Galaxy Capital Acquisitions, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78852	Web
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN : XXXX Re : Galaxy International Purchasing , LLC, Respondent C/O XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account ID XXXX Re : XXXX XXXX XXXX XXXX XXXX ), Respondent XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Account No. XXXX XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re : XXXX ', XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX Re : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Complaint for a Debt Not Due Comes Now Complainant, XXXX XXXX XXXX XXXX and in support hereof presents : 1. Complaint brings this Complaint to resolve a question of controversy as to whether : A consumer credit account, enrolled in a credit protection program offered by the card issuer, with a live and active claim pursuant to the terms of which monthly minimum payments are made by the card issuer on behalf of the card holder due to XXXX, is delinquent for reporting purposes under the Fair Credit Reporting Act and the Fair Debt Collection Procedures Act. 2. In XXXX, Complainant applied and was approved for lines of cred upon the referenced accounts issued by the XXXX XXXX XXXX ( XXXX ). 3. At all relevant times, XXXX offered a Credit Protection Program, pursuant to the terms of which enrollees could obtain payment relief whereby XXXX paid the monthly minimum payment due to, inter alia, XXXX. 4. In XXXX, XXXX sold the referenced accounts to Galaxy International Purchasing , LLC ( XXXX ). XXXX. Between XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ), a debt collector and agent for XXXX, XXXX information that Complainant was and remains delinquent to the sum of {$1800.00} upon the referenced accounts to the following consumer reporting agencies ( XXXX ) to be included in consumer files, to wit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 . At the time of the sale, Complainant had and continues to have a live and active XXXX claim as pertains to the referenced accounts whereby XXXX is obliged to make the monthly minimum payments due upon the same. 7. To secure my rights, privileges, and covenants thereunder, Galaxy, as a matter of law, is obliged to honor the terms and conditions of Complainants cardholder agreement with XXXX, inclusive of the terms and condition of the XXXX Credit Protection Program. 8. The foregoing considered, due to my participation in the XXXX XXXX XXXX, and, further, upon which there is a live and pending XXXX claim which obliges XXXX and its assigns and successors to make the monthly minimum payments due upon the referenced account. 9. Hence, the foregoing considered, as a matter of law, pursuant to the terms of the XXXX XXXX XXXX XXXX, the referenced accounts are not delinquent to the sum of {$1800.00}, or any other sum ( For want of maturity if no other reason ). Accordingly, reports of said delinquency reported to the referenced CRAs are inaccurate, false, and misleading under the terms of the FCRA and FDCPA. 10. In resolution, Complainant asks : A. For CRA re-investigation of all issues raised in this Complaint. See : 15 U.S.C. 1681i ( a ) ( l ) ( ( A ) and 15 U.S.C. 1692g. B. That Galaxy honor the terms and conditions of the XXXX XXXX XXXX XXXX as obliged when it purchased the referenced accounts. C. That Galaxy and or XXXX remove or cause to be removed from Complainants consumer files with the referenced CRAs the derogatory report of Complainants delinquency to Galaxy to the sum of {$1800.00}. Cordially, _________________________ XXXX XXXX XXXX
07/07/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 37064	Web
Galaxy XXXX I am sending a copy of the CFPB/OCC complaint I filed on XX/XX/23 against XXXX XXXX XXXXXXXX and XXXX XXXX Bank for an account owned by you or by XXXX. I tried resolving without formal complaints, but as you can see below and attached, XXXX XXXX did not feel the same way. As a heads up, I am sure this is not unique to me and a class action for such violations is in order, but as long as we reach an agreement I won't reach out to any consumer protection attorneys. I tried resolving your violations without involving the CFPB process, but as evidence by the response ( or I should say non-response ) from your representative today, it appears it will come to that. If necessary, I will utilize our court system to resolve the violations by your company. I could litigate these claims myself as I previously was collection manager of a creditors rights law firm and as part of my job I handled all complaints, threats of lawsuits for FDCPA violations and actual lawsuits received for alleged FDCPA violations. Not to mention by three years at XXXX XXXXXXXX where I was involved in oversight of our 50+ collection attorney firm network in XXXX XXXXXXXX XXXX XXXX XXXX But what is the point when an attorney will take the case for the attorney fees alone they would get on an open and shut case. Here is a summary of the violations and I encourage you to review the attachments. It is quite simple, your company was retained to collect a debt for who knows because of your deceptive, misleading and confusing tactics and identified incorrect current creditors in an act to try to deceive me into paying a debt. I received the following three letters. XX/XX/23 Letter o Initial Demand/Dunning Letter identifying the current creditor as Galaxy International Purchasing , LLC and the original creditor XXXX Bank XXXX XXXX XXXX with a XXXXr # XXXX XX/XX/23 Settlement Offer Letter o You list the current owner as XXXX Bank XXXX XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # XXXX o XXXX # XXXX Same as letter XXXX XX/XX/23 o You list the current owner as XXXX Bank XXXX XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # XXXX o XXXXXXXX # XXXX Same as letter XXXX and XXXX In addition to the items listed above you have another violation in the additional attached email I received on XX/XX/23. XX/XX/23 Email o Body of Email : You list the current owner as XXXX Bank, XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # 3 o SIF Letter : You list the current owner as XXXX Bank, XXXX XXXX and make no reference to Galaxy o XXXX # XXXX Same as letter 1, 2 and 3 Further this is now dual collection as another agency has sent me a dunning letter for the same debt days before this XXXX email. So you are collecting on an alleged debt at the same time as another agency. Desired Resolution : I am willing to accept forgiveness of the alleged debt and {$3000.00} to resolve the claims against your company. I can provide a settlement agreement I have used with other creditors and agencies or I am willing to use yours upon review.
