| 03/12/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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A collection agency in Minnesota calling itself both Negotium & Interstate Credit Control reported a false debt to the credit bureaus XX/XX/XXXX after I had disputed it, showing that the bill Negotium used to verify it actually proved that the collection was for money that I do not owe, because the original creditor, XXXX XXXX XXXX XXXX XXXX in XXXX, MN, retained more than enough of my funds ( damage deposit and prepaid rent ) to cover the costs. I was never contacted by XXXX XXXX and the bill was from after I had moved out ( under both VAWA and MN Law 504B.206 ) of my unit on XX/XX/XXXX, due to XXXX XXXXXXXX.
When I originally disputed this debt I informed Negotium that I did not owe the money because the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX had more than enough to cover the bill from my damage deposit and under the law, with my damage deposit and full rent of the month I moved out paid, I could not be charged for anything else and was free to go. I also informed them that pursing this money ( I didn't owe ) after I had moved out was a violation of VAWA ( Violence Against Women Act ) and MN Domestic Violence Law 504B.206. Negotium replied that they validated the debt and sent me a copy of a bill from XXXX XXXX XXXX that showed not only that they had more than enough funds from me to cover it, but that they had written VAWA next to my damage deposit amount and then pocketed it instead of using it to make the unit ready for the next tenant. The fact that they disclosed that I used VAWA to move out of the unit is in violation of both VAWA and MNs Domestic Violence Confidentiality Laws. I again formally disputed the debt in another longer and more specific letter on XX/XX/XXXX. ( *attached ) I did not hear back from Negotium at all after that. Then I see on XX/XX/XXXX Negotium/ICC reported this disputed false debt to the credit bureaus without another word to me about it, knocking my score down 35-50 points. I have never had a late payment on anything in my life. This false debt report could cause me serious harm that I did nothing to deserve.
I am in the process of contacting the credit bureaus to ask for this to be removed, but as of yet, nothing has been.
The unsigned bill provided to me when I disputed my case shows the following : It shows that I had paid {$490.00} as a security deposit, plus there is the interest of {$11.00}, and an additional amount of {$230.00} credited as " prepaid rent '', for a total of {$740.00} prepaid by me and retained by XXXXXXXX XXXX.
The amount billed was {$540.00}. Deducting the damage deposit and interest leaves ( {$540.00} - {$500.00} = ) {$39.00}. The amount of prepaid rent credited to me is {$230.00} leaving ( {$230.00} - {$39.00} = ) {$190.00} in overpayments on my part that should have been refunded.
On the expense sheet, next to where the damage deposit and acquired interest are listed, XXXX XXXX has written VAWA. This is because I attempted to invoke my rights under the VAWA as a tenant in a covered federal housing program in order to escape XXXX XXXXXXXX.
That XXXX XXXX took my security deposit without using it for its intended purpose and has now shared this information is in direct violation of VAWA.
( Minnesota ) NOTICE TO OWNERS AND MANAGERS REGARDING THE VIOLENCE AGAINST WOMEN ACT ( VAWA ) : You may not require a tenant covered by VAWA to pay any amount or forfeit any security deposit funds under state law as a condition of his or her move for health and/or safety.
The Violence Against Women Act 5.2007 ( c ) Confidentiality. Any information submitted to a covered housing provider under this section, including the fact that an individual is a victim of XXXX XXXX, dating XXXX, XXXX assault, or stalking ( confidential information ), shall be maintained in strict confidence by the covered housing provider ) ; ( 1 ) The covered housing provider shall not allow any individual administering assistance on behalf of the covered housing provider or any persons within their employ ( e.g., contractors ) or in the employ of the covered housing provider to have access to confidential information and ( 2 ) The covered housing provider shall not enter confidential information described in paragraph ( c ) of this section into any shared database or disclose such information to any other entity or individual Minn.. Stat. 504B.206 Subd. 2.Treatment of information. ( a ) A landlord must not disclose : ( 1 ) any information provided to the landlord by a tenant in the written notice required under subdivision 1, paragraph ( b ) ; ( 2 ) any information contained in the qualifying document ; ( 3 ) the address or location to which the tenant has relocated ; or ( 4 ) the status of the tenant as a victim of violence. ( b ) The information referenced in paragraph ( a ) must not be entered into any shared database or provided to any person or entity.
Nothing in the collection agencys response to my dispute demonstrated that this claim is valid. Instead it showed that I did NOT owe this debt and had in fact overpaid funds to my housing provider. It also shows that XXXX XXXX XXXX had pocketed my security deposit and without applying it to the things it legally was meant to cover. Their response also provided proof that my use of XXXXAWA, which identifies me as being a victim of XXXX XXXXe while living at XXXX XXXX XXXX, has been disclosed by XXXX XXXX XXXX to employees, a collection agency, and is now entered into an unknown number of shared databases, which is a direct violation of not only VAWA but of MN State Law as well, both of which I formally asserted my rights under in order to legally end my lease so I could move out for safety reasons.
