Date Received: 2018-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: You are attempting to collect on a debt that is not owed. OnXX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX attached ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill ( see attached bill ). Only my name should be on the bill as is shown on my contract ( see attached contract ). I provided a copy of my contract and details of their errors and received a response from XXXX XXXX XX/XX/XXXX clearly stating that everything is correct according to them and notification that I will receive a late fee if they do not receive my payment in full by the due date ( see their response attached ). Since they did not wish to honor their written contract, I would be forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill attached ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. If XXXX XXXX XXXX XXXX doesn't immediately clear up this matter, I will immediately file suit through Consumer Fraud Legal Services. The documents, including XXXX XXXX XXXX XXXX written attempts directly and indirectly to collect on a false debt have already been forwarded to the FTC. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$900.00}, I have sent a notice of state and federal validation of debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: These accounts have not provided proof and either was removed or re-inserted without notifying me. XXXX XXXX was an account that was removed on XX/XX/2017 from XXXX but both XXXX and XXXX have not removed the account, although the creditor failed to provide proof. XXXX XXXX has not provided any proof or account information but is reporting on my credit report. Enhanced Recovery was an account that was deleted XX/XX/2017 by XXXX XXXX account but re-inserted without notifying me or proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I faxed a VALIDATION letter to a company trying to collect on a XXXX XXXX XXXX bill. I have never in my life had XXXX XXXX XXXX for about 12 years I have been with XXXX. I asked for validation be sent to me with a signature of the owner of the account. I asked them to provide me within 30 days and if they could not provide the proper validation that they must cease and desist on all collections and remove any non validated information from my credit reports. I got a response and the letter is dated XX/XX/XXXX ( past the 30 days ) and all they sent was a copy of a bill, that I asked them not to send a " bill ''. I want this collection agency to remove me from their system and remove all negative remarks on my credit files. Attached is what was sent an it is not VALIDATION!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was unauthorized. I am a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was unauthorized. I am a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account. The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report. XXXX XXXX original creditor ( XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX COMPANY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A