Datasets:

kartikay

/

review-summarizer

like 2

Disclosure verification of debt

G.E Capital Care sold the account according to them to Synchrony Bank in XXXX FL., which lists XXXX numbers XXXX or XXXX when I called they said the account had doubled from XXXX to XXXX dollars, and suggested that I contact another offsite agency that handled charge offs. I told them I was going to come to you and they said submit a letter in writing and mail to XXXX FL, attn. '' Dispute Department.

False statements or representation

I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit.

Communication tactics

NCB MANAGEMENT SERVICES , INC . XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : XXXX XXXX Contacts my work cell phone continuously for a debt collection that I am not the consumer I am the consumers daughter they continuously harasses me even after verbal requests not to contact me and a written letter was sent with the Consumer Protection Act was quoted and sent XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX

Credit reporting company's investigation

I have no bills or billings from XXXX XXXX Card. I have applied 3 times for my card back after being with them 9 years.i filed Bankruptcy which was XXXX divorce action in Federal Court. i was stuck with all billings. XXXX XXXX directly upon calling all they could say is YOU filed Bankruptcy. I never filed on them and they never got an inclusion letter to be in federal court. Their action on me through Equifax has devesated my credit and personal actions as a respective citizen. Equifax is say i have a derogatory report and owe XXXX XXXX money. I owe XXXX XXXX NOTHING i paid their amounts with my Debit card and proof from XXXX XXXX and XXXX bought got paid when they contacted me. I paid late charge on both. XXXX XXXX {$49.00}, XXXX {$8.00} and XXXX XXXX {$56.00} ... This is {$100.00} and XXXX was to be challeged disputed But XXXX XXXX refused service that day when they canceled me. I never recieved any merchandized even to this day. All information on Equifax is corrupt and highly disputable in Federal Law.

Cont'd attempts collect debt not owed

I gave 30 day notice to move out of an apartment in XXXX XXXX. The month to month rate was {$740.00} for the month of XXXX I gave them the difference of my rent minus security deposit of {$390.00}. On or around XXXX XXXX received letter that partial payments were not accepted and the security deposit could not be used toward last month 's rent. On or around XXXX XXXX received a letter stating that I needed to pay my rent including late fees and attorney fees in 7 days or vacant the property. I moved out on the XXXX day and stop payment on the check for the partial payment. My security deposit covered the rent for the 15 days I was there. Months later in XXXX I received a debt collection for the amount of the partial payment, stop payment fee, and late fee and attorney fee totaling {$570.00}. I told the debt collector that I would pay the {$340.00} that would cover the full months ' rent ; however that offer was declined.

Cont'd attempts collect debt not owed

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Carvant Financial LLC '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Incorrect information on credit report

HireRight gave inconclusive credit findings to a Company called XXXX and company. I was scheduled to start work for XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015 I was extended an offer for employment with them. I accepted and received paperwork from HireRight. I received a credit report from XXXX saying that my public records were sent to XXXX, but the address on the report was that of HireRight 's. The credit report had XXXX items that should have be on the report. XXXX showing that of a paid Indiana Tax lie and the other showing a false judgement against me from a check cashing company. There was XXXX also for Indiana state that I did owe and was paid on XXXX/XXXX/2015. HireRight showed these as flags on my credit to XXXX. HireRight did not investigate these thoroughly. As a result XXXX called me on friday XXXX/XXXX/2015 saying not to go in on XXXX/XXXX/2015 and I would start on XXXX/XXXX/2015 and they wanted to discuss HireRight 's flag that they showed. On Monday at the end of business day I got a call from XXXX and the HR rep had pulled my personal credit report and really didnt talk much about my public records. We talked about my personal credit. On Tuesday I received an email from the HR rep saying she and the hiring manger would be talking again on what their thoughts were. Finally, after seeing that I was getting strung along. I reached out in the after hours expressing that maybe it would be best that I pursue other opportunities and that I could see that XXXX was stringing me along. HireRight reported information costing me a job. As a result of this I am now unemployed with bills vastly approaching. I have no way of recoup my losses. I 'm also getting all types of soliciting calls and emails for companies saying things about loans and pay day loans. I didnt receive anything like this until I gave my information to hireright.

Communication tactics

This is a company out of Kansas that is calling my employer with a local number. They have been asked numerous times not to call me and work however they refuse to stop. I received a call today from XXXX XXXX who I asked not to call me at work and released the call.

Incorrect information on credit report

EXPERIAN IS REPORTING A COLLECTION ACCOUNT FROM XXXX XXXX. THAT WAS DISCHARGED AND INCLUDED IN CHAPTER XXXX BANKRUPTCY. THEY HAVE INSERTED THIS ACCOUNT AS A NEW COLLECTION, HOWEVER, IT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY.

Dealing with my lender or servicer

My son has a private student loan that originated from XXXX XXXX XXXX and was serviced by American Education Services. I was the co-signer on the loan. I filed for XXXX XXXX bankruptcy in XXXX XXXX. All of my son 's student loans was in in-school deferment. AES allowed his loans to be in deferment for a short period of time at which time he had to pay the monthly installments. In XXXX XXXX my son 's started experiencing difficulty paying his loan. He sent payment of {$200.00} to AES for XXXX and requested assistance in lowing his payments. In the meantime AES was calling and emailing me several times during the time about him being 30 days late. He contacted them in XXXX XXXX asking that they discontinue contacting me because I was in bankruptcy and again requested assistance in a payment program he would manage. AES asked that they get a copy of my Letter to Creditor on the bankruptcy. When my son forward it to them on XXXX XXXX, XXXX about 3 weeks later, saw that his loan was first in deferment and when he reviewed the account in XXXX XXXX saw that it was listed as " defaulted ''. He sent an email to AES advising that he was not in default and requested several times for assistance. However, the only reply he received was an auto email message advising that they received his communication. No communication was sent to him advising as to why they placed his loans in default, no communication on who he could contact to resolve the issue. It was not until my bankruptcy was discharged in XXXX, that we XXXX received collection letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that loans was in default and asking for full payment. The letter from collection agency reference that the loans was in default as of XXXX XXXX, XXXX ; which is not correct since my son made a payment on XXXX/XXXX/XXXX and was in active communication with AES up to XXXX XXXX. His account with AES was lock and gave him nor I any ability to pay on the loans. All of the other private loans thru XXXX XXXX and XXXX was placed on forbearance until my bankruptcy was discharged. We are now paying on those loans monthly. AES was the only one that decided to just put the loans on default without advising of any option to resolve or to pay on the loans. We had no one to communicate to. These loans were for undergraduate degree my son obtain from XXXX XXXX University in XXXX, Georgia.

Cont'd attempts collect debt not owed

There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.

Cont'd attempts collect debt not owed

The debt, Belk account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than one occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. One was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.