I respectfully asked them that they cease and desist all collection attempts considering the illegality of the situation and the fact that I do not owe this debt. I also asked that they keep any identifiable information about me confidential.
Please help me to remove this unfair false debt and restore my credit. Thank you.
XXXX XXXX XXXX
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| 04/08/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX {$9700.00} XXXX XXXX XXXX XXXX DEBT COLLECTOR IN XXXX OF XXXX I GAVE MY CARETAKER A 2-MONTH NOTICE THAT I WAS MOVING OUT IN XXXX OF XXXX BECAUSE I DIDN'T FEEL COMFORTABLE I FELT LIKE I WAS BEING DISCRIMINATED AGAINST SHE WILL PICK WITH ME ALL THE TIME SHE WILL GIVE ME NOTICE OF EVICTIONS ALL THE TIME EVEN WHEN THEY ARE LATE PICKING UP MY RENT I WILL GET A LATE FEE AND I WILL GET EVICTION NOTICE THEY HAVE A DROP BOX IN THE LAUNDRY ROOM THAT I ALWAYS PUT MY MONEY ORDERS IN AND BECAUSE SHE WAS LIKE PICKING IT UP I WILL GET WROTE UP FOR IT I FELT LIKE I WAS BEING TARGET ALL THE TIME MY KIDS FELT SO UNCOMFORTABLE BEING THERE SHE WILL CALL MY KIDS XXXX XXXX EVEN THE SCHOOLS THAT MY KIDS WAS GOING TO WAS BEING VERY XXXX TOWARDS THEM FROM THE HIGH SCHOOL TO THE MIDDLE SCHOOL TO THE ELEMENTARY SCHOOL THE LADY I WAS WORKING FOR XXXX XXXX SHE XXXX XXXX XXXX TOWARDS ME I JUST DIDN'T FEEL SAFE SO I WANTED TO LEAVE AND I ALSO INFORMED HER THAT I'VE BEEN IN A XXXX XXXX RELATIONSHIP FOR THE PAST YEAR AND I NEED TO LEAVE AS SOON AS POSSIBLE SHE TOLD ME THAT I HAD TO GIVE HER A TWO-MONTH NOTICE BEFORE I CAN VACATE THE PROPERTY AND THAT'S WHAT I DID MY XXXX CALLED ME AND TOLD ME THAT HE WAS ON HIS WAY TO MY HOUSE TO XXXX XXXX SO I HURRY UP AND GATHER ME AND MY KIDS THINGS AND I LEFT XX/XX/XXXX OF XXXX I MADE SURE EVERYTHING WAS CLEAN WASH DOWN WALLS I DID EVERYTHING THAT I WAS SUPPOSED TO DO XXXX OF XXXX I RECEIVED A DENIAL LETTER FROM A LANDLORD SAID THAT I OWE A PROPERTY {$9700.00} NOW I'VE RENTED FROM PROPERTIES IN THE LAST 3 YEARS FROM WHEN I LEFT XXXX XXXX XXXX SO I CONTACTED THEM TO SEE IF I OWE THEM THEY TOLD ME NO SO THEN I CONTACTED MY CREDIT AND THEY TOLD ME THAT I OWE XXXX XXXX XXXX I RECEIVED A FACT SHEET AND ON THAT FACT SHEET EVERYTHING ON THAT FACT SHEET WAS MARKED AS DAMAGED FROM THE CEILINGS TO THE WINDOWS TO THE STAIRS EVERYTHING ON THERE WAS MARKED AS DAMAGE AND IT IS NOT TRUE BECAUSE I WASN'T THERE TO DO A WALK THROUGH WITH THIS LADY THIS LADY MARKED EVERYTHING ON THE FACT SHEET AS DAMAGED BEFORE I LEFT THE PROPERTY SHE HAD FIXED MY DISHWASHER SHE MARKED MY DISHWASHER AS DAMAGED WHICH WAS A LIE WHEN I FIRST MOVED INTO THE PROPERTY SHE TOLD ME THAT ONCE A TENANT MOVE OUT THEY REPLACED THE CARPETS SHE'S TRYING TO CHARGE ME {$5000.00} FOR FOR CARPET HOW IS YOU CHARGING ME {$5000.00} FOR CARPET WHEN YOU TOLD ME WHEN I FIRST MOVED IN THAT THEY REPLACED THE CARPETS AFTER I MOVED OUT ALL OF THESE CHARGES ON HERE IS SO FAST AND I FEEL LIKE SHE'S TRYING EVERYTHING IN HER POWER TO MAKE ME PAY FOR SOMETHING THAT I DON'T OWE THIS IS NOT FAIR AT ALL AND I'M STEADY GETTING DENIED FOR PLACES BECAUSE OF THIS
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| 04/29/2019 |
Yes |
- Debt collection
- Other 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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On XX/XX/2017, I moved out of my apartment ( @ XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX owned and operated by XXXX XXXX ) after giving my 60 day notice to move out. Along with the original " Move-In/ Move-Out Inspection Form, '' my caretaker of my building went though a walk-through of my apartment. He, XXXX XXXX, signed the Move-Out comments section stating " All good in apartment/ normal wear & tear of carpet with NO issues found.
