Date Received: 2020-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been having this issue since XXXX of this year and have called the University Accounting Service about 15+ times to get my credit information correct. I am told one thing over the phone and my credit report never shows the fixed solutions I was told. I also filed an earlier compliant with the Consumer Financial Protection Bureau on XX/XX/XXXX and the credit report was fixed for one month and afterwards it went back to showing incorrect payment status and account status. On XX/XX/XXXX is when my credit report is supposed to show my only late payment with this account ; however, my credit reports are showing I am 120+ days late and my status being late and not current. I provided with the University Accounting Service my enrollment during school and they will put my account into deferment since I am in school and told me they will fix the incorrect information, provide to the credit bureaus up-to-date accurate information regarding my account status and late payments. None of this was fixed and I have open multiple disputes with XXXX to get my information fixed but they said they were given the correct information and sometimes, my XXXX XXXX XXXX XXXX account for XXXX wouldn't be updated for at least 2 months while XXXX and XXXX is updated monthly. I can provide all the documentations of disputing with my credit bureaus and I think it would be beneficial to also pull my call logs and conversation with every representative I have had with the University Accounting Service and it'll provide exactly what I am detailing and the understanding that they were providing wrong information to the credit bureaus. I am very frustrated and anger because my credit report has been incorrect and dropped me 100+ points for about 8 months now. I also recently had a conversation with University Accounting Service supervisor XXXX XXXX XXXX on, Friday, XX/XX/XXXX, because I requested for a supervisor, and she fully understood my concerns and said that this issue will be fixed and she will personally make sure of it and sent me a confirmation email advising they will update my information. However, XX/XX/XXXX, I receive a notification my credit information has been updated but updated again with the wrong information and my status of my loan not being current and my payment being 120+ days late. This has been going on for months now and I really need the Consumer Financial Protection Bureau to hold this company accountable for false information and not updating my information monthly and accurate to all credit bureaus. XXXX til this day says they haven't received any information from the XXXX XXXX XXXX XXXX on my loan and it's been since XXXX since it has last been updated. Also, the XXXX XXXX XXXX XXXX and University Accounting Service has all information provided to them that proves everything above and I also have correspondence between us that also proves my point. My credit reports should only be showing a late payment for XXXX XXXX XXXX and everything afterwards I have provided to the University Accounting Service that I was enrolled in school and should be current and in deferment.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has began to call me and they dont leave voicemails to state who they are or a return number. I dont answer unknown calls and it comes up on my cell phone as " spam risk ''. I found them by looking up the number online. They have called 13 times in the last 3 days. XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( sleeping ) XX/XX/XXXX - XXXX AGAIN ( sleeping )
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was paid off years ago. I was informed this would removed from My credit once paid in full however still remains on my credit report. This Negative account is affecting my credit.
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Issue is identity theft allowed by apartment, and fraud allowed by apartment and utility company. They have a business relationship and neither party has attempted to rectify the situation. Both parties knowingly allowed me to be charged electricity that i did not utilize even after proof was provided. If tenant had moved in with utilities set up, i would have never been charged. Apartment is lying, and utility company has allowed it. They could reimburse me and obtain the outstanding debt to the occupying tenant that it belongs to. Apartment has refused to send me their information. XX/XX/XXXX was the month i moved out of this apartment. I had to set up utilities with my lease term in the beginning, and I was not allowed to get keys until this had been done. When I moved out, the new tenant used my account to set up utilities. The utility company claims it is impossible for the same address to be on two account numbers, and this tenant used my account number knowingly and the apartment never verified their account was set up. This violates their move in policy with the apartment complex, and XXXX confirms this by stating the account was never set up in their name. I was ultimately charged on auto pay for several months, resulting in thousands of dollars until XX/XX/XXXX when I realized the {$500.00} bill being taken out. I called the utility company and apartment complex to try and resolve situation, and be reimbursed for the money. I was given no help on either side, and the utility company sent the following month of utility bills to collections without notifying me or calling about the debt. I had no idea until it reported to my credit report as a collection. Now, I have suffered thousands in damages and can not refinance my mortgage any longer. I tried disputing the charges with the credit bureau but because it is my name on the account, they say it belongs to me.
Company Response:
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX County Precinct XXXX incident includes both XXXX and XXXX XXXX # XXXX Collection was put on my account for a XXXX XXXX bill for {$620.00}. This was put on my credit account first XXXX by Transworld Systems without any validation of the credibility of this account. Although they have been notified this is fraud it has been reported since then to XXXX and XXXX, and possibly XXXX. My account has been frozen and I pay to have it monitored by them due to fraud by XXXX. I have never had a XXXX XXXX account. Last year I battled XXXX who started out saying I owed them about {$860.00} for XXXX which later became more than {$1300.00}. I fought them I believe until XXXX of last year 2019 to prevent that from going on my credit because I discovered it when I went to activate my XXXX watch and they claimed I had an unpaid bill. It was not my account and I was unaware of that account until then. I had about 14 years of cell service with XXXX and no late payments. I also had XXXX for about the same length of time at XXXX XXXX XXXX XXXX XXXX Texas XXXX where I have lived for about f9 years. I have never had a XXXX acct or a XXXX XXXX account., I have never had a XXXX XXXX account. These were both opened in my name according to XXXX who is the only server in this sleezy apartment complex in XXXX Texas where I have never lived. They opened the XXXX XXXX acct in the same time frame and at the same service address. TSI added the apt address to my account. I have never lived there and they had no right to report that as my address.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX.
Company Response:
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I rented the apartment XXXX XX/XX/XXXX, we move in on XX/XX/XXXX XXXX XXXX, told us the place was perfect for families, my wife is an XXXX XXXX so we ask XXXX about black mold and specially cigarettes she told us the complex was non smoking community, the first day the heater didn't work properly and dishwasher broke down, we sent a repair request and they came fast, was good we thought, then dishwasher broke again and again, the door at the laundry felt off, the first shower the bath tube peeled and have a very weird orange color, the neighbor have a lot of males visitor at least 10 men 's everyday all of them smoking and weird looking, cigarret smell was leaking inside, every night the upstairs neighbor use the washer and walk all night long, my wife complained and the manager in a very rude tone said she couldn't handle, my baby girl my wife and I gets a very bad upper XXXX XXXX cause one day we came back and some kind chemical smell was inside the apartment, they said was carpet cleaner now we know was poison for XXXX XXXX, my daughter have some kind of bites and have a very XXXX reaction, my wife clean all te apartment and found out XXXX XXXX were coming from the neighbor apartment we made pictures, now this people have a collection company trying to get almost XXXX $ after we have to abandon the apartment because my wife couldn't stand in that nasty place, we left our belongs because the manager said we brought the XXXX XXXX with us, tried to make us pay the exterminator and we suppose to wait for 15 days for them to come and kill the XXXX XXXX.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Step 1 : What is this complaint about? XXXX Step 2 : What type of problem are you having? REPORTING on my credit negatively destroying my credit. Step 3 : What happened? XXXX bill put in my name without my consent. Step 4 : What company is this complaint about? XXXX Transworld System collection agency Step 5 : Who are the people involved? XXXX and transworld system.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company continues to report balance owed however I sent a debt validation letter over 30 days ago and received no written notification back or a contract from the debt collector showing how I owe this bill. The amount of the debt is lowering however I am not making any payments on this account as I have no information about the account. I have disputed this account with the credit bureaus and it keeps coming back verified however no information has been provided on how this debt is actually valid and how does this debt belong to me.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A