11/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95111	Web
I have been a victim of Identity Theft since XXXX XXXX, XXXX. I already filed a XXXX XXXX Police report, placed a Security Freeze and Fraud Alert through my credit report such as XXXX. I also filed a report through the Federal Trade Commission. The suspect stole my personal information such as my Social Security Number, date of birth and work related information to open numerous fraudulent accounts under my name without my knowledge and authorization. I had to contact most and all credit card companies and financial companies to dispute the fraudulent charges against me. The fraudulent charges were dropped in my favor because I cooperated with the credit card merchants. My credit score was restored back to XXXX points again since XXXX XXXX. I always paid my bills on-time without penalties. I have and owned a good home because I am a responsible person and paid my bills on time. The suspect ruined my life, my freedom, my reputation as an honest man and credit score when he opened these fraudulent accounts and avoided captured from the law. I have suffered through enough anger, frustration and stress for the past 12 months since my Identity Theft case. Today on XXXX XXXX, XXXX I received a bill for the amount of {$6300.00} by the company known as XXXX which represented Galaxy International Purchasing , LLC. I cooperated with XXXX XXXX XXXX back on XXXX XXXX which also represented Galaxy International Purchasing , LLC. I faxed XXXX XXXX XXXX all the paper works it needed such as my CA Driver License, my Social Security Card, my work ID, an affidavit form which included a notary signature person to verify the true identity of me and a XXXX XXXX Police report. I did NOT hear anything from XXXX XXXX XXXX since then because I thought my case was dropped in my favor. It appeared Galaxy International Purchasing , LLC is still harassing me through another collection agency trying to force me to pay bills which I do NOT owe and I refused to pay the {$6300.00} because I have been a victim of Identity Theft. Galaxy International Purchasing , LLC should be punished for allowing criminals to use anyone 's name without conducting a thorough investigation of the person. And now I have to pay the amount because of Galaxy International Purchasing , LLC was negligence to allow criminals to steal victim 's identity and open fraudulent accounts. I refused to pay XXXX due to Identity Theft and will hire an attorney to sue Galaxy International Purchasing , LLC for repeated harassment. I would like Galaxy International Purchasing , LLC to STOP sending me bills for which I do NOT owe and will NEVER pay because I did what Galaxy International Purchasing , LLC want by sending them my personal Driver License, a police report, my Social Security Card and an affidavit form which included a notary signature. I am very upset with Galaxy International Purchasing , LLC for the repeated harassment and for allowing criminals to use my name to open fraudulent accounts and force me to pay the price.
11/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 217XX	Web
In XXXX a valid debt was charged off from XXXX XXXX XXXX XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. I contested this still being on my credit report in XXXX XXXX. I received a settlement letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX Bank. When I called XXXX on XXXX/XXXX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call Galaxy International Purchasing LLC ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to Galaxy on XXXX/XXXX/XXXX and explained the situation. They told me to call XXXX XXXX Bank ( XXXX ) as they have nothing to do with my credit report. I called XXXX XXXX Bank, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or Galaxy handling this account and that I should work through XXXX XXXX ( XXXX XXXX, a company I 've never received anything from. I have called XXXX XXXX and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX XXXX XXXX, Galaxy, they all have slews of scam warnings and complaints online for shady practices. This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid XXXX years ago and I 'm being scammed in an endless loop of calling other scammy businesses.
09/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30349	Web
XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for XXXX is trying to collect a DEBT. And she told me what the debt was about. Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. We'd love to help you get your THE XXXX XXXX XXXX XXXX XXXX Dental account resolved! You can log on the Customer Portal and setup a payment arrangement online. If the arrangement is not within your means, we'd be more than happy to work with you. Give us a call at XXXX. Don't feel like talking, text us at XXXX. Or chat with us on our website https www.spirerecoverysolutions.com Please use the above reference number when contacting us or when logging into our Customer Portal. Sign in to read your new secure message Here 's what it's about Your new account statement is available. We encourage you to sign in to read your secure message because it contains specific information about your account. You XXXX also contact our office at XXXX or chat with us on our website. View your secure message in XXXX ways From the XXXX XXXX XXXX XXXX app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.
01/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 432XX	Web
