Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. ( XXXX ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( XXXX ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( XXXX ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC XXXX C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me. I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise. 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
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: I am writing to file a complaint against XXXX XXXX XXXX XXXX for pursuing collection activities without a permissible purpose as outlined in the Fair Credit Reporting Act. Specifically, I believe that your agency has violated my rights by attempting to collect a debt that is not mine and by continuing to contact me despite my requests for verification of the debt. As you are aware, under the Fair Credit Reporting Act, collection agencies are only permitted to pursue debt collection activities if they have a permissible purpose, which includes situations where the debt is owed by the consumer or where the consumer has given their explicit permission for the agency to pursue collection. However, in my case, I have repeatedly informed your agency that I do not owe the debt in question and have requested that you provide me with verification of the debt. Despite my requests, your agency has continued to contact me in an attempt to collect the debt, which is both harassing and a violation of my rights under the Fair Credit Reporting Act. Furthermore, I believe that your agency has also failed to provide me with the required disclosures about my rights under the law, including the right to dispute the debt and the right to request validation of the debt. In light of these violations, I am requesting that your agency immediately cease all collection activities related to the alleged debt and that you provide me with written confirmation that you have done so. I also request that you provide me with verification of the debt in question, including information about the original creditor, the amount owed, and any other relevant details. If your agency fails to comply with these requests, I will be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act. I trust that you will take prompt and appropriate action to resolve this matter and ensure that your agency complies with all applicable laws and regulations.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I feel I have been a victim of several data breaches resulting in possible identity theft The latest being XXXX XXXX XXXX The item I have identified and highlighted on my credit report or not are in error Do not relate to any account or transactions that I have made or have applied for several inquiries have occurred as well All have which have hurt my credit score I value Please block remove update or delete this information pursuant to section 605 B and 15 code section 1681 once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion to be determined
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I contacted the company and asked for proof they could collect on the debt after it being written off by the original company and proof the debt belonged to myself with signature proof, license, etc. proof that I was binded and obligated to pay the company that purchased the debt. They only provided an account summary which provided none of the information which I asked for and they continue to call my phone repeatedly and send emails when Ive asked them for contact via mail only.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX shared/sold my information to Resurgent.com and now this company have been violating and harassing me and also destroying my financial ability to obtain fair credit use. I ask this company to send me proper documentation with my signature consent so they can have my name and share it which neither company has done. They both have violated my privacy and shared my information to XXXX, XXXX and other sis h financial institutions that I have not consented to.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account is listed as open with a past due balance of XXXX and in collections, This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
Company Response:
State: AL
Zip: 36701
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have experienced difficulties with a specific debt collector Resurgent Capital Services L.P. concerning the collection of a debt allegedly owed by me. I firmly believe that the practices employed by this debt collector are questionable and possibly in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. Outlined below are the specific concerns I have encountered during the debt collection process : Harassment and abusive communication : The debt collector has engaged in relentless and persistent communication, including frequent phone calls, despite my request for communication to be conducted in writing. The nature of these calls has been harassing and intimidating, often involving threats and abusive language. Lack of validation of debt : Despite my repeated requests for documentation validating the debt and proving their authority to collect, the debt collector has failed to provide adequate verification. I am concerned about the accuracy and legitimacy of the debt in question. Unfair and deceptive practices : The debt collector has resorted to misleading and deceptive tactics in an attempt to collect the debt. This includes making false statements, misrepresenting the consequences of non-payment, and failing to disclose pertinent information, such as the debt 's origin or applicable statute of limitations. Violation of consumer rights : The debt collector has neglected to adhere to the provisions of the FDCPA, such as failing to provide required notices or refusing to cease communication upon request. These actions have infringed upon my rights as a consumer and caused undue distress. I have diligently attempted to address these concerns with the debt collector directly, but their behavior persists. Given the gravity of the situation, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify these violations. I believe it is crucial to hold debt collectors accountable for their actions and ensure that consumers are treated fairly and with respect. Enclosed with this letter, you will find copies of all relevant correspondence and documentation, including communication logs and any written requests I have made to the debt collector. I hope that this information will aid in your investigation and provide a comprehensive understanding of the situation. I appreciate your attention to this matter and anticipate a swift and thorough response. Please keep me informed of any developments or actions taken in response to my complaint. Thank you for your dedication to consumer protection and for your commitment to upholding fair debt collection practices.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I checked my credit report to find several debts that I never even heard of. Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them and asked for proof of how they came to have this alleged debt. what they sent me was nothing I asked for to properly verify this alleged debt. After my own research, I am fully under the impression they are a scam company after reading reviews from ex-employees on XXXX and other victims of this company. I would also like to make a point that after sending these letters to the company and demanding they send me real and legitimate proof, I have also been receiving calls from " XXXX XXXX XXXX '' saying I signed up for them, also a lie. I speculate that since they couldn't scam me into paying for a debt that was not mine they started using a third-party company to further harass me.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A