| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You DNF ASSOCIATES You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST DNF ASSOCIATES 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something 15 USC 1681 s-2 Says you DNF ASSOCIATES are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR
RECORDS AND ALL CONSUMER REPORTING AGENCIES.
XXXX XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
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| 10/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Diverse Funding Associates, LLC Phone : ( XXXX ) XXXX and ( XXXX ) XXXX and XXXX Address : Diverse Funding Associates, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am requesting an escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Diverse Funding Associates, LLC, its executive management team, in house collection agents and 3rd party collection service companies. Currently I am being harassed by Diverse Funding Associates, LLC regarding a debt they currently hold under my SSN. I verified during the closure with the owner of the original account that they received my request for a cease and desist for no contact and the agent was advised to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. Diverse Funding Associates, LLC has willfully engaged in a complete disregard for my request. They are impossible to deal with, regarding the robo calls, multi line phone numbers and refusal to disengage with contacting my family and roommates. The sources of contact and information uncovered lead back to Diverse Funding Associates, LLC and can not be confused with any other debt purchaser. I feel I am under extreme duress from their relentless refusal to cease their harassment. I provided direct notice to their Diverse Funding Associates, LLC as a company, along with their partners, but they continue to send physical letters to my home mailbox, make phone calls, and send other digital correspondence. Their company, agents and partners continue to attack me, my family, and my roommates forcefully attempting to collect on a debt held by their office and they tell me that they have filed multiple lawsuits against me in court ; even though I already have verified that my documents reached them and they received the notices I mailed them, as well as their partners containing cease and desist letters to each of their correspondence addresses. In addition to those notices, I also verified that Diverse Funding Associates, LLC and its partners did receive the separate letters advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take my case against Diverse Funding Associates, LLC at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with help from my family. There is no confusion regarding my clear communication to Diverse Funding Associates, LLC. I made sure to send the appropriate notices to Diverse Funding Associates, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX, as well as to the addresses of their partner firms. In order for Diverse Funding Associates, LLC to fraudulently obtain a default court judgement in their favor, they and their partner firms lie outright about their contact records and deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records. In the process of their profane and aggressive collection efforts before and after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to estranged family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my mental health state. I have also escalated a formal complaint to the Virginia State Attorney Generals office for investigation into the business dealings of Diverse Funding Associates, LLC in my state. After consulting with a legal advocate attorney who is handling other complaints against Diverse Funding Associates, LLC, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents and 3rd party firms abuse and coercion using lawsuits against me, intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy.
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| 02/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been dealing with identity theft and its repercussions for over 8 years now at least. I first noticed this account with the original creditor prior to XXXX. I tried contacting them, however, they would not speak with me because I couldn't verify the security questions they were asking. I asked them to close the account as fraud, to which they still said they couldn't speak with me because I couldn't be verified. This account was soon after removed from my credit report, so I assumed it was canceled.
Fast forward to XX/XX/XXXX, I received a citation for a lawsuit for another fraudulent debt, which got me to start checking my credit report. I noticed XXXX as one of the negative accounts. I contacted them via phone and certified mail ( XX/XX/XXXX ), to which they told me the debt was sold to DNF Associates and gave me their contact information. I had asked XXXX for verification of debt via the letter, but they said it was sold to DNF Associates .
I filed an identity theft report with the FTC in XX/XX/XXXX, listing this account as well as others that were still appearing on my credit report. On XX/XX/XXXX, I sent two letters in the same envelope via certified mail to DNF Associates. The first letter was asking for full validation/verification of the debt as well as notifying them of the dispute due to identity theft. The second letter in the envelope was for a cease and desist after they sent the validation/verification. I also included the identity theft affidavit from the FTC, as well as a police report from XXXX when I had another identity theft incident in regards to false unemployment claims filed under my name. I never heard anything, nor received a validation/verification from DNF Associates . I did, however, receive the signed return receipt showing that DNF did receive the letters.
In late XX/XX/XXXX, I received a citation of lawsuit from XXXX XXXX XXXX, XXXX. in XXXX, TX at my po box . I responded to this within the required timeframe in early XX/XX/XXXX with the lawsuit answer, along with the identity theft report from the FTC. Copies certified from the court were sent to XXXX XXXX XXXX, XXXX. via certified mail.
On XX/XX/XXXX, I called to the original creditor to gain more information. They again referred me to DNF Associates. I called DNF Associates to ask why I never received the debt validation/verification as requested from the letter send on XX/XX/XXXX. They confirmed receipt and said they forwarded everything to another organization named XXXX XXXX on XX/XX/XXXX and I would need to ask them why it was not sent. DNF gave me the number to XXXX XXXX, which I called. I asked the same thing of XXXX XXXX, to which they said that anything would have been sent to the local attorney handling the case, XXXX XXXX XXXX, XXXX. and gave me their number. I contacted XXXXXXXX XXXX XXXXXXXX, XXXX, and from what little they would tell me, it does not appear that the letters were ever sent down to them. They have asked me to re-send everything to them via email so they can start an identity theft packet. They also kept asking for a Police report. In the past when I called XXXX Police to ask how to proceed with the credit card identity theft, they advised that the FTC report trumps any report they would be able to take since the FTC is the federal level official agency to report the issue to.
My issue is that DNF never fulfilled the requirement to sent a full validation/verification of the debt and pass the issue onto others, who then say they never received it. In the midst of all of this, I have been on different medications from a XXXX XXXX XXXX XXXX XXXX XXXX and attempts due to the identity theft and different bill collectors saying they are coming for my house and my property. Under the advice of the Texas DMV, I replaced my driver license in XX/XX/XXXX after I found out that my license, social security number, phone number, email address, and other identifying information was found on the Dark Web. Due to multiple data breaches over the years, Ive had to set up credit bureau blocks with XXXX, XXXX, and XXXX. Ive had to set up active credit monitoring with those three companies. Ive had to file identity theft reports with the State of Texas and the IRS. My life has been difficult and Im trying to find an end.
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| 08/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX.
XXXX, Pa XXXX DNF Associates Dear DNF Associates : I am responding to your contact about a debt you are trying to collect. You contacted me about, Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX
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| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE AND DEMAND FOR CEASE AND DESIST To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication.
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( XXXX ) any actual damage sustained by such person as a result of such failure.
( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : Delete this account and cease and desist with all collection activities.
Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : Delete this account and cease and desist with all collection activities.
Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
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| 10/04/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently received a debt collection letter from XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX, claiming I owe a debt from XXXX with a total amount due of {$1000.00}. They claim to be representing XXXX XXXX as assignee of XXXX XXXX, XXXXXXXX XXXX XXXX XXXX for an account ending in XXXX.
Please consider this complaint as my formal dispute of this debt. I have never had any such account and do not have any outstanding/delinquent debts and have not had any such account number associated with my name or with DNF Associates LLC or XXXX XXXX XXXX XXXX XXXX XXXX
Further, I resided at the same address the letter was sent to since XXXX, XXXX and have never received any claims, bills, or correspondence for any such debt from any of the aforementioned company names as required under the FDCPA.
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX should hereby be put on notice that I dispute this debt. They are required to comply with the law and requirements thereunder.
I have also consulted with a GA attorney who advised that I file this formal complaint in an attempt to resolve this matter. Should this not immediately resolve the matter, I will be retaining the attorney and filing legal action to resolve and will request all attorney 's fees as I am entitled under the law for these attempted debt collection violation efforts.
As indicated, I was never notified of any such debt and strongly believe this information is inaccurate. Under the FDCPA, I have the right to receive validation of any debt being claimed I owe. I would like the following information so that I can be fully informed : *Name and address of creditor to whom debt is currently owed, account number and amount. If this debt started with a different creditor, please provide the name and address of original creditor, their account number, and amount owed to creditor at the time the debt was transferred.
*Provide a copy of the written agreement that created my original requirement to pay.
*Provide a copy of the last billing statement sent to me by the original creditor.
*State the amount of the debt when this firm obtained it, and when that was.
*Itemization of any additional interest, fees or charges added since last billing statement from original creditor showing dates and amounts for each added amount. In addition, please provide explanation how the added fees are expressly authorized by agreement creating the debt or are permitted by law.
*Tell me when the creditor claims this debt became due and when it became delinquent.
*Identify the date of the last payment made on this account.
*Confirmation that this debt is within the statute of limitations applicable to it and when this firm thinks the statute of limitations expires for this debt and how that was determined.
I would also like more information about this firm before discussing the matter further. Does this firm have a GA debt collection license? What is the license number, name license is under, address and telephone number of the state agency issuing the license. I will need a copy of said license.
Again, I believe this debt to be inaccurate and not belong to me. I have an extremely common name and monitor my credit daily. I have no knowledge of any such account.
