Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My issue is with discover collections, they are repeatedly calling me up to 5 times a day. I am being harassed and called constantly in XXXX minute intervals from discover, an agent, and repeated calls from numbers that hang up immediately when answered. I am being called late at night after XXXX XXXX and sometimes in the early morning. This is excessive and harassment and is causing myself and my family emotional distress. They are calling my relatives even after I have repeatedly asked them to contact by mail with proof of debt and charges. I only receive statements in the mails nothing else. I have attached screenshots of my most recent calls to show as an example.
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from DISCOVER. I have attached the documentation to verify and make sure the proper steps are taken to completely get this resolved as soon as possible. Changes need to be also reflected on credit file to show no balance owed since account was charged off.
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Bought XXXX XXXX XXXX of {$700.00} as I was scammed by a person who said he was XXXX XXXX XXXX, and he needed the gift cards to update his personal computer.
Company Response:
State: MI
Zip: 49423
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Repeated abusive phone calls, threatening to sue me and garnish my wages
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. *USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. Please Delete/ Remove this inquiry from my consumer reports as soon as possible. Thank You In Advance, XXXX XXXX
Company Response:
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These hard inquiries on my credit report are in accurate and I dont recognize any of them. Here are the following hard inquiries that I do not recognize this is fraud. XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX
Company Response:
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An Unauthorized Inquiry was reported to my XXXX XXXX on XX/XX/2023. A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. *USPS Certified Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. Please Delete/ Remove this inquiry from my consumer reports as soon as possible. Thank You In Advance, XXXX XXXX
Company Response:
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is currently reporting as a charge-off. Im requesting a 1099-c for this consumer credit transaction.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is currently reporting as a charge-off. Im requesting a XXXX for this consumer credit transaction.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A