Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX sent me a letter that I owe them XXXX I have never had them and to assume that it is mine is illegal without verification
Company Response:
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've sent letters disputing the account listed below over 3 times. I have asked for validation showing that the account belongs to me. I have only received emails stated that the account is accurate but no proof is being showed to me at all. The time the account was created I was XXXX and XXXX at another duty station. There is no way the account belongs to me due to I already have 1 light company in my name and I haven't stayed at the address the account is linked to in over 7 years. I have sent in my military orders, and other document showing the credit bureaus that this isn't my account. And if you have proof that its mines please show me.
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XX/XX/XXXX provided the service of labs that were over priced. I did not know the cost of the labs before they were done, and in XX/XX/XXXX I wrote as requested, and they keep sending me notices. Below is my correspondence : We do not want XXXX or anybody else to contact us on this bill anymore. We did call as stated below We called XXXX wanting to pay A reasonable amount at 100 % of Medicares allowable for the lab procedure at {$23.00} but the operator said they can make no adjustments When we received the request to have a lab procedure we were not presented with the {$93.00} charge so we are overwhelmed by the amount and so we researched and found that this type of surprise billing is something thats not supposed to happen. So we researched and we would like to pay As stated above {$23.00}. But the operator said they can make no adjustments
Company Response:
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On multiple occasions I have received phone calls and emails with XXXX XXXX private information. Including name address, and balances owed and banking information. I have requested multiple times to stop calling and emailing me as I am obviously not her but they argue and refuse. They even refused to remove my email address because I dont know XXXX a full account information. I have been told just to pay it and theyll stop This violates so many privacy laws. And is harassment to someone who never used or had an account with them.
Company Response:
State: UT
Zip: 84118
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX is charging me XXXX of which I have already paid XXXX. I am asking for an arrangement because I have lost my job and they send me a letter that my debt is now XXXX. I think it is not fair and I should seek help to solve this problem.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I moved out of a property that I rented in XX/XX/2019. My security deposit of {$720.00} was never returned to me. Transworld System Inc. reports my name to the credit bureau for an amount of {$550.00}. I do not owe this amount. I sent a certified letter to Transworld System inc stating that I do not owe this debt. Transworld failed to remove my name from the credit bureau.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this debt and I have formally requested validation and they refuse to comply with the law. They responded saying that they sent me information on XX/XX/21 and again that is not validation of debt. I want this account closed, because I have not agreed to do business with them under any circumstance. I have not signed a contract with Transworld Systems Inc or XXXX XXXX XXXX XXXX.
Company Response:
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted Transworld Systems in XXXX of XXXX when I received an alert about a derogatory debt being placed on my three credit bureaus. I immediately contacted the debt collection agency Transworld Systems and advise them that I was disputing the debt. I sent written correspondence via fax requesting proof of the debt with TransWorld systems because I have never entered into any contractual agreement with them nor had I given consent for any of my personal information to be shared with a third party or even sold to a third party. Your office actually filed suit against this company for the same unfair tactics that I am experiencing on the behalf of other consumers. On XX/XX/2023 I filed a formal complaint with your office after noticing that the derogatory misinformation placed on my credit bureaus had not been removed causing me to be declined for credit card increases and an auto loan. At that time I provided court documents proving that I did not owe an outstanding debt to the aforementioned property. It has been over 45 days and the federal law states that they have 30 days from the date of notification to either validate the debt or to remove it. I have documentation from the court clerk as well stating that there was not a lawsuit filed in their Court for relief. The management company is fully aware that the judgment entrance was for no relief and that there were no money to be collected on behalf of XXXX XXXX XXXX managed by XXXX Property Management. This was a malicious attack to damage my credit and it was done by the property manager XXXX XXXX. I'm requesting XXXX relief to be made whole for the month that this derogatory information remained on my credit bureau after proof was submitted on multiple occasions. Deletions are submitted electronically and only take moments to complete. There is no excuse whatsoever for this derogatory misinformation to continue to remain on my credit bureau without sufficient evidence to justify the reporting. I want it removed and I'm seeking damages to be made whole.
Company Response:
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX uses XXXX to manage student accounts. They reported me delinquent for many months in a row in error. XXXX said they cant retroactively change my report even though i provided them with a letter from the finance director at XXXX stating that the loan should have been in forbearance
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A