I need to receive the documentation requested to make an informed decision on how to proceed. I plan to resolve this to the fullest extent under the law. In the meantime, please treat this debt as being in dispute and under discussion.
I look forward to your prompt attention to this matter.
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| 03/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX XXXX XXXX XXXX appears to have sold my credit card debt to another company DNF Associates. I was never contacted about the debt instead they contacted my brother and sister in law repeatedly via calls and text messages asking if it was me and discussing the debt with them and threatening to take me to court. I filed a complaint with the XXXX against XXXX XXXX XXXX XXXX because first of all the debt that they are claiming that I owe is over the credit limit that I had been given and they never contacted me. During the time that the charges were accrued on that account I had lost my job ; my daughter was in and out of XXXX and someone that I had trusted wrote me a bad check which caused other issues. I requested proof of the debt to ensure that no one had used the card without my knowledge and they have declined to provide me with that information. The fact that no one contacted me did a search for my family and started contacting them discussing this debt with them and threatening to take me to court is ridiculous. I have copied and pasted the XXXX response that I did get from them.
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX RE : XXXX XXXX XXXX MasterCard Account Ending in XXXX Case # XXXX Dear XXXX XXXX XXXX : This letter is in response to your inquiry dated XX/XX/XXXX, regarding a complaint filed with your office by the above referenced consumer. In her complaint, Ms. XXXX stated the debt we claim she owes is invalid. Additionally, Ms. XXXX stated that her family members have been contacted in regards to the debt. For resolution, she requests that the debt be remove from her credit file and cease reporting as well as discontinuing attempts to contact her family members.
Our records indicate : On XX/XX/XXXX, Ms. XXXX submitted an application and was approved for a XXXX Mastercard Account.
o The Account was utilized for purchases beginning XX/XX/XXXX.
Payments were maintained until XX/XX/XXXX, when a final payment, in the amount of {$200.00}, was applied to the account, which brought the account balance to XXXX.
On XX/XX/XXXXthe account began being utilized for purchasing, however, there were no further payments received on the Account.
On XX/XX/XXXX, the Account was charged-off with a balance of {$700.00}, due to non-payment.
o The Account was subsequently sold to DNF Associates on XX/XX/XXXX.
On XX/XX/XXXX, we contacted the debt buyer ( DNF Associates ), in reference to Ms. XXXX concerns. DNF Associates has confirmed Ms. XXXX Account will no longer be contacted.
Additionally, debt validation has been sent to Ms. XXXX at the address we have on file.
In regards to Ms. XXXX requested resolution, all contact will cease from DNF Associates. Unfortunately, we are unable to remove the account from her credit report, as we believe the account to be reporting accurately. We apologize for any inconvenience Ms. XXXX may have experienced, but hope this response provides clarification regarding this matter. If you or the consumer have any additional questions please contact us at XXXX between the hours of XXXX and XXXX Pacific Time, seven days a week.
If the customer would like to discuss a repayment agreement, she will need to contact DNF Associates directly. They may be reached at : DNF Associates, LLC ( XXXX ) XXXX Sincerely, XXXX XXXX XXXX XXXX
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| 05/03/2021 |
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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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : DNF ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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I received a letter from XXXX XXXX XXXX in XX/XX/XXXX saying I owed a debt to DNF Associates. The letter stated I needed to contact them by XX/XX/XXXX. I kept a log of my contacts : XX/XX/XXXX XXXX - I rang the number on the letter ( XXXX ), after it rang for a very long time the call seemed to be answered, there was silence for 29 seconds ( with me repeatedly saying hello, asking if they could hear me ), then the line went dead.
XX/XX/XXXX XXXX - I rang again, this time I got a voicemail system, I left a message asking to be called back.
XX/XX/XXXX XXXX - I rang again, voicemail again, this time I left a detailed message explaining that I didn't know which account this was for and I requested proof that I owed the debt in question.
XX/XX/XXXX XXXX - having not hear back I went to their website, as suggested in the letter, and used their form and gave the same details of my voicemail, requesting proof of the debt.
I never heard back from them.
XX/XX/XXXX I noticed my credit had a derogatory remark on it re debt collection.
XX/XX/XXXX XXXX - I called again, this time got a human spoke to XXXX who was apparently a manager, who gave me a contact at DNF Associates.
XX/XX/XXXX XXXX - I called DNF Associates ( XXXX ), spoke to XXXX XXXX who was able to give me more details, and I explained that I closed the account in XX/XX/XXXX, and XXXX had made a mistake in the closeout figure, which they'd subsequently tried to credit in XX/XX/XXXX, where they'd made another mistake in the credit, and so this was not a debt I owed. She gave me an email address to send her a copy of my closure letter.
XX/XX/XXXX XXXX - I emailed XXXX the closure letter.
XX/XX/XXXX - I received a bunch of XXXX statements from DNF Associates dating back to XX/XX/XXXX, although these did not show a debt dating back to XX/XX/XXXX, it DID show the attempted credit in XX/XX/XXXX, and the XXXX balance that the XXXX XXXX representative left in the account, and it showed that 96 ballooning into the {$140.00} that DNF Associates was now trying to collect.
XX/XX/XXXX XXXX - I emailed XXXX again, stepping her through the statements, and demonstrating how they supported my claims that this was an XXXX error, and not a debt I owed. I never received any response from XXXX, but the derogatory mark on my credit was removed a few days later, so I assumed the matter was finished.
XX/XX/XXXX - I received notification ( from XXXX XXXX ) that our credit report had changed. Logging in I see that the XXXX account is now showing as " charged off '' and has 6 late payments listed.
I have now rung XXXX twice, XXXX ( XXXX XXXX XXXX XXXX ) three times, DNF Associates multiple times ( I can never get through ), as well as two other collection agencies that XXXX referred me to ( XXXX and XXXX XXXX ). All information I have is that DNF Associates are acting on the debt and are the ones who have reported the late payments and poor account standing, and yet I am unable to reach them to sort this problem out.
|
| 07/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a call from an attorney offering to hire him to be represented in the lawsuit that has been filed with DNF. I was not aware of why I have been sued. I was not served any legal court paperwork, received any calls or emails. I was never contacted either. When I was able to speak to this attorney he told me my name had came up as an open case at the XXXX XXXX Court house he advised me to look up the case online to get further information and to contact the office. When I did, I verified who was I being sued by and I had no idea who DNF was, I called the law firm that contacted me for representation and gave them the information and they provided me with a phone number to try to reach a representative for DNF. I called a few times and they wanted me to verify my SSN #, I'm aware of scams and I was not wanting to provide that information, I asked if I could verify myself another way and one of the representatives said " You don't know your SSN #? I said no I don't. I provided my full name and DOB but that wasn't enough to give me information. ( already a red flag ) I finally decided to call again and try to provide the least amount of information to prevent any future fraud. I was told there was a balance with a XXXX credit card. I asked for the amount and contacted XXXX. XXXX was unable to give me any information, and it's never been on my credit report. I contacted the law firm to hire them for representation they asked if I had any idea about this debt, have I been contacted by this debtor? and I said no, if you wouldn't have told me I would of never known about this lawsuit. I was told I needed to wait to be served and to see if this account could be validated as mine. Weeks went by and I heard nothing, again I call this lawfirm who tells me it looks like you've been served. I said no I still I have no idea on who this company is and what's going on. Well now I get the information that I'm limited on what I can do because this company is now going to to garnish my wages without even giving me a chance to file anything on my behalf. They went behind my back and filed a lawsuit AND then said they served me with papers that I never received. They have never once sent communication by mail so that I had something in front of me to review nor spoke to me about what was going on. I had to spend money to purchase the documents to view online ( Complaint demanding, Original Summons, and Civil Case Cover sheet ) Furthermore DNF has violated FDCPA by not sending a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days they used unethical communication tactics ( by filing a lawsuit against me without letting me know and stating I was served ). Theyve caused me unnecessary stress and frustration in trying to figure this situation out with little to no information
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
To whom it may concern, I was sent a packaged back in XXXX from an associate/lawyer from DNF Associates LLC back in XXXX. I sent them a letter letting them know that I responded to the credit bureau about DNF AssociateXXXX truing to collect {$14000.00} in fees from an account that was sold to them from XXXX XXXX. They want me to settle in court in the city that I live in. I am in XXXX, CA truing to help my daughter with her second set of XXXX, plus her husband is having rXXXX XXXX XXXX XXXX XXXX. My ex-husband called me to let me know I was summoned to appeal in court to settle the debt. The handwritten envelope, he sent me some of the package document. I can not affords to pau and old debt that was sold to them. They are the fourth company that are trying to get the remaining {$14000.00} plus court fees from a debt that on my credit report was reported as a settle with ... I contacted the credit bureau, not once but three times about LLCs companies trying to extort the remaining balance of a loan I had and they bought for way less or bargained for. I am not in any position to be paying off an old debt that they bought and trying to settled for what the original loan was for. It was deceptive of them to try and collect money in a crisis time that we are living in. I am a divorced mom and my son and I are making it from pau check to pau check. I am trying to get my credit score builds back up.
