Date Received: 2018-03-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account from XXXX from XX/XX/XXXXkeeps being re-aged by debt collectors. I have disputed multiple times over the last few years. The most recent collector has re-aged it for the date of XX/XX/XXXX!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44460
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on my credit report.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX For XXXX XXXX XXXX XXXXLast Reported XX/XX/XXXX Collection Agency ERC Original Creditor 11 XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$490.00} High Balance {$490.00} Remarks Placed for collection This is not my account check your records I do not have this debt. I live in AZ Not Calif. Notification of Identity Theft to Financial Institution and Credit Grantors XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX/ERC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Fraud Department : Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. ( Check all that apply ) : Please place a fraud alert on the account number referenced at the top of this letter. My address was fraudulently changed. Please refer to the correct address at the top of this letter and make all appropriate corrections. The address above has been my correct address for years. My checks were stolen or lost. Please close the account and open a new account in my name with a new account number. My credit/ATM/debit card was stolen or lost. Please deactivate the card, close the account and open a new one in my name with a new account number. There are certain account activities/charges on my account which I did not make. I have highlighted these fraudulent charges on the statement ( s ) attached. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. I would like to have my account " password flagged ''. Please provide me with the appropriate contact and procedure for having this done. X The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX Please note that I notified you as soon as I learned of the fraud and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately close the account ( s ) and inform the Credit Reporting Agencies that it was fraudulent and that it should be removed from my credit profile. Do not sell or transfer any debts related to the fraud and do not turn these accounts over to a collection agency. Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct any errors on my account and provide me with an accurate statement of my account. Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : 1. The address, phone number and password for the fraudulent account opened. 2. The original application and/or forged signature or electronic information. 3. All copies of billing statements and any other correspondence related to this account. 4. Any other information regarding this account. 5. Any fingerprints, photos, or video of the impersonator. 6. Application records or screen prints of Internet/phone applications. 7. Payments/Charge Slips 8. Investigator 's Summary - electronic or otherwise 9. Delivery address 10. All records of phone numbers used to activate the accounts or used to access the accounts. 11. Any other documents associated with the account. Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. If you have any questions, please call me at or. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX REPORTED A COLLECTION ON MY CREDIT REPROT FOR {$2800.00} STATING IT WAS FOR XXXX XXXX XXXX BUT I NEVER HAD XXXX XXXX XXXX .... THEY FAILED TO VALIDATE THIS COLLECTION DID NOT PROVIDE ME WITH ANY PROOF THAT THEY HAD THE RIGHT PERSON .... INSTEAD THEY ARE NOT CALLING MY WORK AND MY RELATIVES.. I ALSO CALLED XXXX XXXX XXXX WHO DID NOT AND COULD NOT FIND ANY ACCOUNTS UNDER MY SOCIAL # ESPECIALLY NOTHING IN DEFAUL. XXXX IS A FRAUD AND ATTEMPTING TO COLLECT ON THE DEBT THAT DOES NOT BELONG TO ME. EVEN AFTER RECEIVING CEASE AND DECIST THEY KEEP HARASSING ME ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an alert from my credit monitoring service that a collection account appeared on my credit report for XXXX, XXXX, and XXXX. The collection account in question with XXXX XXXX is not mine. I called the company on XX/XX/XXXX stating my claim. They stated this account was from XX/XX/XXXX from a address that is unknown to me. They told me to dispute the claim, file a police report and email them and they would have it removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am XXXX and this is fraud
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 145XX
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Closed XXXX account and dropped off equipment to the old XXXX store. Account was closed. XXXX later sent me a bill for non-returned equipment ( Old equipment prior to closing account ). I advised them when the contractor came out to set up a new wireless modem, that the service member stated he would return the old equipment for us and that we should not have to worry about anything. I explained this to XXXX once I received a bill and they agreed. A few months later I was placed on collections. I went into the store and called XXXX. both places stated they would resolve the issue and get it taken care of ( XXXX was the name of the manager I spoke to at the XXXX building ). The account was closed and removed from my credit report ( On consumer credit ). I went to go refinance my home and see the account is closed but states I still owe XXXX dollars. I should not have to pay for something I did not do wrong with from the start. And shouldn't be spending time attempting to resolve an error on the organizations time which in tern hinders my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 99205
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: You told them to stop contacting you, but they keep trying
Consumer Complaint: They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME. They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss. I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information. Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received notification form XXXX that a new collection was added to my report as of XX/XX/2018 from XXXX XXXX XXXX for over XXXX for XXXX XXXX. I have never had any services with XXXX XXXX. I was not sent any info in regards to this which gives me a chance to validate and dispute this debt which is against the law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$870.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A