Unable to get credit report/credit score

No person on the phone would help me resolve this issue. I called XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I tried to get my free credit report from Transunion at XXXX.com because I had identity theft. Transunion sent an online message saying I had already received my free credit report, but this is not true the person at the XXXX phone number confirmed this. I had only ordered from XXXX last year. So I was forced to pay {$18.00} for XXXX days on XXXX/XXXX/2015 which should be free for XXXX days. They will not refund that money

Incorrect information on credit report

I paid off my debt 100 % almost a year ago, yet the same account that I paid off in full, remains on my credit report. I have called the debtor & spoke with several different representatives regarding this matter/situation. I have been working on clearing/paying off all of my debts. This is the only XXXX that has been left on my report even though it has been paid in full. The debtor, XXXX XXXX XXXX, WI, seem to not know why it remains on my report or even how to have it removed. I have asked them several times to report that it has been paid in full, but it 's not working for whatever reason. but, they did send me a confirmation letter stating that the account has been paid in full & that there is a 0 balance. How do I go about clearing this up, free of charge, as quickly as possible?

Dealing with my lender or servicer

XXXX XXXX and XXXX had XXXX loans with XXXX XXXX, when they split into the Navient they screw up my payments, would send XXXX to Navient and XXXX to XXXX XXXX, per the addresses they provide me. Well all the payments I sent to Navient were getting credited to the XXXX XXXX XXXX account. I called them and they said I had to send them proof that I sent the money, and to up-load the cancelled checks. Went online to upload documents as they told me to, but there are no options to upload the docs on their website. Called again, had to explain the story XXXX or XXXX more times to different reps. They kept on passing the buck around to different reps. Finally a rep told me there was no place to upload docs as the other reps told me to do ... ... Straight up lies. Finally talked to a rep, who told me to send separate payments to different account numbers, XXXX to Navient and XXXX to XXXX XXXX. These companies should be shut down. Customer service is on par to XXXX. XXXX different companies under XXXX umbrella.

Improper contact or sharing of info

They have been calling me XXXX times a day, XXXX every hour on the hour from XXXX to XXXX. Sending mail to my house, looked up my mother, brother and father on public record and called them about my loan, call from a blocked number and have lied about it. Lied to my brother saying I listed him as a reference ( I did not ). Then when I asked how they got the information, they told me they looked it up on public record. I told them it was XXXX, they told me it was not. I have emailed them saying it 's XXXX, yet they continue to call.

Credit reporting company's investigation

Equifax refuses to help during fraudulent issues that do not belong to me. The expect me to do the work when it is their job to follow federal guidelines!

Incorrect information on credit report

All the credit agencies reported a disputed phone bill with XXXX XXXX XXXX as current even though it was from 1998. This caused my credit score to fall from XXXX to XXXX and prevented me from leasing a car at a price I could afford. The collection agency for XXXX XXXX XXXX called XXXX did this to force me to pay this old bill that was a billing error. They should not be allowed to falsify information and the credit reporting agencies should be responsible for making sure information is correct.

Communication tactics

I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.

Disclosure verification of debt

On XXXX XXXX XXXX, Convergent Outsourcing Inc, reported a debt on my credit reports without contacting me nor giving me the rights to dispute this debt that was reported in my credit reports for 7 years by another company and was removed since the statute of limitations to collect had expired. I have proof of the collection which reported on my credit report from XX/XX/XXXX to XX/XX/XXXX. The statute of limitations in my state is 7 years to collect a debt.

Communication tactics

I went to the shop called XXXX on XXXX XXXX to get my car fixed, it was on XX/XX/2015.The owner put me on a plan called flexpay plus, after taking me {$200.00} cash only, no receipt was given, for me it was red light.then the rest was supposed to be pay within 90 days or by refinance with high interest,XXXX weeks after i scheduled to pay off the loan within 90 days, they called me and said that they made mistake on the amount that i own them that it should be higher, i said ok, then i have chosen to pay them one time payment in my convenience day but before 90days expired, they did not like it and they start those abuses listed at the bottom 1-They call me all the time. 2-when they call me and i pick up the phone, there is nobody to talk with me, i listen the music and the voice of lady talking until it tell me press 1 to leave a message and we will call you back 3-they harass me all the time 4-their practices are just illegal Starting i thought i was dealing with XXXX then i found myself dealing with montereyfinancial only few days after signing the contract with XXXX

Credit reporting company's investigation

XX/XX/XXXX, while discussing an unrelated business mater with a current lender, I was made aware that an account, I did not authorize or initiate, had me listed as a cosigner. I immediately notified the lender that I was a victim of identity fraud and requested to see the information they had on file. In turn, I checked my credit reports, confirmed the presence of the fraudulent account, and contacted each of the XXXX XXXX XXXX XXXX credit reporting companies and disputed the information. At varying dates XX/XX/XXXX, each of the credit reporting companies ( CRCs ) reported that the account was confirmed by the lender. To date, the fraudulent information remains on my credit file and [ neither ] CRC has ever notated my credit profile about the account being disputed. After [ several ] additional telephonic requests to the lender between XX/XX/XXXX to XX/XX/XXXX, the lender mailed me a copy of the loan origination documents along with its internal ID theft package. I immediately filed a law enforcement report ( LER ) with my local Sheriff XXXX Office and returned the original package and supporting documentation to the lender XX/XX/XXXX. The supporting documentation included a copy of the lender 's loan origination document, my LER, drivers license, social security card, and hand writing samples. XX/XX/XXXX, I was notified by a potential employer that I was deemed unsuitable due the presence of delinquent financial information on my credit report. In that same notification, I was provided a copy of my combined credit report which still contained the fraudulent account on each of the CRC 's reports. I began researching laws and learned about the FCRA and the FTC. After learning that the combination of an LER and FTC Identity Theft Affidavit ( ITA ) produce an Identity Theft Report ( IDR ), I filed an ITA on the FTC 's website. In turn, I sent [ via certified mail ] FTC 's CRC-template letters and supporting documentation to each of the XXXX credit reporting companies requesting that the fraudulent account be blocked, removed, and that a extended fraud alert be placed on my credit file as per the FCRA. The supporting documentation for each submission of FTC 's CRC-template letter included a copy of the lender 's loan origination document ; my credit report, drivers license, social security card, and hand writing samples ; as well as FCRA Section 611. According to USPS tracking, the CRCs received their certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX [ XXXX ], respectively. To date, each CRC has placed an extended fraud alert but has [ not ] blocked the fraudulent account information from my respective credit profile [ or ] contacted me declining my request to block the fraudulent information. In fact, XXXX CRC will not allow me to order a credit report directly and advised ( via telephone ) that my IDR was not sufficient but would not provide its justification method in making that determination. Subsequently, and, respectively, I have ordered additional credit reports which indicate each CRC 's non-compliance the FCRA 's imposed time limits. To their credit, XXXX CRCs have listed the fraudulent account as disputed/under investigation. Additionally, I sent [ for the second time, via certified mail ] FTC 's lender-template letter and supporting documentation to the lender requesting that the lender block, absolve me of responsibility, and stop inaccurately furnishing the fraudulent account information to the CRCs. The supporting documentation to my submission of FTC 's lender-template letter included a copy of the lender 's loan origination document and ID Theft Affidavit ; my IDR, credit report, drivers license, social security card, and hand writing samples ; as well as FTC 's Notice to Furnishers ) According to USPS tracking, the lender received its certified letter on XXXX/XXXX/XXXX. To date, the lender has not made any contact with me. RE : FTC ITA # XXXX

Communication tactics

Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.

Cont'd attempts collect debt not owed

A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything.