I received notification from my employer via USPostal service, that my wages were being garnished beginning XX/XX/XXXX in the amount of 25 % to a debt that I know nothing about. There was a hearing sometime in XX/XX/XXXX, which I never received any type of notification of, and the judgement went to this debt collector whom I have never in my life signed a contract with for any type of services. From what I could tell by what was sent to me by my employer, they received notification from the XXXX County Municipal court to garnish my wages to be paid to Galaxy Portfolios , LLC, c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, which had apparently filed a claim in XX/XX/XXXX, saying that I owed them something like {$7000.00}, which I have no knowledge of this nor have I ever signed a contract with any of these companies. From that judgement in XXXX, they have now filed saying I owe over {$18000.00} for what I have no idea, and have won a garnishment due to falsely sending notifications to an address that I do not have, under a married name that I have not had since XXXX when I got divorced!!!! This is such a violation!!! they are now taking money from my paycheck, that they falsely have obtained through unfair debt collection!! Please HELP!!!!!! During this time of COVID-19, I can not afford to be abused this way!!! I was never contacted regarding the initial judgement 20+ years ago, had no idea of anything about it, until the garnishment came from my employer with copies of the paperwork they were sent. I've never known anything about any of this, had I, I would have had representation and fought for my rights! They did not send the notice of hearing for the garnishment hearing or whatever it was, in XX/XX/XXXX, so I had no way to know to show up! This is how they win by being deceitful! I do not owe them any of this money and they are taking it from my pay!!!
05/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 480XX	Web
Worldwide asset Portfolio Galaxy is fraud. XXXX XXXXXXXX XXXX and their lawyers back it up. I I discovered over 22 years that I've been paying for a credit card ending XXXX found out XX/XX/XXXX its a bogus account XXXX XXXXXXXX XXXX has sent me and the lawyer the paperwork to prove it. Worldwide galaxy portfolio attorneys are XXXX XXXX in XXXX Michigan XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has put state on my mi taxes Causing Financial ruin. Gave me a nervous break down lots of sleep. now my court case is with the XXXX XXXX XXXX in XXXX XXXX Michigan judge name XXXX XXXX XXXX XXXX She's asking me for a stronger defense because the letter from the XXXX fraud department wasn't anough of a defense .so XXXXXXXX Attorneys Draft it another letter this time from the lawyers saying that it's been fraudulent and to release the state Lein off Mi state taxes. Worldwide assest has taken {$7000.00} of my taxes and Garnishing wages. in conclusion I did investigation on my own because no one else wanted to help me so right now I'm dealing with Michigan pro legal team the federal government and the governor of Michigan to give me a stronger defense to fight this Portfolios galaxy.. this is fraud I don't know why it has to be over 22 years for me to realize they put a judgment t the judgment on me. I had to investigate this myself so I am asking you to send XXXX XXXX XXXX and question them and Like before in. XXXX give me the answer of why they did this to XXXXXXXX XXXX. Why did they ruined my life for 22 years. No one stepped in sound like a XXXX XXXX case that I got caught up in. I'm asking portfolios galaxy to take the state lien off my Michigan 's taxes so I can be free and go on with my life ian apology Thank you XXXX XXXX. XXXX XXXX XXXX XXXX.
10/12/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85142	Web
I received a bill in XX/XX/XXXX offering to settle my debt with Galaxy International Purchasing. The debt was supposedly incurred in XX/XX/XXXX. Because this was so long ago, I called the company and requested more information. The person I called swore at me and accused me of trying to run from my debt. I refused to give her my social security number to " confirm '' this debt, and she swore at me again. I told her to send any proof to my mailing address ; otherwise, I would assume this was a scam. A few weeks later, I was being sued by this company. I had not received any proof of a debt. It has taken multiple rebuttals and submissions to the court and I only received information about the debt when I told the court I had not been given proof. At that point, I saw it was impossible for me to have incurred this debt. The addresses listed were not mine. It was easy enough to prove I did not live at those addresses. However, this company continues to sue me for this debt without proving through a signature or other information that I owe this money. I have spent nearly the amount of the original debt to take time off to go to file papers at the court or pay filing fees. The company has not responded regarding the person I talked to on the phone or the fact this debt is not mine. I know this is a company that buys old debt. They will not consider they have incorrect information. If I owed a debt, why wasn't I notified in six years? Today, I am filing a counterclaim, yet again. This company is absolutely irresponsible.
02/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32751	Web
XXXX XXXX XXXX ( company ) on behalf of Galaxy International Purchasing , LLC filed a small claims case against me on XX/XX/XXXX with the XXXX XXXX XXXX. I appeared on XX/XX/XXXX as required and informed the judge that I had already entered into a stipulation payment plan with the company which the attorney for the company was unaware of. The judge ordered the company to provide the signed stipulation payment plan to the court within 60 days and closed the case, which the company violated the judges order and did not file with the court within 60 days. At that time, I notified the company that they were in violation of the court order and requested all payments to be stopped due to the violation. The beginning balance of the amount owed was {$7800.00}, I paid {$580.00} on the initial stipulation plan, did not make payments in XX/XX/XXXX and XX/XX/XXXX, due to the company 's court order violation and in XX/XX/XXXX, the company offered me a new payment plan which I promptly agreed up at {$140.00} per month and I have paid a total of {$290.00} for XX/XX/XXXX and XX/XX/XXXX. After making the payments mentioned above my balance should be {$6900.00}, but the company is stating that my balance is now {$7300.00} which is incorrect. The difference is {$380.00} more than the correct balance. I requested from the company to provide me with a reconciliation of the difference and a copy of the new stipulation payment plan that I agreed to online in XX/XX/XXXX, but the company has failed to provide either of my requests.
