| 05/21/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have continually asked this collection agency to Cease and Desist on collection activities, including removing from all three credit reporting agencies, and they have yet to comply. They have been unable to furnish a validation of debt, as the original creditor information does not match the information they are reporting. What they are doing is a direct violation of FCRA Section 623 ( XXXX ) ( A ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have furnished proof that not only is the amount they are reporting incorrect but it is well beyond the statue of limitations of 7 years and 180 days for collections. As this account is now XXXX since delinquency.
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| 07/02/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called Innovative Credit Solutions had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an XXXX account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a XXXX credit card account. Innovative Credit Solutions reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX XXXX as their company name, while the company name on the trade line with XXXX states the company name as Innovative Credit Solutions.
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| 06/16/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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The debt collector is refusing to answer the following questions and refusing to remove the account from my credit reports.
1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
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| 07/25/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I have no clue who these people are they just appeared on my credit report as collection. I have never received any kind of documentation from them, I got their address off my credit report sent a letter asking for validation but never received it. I do get phone calls about once a week from an automated caller telling me he will be serving me with papers at either my residence or place of employment but nobody has ever showed up at either place. I want this removed from my credit because all of my accounts have been in good standing for last 8 years.
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| 07/27/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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After reviewing my credit report, an adverse account was reported to XXXX credit reporting agencies by Innovative Credit Solutions, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ). I have had no association, contact or any communication whatsoever with Innovative Credit Solutions. I have written to them requesting information and have not received a response. I have disputed this with XXXX credit reporting agencies. XXXX has removed this adverse account and I am continuing to dispute this adverse account with XXXX.
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| 08/10/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX bank in which XXXX bank has removed this account from my credit reporting due to the factor its been over XXXX years since the last payment was received this company provides nothing to me this is my XXXX complaint.
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| 07/11/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
Servicemember |
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Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX in which -- XXXX has removed this account from my credit reporting due to the factor its been over 7 -- -- years since the last payment was received this company provides nothing to me this is my -- -- complaint.
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| 04/13/2016 |
Yes |
- Debt collection
- I do not know
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.
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| 05/05/2019 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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XXXX was previously removed from my reports, only to be reinserted in 2018. Previous complaint on file with cfpb, yet neither company responded to complaint.
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| 11/25/2019 |
No |
- 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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| 11/14/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Confusing or misleading advertising or marketing
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Web |
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| 08/19/2018 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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| 03/17/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 03/17/2017 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Phone |
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