Date Received: 2018-02-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.
Company Response:
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2018-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is an account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX on XX/XX/, by telephone at XXXX and spoke with a customer service rep named XXXX XXXX. He advised that he didn't have any information matching my name, address or social security number and that he was going to submit an account resolution update to get the information stopped from being reported. I have sent a letter to the credit bureau requesting the information to be removed or updated certified letter return receipt XXXX. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX
Company Response:
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/2018 This collection account unlawfully appeared on my credit and I havent received any noticed from the collection agency. I am unaware what this debt is for and Im not responsible for this balance. I would like account to be deleted permanently without being sold or transferred.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company
Company Response:
State: IL
Zip: 61103
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: N/A unsure of where these numbers came from
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Also the collection it is about an old mobile account that as I know is paid as agreed and close years ago. Plus there is NO verification if they are registered in my estate.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The collection agency threatened to take legal action
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A