Credit reporting company's investigation

XX/XX/XXXX, while discussing an unrelated business mater with a current lender, I was made aware that an account, I did not authorize or initiate, had me listed as a cosigner. I immediately notified the lender that I was a victim of identity fraud and requested to see the information they had on file. In turn, I checked my credit reports, confirmed the presence of the fraudulent account, and contacted each of the XXXX ( XXXX ) credit reporting companies and disputed the information. At varying dates XXXX, each of the credit reporting companies ( CRCs ) reported that the account was confirmed by the lender. To date, the fraudulent information remains on my credit file and [ neither ] CRC has ever notated my credit profile about the account being disputed. After [ several ] additional telephonic requests to the lender between XX/XX/XXXX to XX/XX/XXXX, the lender mailed me a copy of the loan origination documents along with its internal ID theft package. I immediately filed a law enforcement report ( LER ) with my local Sheriff XXXX Office and returned the original package and supporting documentation to the lender XX/XX/XXXX. The supporting documentation included a copy of the lender 's loan origination document, my LER, drivers license, social security card, and hand writing samples. XX/XX/XXXX, I was notified by a potential employer that I was deemed unsuitable due the presence of delinquent financial information on my credit report. In that same notification, I was provided a copy of my combined credit report which still contained the fraudulent account on each of the CRC 's reports. I began researching laws and learned about the FCRA and the FTC. After learning that the combination of an LER and FTC Identity Theft Affidavit ( ITA ) produce an Identity Theft Report ( IDR ), I filed an ITA on the FTC 's website. In turn, I sent [ via certified mail ] FTC 's CRC-template letters and supporting documentation to each of the XXXX credit reporting companies requesting that the fraudulent account be blocked, removed, and that a extended fraud alert be placed on my credit file as per the FCRA. The supporting documentation for each submission of FTC 's CRC-template letter included a copy of the lender 's loan origination document ; my credit report, drivers license, social security card, and hand writing samples ; as well as FCRA Section 611. According to USPS tracking, the CRCs received their certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX [ XXXX ], respectively. To date, each CRC has placed an extended fraud alert but has [ not ] blocked the fraudulent account information from my respective credit profile [ or ] contacted me declining my request to block the fraudulent information. In fact, one CRC will not allow me to order a credit report directly and advised ( via telephone ) that my IDR was not sufficient but would not provide its justification method in making that determination. Subsequently, and, respectively, I have ordered additional credit reports which indicate each CRC 's non-compliance the FCRA 's imposed time limits. To their credit, XXXX CRCs have listed the fraudulent account as disputed/under investigation. Additionally, I sent [ for the second time, via certified mail ] FTC 's lender-template letter and supporting documentation to the lender requesting that the lender block, absolve me of responsibility, and stop inaccurately furnishing the fraudulent account information to the CRCs. The supporting documentation to my submission of FTC 's lender-template letter included a copy of the lender 's loan origination document and ID Theft Affidavit ; my IDR, credit report, drivers license, social security card, and hand writing samples ; as well as FTC 's Notice to Furnishers ) According to USPS tracking, the lender received its certified letter on XXXX/XXXX/XXXX. To date, the lender has not made any contact with me. RE : FTC ITA # XXXX

Credit reporting company's investigation

Equifax is charging consumers XXXX $ for 30 days of credit monitoring. The issue at hand is that the website area that allows you to dispute and check on the status is not working correctly, so we are all being charged for a service that is simply not being provided. I have called 4 times trying to resolve the issue and nothing is being done about it. Second issue is they are not updating the credit reports accurately even after all disputes have been resolved. They are taking advantage of the American people and something needs to be done about it. Thank You

False statements or representation

I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).

Unable to get credit report/credit score

Hi Sirs, I ca n't get my credit report that 's why I got denied from credit card companies. Here is my information. Thank you, XXXX XXXX

Credit monitoring or identity protection

I paid off my Alaska XXXX with the State of Alaska and it shows that I still owe XXXX plus on my Equifax credit report. The State of Alaska did not remove and show it paid on time in full.

Taking/threatening an illegal action

I was first contacted on XXXX XXXX, XXXX by an Agent XXXX that said she represented Advance America PayDay Loans in XXXX, XXXX. I had received a loan from that location in XXXX and had paid on it several times until I could no longer afford it. I later relocated to XXXX. Agent XXXX had my previous address in XXXX and stated that they were filing charges to have me arrested and would be putting me in jail if I did not promise to arrange payments through my bank to her. She called me again XXXX XXXX, XXXX and threatened to have me arrested at work. I agreed to set up payments and was scared beyond explanation. I later found out that they could not do to me what they were saying and canceled my bank card to stop payment. She then called and threatened me again and I informed her that I was aware of my rights and she could not scare me anymore. I have XXXX recordings of her calls. the number that she called from was ( XXXX ) XXXX. During this time, they called my mother in law and told her that they needed my information ( they did n't have it at the time ) in order to press charges against me. After canceling my bank card, the phones calls stopped until XX/XX/XXXX. I was recently contacted by ( XXXX ) XXXX and they left a message for myself and on my husbands phone stating I was wanted for Check Fraud. I returned the call today, XXXX XXXX, XXXX, at XXXX EST to find out why someone would be calling me and saying I committed check fraud ; I do n't write checks and they had used my last name from 7 years ago. When I called, I spoke to a XXXX XXXX. He stated he was calling in regards to a check fraud situation regarding XXXX XXXX ( my bank from 7 years ago ). After further conversation, he stated he represented Advance America and was going to file charges against me and take me to court on check fraud charges. I stated to XXXX XXXX that I was aware of my rights and that I would be filing a complaint against him for threatening me in the attempts to collect this debt. Also, XXXX has a time barr of 6 years. I stopped payment on this debt XX/XX/XXXX. After our conversation, XXXX XXXX company contacted my sister in CA at around XXXX Pacific CT and made an attempt to embarrass me in order to get me to cooperate. A message was left accusing me of fraud on my sister 's cell phone. They then proceeded to call my husband 's cell phone at work at XXXX, XXXX to leave messages accusing me of check fraud and that they are beginning court action against me.

Incorrect information on credit report

Hello, mortgage : XXXX XXXX in dispute : XXXX XXXX report # XXXX XX/XX/XXXX, I contacted Experian to dispute a delinquent payment on my credit report. I was advised the mortgage company had to correct the late pay and resubmit to the credit bureau. I sent my mortgage company a copy of my XXXX postal tracking # It was mailed as a 2 day priority. As of today, this is STILL showing delinquent on the credit reports. Per Experian, they closed my dispute in XXXX hours, referred me to my mortgage company and to date, have not corrected or removed my late payment as an error or acknowledged as such. EACH late pay cost me XXXX points on my credit report. For them to force a lower score on me is questionable and unethical. It appears that they use " late pays '' as a means to force people to purchase their credit products. Today, XX/XX/XXXX I contacted my mortgage company yet Again and was advised the XX/XX/XXXX is showing current in their system. Please advise. Thank you for your time. *******************IF you choose to publish this, PLEASE REMOVE MY CREDIT REPORT NUMBER! THANK YOU! **************************************************************

Improper contact or sharing of info

After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. Efforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.