As of today, I am at a XXXX and hope to build it to a XXXX by the end of XXXX. Why now? Why are they asking me to appear in a Superior Court in the city that I live in. I am an instructional aide and I can not just take off to work out or make a deal from a old loan that was passed down from four different collection agencies. The last LLC, I had to assist the help of the CFPB because XXXX and XXXX were swindling me and I could not take it. I was threaten with my credit score being affected and wages being garnished. But, this time the DNF Associates is not including the amount I owe, but they want me to appear in court to negotiate a settlement. What can I pay them? I get paid once a month and it is my son and I. I am trying to do the best I can to survive and I do not need any other headaches and stressors that are going to make my XXXX and XXXX XXXX flare up. Again, why are DNF Associates coming after me now? These 15-28 pages of trying to retrieve a debt that was sold four times and it did not cost them {$14000.00} or {$16000.00} to purchase the debt. I need to help on where I stand and why are they coming after me during the Corona Virus Pandemic XXXX? I am broke! I am a XXXX XXXX, not a XXXX or a XXXX XXXX. My monthly paycheck is at the end of the month. After my monthly expenditures and my sons contribution, my check is gone. I ride the public bus from point A to point B.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Has reported to XXXX ( and possibly others ) that they are attempting to collect a debt in the amount of XXXX that originated with XXXX XXXX XXXX at some point around XXXX Previous debt collectors have not been able to provide me with the details of the debt ( dates, communication, etc. ).
DNF has not contacted me via phone or mail to offer any of the above information, their contact information, or any other information that has offered an opportunity to ( once again ) explain this debt. This debt ( not mine ) was the result of credit fraud that occurred sometime between XXXX. I personally reported to the XXXX XXXX that someone had fraudulently opened an account in my name. I went round and round with this merchant about the credit fraud. They convinced me to try and make payments. I consulted an attorney and was told to report it to law enforcement, the merchant, and to the credit agencies that the account was fraudulently created. This was done. Eventually the merchant told me they had resolved it, eliminating my responsibility. However, the debt has been sold and resold to various debt collection agencies and I have had to repeatedly dispute this debt, despite its origin at least 8 years previous.
Why this debt continues to be sold, after it has been, at least, four times reported to be credit identity fraud ( reported to authorities ), I have no idea. DNF, as a company, has been extremely sketchy and has violated my FCR rights in that it failed to identify themselves as debt collectors, provide me with 30 days written notice with my options of disputing this debt ( again ), provided no reliable means of contacting them ( multiple attempts unanswered in which I had to track them down ), reported to a credit reporting agency ( XXXX ) that such a debt exists, purports that the debt is valid, and has not responded to written communication. Yet persists in harming my credit status by carelessly reporting this fictional activity, while I have been steadfast in maintaining and growing my credit history.
While trying to call DNF at their given number ( identifies as " XXXX XXXX '' }, they offer only XXXX options : find account number, check account balance, and Make a Payment. To find an account number, they ask for one 's social security number. When I entered mine, they have no record of an account. The recording informs me to " call back. '' Nobody answers the phone, ever. SKETCHY!
They have to this point provided me with absolutely no information about themselves, or any activity they have engaged in. Your complaint for the companies identifying information about myself. There is none. Yet they appear on my credit statement.
|
| 08/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I was notified on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they represented DNF Associates, LLC regarding a so-called debt with XXXX XXXX XXXX account in the amount of {$2600.00}. I disputed on XX/XX/XXXX via certified mail return receipt of their claim of debt in the amount of {$2500.00}. I communicated that I did not owe this debt. I disputed the validity of their claim of debt in the amount of {$2600.00} due to DNF Associates, LLC. given the claim of indebtedness is without basis or merit. I did not have or ever had a XXXX XXXX account, In addition, I do not have a business relation nor history of any business transactions with XXXX XXXX nor DNF Associates, LLC. I requested as of XX/XX/XXXX pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ) Validating Debts that they provide proof to me of the following : - amount of the debt including evidence of any and all transactions giving rise to this so call claim of debt ; - the name of the creditor to whom the debt is owed ; - verification or copy of any judgment ; - evidence a XXXX XXXX account in my name ; - evidence a business relationship with the original creditor ; and - proof that they are licensed to collect debts in XXXX XXXX XXXX XXXX responded on XX/XX/XXXX to my XX/XX/XXXX request and failed to provide and information evidencing that I incur the so called indebtedness with XXXX XXXX via a XXXX account. On XX/XX/XXXX I was served with a summons concerning a Civil Complaint in the State of Michigan in the XXXX District Count for the County of XXXX with DNF Associated , LLC. by and through its attorneys. XXXX XXXX XXXX XXXX XXXX. the Jurisdictional Allegations 1. Plaintiff is the assignee of Defendant 's account with XXXX XXXX XXXX 2. The amount in controversy, exclusive of interest and costs, is less than {$25000.00} On XX/XX/XXXX, I filed with an Answer and Affirmative Defenses to Plaintiff 's Complaint. I denied all of the Plaintiff 's Claim for Relief and provided my Affirmative Defenses : 1. Lack of Privity. I asserted that there is no contractual relationship of agreement between the plaintiff, or the plaintiff 's assignor and the defendant. Specifically, I never entered into the contract of agreement alleged in the Complaint, and I am the victim of identity theft and the account, contract or agreement was created with my knowledge or consent. I therefore report this complaint to the Consumer Financial Protection Bureau of identity theft and ask for your assistance,
|
| 10/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX received a certified letter disputing an account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received only a letter from XXXX stating they needed additional information to verify account holder information. The letters I sent all included my address and a partial account number they were reporting to the credit reporting agencies.
I re-ran my credit report 30 calendar days after the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone makes them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] After I verified that the XXXX had not even communicated that the account had been disputed to the credit reporting agencies, I sent another letter letting them know they were in violation of federal laws. I received nothing back from them.
XX/XX/XXXX, I sent a third letter telling them that the account remained undisputed on my credit report and that my intention was to file a complaint with the FTC, and sue them for willful noncompliance with the FCRA 623 ( a ) ( 3 ).
I have found out since that even though XXXX has received all my letters requesting proof of any sort of debt, the account was sold to a company named DNF Associates. They ( DNF Associates ) have since begun to harass me and my parents. They contacted my parents and told them they were attorneys, and were needing to speak with their son ( me ) concerning an urgent legal matter. I called the number the next day and talked with a man named XXXX who was trying to verify my identity by asking if " I was the XXXX who had a bankruptcy in XXXX. '' Clearly these individuals have no intention of doing the right thing.
The information they are reporting is incorrect and fraudulent. I have acted in good faith and gave them an opportunity to send some sort of contract, or proof of a debt.
I am requesting that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap. My next step is to contact a lawyer to litigate due to harassment, and defamation.
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.
This complaint is due to the Consumer Credit Transaction with t
his companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.
|
| 08/11/2017 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XXXX XXXX XXXX @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX XXXX @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL . w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for ****** ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, DNF ASSOCIATES LLC & XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from
|
| 05/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In reference to a Charge-Off, Written-Off Amount, and Balance Amount appearing on my personal credit report for XXXX BANK XXXX XXXX XXXX I recently received notice in a letter dated XX/XX/XXXX, from DNF ASSOCIATES LLC that a FORM OF ASSIGNMENT AND BILL OF SALE closing date occurred on XX/XX/XXXX. Which also acknowledged in the FORM OF ASSIGNMENT AND BILL OF SALE that the closing date for Pools shall be on or about XX/XX/XXXX.
XXXX BANK XXXX XXXX continues to update and modify the Charge-Off, Written-Off Amount, and Balance Amount in violation of 15 U.S.C. 1681g. XXXX BANK XXXX XXXX continues to report a Charge-off, Written-Off Amount, and Balance Amount at the same time that would be inaccurate, false, and incorrect. While at the same time, DNF ASSOCIATES LLC alleges to be the owner of a FORM OF ASSIGNMENT AND BILL OF SALE closing date that occurred on XX/XX/XXXX. Yet, DNF ASSOCIATES LLC failed to validate how debt is owed by me to XXXX BANK XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC fails to validate the specific form of assignment that carries the contractual agreement with it.
