Date Received: 2021-11-23
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: XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA XXXX XXXX SEC XXXX XXXX. both illegal collections are still reporting on transunion llc after sol. expired XXXX years ago.
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX, I bought a used XXXX XXXX from XXXX XXXX XXXX. I took out a XXXX from XXXX XXXX XXXX on the date of purchase. I'm not sure if XXXX XXXX XXXX is still open or if it has been acquired by another company. I did get behind on payments with XXXX XXXX XXXX after paying off most of the loan ( remaining balance {$2100.00} out of approximately $ XXXX in loan and interest payments ). XXXX XXXX XXXX repossessed the car which was offered as collateral for the loan stating the balance of the vehicle 's sale would be applied to my remaining balance. It's now XXXX, I have been working with XXXX 's XXXX and XXXX on trying to close this balance. I come to find today that I no longer owe anyone money after simply asking for a breakdown of my account balance. I have incurred XXXX years of credit damage from the following parties : XXXX XXXX XXXX Unifin XXXX XXXX What are the steps I can take to repair what these lenders have done to my credit score? I feel 100 % vindicated after hearing I owe no money as of today. I'm even wondering if I'm owed money from these parties considering they can not produce any details pertaining to the money they were attempting to collect for years. Here are the company 's websites that I have cited in my complaint XXXX XXXX XXXX XXXX XXXX XXXX ( website unavailable )
Company Response:
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I would like for the XXXX XXXX XXXX to show proof of verification that I owe them {$94000.00}, {$2700.00}, {$420.00} my last 4 is XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Company Response:
State: OK
Zip: 73505
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 account was open in amount of {$420.00} on credit report.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I disputed that I owed the debt that XXXX claims I owe, and they acknowledged it and said that they would stop contacting me until they provided me with verification of the owed debt. A few days later, they continued collections actions. They also continued to email me despite the fact I requested that they send me only physical mail.
Company Response:
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is a bill from XXXX, from XXXX XXXX XXXX. They set the account up with my SSN and my daughters name. We tried numerous times to correct and they never did. We switched users and they say we owe them. Not sure at this point what it is for. I tried numerous times to straighten this out. They turned the account over to XXXX XXXX. We got numerous bills from them saying they would offer a settlement for x amount. I disputed this on my credit report because this is not my name on the bill, but on my credit report because of my SSN. The dispute came back in their favor. I got sick of fighting with them so I took a bill they had sent and paid the amount it showed. Sent that bill, my check with paid in full on it and mailed it to them. They cashed the check. I then got another bill from them. I called regarding it and they stated the amount I paid was on a expired offer. However they cashed the check. I feel that they have been paid and I actually paid a bill that is fraudulent beings it is not my name on the bill but they have my SSN.
Company Response:
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX account is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I spoke to them letting them know I did not have any debt with them. I had debt with XXXX XXXX XXXX. I told them the amount of debt was wrong, but did not think that they should have any of my information knowing I had set an agreement with XXXX to pay back {$2000.00}. Some how they were in charge of my debt and they will not negotiate to the same terms as the people who I was obligated to. I am not obligated or did not sign up with this unknown company of Jefferson Capital Systems. I had an agreement with XXXX Credit Card, not them. Now they are trying sue me for an outrageous amount of {$5800.00}.
Company Response:
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A XXXX credit was opened in my name sometime in XXXX. I notified XXXX that credit card was not mine. That the card was opened fraudulent. They informed that would take care of it. I now get at least 30 calls a day from Jefferson Capital who owns the debt. I have attached the call log from XX/XX/XXXX.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX has filed a suit in court but has not contacted me about any debt I owe them, I will answer the suit but they should come with the contract. I have never entered into a contract with XXXX XXXX a debt buying company. I am asking for them to verify debt with the original contract with my signature. They have failed to verify or notify me of said debt but have proceeded to file suit.
Company Response:
State: OK
Zip: 74801
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A