05/19/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30005	Web	Servicemember
Galaxy International Purchasing , LLC is not my creditor and I never engaged in any creditor relationship with this company by contractual agreement, to hold or enforce security interest to collect on a debt against me. Galaxy International Purchasing , LLC has failed to verify any debt owed by me to them as my creditor or XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00} or any previously updated balances. As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX ( XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. There is no balance owed by me to XXXX XXXX XXXX XXXX ( XXXX XXXX ), wherefore Galaxy International Purchasing , LLC is seeking to collect on a XXXX balance. Galaxy International Purchasing , LLC has failed to verify any debt transfer from XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor for the account ending in XXXX and a balance owed by me to enforce debt collections against me as a holder in due course. Galaxy International Purchasing , LLC has failed to verify a balance is owed by me to XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor. That was transferred from XXXX XXXX XXXX XXXX ( XXXX XXXX ) to Galaxy International Purchasing , LLC. Galaxy International Purchasing , LLC has retained several debt collection companies to assist them in unlawful debt collection practices and fraudulent violations.
06/20/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 629XX	Web	Servicemember
I paid the account XXXX XXXX, XXXX. I talked to the person on the phone and they said it would take 24 hours to clear and for them to make the change from collection to paid and closed. I got a status update that it was changed from collections to paid and closed. In XXXX I got a 90 day late alert for that same account. I tried to have it fix with a series of Good-Will letters with the company and dispute with the credit agencies of the errors on the delinquencies being reported wrongfully. It comes back verified but nothing was changed. I filed a CFPB complaint XXXX XXXX and then on the XXXX of XXXX I got a letter that said that the account is now being serviced by Galaxy International Purchasing LLC. When I contacted them today they said they own the account as of XXXX XXXX XXXX. I have not received any letters prior to this first letter, they have dated XXXX XXXX, XXXX. I called XXXX XXXX because Galaxy told me to call XXXX XXXX. I was talking to a gentleman named XXXX and asked him about the 90 day late as of XXXX XXXX. He said that they have got the good will adjustment letter. That is why they updated my account with the 90 day late. When I talked to XXXX about the 90 day late he could not make an adjustment even if there was something wrong, he said I need to dispute it and I told him that I already did and it would come back verified. Than all he said was " sorry, there is nothing else I can do ''.
07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85388	Web
On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, Worldwide Asset Purchasing, who XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, for Worldwide Asset Purchasing, are garnishing my wages illegally. On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, via email XXXX and explained that Worldwide Asset Purchasing, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, helping Worldwide Asset Purchasing illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.
05/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30005	Web	Servicemember
This erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC was transferred to another collection company trying to collect on a debt not owed. XXXX XXXX XXXX XXXX XXXX is attempting to collect an erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor for the account ending in XXXX and or Galaxy International Purchasing , LLC with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by XXXX XXXX XXXX XXXX XXXX with Galaxy International Purchasing , LLC as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to Galaxy International Purchasing , LLC for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as the original creditor. XXXX XXXX XXXX XXXX XXXX 's actions are unlawful to collect on a default not owed with a XXXX balance. They continue to transfer debt collections that are unlawful and not owed.
01/29/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL XXXXX	Web	Servicemember
I am writing this complaint because it has come to my attention from XXXX XXXX that improper reporting has occurred and that I should contact Galaxy International Purchasing , LLC. Also, according to XXXX XXXX they have no rights over the alleged debt, XXXX ( Galaxy International Purchasing , LLC ) does. I sent out a Debt Validation letter on XX/XX/XXXX, I have not received anything back from XXXX. I sent the same letter to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only thing I have received is statements and print screen of application, which does not validate the debt. It is hard to communicate with this company as regarding XXXX and XXXX XXXX if they do not respond back as I only do written correspondence. Lastly, according to Illinois Department of Financial & Professional Regulation, Galaxy International Purchasing , LLC does NOT have a license to collect in Illinois. I got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the alleged debt was sold to XXXX, I moved to Illinois in XX/XX/XXXX and I made sure that XXXX XXXX was aware of it. I also made my payment for this debt in XX/XX/XXXX when I was living in Illinois to XXXX XXXX XXXX which settled the account to paid in full settled. Stated in a previous CFPB complaint that XXXX does not report nor does XXXX XXXX XXXX.
11/26/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78216	Web
