Date Received: 2018-10-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was not given the proper notice to dispute this debt that is dragging down my credit score on my report. This debt has since been closed and paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX XX/XX/2018
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. XXXX XXXX XXXX. XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$110.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My ex-wife used my name to get a cell phone account that I did not give my permission. Now they contacting me to collect the debt. Because she my name. XXXX XXXX XXXX keep on passing the debt over different collection agency so they can keep affecting my credit score. This debt was made in Alabama, I am in North Carolina been here since XXXX. These people traced me down but can not find her and she is there in Alabama where the debt originated from. Talk to XXXX XXXX XXXX two years ago when this took place and told them this is identity theft. They told me they will take care of it, but they are still holding me responsible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear CFPB : I found this inscrutable notation on my credit report -- ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for XX/XX/XXXX Balance : {$190.00} Pay Status : >In Collection< Page 2 of 13 collection : Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Now, there are three things wrong with this collection agency 's attempt to place this on XXXX, XXXX and XXXX -- all three bureaus. First, they are admitting on their own report that whatever creditor they purport to represent only dealt with my " agency or attorney '' -- in short I've never signed a " charter communications '' contract in my life in my personal capacity. Second, I have never lived in Florida, which is maybe where this creditor is from -- at least where the collection agency is from. Third, the amount in question will disappear from my credit in XXXX, which means that it dated from five years ago back in XXXX, and it just now is popping up on my credit, which is highly suspicious. As a bonus problem, the amount is {$190.00}, which of course would be much more than any month of a cable bill..if that's what this at least five year old reported item is in fact representing. Bottom line, I have nothing to do with XXXX XXXX nor this Collection Agency out of Florida and this report is fraudulent. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was not contacted or informed of this item, this item was added to my credit report without contacting me, and i have no knowledge of this item. If this is not corrected I will contact my Attorney General.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them {$860.00} on one account and again another {$1300.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2018-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : experian_logo Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XX/XX/XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. Here are your results XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. XXXX icon Deleted You can contact XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. Before your dispute : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93635
Submitted Via: Web
Date Sent: 2018-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A