Disclosure verification of debt

The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.

Improper use of my credit report

I called XXXX XXXX, the company that accessed my entire credit report ( hard inquiry ) on XXXX XXXX, even though I authorized a different company, XXXX XXXX , XXXX, to do an employment ( soft inquiry ) and in that authorization ( documents uploaded ), I clearly requested a copy of any reports. When I called XXXX at the telephone number listed on the credit inquiry ( XXXX ), my call was answered " UCC '' with no name given. I asked politely about what happened, the person yelled at me and said they are not required to provide a copy of the credit report to me, and refused to give me their name after multiple requests, but yet insisted I give my name ( I refused! ). I politely pointed out that they are in fact required to provide a copy of the report, and they still insisted they do n't have to provide it, and then hung up on me. I want a copy of my report that was accessed, as is absolutely required under FCRA, and most of all I want to know how this law-breaking company ever got their hands on my entire file of personal information ( which was NOT authorized to anybody and can never be undone ), and also I wonder what recourse I have. I have already filed a fraud complaint and put a 90-day fraud alert on all three credit bureaus, but there is nothing the credit bureaus can do to undo the damage of giving my information to these unscrupulous people. I 'm not even sure what a " final response '' from the credit bureaus would entail, in a situation like this, apart from what they have done ( put a fraud alert on my report ).

Cont'd attempts collect debt not owed

There is an account showing up in my credit file that has no clear explanation as to why it 's reporting, I would greatly appreciate if there were a thorough investigation of this matter. And expect a complete removal of this erroneous information on my personal credit report.

Communication tactics

XX/XX/2014 I had XXXX at XXXX XXXX XXXX XXXX in XXXX Mississippi. As a result I managed to acquire XXXX separate accounts that I began receiving bills for. I asked the hospital to combine the accounts so I could make larger payments on XXXX account but they refused. The first XXXX accounts I managed to pay off fairly quickly. The XXXX and XXXX accounts I was still paying on when XXXX XXXX turned the larger of the XXXX remaining accounts ( the XXXX account ) over to Professional Account Services ( PASi ) for debt collection. Up to this point, all of my payments had been made directly to XXXX XXXX XXXX Systems. A representative from PASi called me at work and during this conversation I was told that it was ok to continue paying the hospital, but paying PASi was the same as paying the hospital, and that I should pay PASi. Told him I had no intention of paying the debt collector and that all of my payments would continue to go directly to the hospital. I explained to this representative that it was unfortunate that his company had gotten involved in a matter, as I could prove that payments were being made on all of the outstanding accounts, not just the one that had been turned over to his company. At this point the hospital was wanting me to pay XXXX a month on the account that they have not turned over to collections and PASi wants me to pay XXXX on the account that had been turned over to them. I had explained to them on more than one occasion that I could not pay their minimum balances. In XX/XX/XXXX, I received a letter from a law firm saying the account had been refered to them for legal action. I responded to the law firm with a letter of my own and explained to them the same thing I had been telling XXXX, and took the opportunity to remind them that I had been and still was paying the bill. I have now been supoenaed to court on XXXX XXXX. This suit was filed with XXXX County Justice Court on XXXX XXXX, 2014, a month BEFORE I received the letter from the law firm saying they were reviewing it for legal action. Why the law firm bothered to harass and intimidate me further when the debt had already been filed with Justice Court is beyond me. Why I 'm being harassed for a debt I 'm paying and now sued for a debt I 'm paying is beyond me as well. They say to call and make payment arrangements. I 'm already paying them, why should I make payment arrangements on something I 'm already paying? They were n't willing to work with me and combine the accounts. Why should I work with them and make a payment arrangement for something that 's being paid? Now, I have to miss time from work to go to court for this. I do n't understand why I was turned over to collections and sued when I have been and can prove that I have been paying them.

Communication tactics

This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for XXXX years and they would not be paying this debt on my behalf.

Cont'd attempts collect debt not owed

I wish I could click more than XXXX item above that is an issue, instead I will list them here. Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. They are trying to collect on a debt I DO NOT OWE. My credit is clean. I do not owe XXXX. I contacted XXXX XXXX Services and they said they have no idea what XXXX or Asset Recovery are speaking of. My account is up to date and paid adn has been. XXXX/Asset is also saying that there is a lawsuit against me and they are going to inform my employer and I will be fired. I have been cursed at, yelled at and threatened day and night. It 's not stopping and now it 's at my place of my employment when I 've asked them to stop. This is a horrible horrible business and it seems there is no recourse.

Taking/threatening an illegal action

MANY HARASSING PHONE CALLS PER DAY

Taking/threatening an illegal action

I have advised creditor of a chapter XXXX bankruptcy over a year ago and to please cease contact they still continue to call and threaten legal action is being pursued

Incorrect information on credit report

Equifax refuses to remove erroneous information from my credit report. They said I can put a statement. But whats so funny is the company reporting the information XXXX, XXXX is out of business and they refuse to give me their phone number.

Cont'd attempts collect debt not owed

some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states.

False statements or representation

I have been making private student loan payment to Navient for XXXX XXXX for several months, sending XXXX check to cover XXXX separate loans. They receive the check and it takes 10 days to process and post in their system ( I have mailed payments via priority mail and tracked to confirm receipt in their office ). They called me claiming my payment was late after it was already received, and I told them THIS WAS A VIOLATION OF FEDERAL LAW, since they already received my payment. I also sent written notification of same The next month, they received my payment and applied the entire payment on just XXXX loan, showing the XXXX other loans late/unpaid and charging late fees. There was no notification to me of a change in application of my payments, or I would have written XXXX checks, instead of a single check. They have also ceased sending email notices, so I did not become aware of the problem until the monthly statement came through the mail. This was all done in retaliation of my confronting them on the practice of receiving my payment and not applying it to my account for 7-10 days, WHICH VIOLATES FEDERAL LAW.

Cont'd attempts collect debt not owed

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Incorrect information on credit report

This complaint is regarding XXXX and information derived from the credit breauras. One of my issues is that i am constantly denied housing in the XXXX XXXX- XXXX XXXX XXXX . Public information is being reported about me that is either inaccurate, Can not be proven or is either out dated. For instance, This XXXX charge " XXXX " case # XXXX occurred in XXXX/XXXX/XXXX which is beyond the statute of limitations which is ( 7 ) seven years to be reported.However, its being reported more than a single instance on a report. Also, The charge of " XXXX '' case # XXXX dates back to XXXX XXXX XXXX, The charge of " XXXX " case # XXXX too dates back to XXXX/XXXX/XXXX, and the charges of " XXXX '' case # XXXX, XXXX case # XXXX and the charge of XXXX case # XXXX are all outdated information that is still being reported. Also XXXX and exquifax are not accurately reporting my current mailing address properly which is XXXX XXXX XXXX XXXX North Carolina XXXX. I ask not to be judgmental i was a innocence man XXXX and is attempting to restore order to his life.

False statements or representation

This isnt my debt

Cont'd attempts collect debt not owed

I received letters and a phone call from a debt collector for a debt that is not mine.