On XX/XX/XXXX, I began receiving letters for lawyer advertisements telling me that a lawsuit has been filed against me by Galaxy International Purchasing LLC. Galaxy International Purchasing LLC has not contacted me once about this matter nor sent me any mail communication. They have not served me nor properly notified me about this lawsuit by any means. I have not received any mail concerning the debt. I can attest to this as USPS scans each of my letters and notifies me everyday of my mail via email. I have records of my mail for every day, dating back to 2019. I never gave anyone any handwritten permission that they could sell my personal information to any third party. I did not give anyone permission to sell my information to Galaxy International Purchasing LLC. I have not received any calls from them whatsoever, nor have they left any voicemails. How is it possible that a company from XXXX XXXX has my personal information when I have never given any written consent? I only found out about this through advertisements from lawyers who want to defend me in this matter. I have not been served in person about this lawsuit nor have they reported this to a credit bureau. They have made no efforts to contact me to resolve this by other means either. I have no information on this debt as none has been given to me.
09/26/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 184XX	Web	Older American, Servicemember
XXXX XXXX XXXX, My name is XXXX XXXX and I am writing this letter as I find myself in a difficult and stressful situation for me and my family. I live in XXXX XXXX and I was recently served a Writ of Execution from the local Sheriffs office because of a lawsuit involving an old credit card past due bill. This credit card, which I am sure, has to be 15-20 years old or older from my past. I can not understand how this could even be happening to me. The Fair Credit Reporting Act FCRA, is supposed to protect me from these types of situations. What do I do? Who can I contact? I have made several attempts to acquire legal help through a public defender as I can not afford a regular lawyer. I am XXXX on medicaid and medicare raising my XXXX XXXX XXXX daughter and my wife is XXXX to this country and does not work yet. Whatever happened to fair representation in this country for all? I can not acquire that. I have been told to contact legal services in my state of Pennsylvania and county and have been told numerous times that I can not be helped and get referrals only to find out those people can not help me either. What am I to do?? Please tell me what I need to do. Your quick response would be greatly appreciated as this is a critical time issue Thank you. Sincerely, Mr Stressed out!!
01/02/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MA 01440	Web
This pertains to the company XXXX XXXX, which is a debt collection agency for Galaxy Portfolios , LLC. They have been threatening me with garnishment of my wages and they said that they had contacted my employer also. I will have gone to court with them for the XXXX time on XX/XX/XXXX. I have been dealing with their harassment since fall of XXXX. They did have a judgment against me, however I filed a motion in the court that the judgment originated from, and in XXXX I prevailed as the judgment was vacated. This company still insists on sending collection letters and telephoning me. I have a new court date with them as I stated above which is on XX/XX/XXXX. The judgment was vacated at the court it originated in, but the case was transferred back to the court where the creditor tried to get the wage garnishment. I was specifically told by this judge prior to the judgment being vacated, that if I prevailed ( which I did ), that I may not have to appear again regarding this matter. This is all very confusing to me because this debt is well over a decade old. It goes back to approximately XXXX, perhaps earlier. I know nothing of the debt. I had to flee my then home ( before the collectors say I was served ), because of a violently abusive situation.
08/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 90230	Web
I was applying for civil service job I found a judgement on my credit report going back from XXXX from XXXX XXXX XXXX. There is outstanding balance of XXXX. Never was I contacted about the debt. According to XXXX I was served by private processor from a debt I opened XXXX. That is impossible because my first credit card I had was XXXX. I contacted XXXX about the debt, I asked for official validation. All the where able to give me was a copy of judgement. I requested statements sent by XXXX or the original creditor. They could not provide the information. I asked for the name of the person who served the summons. Full name of the person who signed for the summon. A copy of the delivery notice showing the signature date and time. I asked several times and they refuse to send any information. I asked for a copy of affidavit that processor had brought, no one in my family received a summons in my name. Never did they attempt to contact me about this. Now there is unbelievable amount of money that is owe. I can afford the amount that they are charging me. It was unethical how they went to collect money. I was never served properly and this is hindering me from getting a position in public safety.
05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30005	Web	Servicemember
XXXX XXXX XXXX is attempting to collect an erroneous debt on behalf of Galaxy International Purchasing , LLC with The XXXX XXXX XXXX as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. I previously disputed that Galaxy International Purchasing , LLC was not my creditor and that no debt was owed to Galaxy International Purchasing , LLC. Additionally, Galaxy International Purchasing , LLC was removed from my credit reports. XXXX XXXX XXXX 's attempt to collect this debt is in direct violation of FDCPA. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. I hereby further dispute the account ending in XXXX with The XXXX XXXX XXXXi and the balance amount owed of {$1600.00}. Wherefore, Galaxy International Purchasing , LLC is not my creditor and no debt is owed to Galaxy International Purchasing , LLC. I had no prior lender relationship for the account ending in XXXX with The XXXX XXXX XXXX
