10/16/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you.
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity ofXX/XX/2018 You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now.
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
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02/13/2020 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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Crescent City Collections has contacted me twice concerning an unpaid medical bill for my son. During the first call, I informed the clearly intoxicated older woman on the phone, that I did not give payment information to people calling my home. She slurred, and cursed, and then hung up. My daughter answered the phone after this and tells me the same thing occurred. Today, the same lady who said her name was XXXX XXXX, called me again at XXXXalready intoxicated. I told her she had called me intoxicated and using foul language in the past. She told me her boss was not available. I will happily pay the bill after this is resolved. I believe this is in violation of what is allowed by collection agencies.
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08/04/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is the second complaint against this company. In the last CFPB complaint they claimed they were going to delete - which they did not and also updated the account on my credit report as valid. I have retained an attorney to handle but I do want the CFPB to re-review and audit this agency and their procedures as they blatantly LIED to the CFPB
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10/12/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
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04/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Crescent City Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
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08/31/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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08/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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07/01/2022 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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06/14/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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06/16/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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02/08/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Postal mail |
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