Date Received: 2020-11-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I just received another bill from XXXX XXXX XXXX represented this time by Transworld Systems Inc. ( just change debt collection agency ) For the amount {$23000.00}. Account number XXXX ( SLMSA ) (, and account # XXXX ) this is my social security number.In addition they send my information including my Social Security #, in a plane envelope, while the the contents could be anywhere compromising my identity.Again, It has been 13 years this loan is from XXXX. California Statue of Limitations is 4 years. ( Cal.Civ.Pro.Code 312 te seq ). I file Bankruptcy in XXXX, and this account from XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report and I don't have any XXXX XXXX XXXX. This is now became harass, two different collection agencies send me bills.
Company Response:
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2020, I filed a complaint with CFPB against XXXX Consumer Reporting Agency and Transworld System , Inc. for reporting fraudulent and incorrect information after multiple dispute whereby XXXX did not correct and Transworld was aware that they did not own the account for which they were reporting. The response from both Transworld and XXXX was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with XXXX when no new negative activity had transpired. I reviewed my report tonight and noticed that Transworld still shows on the XXXX Report. When you show the three bureau report, you can see that TSI does not exist on XXXX or XXXX but it is showing on XXXX with balances. In addition, XXXX is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that XXXX is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because XXXX will not correct the program and Transworld is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH XXXX AND TRANSWORLD SYSTEM, INC.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Following up on Identity Thief and bank account being unlawfully withdrawn from in XXXX. My XXXX XXXX has had to be replaced 4 times since speaking with the Officer about suspicious activity on my accounts in XXXX. After more than a year of waiting for XXXX XXXX XXXX XXXX to comply with their contract. Ive contacted more than eight people inside XXXX XXXX XXXX XXXX and over 87 calls into TSI Transworld in the month of XXXX. starting with XXXX who locked the account and prevented me and witnesses from logging into my account for over 8 months. XXXX, XXXX XXXX ( Her supervisor ), Mr. XXXX, refused to follow up for more than " 40 '' weeks. XXXX the Vice President was made aware in XX/XX/XXXX. XXXX and XXXX lied on record multiple times and also on the phone conversation. In XXXX of XXXX, I was informed that the Dept of Treasury was moving ahead and garnishing my wages. Despite each of the above people not telling the truth on record and recorded on Transworld 's and Exchanges phone system. XXXX XXXX was also recorded threatening me to take " ALL my money '' " AS this is an ATTEMPT to COLLECT A DEBT '' as well as a {$10000.00} fine? which would be enforced by whom when I was a paying customer? So ruined my credit, stealing my identity, raising my interest rates on car loans and repairs, raising my rent, and preventing me from repairing or making payments on the vehicle I did have. This resulted in my having to surrender my vehicle in XX/XX/XXXX because of the Exchange and Transworld. Willingly locking my account, and refusing to work with my Credit Repair Company. XXXX threatened at the end of the call to take " ALL of the Treasury ' check. after I received numerous letters from the Dept of Treasury. -None of whoever returns calls and it doesnt go very far as much as just looking to see at all the XXXX reviews that are negative. But then after talking with two of my neighbors here locally. And a third at the pool who are all XXXX XXXX. When I tell them what the exchange is doing to me they tell them the same thing is happening to them and their family as well. It seems that the XXXX has a culture of not telling the truth and lying from the bottom to the top and that includes their subcontractors like TSI decide whom they hire out. Na what contracts they honor while stealing my information. Threatening to have my XXXX garnish, asking for 5 copies of my signature and medical insurance account information. CFPB wouldnt be receiving emails if each of you had done your jobs, to begin with, and that includes protecting my Danity and seeing if any threats are credible or not or worth investigating and if they are youre supposed to pursue them with a full extent of the law that includes military XXXX XXXX security forces XXXX whatever your names are called. The Lack of attention to detail by each of the Exchange and Transworld staff not following up dereliction of duty. XXXX XXXX XXXX XXXX XXXX and XXXX are both a national disgrace. They flatly rip off XXXX veterans like myself. Then they tell you that you are on a " pay what you can '' while they sneak around and take the paycheck used to pay for my medical expenses as well. Someone there at both companies needs to go to jail for felony wiretap fraud aside from losing their jobs. Each employee also bragged about how they couldn't be fired. worth noting. I have sent this message out to every XXXX XXXX org as well as media outlets nation wide and in XXXX and XXXX. BUYER AND VENDOR BEWARE.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Direct energy has placed a charge off on my consumer report. Years ago I disputed this item, they couldnt prove the validity of the debt it was then deleted from all three bureaus. Now another collection agency placed this account on my credit, I did not receive any information prior to this erroneous information being placed on my consumer report. I have never had an account with direct energy, I have asked in the past for them to send written proof and Im making a formal complaint against : Transworld Systems, XXXX, XXXX XXXX and XXXX.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Office of the President CC : Nationwide Credit INC XXXX. XXXX XXXX XXXX, DE XXXX CC : XXXX XXXX AFFADAVIT OF TRUTH Dear Executive Office, Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts, Nationwide Credit Inc & XXXX XXXX the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of this alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the debt collector Nationwide Credit Inc & XXXX XXXX reporting this alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law. 15 USC 1692A 803 Definitions ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 15 U.S Code 1692g Validation of Debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. Banks are debt collectors. Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3rd party organizations such as XXXX, XXXX, and XXXX without my written consent. 15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) BUREAU. The term Bureau means the Bureau of Consumer Financial Protection. ( c ) The term Board refers to the Board of Governors of the Federal Reserve System. ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. A national bank has no power to lend its credit to any person or corporation. ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. National Bank of Commerce v. Atkinson, 55 E 471. Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted Transunion, Equifax, and Experian in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully. Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information. Toby D. NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORP., Defendant-Appellee. Philbin v. Trans Union Corp., 101 F.3d 957, 962 ( 3d Cir.1996 ) ( quoting 15 U.S.C. 1681 ( b ) and Guimond v. Trans Union Credit Information Co., 45 F.3d 1329, 1333 ( 9th Cir.1995 ) ) ( citations omitted ). Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. 1 Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. The alleged debt owed that the debt collector Nationwide Credit & XXXX XXXX is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law. 15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Pursuant to Federal Law 15 USC 1692 C, the debt collector Nationwide Credit & XXXX XXXX must cease collection, and communication of in reference to the alleged debt owed that I am refusing to pay. This inaccurate collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. Nationwide Credit & XXXX XXXX has violated my rights pursuant to Federal Law by communicating with a third party about an alleged debt owed. 15 USC 1692 Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) 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 a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 USC 1692b 804. Acquisition of location information Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person 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 ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector Pursuant to 15 USC 1692E ( 11 ) Nationwide Credit & XXXX XXXX initial communication with a consumer must be disclosed that they are a debt collector and there is an attempt to collect a debt. I the consumer have not received disclosure written or oral stating that Nationwide Credit & XXXX XXXX had the intent to collect a debt or that they are debt collectors. This is a willful violation of FEDERAL LAW and my rights as a consumer. This alleged debt is now null and void. A debt collector may not use any false, deceptive or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 15 USC 1692E False or Misleading Representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Pursuant to 15 USC 1692E ( 3 ) Any communication from an attorney on behalf of Nationwide Credit & Terminix International is a violation of FEDERAL LAW. The letter sent to me from XXXX XXXX is signed by a legal assistant. As a consumer this is willful violation of my rights pursuant to FEDERAL LAW. 15 USC 1692E ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full. 15 U.S. Code 1692g - Validation of debts ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. 15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation. I certify under penalty of perjury that the foregoing is true and correct. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Account servicer University Accounting Service XXXX XXXX # XXXX XXXX reported that I had a past due loan amount. I have been paying on autopay for the past year, paying {$50.00} extra per month. There was not, and has never been, a past due amount in the amount stated. Calling the company, ( a ) I was hung up on twice, ( b ) I waited on hold for more than 30 minutes, and ( c ) when I finally reached someone, I was told to " simply disregard '' the past due amount on the most recent statement. My concern is that this servicer 's error has affected many more borrowers than myself. It is unethical ( and potentially illegal ) to report that borrowers are PAST DUE on their accounts. It is inconceivable that I would be past due when my payments were posted and I had been paying extra for many months, even a cursory glance at my account would have shown no past due amount. Similarly, the servicer reported that my last payment was {$10.00}, when in fact it was {$160.00}. To the best of my knowledge, no payment for {$10.00} was ever made. I am yet to receive confirmation in writing that I have no past due amount, and I would like a regulator to look into this company 's practices.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX XXXX, I was a victim of identity theft, where my information was used to open or try to open multiple energy accounts with various companies across the State of Texas. XXXX XXXX allowed someone to open 2 accounts in my name with one account accruing {$700.00} in charges and the other accruing {$690.00}. When the accounts were not paid they were sent to Transworld Systems Inc, which reported them to the various credit agencies. On XX/XX/XXXX, was when I was informed of the collections through XXXX. I contacted Transworld Systems Inc and informed them that this was identity theft and that I had previously filed a police report and FTC report regarding my information being used to open energy accounts in Texas. Transworld Systems Inc informed me to submit the reports, along with any other information to them regarding identity theft. I submitted all documents to Transworld Systems Inc on XX/XX/XXXX, along with copies being certified mailed to them. I contacted Transworld Systems Inc the following week to inquire about the accounts and solutions and their response was that their hands are tied until XXXX XXXX can look into the matter. I explained to them that they keep reporting these collections weekly to the credit agencies causing my credit score to keep going down. At the end of XXXX, my credit score was XXXX and now my credit score is XXXX and continues to fall due to weekly reporting of this collection.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX DEPT OF ED/XXXX ACCOUNT # XXXX US DEPT OF ED/XXXX/XXXX ACCOUNT # XXXX UD DEPT ED ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX TRANSWORLD SYSTEM INC ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX,
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2300.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello. Transworld System Inc ( TSI ) has reported collection on my account several times to the 3 credit bureaus. I submitted a copy of the police report I filed to show I was a victim of ID theft, and I also submitted my utility bills ( as requested by TSI ) to show proof that I've only lived in XXXX XXXX, whereas the utility bills that are in collection are for someone who lived in Texas. I sent one correspondence on XX/XX/XXXX, and another correspondence on XX/XX/XXXX. They have not responded to me, and when I call the number that shows up on my credit report ( XXXX ), it says their mailbox is full and can't receive any more messages. I don't know how else to get these guys to stop harassing me with continuously reporting fraudulent accounts to credit agencies. They have been made aware that I was a victim of ID theft in XXXX, but they are constantly harassing me with new claims. How do I get them to back off permanently? Thank you so much for all your help.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A