11/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Galaxy International Purchasing continue to report inaccurate and illegal account on my credit report. In my last dispute with this inaccurate and illegal account a agency from Galaxy International Purchasing name XXXX XXXX responded with a letter stating that Galaxy International Purchasing dont and have not reported to any credit bureau XXXX I have attached supporting proof documentation from my credit report clearly showing that this inaccurate and illegal account is on my credit reporting. The statement by XXXX XXXX XXXX is subterfuge and not truthful as you can see by the supporting documentation I have attached. Galaxy International Purchasing is violating the FCRA requirements by continuing to report this inaccurate and illegal account after I have stated to them I am not the rightful owner of this inaccurate account. This is not right or fair to me and this inaccurate account being reported by Galaxy International Purchasing has caused serious injury and harm to me. Please see attached copy of credit report showing this inaccurate and illegal account being reported after Galaxy International Purchasing stated that it wasnt being reported.
12/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KY 407XX	Web
The debt was from a XXXX card with a {$300.00} limit from back in XXXX. I have no signed contract with my name and Worldwide Asset Purchasing II LLC. that is pursuing the debt through XXXX XXXX XXXX. They have garnished my check already for over {$3000.00}. When it got to the amount said I owed, my employer stopped the garnishment. And just recently they received another paper saying my check is to continue being garnished for over another {$530.00}, until they tell the employer to stop taking money out. They are taking around {$180.00} out of each of my paychecks. I have disputed this debt with them several times because I have no signed contract between me and Worldwide Asset Purchasing. I tried to offer an amount to end this and get it out of the way and they refused. First of all this was 15-16 years ago, secondly, I have no signed legal contract with them, third it was a {$300.00} credit card, and last of all, they have collected the {$300.00} over several times past what it was. What part of NO LEGAL SIGNED CONTRACT BETWEEN US FROM 16 YEARS AGO do they not understand.
01/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19114	Web
on XX/XX/XXXX, this company put a lein on my bank account. AND HAS STOLEN MY WAGES FROM IT TOTALING {$1000.00} through a so called judgement that they said they recieved against me XXXX yrs ago that i have no recollection of being served any court orders to appear. i immediately sent the attorney debt validation letters to validate the alleged Debt. they did not respond with any answers to the validation questions on the letters. tracking XXXX XXXX XXXX XXXX, XXXX, XXXX THEY REFUSE TO RESPOND WITH ANY ANSWERS. this alleged judgement NEVER reflected on any of my credit reports after said judgment was ruled against me ON XX/XX/XXXX for a non appearance .since then I have sold the home where the address of the alleged judgement was placed against me 7 years after the alleged judgement was placed against me with no leins showing at settlement. i have also been able to lease, purchase new automobiles with no records of any leins againt me, purchased another home with no leins against me.
02/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28105	Web
I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ). Prior to receiving the attached collection letter from XXXX XXXX XXXXXXXX dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( GALAXY INTERNATIONAL PURCHASING , LLC, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.
10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Galaxy International Purchasing has placed and inaccurate charge off account on my credit report. I have explained to Galaxy international Purchasing via certified letter that I am not the rightful owner of this account and it doesnt belong to me. This inaccurate and illegal account has case harm and injury to me financially. This is not fair that Galaxy International Purchasing can continue to report this inaccurate and illegal account on my credit report damaging my credit worthiness. Galaxy International Purchasing has as violated the Fair Credit Reporting Act requirements by re-aged this inaccurate account. Re-aging any account is a violation of the FCRA. I have explained to Galaxy information Purchasing that I am no XXXX and I didnt give anyone permission to use my name or SSN to obtain financing or credit.
02/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30134	Web	Servicemember
Good Evening. To Whomever This May Concern. My name is XXXX XXXX. I received something in the mail from Galaxy International Purchasing LLC sent something to me stating that I owe XXXX for a debt with XXXX XXXX. XXXX XXXX has already removed this out of their system because I sued them and won because this is a debt as a result of identity theft and I had nothing to do with it. This company is trying to come after me for a debt that is not owed and is a result of identity fraud. I believe these people sent someone to my daughter 's house at XXXX at night as a process server. I will be contacting the police and she will as well because she said that they were taking pictures of her home. They were trespassing.
11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Galaxy International Purchasing has violated pursuant to section XXXX ( a ) ( XXXX ) of the FCRA requirements failure to notify the credit reporting agency that this account XXXX is being disputed. Failure to put the notice of dispute in the comments of credit report is a violation of the FCRA requirements by Galaxy International Purchasing. I have attached a copy of my credit report that doesnt show the required notice of dispute as required in comments on my report after I have disputed this account multiple times times over the past serval months. I have also attached a copy of the XXXX ( a ) ( XXXX ) section of the FCRA requirements for your review.
07/14/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	GA 30144	Web
I filed a complaint earlier against XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Worldwide Asset Purchasing was also involved. I applied for a XXXX XXXX XXXX Credit card with a maximum of {$2500.00} in 2004. I was laid off and out of work for several years and also was out of work XXXX. XXXX XXXX XXXX sold the deb to Worldwide. I did n't even know I had a judgment on my credit report until Worldwide hired XXXX, XXXX XXXX XXXX, XXXX to garnish my wages some 6+ years after the judgment. Now the interest that has accrued has resulted in 5 times the amount I charged. I have supporting documentation to attach.
