January Technologies, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/11/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WA 98665	Web
Hello my name is XXXX XXXX, In XXXX, I opened an account for a XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. After making all payments on time, I fell behind on a few and had a balance of {$780.00} as of XX/XX/XXXX. XXXX wanted a minimum payment of {$300.00} and I informed them I could not make that payment. I received a call from a women named XXXX and she was my case manager for XXXX, and she offered me a settlement offer of {$620.00} in two payments of {$310.00}, and i accepted the offer. She gave me a confirmation. number of XXXX, and i sent in two separate money orders for {$310.00} each. She said once she received both payments my account would be considered paid in full and closed. Fast forward to XX/XX/XXXX, XXXX I am sent a letter from a collection agency called XXXX XXXX claiming that I owe {$470.00} to XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX The letter says XXXX XXXX XXXX has placed the above referenced account with our office for collection. They have date of last payment as XX/XX/XXXX. As the letter stated, I had 30 days to dispute this claim and i did just that. I called XXXX XXXX and explained to them that I had accepted a settlement offer form XXXX XXXX in XXXX and paid the {$620.00}, and I do not owe the {$470.00} they claim I owe. They would not take this message as the answer and kept on harassing me. On XX/XX/XXXX, I wrote XXXX XXXX a cease and desist from contacting me letter, and in the letter, I also wrote that if XXXX forwards or returns this supposed debit to another company they need to inform them to cease and desist any kind of contact with me as well. XXXX XXXX ignored my cease-and-desist letter by turning over this ridiculous and false claim to a collection agency called XXXX XXXX XXXX, XXXX, who continued to try and make me pay the {$470.00} that I do not owe. I called XXXX and informed them as well that I had settled this matter in XXXX and I do not owe any more money. XXXX XXXX XXXX eventually stopped contacting me until they turned me over to yet another collection agency. On XX/XX/XXXX, I received my first email from the collection agency XXXX XXXX XXXX XXXX A person named XXXX says they were hired to collect on my XXXX XXXX Credit Card balance. This account was originated by XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the current creditor is XXXX XXXX XXXX. XXXX are still trying to collect the {$470.00} for the account ending in XXXX. Now I have been dealing with this issue that I was told was concluded in XXXX of XXXX, and I need your help in bringing this issue to a close. I do Not owe {$470.00}. Thank you for your time, XXXX XXXX
01/04/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29680	Web
Subject : Cease and Desist Communication and Unlawful Use of Personal Information Dear January Technologies Inc, I am writing to express my deep concern and dissatisfaction regarding your persistent and unlawful attempts to collect a debt account login XXXX that has been legally canceled through a 1099-C form. Your repeated contact, despite the cancellation and lack of obligation on my part to pay, constitutes a clear violation of my rights under both federal and state laws. Your collection efforts have extended beyond acceptable practices, involving the illegal collection of my nonpublic personal information with my consent. This is a direct breach of trust and a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the South Carolina Consumer Protection Code, SC XXXX XXXX. XXXX. I demand that you cease and desist all communication with me immediately, as I explicitly do not authorize any further contact or use of my personal information for debt collection purposes. Furthermore, I insist that you comply with the following legal requirements : 1. Fair Debt Collection Practices Act ( FDCPA ) : Cease all communication and collection activities, as the debt in question has been legally canceled, and your continued efforts violate the FDCPA. 2. XXXXSouth Carolina Consumer Protection Code ( SC XXXX XXXX XXXX XXXX ) : Your actions are in direct violation of this code, which prohibits deceptive or unconscionable collection practices. 3. Illegal Use of Personal Information : ** The unauthorized collection and use of my nonpublic personal information violate federal and state privacy laws, including to the Gramm-Leach-Bliley Act ( GLBA ) and the South Carolina Data Breach Notification Act . I request that you provide a comprehensive explanation of how you acquired my nonpublic personal information. Failure to comply with this request and the cease and desist directive within 15 days from the receipt of this letter will leave me with no option but to pursue legal remedies available under the FDCPA and other applicable laws. Your prompt attention to this matter is expected, and I anticipate your full compliance with the law. A copy of this letter will be sent to my states attorney generals office and FTC report will be filled as well to ensure your compliance.
04/25/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 441XX	Web
My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. I sent a letter to XXXX asking for : Validation of the debtthat is, actual accounting. Verification of their claim against you ; that is, a signed invoice. A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered. However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy. As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89147	Web
In XXXX XXXX XXXX, I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for three years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX XXXX XXXX summary which I have highlighted the two accounts in question, one with XXXX XXXX XXXX, the other with January Technologies, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory XXXX party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized XXXX parties listed in the notarized affidavit and complaint.