Communication tactics

I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was XXXX XXXX XXXX. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a XXXX XXXX XXXX loan I got on XXXX/XXXX/12. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house first, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to UDH, but UDH is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact UDH to notify them of this situation. She also gave me UDH 's number to follow up with them myself. I called UDH, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him 2 voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " XXXX in penalties ''.

Cont'd attempts collect debt not owed

We have been receiving automated " robo-calls '' from an anonymous source for months. This past week we received a personal message from Van Ru Credit Corporation. We called them back and they immediately asked for confidential personally identifying information over the phone ( last XXXX digits of my wife 's social security number ). When we refused to give that to them, they refused to give us any information about what they are calling us about. We have never dealt with this company and we have no known outstanding debts owed to anyone. They would neither confirm nor deny that they have attempted to notify us through mail, nor would they agree to send us correspondence by registered mail. They would not provide us with the address they have on file despite the fact that they obviously have our home phone number. They would not tell us what the matter was about. They would not tell us how long the matter has been outstanding. At this point we have no information other than the phone number they left on our message machine and a completely unproductive personal phone conversation. The phone number we received and called is : ( XXXX ) XXXX extension XXXX.

Credit monitoring or identity protection

I have notified Equifax multiple times by phone of being a victim of identity theft since XXXX XXXX. In my hurry back in XXXX XXXX I paid them the {$10.00} dollars to place a security freeze on my credit file, which they done. However when I needed that freeze to be temporary lifted I was told by their website and on the phone that I failed to prove that I was victim of identity theft. So I fax and mailed to the address that they told me to the required documents on XXXX XXXX, XXXX. After doing so I went to temporary lift my credit freeze two months later only to be told again that they never received the documents, but when I have them search for them they find them and then claim it 's not their department to handle and transfer me to another and another. Then one person will say, " I will lift the security freeze JUST this once for free ''! And the supervisor ca n't help because they " can '' t transfer the information over to the correct department ''. I live in california, and I was told by law I had a right to place, temporary, and permanently a security freeze on my file for free. But Equifax wants to continue to try to charge me money to protect my credit file. Also when notifying them of my current address they took two months to correct it, going back and forth with my previous address as my current address. I would n't be surprised to receive another letter saying they switch my current address to my previous address again. I have attached proof of their messing around and hurting me. I hope you can fix this with them.

Incorrect information on credit report

I had a account with XXXX that was eventually sent to a collection agency, it has been on all XXXX of my credit files for over 7 years with XXXX collection agency and as of XXXX 2015 it had been resold to another collection agency and is being report as a new collection account on my credit file as of that date. The account should have been removed from my credit file in XXXX 2015 for good. The Collection Agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX and its for XXXX XXXX Account # XXXX for XXXX. I feel that the agency is unfairly putting fraudulent info on my credit report.

Credit monitoring or identity protection

I am at a loss of words. Long story short, I signed up with TransUnion to get on top of my credit. I then discovered that someone ( who i actually know ) took out a {$50000.00} loan in my name. Frantic, I call TransUnion, to get nowhere. I cant understand anyone. I asked multiple times to be transfered to a supervisor, and that just did not happen. The people here do not speak english. They are not equipped to handle these situations. They could barely understand me when I tried to give then my social security number, let alone tell the slightest bit of information about this XXXX loan in my name! I have XXXX questions, and the agents there and barely understand what I am saying. I need help. Please. There is fraudulent activity and I am a victim of identity theft. I do n't have any other numbers to call..who else do I go too? I am feeling like i got scammed all over again.

Cont'd attempts collect debt not owed

XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are Midland Credit Management, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.

Improper use of my credit report

Experian # XXXXXXXXSince I received the letter from XXXX XXXX regarding the complaint listed above I have discovered that this problem has escalated and I believe that I should taking serious action as my rights are being violated. I am outraged at the method of deception which was put into to play last year and is still going. The first thing is the way that they state in the letter that the fraud case issue was denied by their Security Operations dept. Well it was the dept who advised me about the double charge for the refrigerators and they made no mention about the case regarding the fraud was denied, because XXXX was the XXXX doing the fraud to me. In this letter there is no mention about the refrigerator XXXX charge and it also states that they only received XXXX payment of XXXX in XX/XX/XXXX? ( THAT DATE IS FUTURE ) That payment was made in XX/XX/XXXX along with other payments made to pay the account off in full. They stated that I did not cooperate and provide a declaration for unauthorized use, that is not true as I called to find out why there had been charges made in the months I did not use the card. The XXXX XXXX was a rude bias man and he made up the whole story because he was already covering up the fact that there were the bogus charges for the second refrigerator that had APR charges and late fees they could not reverse. He chose not to disclose that information and he was the one who made those negative remarks said to be by me, and now I believe that XXXX have together started providing Experian the real incorrect information, slandering my name. Experian sent me XXXX credit files, XXXX saying that there was a error by XXXX and then a XXXX that has trashed my entire credit file and fico score. I called Experian and told them to remove the fraud alert. They asked for the removal request to be provided in writing and in fact they did the opposite and issued an Extensive Fraud Alert. The strange thing I that the credit file is dated XX/XX/XXXX and the personal info is dated XX/XX/XXXX and there is a note stating File Blocked for Promotional Purposes. For the revolving accounts they have noted that they are paid as agreed buy it states in bold type " ADDITIONAL INFORMATION-Credit Card. There are also accounts that they have reported that have been closed per my request and they are not accounts I have had, not to mention a public record I do not know about. They have done this to raise additional flags for my credit history and create problems for any future loans or credit card app. I may request. Well during this dispute the credit dept for XXXX XXXX loaded up my credit file with a great deal of negative information and my FICO score went from XXXX to a XXXX. I ordered my credit report and reported all of this to the XXXX agencies. So I decided to use this XXXX XXXX credit card on XX/XX/XXXX and it was only for the deposit of a tool rental and at the register the clerk told me it was declined. I called the number on the card and after stating my card number the automated stated I had a zero balance and I was eligible for deferred charging. I asked to speak w/ a rep and he stated that my account was closed per customer request. That was not true I had not requested the account to be closed and the credit report does not make that indication. I believe that this was done in retaliation as I am still receiving emails stating that my account has a zero balance and is active, as well as more marketing emails encouraging me to use my account. Experian has not agreed to make any changes

Unable to get credit report/credit score

I filled out all of the information on-line and then there was no report. Is it supposed to be emailed? It just was n't there.

Incorrect information on credit report

Identity was stolen, and inaccurate information is being reported by credit bureau 's.

Disclosure verification of debt

I have never received any letter/documents from XXXX XXXX for services supposedly given in 2013, nor a bill from anyone stating otherwise either. Called # on debt collection letter and asked to have debt verified because I am not aware of this debt. Collection agency then kept asking me " what kind of verification do I need '', " call your insurance company '', " the letter from us is your verification of debt ''. Only when I informed the rep that I had a family member who does debt collection and so I am well aware that they legally have to document my dispute and verify the debt from the original creditor did the rep say " okay, we will get that sent out to you ''.

Cont'd attempts collect debt not owed

I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have attached proof that my primary care physician did send referrals. I feel as though this is some sort of way for them to bill people almost 5 years later knowing they will pay or it will kill their credit. I am in the XXXX and will be forced to pay something that is not accurate almost 5 years after the services.