I dispute that XXXX BANK XXXX XXXX is my original creditor and that XXXX BANK XXXX XXXX is my creditor past or present. I further dispute that DNF ASSOCIATES LLC is my creditor or current creditor and dispute that DNF ASSOCIATES LLC holds enforceable security interest to collect on a debt in their name as my creditor. DNF ASSOCIATES LLC is not my creditor and should be removed from my credit report as my creditor.
DNF ASSOCIATES LLC failed to timely validate the debt that is alleged to be owed to XXXX BANK XXXX XXXX. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXX BANK XXXX XXXX that was transferred or sold. XXXX BANK XXXX XXXX through admission from DNF ASSOCIATES LLC of a FORM OF ASSIGNMENT AND BILL OF SALE has no right to report any such Balance Amount on my personal credit report. The Charge-off, Written-Off Amount, and Balance Amount are incorrect, inaccurate, and false reporting.
|
| 10/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
First, I found this collection on my credit report and I disputed it.
Then I had a letter sent to me at an old address but it was forwarded to me, claiming they bought some account of mine and I needed to pay them. I responded with a demand for validation and I gave them my correct mailing address.
They did not respond with validation. What they did is send information about me to a different tenant in the same building and actually addressed it to him. He is a lawyer and I guess they think they were being funny by harassing and intimidating me. The lawyer got my mail to me and I responded to DNF Associates letting them know that they didn't validate ( which I'm sure they knew because they didn't send anything I requested ) and I also called out several violations that they committed. I also told them to cease and desist all communication with anyone other than me.
Now I have received another correspondence from DNF Associates and again they intentionally addressed it to the lawyer they sent stuff they were supposed to send to me. It was basically more of the same XXXX they sent before, not validation, but personal collection information to embarrass and intimidate me AGAIN! This is after I gave them a cease and desist order and they absolutely know what they are doing. They aren't even addressing the envelope to me!
I have just sent them another letter. I will include the letters I have sent to them and a copy of the envelope that they sent to the tenant that is NOT me and who I specifically instructed them not to contact. The gentleman is NOT my lawyer and has nothing to do with me. We share space in the same building, we are both tenants, that's it. I've never even met the gentleman. DNF 's behavior is criminal and ruthless, violating federal law over and over again.
The only thing they did correctly is to remove it from my credit reports, which they had no authority to furnish to in the first place as I had never consented and have never done business with them.
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a XXXXXXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' Diverse Funding LLC XXXX. Called Diverse Funding LLC and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase.
XXXX
|
| 04/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
DNF Associates filed a lawsuit in XXXX XXXX XXXX. Not sure how as do not even know this collection agency. False claims filed in court without contact to me without providing a legal valid debt by law. Old debt XXXX I have sought legal rights which is to wait it out from hardship that I have no assets or garnishable income. I can file bankruptcy any day if needed. However too old of a debt that was discharge by XXXX that am not sure how this was obtained as a write off by XXXX if they sold an old debt but regardless legal debt practices were not followed. Not sure why 2 copies of debt paperwork that is most likely hacked sources would be accepted by a court and why questions are not legally asked on attempts from them. This is illegal debt practices by law. Bill of sale also does not have DNF signature. 3 signatures same name. Not notarized. My name is not on documentation. From XXXX and never been contacted by them. Bill of sale has XXXX XXXX XXXX XXXX XXXX and DNF is listed but no where am I listed with sale amount. An attachment of the debt service from this is provided however no where on Bill of sale is there any legal binding to any debt owed. XXXX XXXX was debt holder at the time of XXXX of my account was the only owner of debt and seems odd namage of non binding XXXX on Bill of sale to gain funds illegally with no contact at all by named DNF in lawsuit. Debt is a minor amount that attorney fees would be above debt that appears harassment and other illegal activities. Named attorney XXXX XXXX XXXX I have had other harassment in the area and difficult time in comparison to others I know whom have had debts. I did attend high-school with a XXXX XXXX and I believe they are related to XXXX from reading about XXXX and XXXX. XXXX works at XXXX in XXXX XXXX. Another XXXX was at a doctor 's appointment when do not think he was an employee that was reported to the FBI. He wanted me to sign an unlawful pre-written document at time of doctor 's appointment for work injury.
|
| 02/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have got many calls from XXXX XXXX XXXX ( XXXX ) staff XXXX XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX.
When I called XXXX to report XXXX, I found out that XXXX is faking to be XXXX member using a fake certification # on their website. XXXX Executive director has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that XXXX is not a member. Please see attached email communication.
When I called XXXX to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, XXXX XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX and Attorney General. Thank you.
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false.
XXXX responded " Trade : XXXXXXXX XXXX XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with XXXX XXXX XXXXXXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account witXXXX XXXX XXXX XXXXXXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report.
XXXXXXXX XXXX XXXX XXXX has no right nor authority to transfer or sell this account to DNF ASSOCIATES LLC, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX XXXX XXXX. DNF ASSOCIATES LLC fails to validate how debt is owed by me to XXXXXXXX XXXX XXXXXXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXXXXXX XXXX XXXX XXXX that was transferred or sold.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may 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 your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
|
| 04/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX in regards to a past due debt owed to DNF Associates on XX/XX/XXXX.
To my knowledge, I have no contractual obligations or have never had a business relationship with DNF Associates. My wife, XXXX XXXX, called XXXX on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who XXXX and DNF is and why they would be suing me, she asked them to provide validation of this debt.
Shortly thereafter, I received the documentation showing I owe a balance to DNF who purchased a charged off debt from XXXX XXXX on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute.
When XXXX XXXX charged off this debt, they sent me a 1099 - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX is no longer pursuing this item for collection.
DNF Associates did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to DNF was from their servicer, XXXX who is now threatening litigation on the past due balance.
The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to DNF Associates.
|
| 03/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XX/XX/XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX XXXX never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and 3 ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt.
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.
|
| 04/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a phone call in XX/XX/XXXX from XXXX representing DNF Associates saying I owed on XXXX XXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing DNF Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from DNF showing I own this account. Then beginning in XXXX I received contact from DNF through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX DNF added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report
|
| 09/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted on XX/XX/2018 by someone claiming to have a claim in his office which is DNF Associates about an old auto loan/ repossession from phone number XXXX which he said I needed to call by XXXX the following Monday are legal action would be taken but when I called the number back it was not a working number. He threatened that if I did not take care of this matter that day legal action would be taken against me I told him I was not sure of this debt he claimed to had and he continued to harass and even laugh at me about the situation. Even informed me that I had a XXXX credit card and that I needed to use that to pay him that he saw it had a nice size available balance that they would accept after he said he found it on my credit report even mocked me for disputing information on my credit report. I explained to him that I had to look over information and finances and I let him know I have never received any information from him are his company. I contacted the original creditor they gave me the name and number of XXXX XXXX at XXXX.She informed me that DNF Associates was not suppose to contact people that they are suppose to use out side sources to do so. This debt is reporting incorrectly I was never informed by the original creditor that the car was being sold are detailed information about the debt they claim that is left over from the sale of the vehicle.
|
| 05/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was young and stupid, had a addiction problem and was having a baby. Wanted to buy my girlfriend a very nice promise ring. So I did. Ended up getting fired from my job I had. And could not make a payment whatsoever. Tried explaining to XXXX then DNF. I told them I would possibly be able to make a payment around XXXX , XXXX 2017. B ut could n't. Was unemployed. I really learned my lesson, but there should be a forgiveness of this. I am just now XXXX , getting my life together. And ca n't even get another credit card or bank account due to this. I do n't quite think company 's understand the harsh impact on young adults in this type of modern day economy/society. I am asking for this to be removed from Derogatory. I need to balance my life back out and start over. DNF ASSOCIATES, LLC. XXXX XXXX XXXX XXXX , OH Another thing is the amount of inquiries I have on my report. Literally I do not understand how they have legal rights to sit and camp out on my report when they knew they were going to turn me down to begin with. I will list the companies and the dates in documents below. I am trying to start over. And o have not done anything to not deserve a chance to re-new. For all of you young folks, do not!! I repeat do not!! Open a account with ANYONE! Until you have your life together, or just have mommy and daddy to cover you.
|
| 11/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX From XXXX XXXX XXXX XXXX ext. XXXX, representing XXXX XXXX, XXXX. sent me a written agreement to pay a charged off XXXX credit card. The settlement amount was {$2900.00}. The amount was to be paid making monthly payments that started on XX/XX/XXXX. I have made every monthly payment since beginning this agreement. On XX/XX/XXXX XXXX XXXX from XXXX XXXX ext. XXXX, called claiming the " verification of employment was now scheduled ''. When I returned his call I was informed that he was now collecting on the original XXXX account. He said he too worked for XXXX XXXX, XXXX and claimed I had not made any payments. After further conversation he said he was mistaken, I had only missed the XX/XX/XXXX payment. I had proof that I made that and all payments to XXXX XXXX at XXXX XXXX XXXX. He then told me that my current balance with XXXX was over {$3000.00}, which is more that the settlement amount that XXXX XXXX had given me in writing. He went on to explain that he " may '' be able to get me the same settlement amount but needed to know when I could pay the balance because this might help my case. I told him that his information was incorrect and that he needed to get everything in writing and send it to me. I have not received anything yet and do not want a lawsuit because of unlawful debt collection practices.
|
| 12/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE SENT A LETTER TO DNF ASSOCIATES REQUESTING VALIDATION OF THE PURSUANT 1006.34 AND CONNECTION TO 18 U.S.C. 1029 credit card fraud, WHICH THE COMPANY RECEIVED AND SIGNED CERIFTIED GREEN CARD ON XX/XX/2023. I HAVE YET TO RECEIVE ANY DOCUMENTS REGARDING THIS STOLEN INFORMATION.
