Date Received: 2018-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was recently trying to get a loan for bills and couldnt do to my credit so I had gotten my credit score looked at and seen that I have XXXX XXXX on my debt saying the account was open XX/XX/XXXX thats around the time my belongings were lost in grey hound I am an victim of identity theft and recently got my items stolen from on XX/XX/XXXX I have gotten a police report for theft so now all my information is out there once agin including Id social security card debit cards I had to cancel and my check stubs with my job info The amount in debt owed is {$690.00} Current creditor : JEFFERSON CAPITAL SYSTEMS LLC
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2018 I noticed XXXX XXXX XXXX Report a balance of {$960.00} on my XXXX, XXXX, and XXXX credit file which I do not recall. I havent received anything from this company at all via phone, via postal service, or any contact method. This is harming my score I requested something bearing my signature from this company.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE NO OUTSTANDING DEBT FOR XXXX. ON XX/XX/18. THIS DEBT IS NOT MINE. FRAUDULENT REPORTING
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A Subsidiary to CL HOLDINGS LLC by the name of JXXXX XXXX XXXX , XXXX has placed a debt on my credit report. This report is inaccurate and I have attempted to contact XXXX XXXX XXXX for debt verification as they have never contacted me. They have never responded with information regarding this debt and have yet to remove this from my report. The account looks to be tied with XXXX XXXX. However, I have not had an account with XXXX XXXX since XXXX ( which I had closed with a balance of {$0.00} ). The report states this account was opened XX/XX/XXXX. XXXX XXXX XXXX seems reluctant to remove frivolous, unsubstantiated claims of debt and is damaging my credit without cause.
Company Response:
State: MI
Zip: 49601
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had requested from XXXX XXXX to provide me with legal validation on the alleged claim that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX. I made this request in writing sent via certified mail return receipt to XXXX XXXX after discovering them on my credit report to this date I have received no response from the company and have never received a bill or statement my discovery of this company was on my credit report. XXXX states they have verified the debt I had request from XXXX the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed the account to which I have no account number for only a dollar amount of XXXX opened XX/XX/2018 with all three of the CRA XXXX and XXXX have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX credit file.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law. I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX and XXXX 's online systems to no avail.
Company Response:
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX is reporting a debt for {$880.00} on my credit report. This debt was resolved with the original creditor years ago. I have notified XXXX XXXX of this fact, and also disputed the account with XXXX, XXXX, or XXXX XXXX. Unfortunately, XXXX XXXX does not allow the credit bureaus to delete or properly update the account.
Company Response:
State: FL
Zip: 34287
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
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 filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2018-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A