Dealing with my lender or servicer

I was behind on my loans, and I called about two months ago to get set up on a payment plan. They continue to harass and make threatening phone calls after I have made XXXX consecutive payments. I have asked them MULTIPLE times to stop calling and they always blame the issue on " system error ''. I am at the end of my rope and I do n't know what else to do!!

Cont'd attempts collect debt not owed

Sent a letter and got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Global Lending '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Dealing with my lender or servicer

My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!

Incorrect information on credit report

I have submitted several disputes to Trans Union credit bureau regarding incorrect information regarding a collection item on my report - XXXX. This is NOT my account. I have been insured with XXXX for over 6 years. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Improper use of my credit report

I was co-executor of my father's estate. He owned property mortgaged through XXXX. I am not signed on the mortgage. XXXX has been harrassing me with phone calls regarding the mortgage which is not delinquent. The home was left to my brother, XXXX. I learned by reviewing my annual credit reports that this bank ran a credit report on me on XX/XX/2015. without my authorization. When I returned their call from XXXX, they told me that they could not talk to me about the mortgage. I asked them if that is the case, why do they continue to call me everyday.. I asked the agent "XXXX" (Who gave "XXXX" her customer service ID) why would XXXX run a credit report on me and she said that "they could do that for collection of a debt." I told her and others repeatedly that I am NOT obligated to them in any way. I have not signed any papers. She said that XXXX was not going to remove my phone number until they got the information they wanted. I asked what was the information--again, she said that she could not divulge that because they are not authorized to talk to me! I repeatedly ask them not to call me! This is ludicrous! It is unlawful to run a credit bureau report without authorization. The estate number for the XXXX County Probate court for my father,XXXX is XXXX. The property address that PNC has the mortgage is 3585 XXXX Ohio.. The mortgage account number is XXXX. XXXX Federal ID number is XXXX.

Incorrect information on credit report

there is a XXXX XXXX account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.

Cont'd attempts collect debt not owed

This dentist appt was back in 2012 and I was under XXXX XXXX dental insurance. XXXX XXXX did not file the claim with XXXX XXXX as I was 100 % covered for any dental services. I have explained this to XXXX XXXX and ARC-This is a case of complete incompetency on XXXX XXXX part and even more so with ARC. We do not owe this debt-it belongs to XXXX XXXX and XXXX dental should go to them and collect the fees. No services were provided in any way other then to attempt to talk me into whitening my teeth. The receptionist at XXXX XXXX has stated that they have just sent 12 years worth of unpaid acct receivables to ARC and they are getting bombarded with calls about not owing the debt. ARC has been calling repeatedly both my wife and I. My wife was the primary insured and has no responsibility whatsoever and has no relationship to this debt.

Incorrect information on credit report

This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.

Dealing with my lender or servicer

My husband lost his job in XX/XX/XXXX and was unemployed for almost XXXX months. He has recently started a new job with XXXX and we are getting our finances back on track. However, by the end of XXXX, I struggled to keep up with the payments and my student loans became dangerously past due. On or around XX/XX/XXXX, I arranged a {$250.00} student loan payment on line. I did not realize until it was too late that I had forgotten to change my banking information and the payment was rejected by my bank. ( I have since cleared this up. ) I called AES to discuss further options. On XX/XX/XXXX, I was told by a representative that I qualified for XXXX-day forbearance. When we discussed the unfortunate payment error, she said, " do n't worry about it ; the forbearance period would cover the non-payment. On XX/XX/XXXX, my credit bureau monitoring service notified me that my credit score had dropped by over XXXX points due to a XXXX-day late payment reported by AES. This was AFTER I was assured that I qualified for the forbearance. When I called AES to inquire about this, I was told that credit reporting operated on a separate system and that credit reporting was " automatic, '' but that he would note the situation in my file. All of the representatives have been very pleasant and helpful. However, as I explained to XXXX of the representatives, I am a consumer. When a representative tells me " not to worry about a payment issue, '' I listen. My husband and I are XXXX veterans and have to commute 2 hours to work every day. We are responsible and have not missed a student loan payment in several years. We need to buy a home closer to our work. The problem is this. The loans with AES are a consolidated debt of XXXX different loans. When the loans were reported to credit bureau as XXXX days late, my credit scores dropped almost XXXX points for EACH LOAN. That 's approximately XXXX points!!! This is neither fair nor accurate. When payments are made, amounts are applied to each individual loan. The way this is set up, even if XXXX of the XXXX loans is late, ALL XXXX report late. No credit report can sustain and instant XXXX point drop in credit score over something this confusing. Like I stated earlier, I am a veteran and a responsible citizen. I struggled to pay the loans on time for the entire XXXX months my husband was out of work. It is not fair that I should have to suffer the insult of a XXXX day late payment due to misinformation that I was given. If I am late making payments due to neglect, then I would feel like I have earned this discredit. However, I was acting on information supplied to me by a company representative. I followed their rules. Therefore, I respectfully ask that the XXXX day late be removed from all XXXX credit bureaus so that we can move on with our lives.

Incorrect information on credit report

I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Cont'd attempts collect debt not owed

I sent out XXXX separate letters to XXXX ( XXXX ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Capital One Auto Finance d/b/a COAF '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Unable to get credit report/credit score

Experian refused to provide free annual credit report through XXXX. No explanation given, simply we are unable to fill this request. The refusal screen provided the option to buy Experian credit report and scores. Experian is not meeting its obligation to provide a free annual credit report. Experian is deceptively using the XXXX website to sell their products.

Cont'd attempts collect debt not owed

XXXX ( Capital Mgmt ) keep calling for my mother. XXXX particular call I pretended to be her to get to the bottom of these calls. The person they are looking for is NOT her. The individual I spoke with gave an address that is no where near our home and D.O.B. that was nearly XXXX years younger than my mother to which I responded I was in my XXXX. He then asked for the last XXXX digits of the SS number and I responded the first number is XXXX and that is all I am saying. He responds you certainly are not the person we are looking for and this person is much younger and that digit is not in the SS, and he would remove phone number from list. The calls began again almost two weeks ago. This is ridiculous and outright harassment, and wish to file a complaint on behalf of my mother. Thank you in advance for your assistance.

Cont'd attempts collect debt not owed

Call from ( XXXX ) XXXX Diversified Adjustment seeking XXXX XXXX. Diversified purchased bad debt or bad contact information from XXXX XXXX. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.

Cont'd attempts collect debt not owed

XXXX formally XXXX added an amount owed from over 10 years ago of {$790.00}, I do not owe that amount and I want them to remove that amount from my debt.

Cont'd attempts collect debt not owed

I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

False statements or representation

I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.

Cont'd attempts collect debt not owed

Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( " FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the " mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.

Cont'd attempts collect debt not owed

My letter to MCM - Midland Credit Management , Inc. : MCM - Midland Credit Management , Inc. XX/XX/XXXXTo whom it may concern, I have been receiving these types of letters since last year XX/XX/XXXX. I have also spoken to XXXX different representatives on your end in regards to this. The XXXX times that I have called XXXX representatives were unable to provide information but the following:1. The account was opened in XX/XX/XXXX ( I was only XXXX ). 2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ). My thoughts, concerns and question is WHY after 11 years was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me what this account/credit/ '' Structure '' was for/is? I have XXXX DEBT under my name. I have ran my credit reports yearly and most recently back in XX/XX/XXXX and have never seen any of this? If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now. Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is? Until further notice please do not contact me via mail or phone. I thank you kindly for your time and patience in regards to receiving and reading this letter!