This alleged debt is disputed entirely under 12 CFR 1006.34 ( c ) ; this is a notice of validation of the debt and account opening. I have never applied for this credit card, and I do not have any knowledge of or access to this credit card. But my credit report shows you are reporting a XXXX XXXX XXXX XXXX ; I do not know how this account was opened! Once again, I do not have any acknowledgment of this card, so I can not provide any information about this fraudulent card being reported on my credit report. Please send the validation for Pursuant 12 CFR 1006.34. Please provide all documentation showing that I applied for this credit, how this credit card was used, and reflected on my credit report under my name and the last XXXX digits of my SSN. Please close out this account ; you have 30 days to respond. Since you can not validate this account, please delete this account from all three of my credit reports and send me a letter showing proof of removal to the address above.
|
| 04/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by your company. Specifically, that XXXX has placed my account for collection and selling my information to DNF without my consent of communicating to any unauthorized third party and without XXXX providing me with an opt-out disclosure in our initial transaction, you are in in violation of 15 U.S. Code 1692c.
As evidence of this violation, I have attached a copy of my consumer report, which shows that your company has placed my account for collection with the notation that the original creditor was XXXX. However, I have not given consent for my personal information to be shared with DNF Associates.
This action by your company has caused me harm, and I am requesting payment of {$1000.00} for the violation. I request that you issue a check for this amount no later than 10 days after receipt of this letter. If this matter is not resolved within the allotted time frame I will take legal action against DNF Associates. I am demanding to cease all communication and reporting of this immediately. Do not contact me unless informing me of the remedy requested. The requested response must be made by affidavit.
Sincerely, XXXX XXXX
|
| 06/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2023 I received a summons from XXXX XXXX court that a collection agency named DNF Associates LLC has filed a complaint to collect on a debt from a credit card XXXX. The information I received from the court had the account number blacked out. On Monday XX/XX/XXXX, I contacted DNF Associates LLC and spoke with XXXX at ext XXXX. I advised her that I had no knowledge of such debt. I also advised I did not receive any notification regarding this debt. She acknowledge that NOT correspondence was ever sent to me about this debt, which violated the fair debt reporting act which allows me, by law, 30 days to dispute the debt. XXXX did not express any concerns about my rights not being exercised, and threated to proceed with taking me to court. I told XXXX that I did not owe the debt. I told her that I did not recognize the card and I was offered no correspondence to from their office where I would have disputed the debt. She was proceeding to try to make some type of settlement arrangement for 80 %. I thought possibility it was my ex wife, but I told XXXX that I was not sure. She again that her company has never sent any documents and she verified my address. They also never called me about the debt to dispute.
|
| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A year ago someone from DNF Associates LLC contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.
|
| 08/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
Back in 2008 I worked for a XXXX. What I did not realize was that one of the employees had a XXXX. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX.
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse.
I have been contacted by XXXX to collect a debt for DNF Associates and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is XXXX, my granddaughter is only XXXX. My son works for the XXXX They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case.
XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family.
Please let me know what I can do to have this stopped.
XXXX XXXX
|
| 09/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/2019 My mother was contacted by a company DNF Associates? regarding further termination of working with XXXX XXXX? Stating that my PARENTS needed to verify ALL of their information, INCLUDING their social security numbers in attempt to send a notice to ME.
First of all, my parents NOR me are associated with XXXX XXXX in any way.
I believe they use this as a tactic to be called back.
When contacted, the company had MY social, MY address, and MY phone number, and I have NO idea how they got me parents information. I am NOT a minor, and the debt they are claiming to try and claim, is not associated with my parents in ANY way.
When on the phone, the guy was very rude and abrupt and stated that IF he sent ANY sort of validation, that I could not settle the debt and the attorney would take this to court. I asked was it not my right to see what they said I owed? Very rudely, he said yes, he could mail my a validation but then it was out of his hands and there was no way he could help me and I would be sued.
In addition, to being rude, and abrupt, he has no legal right to contact my parents, as I am not a minor and he legally had ALL of MY information on file.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got a loan for a XXXX XXXX from XXXX XXXX for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier.
Following this they sold the debt to DNF associates as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire XXXX XXXX listing in my credit report, but also the collection account from DNF associates.
( By the way, the DNF balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with XXXX XXXX, DNF associates and all 3 credit bureaus. Please help!
|
| 01/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my credit report ( XXXX ) and saw an account by a company calling themselves DNF Associates LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX.
I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to DNF, their parent company Diverse Funding Associates LLC, and their Registered Agents with no results.
According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail.
DNF Associates, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit DNFNotice91721 and related documents ) The packet ( attached ) was sent to DNF Associates and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.
|
| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX I was furloughed from my full-time job due to the Covid-19 and I wrote my part-time job to informed that I would not return to work as well. I applied for unemployment on XX/XX/XXXX, because I received a letter from my full-time that I would be furlough till XX/XX/XXXX. I got approved for unemployment on Effective XXXX XXXX - XX/XX/XXXX but no longer receive due to returning to work at the part-time job. However, due to Covid-19 my full -time position was no longer needed per CFO. I decided to return to my part-time job on XX/XX/XXXX. Well on XX/XX/XXXX, I received a letter that my pay check will be garnish on XX/XX/XXXX and I was never at work to received the Process of Garnishment letter because I was out on leave and I was unable to respond in the 30 days time frame to the Debt collector. Now I am being garnish for {$6000.00} and not able to reduce the percentage. I feel that this is unlawful and I never even sign any court documents in the first place to even get my wages garnished or to know that my wages will be garnish. I feel that both parties should be held responsible.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is a follow up complaint to an initial complaint.
On or about XX/XX/XXXX DNF associates placed a trade line on my XXXX credit report.
After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX.
The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX.
DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX.
Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.
|
| 08/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
I received a telephone call from XXXX XXXX for a debt owed to XXXX XXXX XXXX ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!
|
| 04/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have never done business with DNF ASSOCIATES, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
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| 03/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, DNF Associates, XXXX XXXX, are violating my federal rights and I am seeking direct legal action against all.
Debt : XXXX XXXX installment loan 1. These companies/ entities are attempting to sue me without prior notice.
2. These companies are attempting to sue me in a state I do not live in nor the state the contract was signed.
3. The debt is past Statute of limitations.
4. I have contacted attorneys in my state of residence and the state they operate in and I am starting legal proceedings against all 3 agencies in said state.
5. The state signed is not the state I resided in when the debt went to collections.
6. They are using an address in the state they operate in as a possible address I live at. I have disputed this address since it first reported on my credit accounts around XXXX of 2022. I never lived at that address and have a sworn affidavit attesting to that.
7. The original loan contract which they are bound to abide by, states arbitration and not civil court.
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| 07/31/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I first received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX of 2017, their letter which is attached was dated XXXX/XXXX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XXXX/XXXX/2017, which clearly shows they totally ignored my letter which they received on XXXX/XXXX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking XXXX XXXX XXXX XXXX XXXX XXXX. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able to make any communication on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXXs also violating the FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.
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| 06/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Account Number : XXXX Original Creditor : XXXX XXXX XXXX Amount Listed on Credit Report : {$630.00} On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the In-House Collection Agency. I was given Ticket number : XXXX regarding my call and inquiry. She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX and XXXX and none of these amounts are familiar to me.
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| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau.
Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XXXX - XXXX XXXX {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
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| 04/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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DNF Associates placed a collection account, for the original creditor of XXXX XXXX XXXX, on my credit reports on or around XX/XX/2023, in the amount of {$5600.00}. Prior to this item being placed on my credit report, I had not received any contact from DNF Associates -- no phone call, no postal mail message, no email, nothing. In short, I was not made aware of this debt by DNF Associates as required by the FDCPA and FCRA. DNF Associates did not ever provide me with a notification of this debt, a debt validation letter, nor an opportunity to dispute this debt, as is required by law of DNF Associates. If DNF Associates has proof that they attempted to contact me and have sent me all required notifications and opportunities to dispute this debt, I welcome them to supply it in their response to your office. DNF Associates is also not a licensed debt collector in Washington state, as is required of them to collect debts from Washington state residents.