08/17/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48174	Web
I am guessing that this account was sold to Galaxy International Purchasing , LLC under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
05/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
This is a file you did XXXX!! World wide assessment LLC!! I discover they have the wrong credit card number ending XXXX!! I call XXXX and they told me you only have two cards ending XXXX and XXXX and call XXXX XXXX XXXX! And put it on 3 way!! I can talk to XXXX XXXX and worldwide!! We settle your account and we didnt sell your account to anyone!! So how worldwide have my account!! They stole my account from XXXX XXXX when I thought they close in XXXX!! So worldwide had been Garnishing my way since XXXX And ruined my life and gave me a XXXX XXXX XXXX thanks in advance miss XXXX XXXX XXXX
09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 044XX	Web	Older American, Servicemember
I am a XXXX year old XXXX XXXX Veteran, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My health is very poor and my future is bleak! I have received a communication from XXXX XXXX XXXX telling me that I owe {$6700.00} from XXXX through Galaxy Asset Purchasing LLC, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. Thanks in advance for your help!
06/01/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33168	Web
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 063XX	Web
I have contacted Galaxy International Purchasing LLC, concerning the delinquency debt they put on my account on credit reports. This account has been paid and settled. Even when I called XXXX they keeping saying that my account was paid in full not less than it was own but paid in full directly on XXXX credit card. XXXX, I am requesting this Galaxy company to removed this delinquent remark on my account before i proceed legal charges against them. here i am attaching proofs of clean record with XXXX.
04/16/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 557XX	Web
I payed off this credit card in may of XXXX, and than again in XXXX when they said i owed still a passed due amount so i paid that off and than didnt hear from them again til today when i get a notice from my credit union stating that they froze XXXX from my bank account. which was the first time that i heard from this company since aug. of XXXX. the money that they froze today was my insurance money from a loss of our garage to rebuild a new garage with. so i am not sure what to do.
09/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32725	Web
This debt was already brought to court, at the time I could not pay the debt and the judge had advised the debt collector to settle for {$1000.00} of the debt. The debt collector denied the amount and the judge said I didnt have to pay anything back due to my low income. Years later, the debt collector sent me a letter asking for my updated employment information to garnish my checks. I, however, am not currently employed and was under the impression this debt had been charged off.
04/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AK 99508	Web
n XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46324	Web	Servicemember
In accordance with the fair credit reporting act, this creditors have violated my right. 15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY. 15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
03/18/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11542	Web
On XX/XX/XXXX I received my paycheck with {$200.00} taken out. Went to payroll and they gave me some kind of statement that I owe money from XX/XX/XXXX. Amount due of debt is over {$13000.00}. I have no clue who this is. Now {$200.00} is being taken out for what debt collection I have no clue. I live paycheck to paycheck and now I'm behind my bills because of this. That's {$400.00} a month.
06/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77072	Web
I reached out to this company at XXXX XXXX XXXX and spoke with a person XXXX. Hi XXXX, I just got harassed by an employee of XXXX XXXX XXXX XXXX named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. Best Regards, XXXX XXXX XXXX XXXX Account # XXXX
04/13/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	RI 02914	Web
XXXX sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- XXXX continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
08/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MA 01440	Web
A credit card was reported stolen and then used without my knowledge. Certain circumstances did not allow me to follow up. The cc debt was sold to collection agency where they repeatedly contacted me at work, threatened me and tried to get me to provide personal information over the phone.
05/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32828	Web
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX # XXXX ... XXXX XXXX XXXX # XXXX. XXXX # XXXX ... XXXX XXXX # # XXXX XXXX XXXX # XXXX.,, XXXX XXXX XXXX XXXX XXXX
11/13/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 761XX	Web
This is old debt bought buy a new creditor and now suing me. I informed them long ago I wouldnt be able to pay due to XXXX, spouse losing his job. The lawsuit is threatening to make me pay for attorneys fees etc
07/28/2020	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	WA 98058	Web
Debt collector called at XXXX and left no message. Calls from an automated dialed service during other hours and stays quiet on the phone for a few seconds before actually speaking.
04/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02914	Web
Galaxy international purchasing is saying that Iowa that I have no idea about
03/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77498	Web
I DO NOT KNOW ANYTHING ABOUT THIS CREDIT CARD AND NEVER APPLIED FOR IT
08/28/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 339XX	Web
Have been called nonstop for months and now threatened with court!
12/27/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33617	Web