I was then told by him, and XXXX ( who works in the office dept. for Innovative Properties ) that I would receive my {$400.00} Damage Deposit within 30 days to my new address I left them.
I NEVER received my Damage Deposit Refund! Instead, I got a letter shortly thereafter dated XX/XX/2017 ) from XXXX XXXX saying I owe {$830.00}. Said charges stated " We are not refunding your deposit from your apartment due to : Rent, late fees, and damages far exceed your original " security Deposit and accured interest. '' Then it shows a list of {$400.00} Orig. security deposit, trivial charges including charging me a late charge on a full months rent with is not correct, AND Less cost to replace carpet ( damage to carpet beyond normal wear and tear ; pro-rated based on life of carpet ). If the amount is not received in our office BEFORE XX/XX/2017 we will forward your debt to " Negotium '' for collections. This WILL affect your credit score and rental history.
They did turn it over to XXXX, who when once notified me, I replied back with a written APPEAL LETTER. I stated why I didn't owe any money, that I had written & verbal and 2 recorded telephone conversations as proof.
They " XXXX '' never responded to me again. This is, and has been, on and affecting my credit ever since. I am owed my money back w/ interest, PLUS " XXXX '' actions ( and failure to respond ) has/is affecting my credit and EVERYTHING in my life for the past 2 years!
I NEED this resolved and actions taken to remove this charge from my credit report ( all 3 ) immediately!
I have more supporting evidence that I am unable to attach to this complaint at this time. I can and will provide copies of such if needed in another attached form as well as I and can play and provide 2 verbal conversations as stated herein.
I
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| 05/14/2023 |
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
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Last year I was the victim of Identity Theft due to a burglary that occured. My laptop was stolen with all my personal identifying information being compromised. I told all banks when this occurred. I also informed XXXX of this and each of the other 2 Credit Bureaus. I've informed The FTC. I've made several complaints to the CFPB this year. I filed a report with the local Police Dept. I've disputed this again and again and nothing is being done. I signed up for their " Identity Protection '' program that is {$24.00} a month for the last " XXXX '' months. XXXX has absolutely done nothing whatsoever to get the fraudulent information off my report. I still see these fraudulent accounts on my consumer credit file. Nobody has verbally asked my permission to provide ANY of my information as I have instructed XXXX to do. I've had my bank accounts compromised. They did not properly do an actual investigation as the FCRA states they have to by law. XXXX has violated my rights as a consumer again and again according to 15 USC 1692 ( b ) ( 2 ), 15 USC 1692 ( b ), and 15 USC 1692 ( d ) for the last 13 months. I've tried to be reasonable and give them every opportunity to resolve this issue. I shouldn't have to continuously have to have my rights as a consumer violated by a company so I have no other choice but to seek damages in court for every violation and for damages because of their blatant disregard for the laws that they should abide by. I wanted to be sure that I properly notified this Department of their incompetence once again as I have several times this year. Rental Research Inc, XXXX XXXX are included in this as well and made the same violations against me.
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| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
Servicemember |
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On XX/XX/2023 this company accessed my credit report and shared information that is inaccurate, false, derogatory, and outdated causing me to be denied an apartment along with a {$40.00} fee by providing a property management company with inaccurate, derogatory, false and outdated information. They also violated the FCRA by not verbally obtaining my permission to access or share any information on my consumer report and this was done in spite of me placing an extended fraud alert on my credit file to inform them that this request must be followed. This is unacceptable and has not only cost me in money but time. This problem has continued despite my prior attempts to resolve it. My next step is litigation. Hopefully this can be settled and resolved before I have to spend more money and time to rectify this matter. Attached you will find recent examples of what my address is. Attached you will also find a copy of one of the judgements that has been paid in full. 2 misdemeanor charges I received a deferred judgement on and I can send a copy if requested by email if asked. Information that is currently on file with this company is inaccurate, false, derogatory, and outdated. FCRA was violated by sharing this incorrect information with property management company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX resulting in their denial on my application. It is not good business practice to provide false information to clients and is misleading to myself as a consumer for them to not follow the laws in the FCRA. These are violations each of which constitutes a {$1000.00} fine should I decide to go to court which if not fixed will be my next course of action.
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| 06/20/2020 |
No |
- Debt collection
- I do not know
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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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This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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| 11/29/2022 |
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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| 11/10/2022 |
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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| 09/02/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 02/19/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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| 04/25/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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