Date Received: 2018-03-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
Company Response:
State: UT
Zip: 84117
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I get numerous successive calls from XXXX XXXX XXXX. XXXX. It is abusive
Company Response:
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. How can they The item was deleted from my credit report and then reinserted without any notification. I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX is showing on my credit report as a collection and I checked and they are not registered with the Secretary of Ohio to be able to collect this debt as I have resided in Ohio for the last year. Ive contacted the credit bureau as well as the agency and they have failed to remove the collection.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello Consumer Financial Protection Bureau, I am contacting you for help with some creditors/banks on my personal credit report. I have already tried and disputed these unauthorized accounts on my credit report via the online portal through XXXX XXXX with all 3 credit bureaus, XXXX, XXXX and Experian. In addition, I have since tried contacting them all several times by telephone, email and finally written letters signed, notarized by my personal credit union and all sent USPS Certified Mail with Return Receipt to all the creditors and banks with no response or help whatsoever. So, I found the CFPB through research and am hoping your agency may assist me since they refuse to do so. I was a legitimate victim of fraud between the periods of XX/XX/XXXXthrough XX/XX/XXXXand only just realized 2 months ago when I decided to check my credit report. Several of the legit creditors and collection agency 's that did have deragotory marks on my credit report did immediately remove them and had sent me verified proof of such. The remaining creditors and collection agency 's I have listed below are the company 's who are refusing to offer any help. With the assistance and guidance from my Attorney, he suggested that I send them all a written and notarized FCRA Section # 609 Debt Validation Letter for legit proof that the debt was legally my own. By federal law, as they are more than aware of as creditors and debt collectors, have 30 days from the postmarked date that they received the written notice to provide written, visual and/or audio proof that I was the legal and responsible owner of such debt. Again, all of them with no response, help or guidance. So, at this point, the only recourse I have is with the FCPB. I will list all of the information I have available with each creditor, collection agency and/or banks. *XXXX XXXX XXXX XXXX XXXX. Debt Purchased from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX *This collection agency has been of no help and refuses to offer any proof or explanation of the debt they are accusing me of. What makes things worse is the fact they have removed the deragotory marks off of only 1 of the credit bureaus, XXXX. But, they will not remove the deragotory marks off of XXXX or XXXX. By law, they are supposed to make the necessary corrections with all 3 credit bureaus, not just their choosing. I am again requesting this company to finish the deletion process completely from the other 2 credit bureaus. *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This bank/credit card company lists a debt in my name as a " Charge Off '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. I have never even heard or this company/bank until just recently. Again, no help or response after emails, letters, disputes and numerous telephone calls. They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus. *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX This bank/credit card/online store catalog company lists a debt in my name as a " Bad Debt '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. To make things worse, this is the 2nd deragotory account from XXXX along with the Collection Agency above that is stating I have yet another account with them. I have tried, over and over for any help or response after emails, letters, disputes and numerous telephone calls. They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus. *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX According to my recent dispute withThis creditor/bank, it has modified or " Updated Their System '' stating that they " Certify The debt belongs to me '' but changed remarks on my credit report from " deragatory '' to " Closed '' with no payment information whatsoever. I have never even opened an account with this creditor and yet they continue to post on my credit report as if I did, but yet they can not provide any account information except the partial # 's provided. Just changing an account status from " Deragotory '' to " Closed '' and still report 3 late payments on this account is not acceptable. In addition, this company has pulled 7 " Hard Inquiries '' on my credit report over the course of 5 years. As I stated above already with the other creditors listed above, by federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting, again, that this account is removed from all my credit reports along with all the Hard Inquiries they have pulled. I apologize for such a lengthy letter, but as you already are aware of, these negative and deragotory accounts listed on my credit report are seriously impairing my ability to obtain any credit and is causing a huge problem within my family. Being a victim of Identity Theft from several years ago has been an awful amount of time and work just to clear my name of these wrongdoings. It should not be as difficult as it has been to make things right. If you have any questions, please feel free to contact me anytime, I have listed all of my personal and contact information above. Lastly, I just want to sincerely thank you for all of your time, help and patience with this matter, both myself and my family very much appreciate it. I hope you have a blessed and wonderful day.
Company Response:
State: MI
Zip: 48101
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: On XXXX XXXX, XXXX XXXX XXXX, XXXX placed a new collection debt on my credit report to all 3 credit bureaus ' without properly notifying me. The amount of the debt is showing {$3700.00} and the original collector was XXXX XXXX. Since then, the debit has been updated on my report XX/XX/2018.
Company Response:
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Lawsuit filed against me onXX/XX/2016. CAN NOT get attorney to respond to my WRITTEN REQUEST for documentation of debt. Lawsuit filed. I responded pro de ... .yet NO response.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice in the mail on XX/XX/XXXX from a collection Debt company called XXXX XXXX XXXX. XXXX for a amount of {$620.00} from a company called XXXX XXXX based in XXXX, Michigan which is back dated to XX/XX/XXXX. I have never gotten a notice form XXXX XXXX for any unpaid balances nor have I ever lived in XXXX or signed up with the company XXXX XXXX. I have called XXXX XXXX as they told me I would need to fix it with the collection agency XXXX XXXX XXXX. I also filed with XXXX credit for fraud and Identity theft. They could not resolve the situation and XXXX XXXX XXXX. XXXX has said that I need to Supply more information. But when asked what is needed to supply it isn't a straight answer. I've been dealing with this for over 2 months now because everything is mail from XXXX XXXX XXXX. XXXX and it has taken a toll on my credit dropping a significant amount in point.
Company Response:
State: MN
Zip: 55125
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A