Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have contacted XXXX on numerous occasions asking that the collection for XXXX for the amount of {$2100.00} be removed due to the fact that XXXX XXXX and XXXX no longer state I owe this amount.
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After seeing a collection report to my credit file I hurried and called this company, never got anything in the mail, I was told I owe and if I took care of it, they would remove it. I took care of it and it is still reporting. I don't know if it's just the credit bureaus just not doing there job. Please help
Company Response:
State: MO
Zip: 644XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX showing a balance still owed and this account has been settled. XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX XXXX XXXX shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. ERC shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
Company Response:
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX is trying to collect money on a fraudulent account and saying I opened an account with them on XX/XX/ 2020, when in fact i had XXXX as my phone provider in 2020. This account is fraudulent, please remove it from my account.
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed a company on my consumer report that is not mine. I sent a letter to the company and they refused to respond. I am demanding verification and validation of this alleged debt. Please take notice this is my notice that I dispute such debt. This is a violation of my rights as a federally protected consumer. PLEASE REMOVE AND CEASE COLLECTION ATTEMPTS IMMEDIATELY!
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 u.s.c 1681 section 602 A : states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give this company consent to disclose my personal information to the credit bureaus & that is against the law. On the other hand its still a RED FLAG because those amounts should already be paid in full by the credit bureau to the company upon retrieving.
Company Response:
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Accounts : Creditor XXXX XXXX opened on XXXX XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount XXXX Creditor : XXXX XXXX opened on XX/XX/XXXX Amount XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account does not belong to me nor do I have any acknowledgment of this account ever being opened. I was able to dispute it and get it removed from XXXX but cant seem to have it removed from XXXX. I will below take a screen shot of the dispute and removed account from XXXX.
Company Response:
State: TX
Zip: 78577
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A