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| 06/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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XXXX XXXX XXXX representative " XXXX XXXX '' has called me at work on multiple occasions. If I am not working on a specific day she will contact my workplace everyday until she reaches me. The collection agency also has my personal number for which I have cooperated with them and attempted to set up a repayment plan to resolve my debt. I have asked that they do not call my work after setting up the repayment plan and XXXX XXXX agreed that she would remove my number. This is a matter that my colleagues at work should not need to hear discussed as it is embarrassing. After submitting my verbal request XXXX XXXX continues to call my workplace stating she hasn't been able to get in touch with me by phone. I always return her calls because I feel the need to remain complaint with my current arrangement however money is tight and I missed a payment for which has resulted in the collection agency calling my workplace in addition to my personal number.
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| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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There is this account on my XXXX credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was XXXX in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX and XXXX also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.
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| 06/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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A company called XXXX contacted me on two separate occasions, once on XX/XX/XXXX and again today, XX/XX/XXXX. This agency was looking for my sister, XXXX XXXX. On XX/XX/XXXX I told the company that this was a relative 's phone number and i was not to be contacted. I called my sister to notify her of the call and she let me know that they had called her before they called me. So they knowingly had contact with her and her contact information, but couldn't make progress with her so they contacted me. This agency was trying to collect a debt for a company called XXXX and associates ( XXXX ) XXXX. I am being harassed for a debt that does not belong to me. I also live in a different state than my sister and have a phone number that was obtained years after any date that we lived in the same household. It seems that i was tracked down by personal information to get in contact with my sister when they already had her contact information.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I requested in my Validation letter dated XX/XX/XXXX which XXXX XXXX XXXX XXXX fail to validate all of my request. XXXX XXXX XXXX XXXX sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, DNF Associates LLC obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by XXXX XXXX XXXX XXXX that bares my personal signature. XXXX XXXX XXXX XXXX did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a Bill of Sale that shows DNF Associates LLC the Seller of my private and personal data. And XXXXXXXX XXXX the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.
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| 05/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I just reviewed my XXXX credit file and found out that there is a collection account on my credit file. The name of the collection agency is DNF ASSOCIATES .Account was opened on XX/XX/2020. The dollar amount is {$2000.00}. I believe this Collection is a result of identity theft. I am including the police report with the city of XXXX that I filed that my account at XXXX XXXX XXXX was compromised my mail was compromised in my social security card was Stolen.This collection company has never reached out to me By law I have 30 days to respond back to any correspondent that send to my address.
I would like DNF Associates to reach out to me regarding this collection. I have opened a dispute with TransUnion. DNF Associates is in violation of fair debt collection Act I have never signed any contract with dnf Associates. I have never done any business with them and I never received anything from them.
|
| 07/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
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I had a missed call with a voicemail from an XXXX company. They kept calling me and so I called them back. I spoke to a gentleman who told me that they had been sending me emails ( I don't receive emails to that email address ) I then asked for proof of debt which he then hung up on me... I called back to talk to another associate and a woman answered the phone. She said that they have been sending letters to my house but I have not received any letters from them. I explained to her that we've had about four different mail carriers in the last year and she got real sarcastic and said I apologize. That's my fault... She then started getting real upset and using foul language... Which then I told her to quit harassing me especially when they will not send me proof of debt with my signature on showing that I have signed for the loan or credit card, whatever it is...
|
| 06/13/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the XXXX XXXX XXXX. I was given Ticket number : XXXX regarding my call and inquiry.
She advised I call XX/XX/2021 when the BA DEAPARTMENT is open.
Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.
This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX and XXXX and none of these amounts are familiar to me.
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| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I have attempted to contact this creditor but they will only accept mail correspondence. When I call numbers reported on my credit reports they are unable to pull my account up and am directed to mail correspondence for their credit customer service department. This account was closed XX/XX/XXXX and XXXX payments were made towards this debt when it was open XX/XX/XXXX and yet they are reporting that payments were made in XXXX. My reports say this debt was sold to DNF Associates and yet the address and contact information takes me to the original creditors site. I have attempted to contact DNF Associates as well as XXXX XXXX to settle this debt without any luck and would like it removed from my credit reports immediately. The debt continues to be validated with the credit bureaus when disputed and yet I am unable to get in contact with them to settle the debt.
|
| 05/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Upon review of my recent credit report, I noticed a negative collections account reported by DNF Associates that I have no knowledge of. I have never received any correspondence via mail, phone or email to dispute any collection accounts. To resolve this matter, I sent a dispute letter to DNF Associates on XX/XX/2023, and over 30 days has passed with no response.By not replying in a timely manner to my initial letter on XX/XX/2023 DNF Associates have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. DNF Associates have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts. I would like this negative item removed immediately from my credit report.
|
| 10/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
|
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I found out I am being sued because I have been receiving advertisement by law firms stating that I am being sued by a company called DNF Associates llc I have contacted them and was referred to another company and phone number where no one answers I have faxed them called them, and emailed them and to date I do not know who is suing me, or why. No one has informed me, or never contacted me as to who they are, and what the debt is for or how much is owed. I believe prior to submitting a lawsuit against me I had the right to know what the debt is for how much, and if the debt is mine try to make a payment arrangement. What they have done is unfair, and the only way I was able to find out about it is through advertisement The phone number I keep trying to call the one listed on their lawsuit is XXXX, and there is never an answer
|
| 05/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is not my debt with XXXX XXXX! My Identity was stolen and I will be writing a letter to you to have this account closed and ceased collections. I need you to instruct the 3 major credit bureaus XXXX, XXXX and XXXX to delete and remove this account. It is a pandemic and this company is trying to collect payment from me, when I can't even collect toilet paper from the store. I find it highly unethical during these times people are selling " alleged '' debt. I will be filing complaints with the XXXX, CFPB, FTC and any other company that will accept complaints until this account is deleted completely! I will remove complaints and negative reviews once the company sends letter stating that they will delete and remove these accounts and contacted the reporting agencies if it has or was going to report to my credit. Thank you
|
| 11/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for XXXX XXXX XXXX XXXX XXXX for account XXXX. This account is one fraudulent account included in my identity theft.
|
| 04/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I noticed a negative report added to my credit bureau by DNF Associates today. I never received calls or mail and nobody validated this Debt. I dont know this company DNF? Nobody attempted to call me for any debt or mail me letters for this debt? How is it that this is reported to the credit report without any communication? No letters, no mail, no calls? There were no calls or mail sent to me by any companies so why would they go ahead and add it. This is a violation of the fair credit act and a violation of my rights. I would like this removed from my credit report since it is a violation of the fair credit act. I did not receive and call or any mail to validate any debt. There were no communications received from either company. Please remove this from my credit bureau at once.
|
| 11/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/XXXX I received a text @ XXXX XXXX Asking if this is XXXX XXXX phone I responded back asking who is this So I called back it was a collection agency demanding that I pay {$600.00} for a credit card I have never owned dating back to XXXX the guy wouldnt give me a chance to speak he asked me what credit card I want to use to pay the {$600.00} after explaining I do not owe anything because I never owned the card Indigo credit card, He said he was going to put it into my credit report and hung up on me 10 minutes later I received a call from my brother saying that someone text his Phone asking if was XXXX XXXX phone So somehow someway they hacked my phone to see the last number I was communicating with I am also filing a complaint with the attorney general of New York
|
| 05/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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DNF Assoc is listed on my credit report as a collections account. I have been trying very hard to rebuild our credit, and this account is a problem. According to my credit report this was reported in XX/XX/2020, amid the pandemic.
I was not given any notification of this debt, nor have I been contacted since this debt has been added to my credit report. How can you report a debt to the Credit Bureau, especially in a derogatory manner without giving any kind of notice to the creditor? I wasn't even given the chance to settle this account.
I have contacted you several times, I was told my account is CEASE Pending. still no results or resolution. I am not even clear what account this is for. I expect this derogatory mark to be removed from my Credit Report immediately.
|
| 06/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
|
| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Asked them to validate the alleged account by sending me a LEGAL signed contract. All they sent me was statements for a name that is not mine at an address I do not know. But no legal contract proving I owe this debt or ANY contract that I would have with them that would give them any right to collect the debt AND report this item to the Credit bureaus! Therefore they are illegally reporting this account to all bureaus, thereby being HIGHLY injurious to my credit reports AND my reputation AND hurting my chances of obtaining ANY credit in the future!
I NEED THIS ACCOUNT REMOVED FROM ALL CREDIT REPORTS AND FOR THE COLLECTION EFFORTS TO STOP!
