XXXX XXXX XXXX Assistant to whom acted like they were desperate for money and on XXXX. Now my credit is XXXX XXXX with this particular Banks illegal activities
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Dear Sir/Madam, I am writing to formally dispute the debt collection actions taken by your agency regarding the debt allegedly owed by me. I have discovered numerous violations of consumer credit and banking laws, which have resulted in significant harm to my financial standing, mental well-being, and business operations. I kindly request that you address these violations, rectify the damages caused, and provide appropriate compensation for the distress caused. XXXX. Illegal Sale of Debt : 2. It has come to my attention that you unlawfully sold my debt without providing me with the required 1099-C form, both to me and the IRS. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Service ( IRS ) regulations, which explicitly require the provision of such forms in cases of debt discharge. I demand an immediate explanation for this violation and a remedy for the harm caused by your illegal actions. 3. Harassment and Scare Tactics : 4. Your attempts to intimidate and scare me into making payment through aggressive tactics, including threatening to sue me, are a direct violation of the FDCPA. Such conduct is strictly prohibited under federal law, as it causes unnecessary stress and distress. I insist that you cease all harassment and scare tactics immediately. 5. Credit Reporting Inaccuracies : 6. Your agency 's repeated and incorrect reporting of my account status has resulted in substantial harm to my credit score. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. As a consequence, I have been unjustly denied approvals for essential business-related matters, severely impacting my ability to operate my business. I demand the immediate correction of all inaccurate credit reporting and the restoration of my credit score to its rightful state. I am well aware of my rights as a consumer, and I insist that you comply with the following national laws and codes regarding consumer credit and banking violations in the United States : 1. Fair Debt Collection Practices Act ( FDCPA ) 2. Internal Revenue Service ( IRS ) regulations on debt discharge and reporting 3. Fair Credit Reporting Act ( FCRA ) 4. National Banking Laws and Regulations Furthermore, I specifically draw your attention to consumer credit and banking laws applicable in the state of New Jersey ( NJ ) that protect consumers from unfair debt collection practices : 1. New Jersey Fair Debt Collection Practices Act ( NJFDCPA ) 2. New Jersey Consumer Fraud Act ( NJCFA ) I request that you conduct a thorough investigation into the violations outlined above and respond to this dispute within 30 days from the date of this letter. Failure to address and rectify these violations, as well as provide appropriate compensation for the harm caused, may result in legal action being pursued against your agency. Please direct all correspondence regarding this matter to the address listed above. I expect prompt attention to this dispute, as well as a resolution that fully remedies the damages caused by your agency 's unlawful actions. Thank you for your immediate attention to this matter.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This is not my account. This was open during the year and time frame that my identity gotten stolen. I have disputed this as soon as I saw it on my credit report. After it had done been turned over to collections. I did not pay on this account or card. Ive never had a credit card with VS. I need to DISPUTE THIS AGAIN AND GET IT TAKEN CARE OF AND OFF MY CREDIT REPORT.
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Wayfair/ ( Comenity Bank XXXXBread Financial ) reported 30 days late on XX/XX/XXXX on all three credit reports which was incorrect. The item is inaccurate because payment was made on XX/XX/XXXX, 18 days later than the due date of XX/XX/XXXX Per the U.S. Code 15 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The credit card company had not uploaded statements to my online account or sent them to my email or mailed to my home address since XX/XX/XXXX ( See attached screen print ), which is a violation of US code 15-1666b. Due to the non-mailing of statements the late payment reported in XX/XX/XXXX should be removed. I sent the company a certified letter by U.S. Postal mail on XX/XX/XXXX, however I never received a response. Federal law late payments should be reported on consumers report only if they are past due 30 days or more.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Todays date is XX/XX/. After talking to a person on Comenity Bank The person transferred me to a supervisor. So, I spoke to him, and immediately he called me back on a number that was block on my phone and then he costarted to talk, start to curse and threaten violence. I think I should take this to the authorities. Right after I told the company to stop sending harassing calls.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Comenity Bank XXXX fraudulently opened a credit card for me without my knowledge or consent. I called Comenity Bank XXXX to cancel the card. However, they asked me for personal information such as social security, address, phone, and date of birth before they would cancel, and I'm concerned about providing additional sensitive information to an unscrupulous and fraudulent company. I hung up and do not know what to do to close this card. Comenity Bank XXXX also conducted a " XXXX inquiry '' on my credit report without my knowledge or consent. I've successfully removed the inquiry from my XXXX and XXXX credit reports. However, XXXX will not remove the hard inquiry from Comenity Bank, despite me filing a fraud report and requesting credit protections.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A