Date Received: 2021-05-24
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 has continuously and falsely verified this alleged account. XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because XXXX is the only one reporting this alleged item. ( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I tried dispute this due to not knowing what to is debt is for and the company states otherwise they can even tell what it is for
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from XXXX XXXX XXXX, XXXX, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.
Company Response:
State: IN
Zip: 46214
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I disputed my Victoria secret and its been paid off for awhile now and they still wont take it off.
Company Response:
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX Creditor is New York & Co. Comenity Bank Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with New York & Co, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company Comenity Bank and it has not been satified, I really feel that this is not fair. My email is XXXX Company address is XXXX XXXX XXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i haven't received any investigations results.
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Inaccurate account status for XXXX and XXXX of XXXX as well as XXXX, XXXX, XXXX, & XXXX in the year XXXX. Since XXXX, I've been in contact with the company XXXXXXXX XXXX and was advised my account status would be corrected in no later than 45 days but to no avail.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
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: XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$210.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Comenity Capital Bank sent me a XXXX XXXX XXXX Mastercard that I never applied for.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX or CCB/comenity bank has been moving late payments around on my credit report for years and have been doing this fraudulently and reporting false information! Ive reached out to them constantly dispute after dispute and no one responds within the 30-45 day time frame. These late payments need to be removed because they are FALSE REPORTING!
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A