I am ready to file suit against them if they fail to legally and accurately respond to my latest letter datedXX/XX/2021
|
| 03/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
On XX/XX/2020 this info was posted on my Credit report, Potentially Negative Major Derogatory is collection Yes, Open Date XX/XX/2020 payment status Grid Code G ( collections ) XX/XX/2020 amount {$1200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX XXXX Validation of debt transfer was not confirmed? Where is this debt coming from? Companies involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX and XXXX? us/dnf-associates-LLC.html Foreign Limited Liability Company XXXX XXXX XXXX XXXX Ny XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX. Last I hope these people didn't send the US Marshals to my house, with AKs and guns.
|
| 11/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
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I will make this short, brief and accurate as possible. For the past 6 years, DNF associates have furnished my private personal data to several debt XXXX without my permission. I'm only submitting 3 years of debt collection emails and letter. Dates starting back on XXXX XXXX at XXXX am to XX/XX/2023, at XXXX am I have a lot more which would have been too much to upload. DNF Associates, show a signed document between me and your company giving these debt XXXX access to my private personal data? This is definitely a violation of the FDCPA. This debt is also a Time-Barred debt. In my state of Texas, a debt collector has 4 years to collect and sue for an alleged debt owed. In XXXX XXXX XXXX and XXXX XXXX XXXX violated the FDCPA. See attachments for more details.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Upon review of my recent Credit Repot from XXXX, I noticed a negative item reported by DNF Associates. On XX/XX/2023, I sent a dispute letter to XXXX to resolve this matter, and 30 days has passed with no investigation. XXXX is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you XXXX has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.
|
| 12/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I am being sued by a company ( DNF Associates ) that is not a registered entity in my state of AZ. The XXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor XXXX XXXX that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
DNF Associates, LLC, is debt collector, who filed a lawsuit against me on XX/XX/2023, I first found out about this lawsuit and Default Judgement on XX/XX/2023 after searching court records. DNF Associates, LLC has never communicated with me about this debt. I never received from DNF Associates LLC, who is a debt collector a validation notice, that is required by law, that would state the amount of the debt, that I could dispute the debt and who the original creditor was of this debt pursuant to 1692g of the FDCPA. I was never served with a complaint and summons, and have no idea what this matter is about. DNF Associates LLC obviously used false service, as this matter is not in the same district that I live.
|
| 05/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
As of XX/XX/XXXX, this debt was paid directly with the original creditor. I have reached out to the organization requesting assistance. I was told they could not assist me because I was not paying them directly. In fact according to the amount the company representative indicated I owe shows I have made overpayment and am due a refund. They show no payments since XXXX and were unwilling to follow up stating the company takes 120 days to report a payment, at this rate it would be years before this debt would show paid in full.
If I am paying, why won't anyone help to satisfy what is owed, is it because DNF is not receiving any money for receiving payments from me. This is inappropriate business practices.
|
| 01/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed DNF associates to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to DNF associates. I am trying to have this resolved appropriately and removed from my name.
|
| 05/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On XX/XX/2021 I received via US mail a communication that was post marked XX/XX/2021 from DNF Associates. Upon opening this envelope, the contents were found to be several credit card statements from a " XXXX Mastercard '' company. There was no letter addressed to me nor an explanation of why I was receiving this communication from DNF Associates. Upon further review, I have come to the conclusion that I am unfamiliar with the information which was sent nor have I been associated with " XXXX Mastercard '' if this account was opened, it was opened fraudulently without my consent. If this communication is an attempt to collect a debt, DNF Associates failed to advise me of this.
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX. AKA..
XXXX XXXX XXXX. Sold this Account to XXXX XXXX XXXX. I Mailed a Validation Letter to XXXX XXXX XXXX. I got No Response from them Then received a letter from DNF Associates stating that the Account was Sold to them from XXXX XXXX XXXX. I Contacted XXXX by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. XXXX stated the Account was Sold to XXXX XXXX.
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and XXXX XXXX in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and XXXX XXXX for the Same Account. That is illegal according to the FCRA
|
| 10/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I have started receiving all these attorney letters stating a company named DNF associates filed a lawsuit against me for an unknown debt of XXXX no name or what the debt is ... I havent received documentation nothing about this debt I dont even know what this alleged debt is for??? They have not attempted to contact me or anything Im disputing this ... .I can not have a judgement on my credit report for a debt I dont owe or know ... COURT!?? Are you serious garnishment who are these people court case is XXXX ... .I dont want a judgement for some allegedly as little as XXXX ... .i work hard to maintain the decent FICO score I do have ... AGAIN I am disputing this debt
|
| 12/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX of my relatives received a phone call from XXXX to locate me but they refused to provide an information. I called them and they said I have an unpaid debt from XXXX XXXX and did not provide me enough information but only provide a named XXXX XXXX. Also, they refused to tell me which company they are calling from and threaten to file a lawsuit against me. I tell them I will call my creditor for more information. Later on, I spoke to the creditor, they provided me the 3rd party collection information called DNF Associates ( who actually is handling my account ). I called XXXX XXXX and told me to get information for DNF. I realized this guy was being shady.
|
| 01/03/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as DNF ASSOCIATES LLC, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact XXXX XXXX but only him.
Phone number : XXXX Associate : XXXX Calls : XXXX PST, XXXX EST, XXXX PST.
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Sent 3 emails to my daughter about a debt they want to collect and gave her all information about the debt including original creditor, debt amount, etc. This is an explicit FDCPA violation. The email address was created BY MY DAUGHTER several years after the debt was incurred, was never associated with the account and she lives in a different home than I do and has for 4 years.
If they are sending to her then I don't know who else they are sending this same information to in a blanket attempt to collect an old debt they purchased from the original creditor. CFPB should request this information and take further action based on who else they contacted.
|
| 08/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents.
I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old XXXX Collector refuses my attempts to settle.
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX and DNF Associates LLC in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
After careful review of my consumer reports, I noticed an account on my report from Dnf Associates, LLC. Case # XXXX I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and XXXX. As I know that only a contract/signed agreement between Dnf Associates , LLC. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement.
|
| 04/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back in XXXX of XXXX I have reported a lost/stolen card and fraud activities on my XXXX credit card with XXXX. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. XXXX have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now XXXX have sent the whole amount to collection and the collection company name is DNF ASSOCIATES, they are keep sending me emails, non stop phone calls.
I am attaching my proofs again.
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 a collection letter was sent to me by DNF ASSOCIATES add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, DNF ASSOCIATES LLC has violated my rights as a consumer and I'm requesting legal action to remove this account legally
|
| 09/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Sent request fo rfull medial validation within 30 days of receiving dunning letter which included requesting only written correspondence no phone calls. Checked with department of the treasury Division for Revenue and Business Enterprise on XX/XX/2016 and was informed that Diverse Funding Associates does not have a collection agency bond or license to collect in the state of New Jersey. They are illegally attempting to collect on a debt which is in violation of NJ Law. Informed company in writing via certified mail they are illegally attempting to collect. Did not provide full media validation as requested
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 10/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Starting on XX/XX/19 calls places to three different phone numbers with a message about being severed documents. Upon contacting company was told a server would be out at noon. Company proceeded to contact more numbers in regards to the issues. Company threatened that much legal trouble would result by not paying them. Tried calling again each representative use the same bully agrresive tactics. Lie and say no one has called and they havent talked to know one. Ask company info they say XXXX XXXX based out of California. Had to call original credit card company to get truthful information.
|
| 06/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment.
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.
|
| 08/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
My account with XXXX XXXX was given to C & E Acquisitions the company transferred the file to XXXX XXXX XXXX, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. XXXX XXXX XXXX threaten on several occasions to take legal actions. So I have filed a complaint with AZDFI over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was activated XXXX times during the time in which I had the account.
|
| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was paid. In full XXXX XXXX XXXX XXXX was taking XXXX XXXX out of my bank acct monthly.From XX/XX/XXXX Until XX/XX/XXXX .I have bank statements to prove it.
Since they sent a summons I file a couple of the statements with the. Clerks office. On XX/XX/XXXX I do have more bank statments if needed.
I truly believe since the company has exchanged owner ship of the debt 3 times.It may have been lost in the shuffle XXXX XXXX?
XXXX XXXX they took all my money.
