Date Received: 2018-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX wrongly switched this account into my name after I purchased a house. This bill is from before XX/XX/XXXX and we moved in XX/XX/XXXX. This is not and has never been my bill. I've attempted to speak with both XXXX and the collection agency and they refused to provide proof this is my bill. Furthermore I've attempted to dispute this with credit bureaus and the agency declined my dispute. Further if this was mine it would be from XX/XX/XXXX and XXXX XXXX reaged the account to show it delinquent as of XX/XX/XXXX ... I did not have a XXXX account in XX/XX/XXXX.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My first request for debt validation all that was received was a copy of a statement and a letter saying this is yours. I have again ask for complete debt validation.and have not received.any information at all. Meanwhile this item remains on my credit file and is causing me.problems with obtaining credit.
Company Response:
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store. A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full. The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXXXXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2018-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have repeatedly requested validation of a debt that is being reported on my credit report by XXXX XXXX XXXX. They have only sent print outs of statements that dont even have my full name or signature on them. They state XXXX is the creditor but they dont provide copies of ANY contracts : a contract with my signature on it with either party, and no contract that shows XXXX XXXX owns this debt and they have authority to collect anything. They stated they have fulfilled my verification request. Per the FTC, print outs of statements are not validation of a debt and do not stand up in court.
Company Response:
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2018-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a XXXX XXXX XXXX with over XXXX miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX account balance. I have been disputing the correctness of this reporting with XXXX and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2018-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit report showed discrepancy. I'm a victim of Identity Theft.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2018-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: According to my recent credit report I have an account in the amount {$1000.00} from XX/XX/2015 placed in collections I was not aware of. I have tried to work out the problem with the company informing them I was not a member of their company and belong to their competitor. Also, I had not receive any information regarding the problem in a timely manner to activate a dispute.
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A