Unable to get credit report/credit score

I am unable to obtain my experian credit report on line. I am also unable to access my free anual credit report online via the annualcreditreport.com website. I was told the size of the report is causing this and may be related to the number of soft inquiries generated by reviewing my own report. As I had previously been a victim of Identity Theft, I checked my report almost daily for new/unauthorized inquiries or accounts appearing. That is why online access is so important to me. Now, apparently the file size will not allow online access and I must mail in a form to get a copy of my report. For someone who is monitoring their credit for identity theft in the event someone attempts to open an account in my name, I need to be able to access my credit information without waiting two weeks for XXXX in the mail.

Taking/threatening an illegal action

I received a phone call at XXXX XXXX XXXX, 2015 from a XXXX XXXX who said she represented Delaware XXXX which is a law firm, supposedly. She said she had a summons for a court appearance but said if I agreed to make payment arrangements she would confer with the other attorneys to stop the summons. My boyfriend stopped me from giving her my banking information, I gave him permission to speak to since he has some training in law. She got very hostile and rude. He hung up with her and told her not to call back in front of me and my mother. She called back about five other times all with the intent to harass me in violation of the fair debt collections act. I finally told her to stop calling and that it was being documented each time she called and she hung on me. I also asked for written verification of the debt and she refused to give it, all she said was she would refer the matter back to the attorneys if I did n't make a payment.

Incorrect information on credit report

XXXX XXXX SrXXXX XXXX XXXX XXXX, Ca XXXX XXXX ACQUISITIONS INCATT : XXXX XXXX XXXX XXXX CA XXXXXXXX XXXXXXXX XXXX CA XXXXRe : Account NumberTo Whom It May ConcernI am sending this letter to you in response to notice I received from you on XXXX XXXX, 2014. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 169g2 Sec. 809 ( b ) that your claim is disputed and Validation is requested. This is NOT a request for " Validation '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agree to pay what you say I owe ; Provide a validation or copy of any judgment if applicable ; Identify the original creditor Prove the statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your office have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or Trans Union ), said action might constitute fraud under both Federal and State Laws. Due to this fact, If any negative mark is found on any of my credit reports by you company or the company that represent I will not hesitate bringing legal action against you for the following : Violation of the Fair Credit reporting Act Violation of Fair Debt Collection Practices Act Defamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 day to investigate this information and during such time all collection activity must cease and desist. XXXX of XXXXAlso during this are validation period, if any action is taken which could be considered detrimental to any my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated verifying and account as account as when in fact there is no provided proof that it is. If your offices fail to respond to this validation request 30 days from the date of your receipt, all references to this account must deleted and completely removed from my credit file and a copy of such deletion request shall be sent to immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or my place of employment. If your offices attempt telephone communication with my, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit, All future communication with me MUST be done in writing and send to the address noted in this letter. CC : XXXX XXXX XXXX, XXXX XXXX XXXX, President of XXXX XXXX, Federal Trade Commission, Consumer Financial Protection Bureau, Consumer Sentinel Military, XXXX, Trans Union, XXXX, Honorable XXXX XXXX Attorney General of California Commissioner of Calfornia business Overight Enforcement Dividion, XXXX XXXX XXXX XXXX Calfornia business Overight Senior corportation Counse, l

Cont'd attempts collect debt not owed

a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX

Improper use of my credit report

Transunion # XXXXSince I received the letter from XXXX XXXX regarding the complaint listed above I have discovered that this problem has escalated and I believe that I should taking serious action as my rights are being violated. I am outraged at the method of deception which was put into to play last year and is still going. The first thing is the way that they state in the letter that the fraud case issue was denied by their Security Operations dept. Well it was the dept who advised me about the XXXX charge for the refrigerators and they made no mention about the case regarding the fraud was denied, because HD was the XXXX doing the fraud to me. In this letter there is no mention about the refrigerator XXXX charge and it also states that they only received XXXX payment of XXXX in XX/XX/2015? ( THAT DATE IS FUTURE ) That payment was made in XX/XX/XXXX along with other payments made to pay the account off in full. They stated that I did not cooperate and provide a declaration for unauthorized use, that is not true as I called to find out why there had been charges made in the months I did not use the card. The c/s XXXX was a rude bias man and he made up the whole story because he was already covering up the fact that there were the bogus charges for the XXXX refrigerator that had APR charges and late fees they could not reverse. He chose not to disclose that information and he was the one who made those negative remarks said to be by me, and now I believe that XXXX have together started providingTRANSUNION with real incorrect information, slandering my name. Transunion sent me XXXX credit files, XXXX saying that there was a error by XXXX and then a XXXX that has trashed my entire credit file and fico score. I called Transunion and told them to remove the fraud alert. They asked for the removal request to be provided in writing and in fact they did the opposite and issued an Extensive Fraud Alert. The strange thing I that the credit file is dated XXXX XXXX 2015 and the personal info is dated XXXX/XXXX/15 and there is a note stating File Blocked for Promotional Purposes. For the revolving accounts they have noted that they are paid as agreed buy it states in bold type " ADDITIONAL INFORMATION-Credit Card. There are also accounts that they have reported that have been closed per my request and they are not accounts I have had, not to mention a public record I do not know about. They have done this to raise additional flags for my credit history and create problems for any future loans or credit card app. I may request. Well during this dispute the credit dept for XXXX XXXX loaded up my credit file with a great deal of negative information and my FICO score went from XXXX to a XXXX. I ordered my credit report and reported all of this to the XXXX agencies. So I decided to use this XXXX XXXX credit card on XXXX/XXXX/15 and it was only for the deposit of a tool rental and at the register the clerk told me it was declined. I called the number on the card and after stating my card number the automated stated I had a XXXX balance and I was eligible for deferred charging. I asked to speak w/ a rep and he stated that my account was closed per customer request. That was not true I had not requested the account to be closed and the credit report does not make that indication. I believe that this was done in retaliation as I am still receiving emails stating that my account has a XXXX balance and is active, as well as more marketing emails encouraging me to use my account.

Incorrect information on credit report

Incorrect information is being reported by the credit bureau 's. My identity was stolen.

Communication tactics

I have been receiving repeated calls from a private number at work. When I answered the individual informed me they were from World Wide Assets and this was an attempt to collect a debt. I then informed him that I was at work and could n't receive personal calls at my work number and asked that all calls stop and I hung up. He then called right back and I reiterate that I could n't have personal calls at work and hung up again.

Communication tactics

Citi Corps calls some days up to 9 times per day. I have phone log to prove it. They start at XXXX XXXX. can do not stop until XXXX XXXX. They also have a number displayed that I have tried to call back, it will only ring twice and cut off. They also call here with a message in XXXX. I speak English only. They are breaking the law by their harassing phone calls. They also have called on Sundays which I requested months ago for them not to call me on Sundays.