10/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33756	Referral

10/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 07728	Phone

09/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30101	Web

08/28/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MI 48017	Phone

08/28/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MI 48017	Phone

08/10/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 14214	Web

07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37355	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 37013	Web

06/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NM 87110	Web

04/12/2023	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	GA 30215	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07018	Web

03/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90015	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63114	Web

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33020	Web

12/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11421	Web

11/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98626	Web

09/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 14215	Web

09/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 14215	Web

05/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NE 68135	Web

03/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web

01/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid		Web	Older American

12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85122	Phone

08/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32211	Web

07/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02909	Web

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02909	Web

01/06/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NY 10468	Web

12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28227	Web

11/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77385	Web

01/10/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80922	Web	Servicemember

11/20/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 14622	Web

10/28/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Phone

06/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85304	Postal mail

03/28/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11413	Web

11/15/2018	Yes	Debt collection Credit card 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	GA 30126	Web

08/30/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount		Phone

09/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11212	Postal mail

08/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94565	Postal mail

06/20/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 14551	Web

03/18/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22033	Web

03/01/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	ME 04072	Web

02/13/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11212	Phone

02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20723	Web

12/29/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	KY 40475	Referral

10/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39211	Web

09/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85205	Web

08/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 85212	Web	Servicemember

06/22/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	ID 83714	Web	Servicemember

06/18/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 86401	Web

05/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NV 89436	Web

05/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07306	Referral

04/26/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OK 74038	Phone

04/14/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NJ 07712	Web

03/25/2016	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	HI 96782	Web

03/04/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	AL 36701	Web

01/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77316	Web	Servicemember

11/24/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	UT 84062	Web

06/26/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NH 03087	Fax

03/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63301	Postal mail	Servicemember

02/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MA 02136	Web

02/05/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	DC 20005	Referral

01/28/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OR 97225	Web

12/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91950	Web

12/08/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	SC 29681	Web	Servicemember

09/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78249	Web	Servicemember

09/23/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 91941	Web	Servicemember

08/21/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92020	Web

08/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AZ 85614	Web	Older American

07/30/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 93044	Web	Older American

07/24/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30165	Web

07/21/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 20111	Web

06/23/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	KS 67870	Phone

06/01/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 95148	Web

05/15/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90720	Web

04/26/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NV 89122	Web	Servicemember

03/05/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	VA 23229	Web	Servicemember

02/27/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 18428	Web

02/20/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 49015	Web

02/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 72715	Referral

01/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89166	Phone

01/26/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CO 80004	Web	Older American