XXXX XXXX XXXX - if they touch XXXX XXXX I will sue them.Its paid in full.
|
| 03/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I submitted a letter asking XXXX/ DNF Associates to validate the debt. Neither XXXX/DNF Associates sent any information showing my signature on any contract that was sign with either of them. DNF Associated mail me a letter asking for a payment in the amount of {$150.00} as of this day I have n't received anything. I even sent a dispute to the XXXX credit bureaus asking for the same information and I have yet to receive it. XXXX said it was verified I asked how what documents were produce. NONE! so how was this account verified.
|
| 01/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have contacted this company, XXXX in XX/XX/XXXX and XX/XX/XXXX and was informed on XX/XX/XXXX that the debt in question was bought by another company, Multi Source International on XX/XX/XXXX. So I sent a request to validate to the Multi Source International on XX/XX/XXXX and XXXX stated in a letter that they also forwarded the request. But to date, the company has not replied to my attempt to validate this debt that they claim belongs to me. But XXXX continues to report this in accurate debt on my credit file.
|
| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2023 I talked with XXXX XXXX XXXX and offered to settle a debt. They brought up all the other debts I owe, including to XXXX and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.
|
| 11/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector called me stating that I owe this alleged debt. I questioned the validity of the debt and and they stated that they were sending documents over. I am requested all documents original creditor, address, amount of the alleged debt and my wet signature on the alleged contract. As pursuant to 15 usc 1692c ( c ) I am demanding that this company and whoever else is affiliated with this company needs to CEASE and DESIST on all mediums.
|
| 10/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Received a letter from XXXX XXXX XXXX ( DNF Assoicates LLC ) date XX/XX/2019. I responded with a debt validation letter on XX/XX/2019 ( certified delivery via usps tracking # XXXX ). I asked them to validate and to also cease communication except via mail. Someone called my cell phone today from their company stating they sent me a letter in the mail ; I haven't received anything. I will be filing suit for FDCPA violations.
|
| 06/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this card for over seven years. I told the company I never received the card and they had taken it off my credit reports. I just got in the mail a day ago that this account ended in XXXX and was sold to a third party DNF associate 's phone number is XXXX. I tried calling and did not talk to a representative. I have been having trouble for a long time.
|
| 06/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was informed by letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX that XXXX Mastercard Account Number Ending in XXXX was sold to DNF Associates. This account is a fraudulent account due to identity theft. On XX/XX/2020, I filed a Small Claims Case against XXXX XXXX XXXX XXXX in XXXX County, Texas. Case No. XXXX is supported by Police Report # XXXX, Officer XXXX, XXXX Police Department ( XXXX ) XXXX.
|
| 01/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account was opened XX/XX/2012 account to XXXX in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back.
Debt is not even valid ; and I formally request that this is removed and closed from my credit report. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.
|
| 08/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX owned by DNF Associates, LLC gives notice of an account balance of {$610.00} sold on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX who now is owner.
Although DNF Associated, LLC states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to XXXX XXXX XXXX XXXX XXXX of which I am confused about.
|
| 06/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is in response to : XXXX The document I received does not show that this debt is mine. My name is on the TO envelope but there is no information on the statement itself that shows this is my debt ( no ssn or last 4 digits, etc ). Please provide documentation showing that this debt is owed, for example, the contract that was signed to accept the debt.
|
| 01/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
DIVERSE FUNDING BOUGHT A DEBT AND RE-AGED IT. TODAY, WE WENT TO COURT TO DISPUTE THIS, WHEN I SERVED THE ATTORNEY FOR DIVERSE FUNDING PAPERS FOR A COUNTER SUIT HE THROUGH IT OUT HIS CAR WINDOW AND YELLED " YOU CAN XXXX '' VERY UNPROFESSIONAL. WHEN THEY WENT INTO THE COURT ROOM THEY DID NOT EVEN HAVE A CASE FILE FOR ME DUE TO THE FACT THIS DEBT IS SO OLD.
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I just recently reviewed my credit report. There are some inaccurate items listing on my report. Two accounts reflecting two different balances. I tried to get this resolved with the original creditor and the collection agency. They refused to correct the items and I would like for them both to be deleted from my report for inaccurate reporting
|
| 01/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They actually put this on my credit account and didn't notify me with any paperwork or anything and then refused to provide any documents for retaining my information i never received any notification from this company and the company ( the original creditors are still calling asking for money after selling my information to a collection agency
|
| 10/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
The company has violated my consumer rights pursuant to 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent. Illegally trying to collect a debt while being a third party debt collector.
|
| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
DNF Associates of New York has reported me to XXXX for a charged off debt that was first reported delinquent and last paid on XX/XX/2016. The original debt was issued by XXXX XXXX XXXXXXXX, charged off, and closed. However, this debt is now over 7-years old. I am concerned because this entry is adversely impacting my credit rating.
|
| 07/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A company called DNF Associates LLC, has started a lawsuit against me for a debt that I have no knowledge of. They have hired an attorney who has started the lawsuit in Missouri and I have no idea what it is for who I owe money to and why I have not had anything sent to me in the mail or been contacted by DNF Associates.
|
| 09/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company did not reach out to me in anyway via mail, email or phone to verify this debt or allow me or dispute it. In fact, they have not reached out it me at all. However, They added a collection account on to my credit reports, without following any of the legal requirements and procedures they were supposed too.
|
| 11/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have tried to resolve debit with XXXX XXXX by requesting information to prove debit.
1st issue, I requested Singed contract. No less than 4 times, none returned.
XX/XX/2018 letter sent stated acct Sold.
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
DNF ASSOCIATES at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY ) has been calling me constantly about a collection in the amount of XXXX. The collection has been reported as charge off. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.
|
| 12/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I sent a certified written request on XX/XX/2018 for Validation of this account. I have not yet received a response from this company and therefore this account should be removed from my credit report IMMEDIATELY. Per FCRA if debt is not validated within 30 days of written notice account must be removed.
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
DNF Associates which i am not familiar, is claiming that i owe them money for something that is not mine. I am requesting a validation of this so called debt by mail. I am retired and on ssi which means my income is federally protected. account number ending in XXXX, supposedly.
|
| 01/23/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company DNF Associates filed a report to XXXX in XX/XX/2023 that I owed money in the amount of {$14000.00} I asked them for a proof but they did not send me anything. This is hurting my credit and I want DNF to remove it from the credit Bureaus or send a proof.
Thanks
|
| 01/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Did not receive proper information about who they were collecting a debt for and a debt It's being charged with compound interest was threatened with XXXX XXXX {$2000.00} A-day warning if not paid Didn't receive notice on time for court appearance or anything else
|
| 01/13/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
Loan was open in XXXX no credit check k done did not know it was open until appeared on credit. I called and said I had to send driver license to proof it wasnt me I am not giving over phone. Called and got police report will not take off credit on
|
| 12/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 05/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.
|
| 03/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have made several attempts to contact this collection agency. I called the following numbers : XXXX, XXXX, XXXX, XXXX AND I also sent a message on the website XXXX requesting a call back to discuss the account.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
|
| 05/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt.
DNF Associates
|
| 02/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2018 and haven't heard any responses from the company. I have filed identity theft with The FTC.
|
| 04/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 01/07/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Diverse Funding bought a very old debt and placed a fake payment to re-age the debt. I have proof from my banking statements and institution as to when my last payment was.
|
| 04/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In reviewing my credit report, I see there is a collection account from a company I have never received a notification or phone call advising of this debt.
|
| 02/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report and saw an account from DNF Associates for XXXX XXXX. Theres no debt reported. Never received any notice of a debt owed.
|
| 01/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company is trying to collect a balance of {$1000.00} from a debt they purchased from XXXX XXXX XXXX XXXX that has a credit limit of {$300.00}.
|
| 04/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Hello, my name is XXXX XXXX and this my second complaint against DNF Associates after they failed to rectify my matters.
Please see attached
|
| 02/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a request for information for an alleged debt XXXX XXXX is attempting to collect allegedly owed to DNF Associates.
|
| 04/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
DNF ASSOCIATES : repeated emails. I asked for debt validation 3 times in the form of a signed letter and did not receive.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.
|
| 01/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeatedly call and text me and people I don't even know. Told them to stop and the guy said he didn't have to.
|
| 05/03/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Hello my name is XXXX XXXX and this is my third complaint towards DNF Associates Please see attached
|
| 04/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Phone harassment Photos/videos stalking house and family Sending outdated documents to bee served
|
| 07/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I need this account to be fully verified with all original documents from the original creditor.
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was surprised when I saw a copy of my credit report, I've been a victim of identity theft.
|
| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX {$1400.00} Account opened fraudulently, collection account is reporting as opened.
|
| 02/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Debt collector want to chargch me for something that is no longer in my credit repor
|
| 10/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I wrote emails to XXXX stating debt was not mine and no one ever responded.
|
| 05/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have no contract with this company in regards to any debt owed.
|
| 01/29/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 12/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 05/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
|
| 08/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 03/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 02/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2020 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 08/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 12/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 09/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
|
| 09/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 06/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American |
|
|
| 06/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/27/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
|
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|