Cont'd attempts collect debt not owed

Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Incorrect information on credit report

I have attempted to get this inaccurate judgment removed from my Equifax and XXXX credit reports for months. They keep referring me back to the courthouse and when I contact the courthouse, they are indicating that they did not report nor do they do any reporting to the credit bureaus, so they ca n't help me. The staff at the courthouse also provided the above information in writing. After submitting it to XXXX and Equifax, they still refuse to remove this inaccurate information from my credit report.

Cont'd attempts collect debt not owed

This fake assets company harassing me trying to get my bank and credit card information.

Cont'd attempts collect debt not owed

I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Incorrect information on credit report

I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Credit monitoring or identity protection

I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back.

Unable to get credit report/credit score

This is growing very tiresome. Three weeks ago I spoke on the phone with an employee of Experian who said he worked in their disputes/consumer affairs department and he went over items he said HAD BEEN DELETED because I had challenged them. I also have been on this site over and over and over with these people The representative TOLD ME HE WOULD PUT A HARD COPY OF MY FULL CREDIT REPORT IN THE MAIL and I should receive it in XXXX to ten days. I HAVE YET TO RECEIVE IT. I have received XXXX and XXXX. NO EXPERIAN. THEY NEVER FOLLOW THROUGH. He told me the XXXX entry had been DELETED and I told him I wanted to SEE FOR MYSELF and also get the address of another entry so I coudl ask for more information and get them to validate what they just put on my report. YOU CAN NOT DO THAT WITH NO REPORT, NO INFORMATION. This representative was aware of the issues and said they had taken steps to assure the inaccurate entries were deleted. He was aware that XXXX/XXXX Bank changed its name to XXXX Bank and BUT THAT THE XXXX XXXX CARD account was XXXX ACCOUNT, XXXX DEBT LISTED and dated back to XXXX XXXX and I said I want to see that and get the address of the other entry. TO THIS DATE I HAVE YET TO SEE THE HARD COPY REPORT FROM EXPERIAN. I provided this man with my PIN, as I do have a freeze on the report. THESE PEOPLE have a XXXX police report detailing the entirety of the items stolen from me by thugs who took from me everything I had and then left my house looking like a hurricane struck. WHY AM I BEING AGAIN VICTIMIZED? I have every PIN anyone needs. They know and pledge to send me a HARD COPY of my report yet they NEVER DO. PLEASE WILL YOU USE YOUR RESOURCE TO GET TH IS PROBLEMATIC COMPANY TO FULFILL ITS RESPONSIBILITY. This is the ONLY REPORT I DO NOT HAVE. report number of the last hard copy I have is dated XXXX XXXX report number XXXX. I received THIS XXXX IN THE MAIL JUST THREE DAYS AFTER HAVING RECEIVED YET ANOTHER XXXX DATED XXXX XXXX. SO, IF EXPERIAN HAD ACTUALLY did their jobs and deleted what they and the companies ( XXXX and XXXX ) know is wrong why DO NOT THEY SEND ME A HARD COPY? THEY HAD NO PROBLEMS SENDING ME HARD COPIES DATED XXXX XXXX AND XXXX XXXX. i WANT TO SEE FOR MYSELF THAT THEY HAVE 1 ) MADE THE CORRECTIONS AND 2 ) GET THE INFORMATION ON THE MEDICAL ITEM TO SEE JUST WHAT DOCTOR THIS IS, IF INDEED I AM THAT DOCTOR 'S PATIENT. I HAVE A LETTER FROM A XXXX STATING THAT AN ENTRY ON MY NAME IN MY CREDIT REPORT IS WRONG. THAT IS DATED XXXX XXXX, XXXX. THEY DELETED IT WHEN THE DOCTOR 'S OFFICE MANAGER WROTE THAT I WAS NEVER A PATIENT, BUT AS WE KNOW THESE PEOPLE DO NOT CARE IF INFORMATION IS ACCURATE OR NOT. Please also take note that the attorney general of the state of New York is taking measures to make these so-called credit reporting companies ExperianXXXX and XXXX be responsible for the information they put in people 's files. Please, note that this is something that needs to be done and something that your agency should be mindful of so you just do n't kiss up to them when people complain. They DO MAKE MISTAKES. The last decent contact person I had there was XXXX XXXX but I think he transferred or left the company and whoever is in his place does a lousy job. The only thing Experian is interested in is getting people to buy so-called credit " tools '' and then they will pay attention to what is in your report. We the people should not be extorted into having to pay these companies to do their jobs. Shame on you for not enforcing that. This error had been removed now at least four times, but a month or XXXX goes by, it gets put back on. NOW THIS IS SOMETHING YOU NEED TO START HOLDING THESE CREDIT REPORTING AGENCIES ACCOUNTABLE FOR.

False statements or representation

I entered into an agreement to pay {$30.00} each month until the balance was paid in full. After some time ( a year or XXXX maybe ) the company refused to acknowledge this agreement and reported it each month as " Failure to Pay '' even though I made my payment every month, often more than the agreed amount. It took 4 years to pay it but I paid every dime + interest that i owed per the agreement I entered into despite the fact that they failed to honor their end of our agreement. They are still reporting it as Failure to Pay on my credit report. Attached is a record of every payment made and when it CLEARED my bank as well as the interest paid each month ( final payment was not recorded but was paid in XXXX or XXXX 2013 ). I also have statements from the company if you need them showing my payment amount and the due date.The statements stopped coming I assume when the person I made the agreement with left the company 's employment. I do n't have immediate access to them but will locate them in our storage unit and have them available should you require them.

Incorrect information on credit report

SOMEONE USE MY INFORMATION. THIS ISNT MY ACCOUNT.

Cont'd attempts collect debt not owed

I sent a letter however, got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX d/b/a XXXX XXXX XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Cont'd attempts collect debt not owed

XXXX has claimed I owe them {$27.00} for XXXX years despite the PROOF of PAYMENT I sent them : canceled check and their ownPAID INVOICE for {$27.00}! They continue to insist I owe them and collection agencies are after me. How can I stop this harassment for a bill I already paid four years ago?

Disclosure verification of debt

I received a letter from XXXX today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.

Credit reporting company's investigation

This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.

Can't repay my loan

Due to financial hardship, I have been unable to pay on XXXX of my student loans. I have been struggling for months and have contacted the lender via email and written letters. The only response I receive is that I must contact via phone between certain hours. I have told them multiple times that is impossible due to my work schedule. They have written and offered to settle or make arrangements and when I write them back they always state they can not help unless I CALL them. It 's as if they are purposefully contributing to the default my account has now entered. They last letter I received states that default will occur on XXXX XXXX, if I do not contact them. I checked my credit report and they had already reported default and placed with a collection agency ( 2 weeks prior to their date ). I emailed them regarding the situation and still they will not discuss anything in writing ONLY by phone. This makes no sense to me. I can not consolidate the loan to another lender now that this situation has caused my credit report to go from XXXX to XXXX!!!! What can I do?

Cont'd attempts collect debt not owed

Monarch Recovery sent me a letter stating I owed over {$320.00} for a debt through XXXX XXXX XXXX, a credit line through XXXX that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from XXXX XXXX XXXX stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and XXXX XXXX XXXX because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.