Date Received: 2021-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Company Response:
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail today XX/XX/XXXX from a collection agency stating that a letter was sent to my address 30 days ago and it is stating I owe money to XXXX, I do not owe the company any money or any item I have never received the company is more than aware of the matter, they have been communicated with since last year of XXXX and is requesting for money owed and my bank has already given my money back from XXXX almost a year ago. Please stop sending threatening letters and tactics from the collection agency that you all are sending false information stating I owe for an item you all are more than aware that I did not receive.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I recently disputed this. I return the instrument back XXXX XXXX XXXX. Here is the recite paid in full
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. TSI/XXXX XXXX, $ XXXX-XX/XX/2021, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/2021, 3. XXXX XXXX $ XXXX-XX/XX/2021. I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX , XXXX , and XXXX collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. For Example on XXXX Credit Borough I have clicked DISPUTE button and its brought me to : hXXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 1. The reason is it has to be removed from XXXX, XXXX and XXXX that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 2. XXXX, XXXX and XXXX must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, Unit # 2 Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 XXXX located at XXXX XXXX XXXX , XXXX XXXX, PA XXXX, who is a A third party debt collection agency REMOVED the collections account ( Acct # XXXX ) on my XXXX, XXXX and XXXX report after I disputed via certified mail and asked for debt validation. I asked them to send the agreement they alleged have with the original creditor that duly authorizes them to collect on behalf of my alleged debt. I asked them to send the agreement reflecting my signature that confirms my acceptance of the obligation. and I asked them to send the complete payment history on the account. They DID NONE of these things. -WHICH IS WHY IT WAS DELETED ONCE ALREADY. ( documents are attached to this complaint ) The response was removed because they COULD not validate my debt nor could they provide proper documentation that supported their allegations. I got a notification that my credit score dropped 4 points due to a new collection account. Well, XXXX/XXXX decided to report this account AGAIN. This has caused so much damage to my credit report after I properly went about disputing the information and they failed to provided proper information in return. Lets not forget that they have been in violation of many of my consumer rights that are backed by laws and continue to do so, by " choosing '' to furnish inaccurate collection account information on my consumer report that I did not give permission to report pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ). They may not know but I am well aware that a consumer as the right to privacy and can ELECT to have his/ her name, address, and any other information excluded from a consumer report : 15 usc 1681 ( c ) ( 1b ) ( iii ). Secondly, I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and have simply been in violation of my consumer rights pursuant to FDCPA, and 15 usc 1692 ( a ), 15 usc 1681 ( a ) ( 1 ).
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I believe XXXX XXXX XXXX billing department better known as University Accounting Agency, attempted to report Double Jeopardy Tradelines and a bogus claim to the Credit Bureau, namely XXXX, on my credit report. I have disputed the information reported from XXXX XXXX several times and still the matter has not been updated or resolved. *XXXX reported 150 days late in XX/XX/XXXX. However there is no 30, 60, or 120 days late reporting prior to the XX/XX/XXXX. *XXXX proceeded to report a 180 day late and then a Charge Off on the account in XX/XX/XXXX. *XXXX continued to report a Charge Off in XXXX and XXXX of XXXX. *However, all of a sudden, XXXX begins to report OK on my credit report from XXXX XXXX XXXX *Then in XX/XX/XXXX XXXX reported 180 days late on my report through XX/XX/XXXX. *XXXX then turns around and report OK on my credit report XXXX & XX/XX/XXXX *Lastly, in XX/XX/XXXX AGAIN reported 180 days late. I would like XXXX bogus and misleading practices investigated. I am requesting that XXXX XXXX either delete the account from my Credit Report ( s ) or delete the fraudulent reporting after XX/XX/XXXX because the account had been Charged Off XXXX and should not have continued with it's to untrue reporting.
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was satisfied.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have called on numerous occasions to tell them that they are calling a wrong number. I do not owe any money and I do not know the people they are calling about. They say the will take my number off the list and will not call again. Then all day everyday starting at XXXX they call over and over. Say to call XXXX XXXX at XXXX
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TRANSWORLD XXXX XXXX XX/XX/XXXX {$1800.00}. DONT OWE ANYTHING TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING. TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING. TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING. TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$500.00}. DONT OWE ANYTHING. TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$480.00}. DONT OWE ANYTHING. TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$450.00}. DONT OWE ANYTHING. TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$71.00}. DONT OWE ANYTHING.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A