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
01/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95205	Web
Debtsy, Inc is a collection agency operating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and is a " debt collector '' as that term is defined. by 15 USC 1692a ( 6 ). Debtsy intentionally and or negligently caused emotional harm to me by engaging in highly offensive conduct in the course of collecting this alleged debt, thereby invading and intruding upon my right to privacy. I have a reasonable expectation privacy in solitude, seclusion, private concerns or affairs. The conduct of Debtsy Inc., engaging in the above-described illegal collection conduct against me, resulted in an intrusion and invasion of privacy by me which occurred in that position. As a result of such intrusion and invasion of privacy, abusive practices, Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. Regarding Account XXXX I hereby notify Debtsy that I XXXX XXXX ( consumer ) refuse to pay this allege debt and wish that you CEASE further communication with me ( consumer ). Cease and desist from all form of communication including all mediums, calls, private information, fowarding my private information to any third party and cease from maintaining any and all of my personal private information on record with you. This request is pursuant to 15 USC 1692c ( c ). Pursuant to 15 USC 1692g this debt is disputed and I request the name and address of the original creditor. Pay the invoice included with the complaint and exhibits have been provided. You hereby have 10 days to comply with mailing a check to XXXX XXXX XXXX XXXX, CA XXXX. If you fail to comply with the laws set forth by Congress under the Federal Debt Collection Practice Act I will pursue this Matter in Federal Court.
11/16/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 34746	Web
On XX/XX/XXXX I received an email from XXXX I had a loan with XXXX XXXX XXXX XXXXXXXX had sent the account over to XXXX. I was on a payment plan of {$62.00} 12 weekly payments starting on XX/XX/XXXX when I went and put in my debit card invalidated a XXXX cent charge, so the payments began on XX/XX/XXXX I thought I was on the right track and then. And the debit card I had on file last four digits XXXX. I had to cancel that card because it had gotten lost and I had to order a new debit card. Because of that I had a payment on XX/XX/XXXX. I had to skip that payment on XX/XX/XXXX to avoid the card getting charge because that card was already closed. I got the newdebit card on XX/XX/XXXX ending in XXXX. I tried to update it on XXXX but there was an issue with the website updating the debit card. I sent out an email and a representative from XXXX had reached out to me and said that there was an issue with the website and now I can update the new debit card. I updated the new debit card on file on XX/XX/XXXX. I checked back this morning and its saying the next payment is XX/XX/XXXX so Im assuming OK I have been on track so far. Find out what the balance is the remaining balance. Out of curiosity and an agent told me when I spoke over the phone that my balance is still the same and that nothing has been taken out and Im like how is that if I the debit card I had on file had no issues but I had to close that debit card because I had to get a new one because I lost it so I dont know whats been going on and Im in a bind already as it is and now its like I dont think thats fair so this entire time nobodys been charged and youre not charging I dont know whats going on here, but this is shady. I am in fixed income and Im barely making it.
01/02/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77079	Web
About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called XXXX. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a January Technologies from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from XXXX although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to XXXX in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. XXXX has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.
11/06/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32712	Web
Collection agency using broadcast email to fish for whomever it is that owes this debt. They are giving out personal information to the public which should be illegal. Either that, or this is some form of phishing scheme. Either way, it's illegal. Email Text : ===================================================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This is January reaching out again about your overdue balance of {$250.00} for the account ending in XXXX. As a reminder, we've been hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX and the current creditor is XXXX XXXX, XXXX. Paying back your entire balance might feel impossible. We understand that XXXX, inflation, or a loss of income may be affecting you. If you're experiencing financial hardship, you can apply for a settlement and ask to reduce your balance. Request Settlement Check Our FAQs All you have to do is complete a 5 minute survey describing your finances. We'll never charge you a fee for using our payment portal. Complete the process online via our secure portal. Over 75 % of consumers who apply qualify for a balance reduction. Have questions? Reply to this email and we'll respond as soon as we can. Or call us at ( XXXX ) XXXX. XXXX is an accredited and A rated business with the XXXX XXXX XXXX ( XXXX ). It is also a certified member of the XXXX and XXXX. Best, XXXX at January XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21234	Web
In 2023, I was notified by a company called January Technologies for a debt that was not mine. They kept emailing me and calling me, harassing me about payments that I did not owe.I sent a letter on XX/XX/2023 via email to the agency disputing the debt in question and requesting verification as per my rights under the FDCPA. According to my records, this letter was received by the office on the same day because they acknowledged it was received by the office and should have triggered the 30-day timeframe within which they were obligated to provide the requested verification. However, to my surprise, I received a response from your agency on XX/XX/2023, which is well beyond the 30-day period mandated by the FDCPA I sent a letter XX/XX/XXXX to ask for verification of the debt and where it came from.This delay in providing verification is not only a violation of the law but also raises concerns about the accuracy and legitimacy of the alleged debt. Additionally, it has come to my attention that there are strong indications of falsification of the debt by your chosen debt collection agency. The FDCPA explicitly prohibits debt collectors from using deceptive, unfair, or unconscionable practices when attempting to collect a debt. Falsifying or misrepresenting the existence, amount, or nature of a debt is a clear violation of this law. They have provided a log in lin which does not work. They have yet to provide information that is valid.
07/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10469	Web
On XX/XX/2021 I received via XXXX XXXX a XXXX from XXXX. I refused the XXXX at that moment and had XXXX take it back. XXXX had provided me with a cancellation number. On that same day, I had contacted XXXX via email informing them that I am refusing the XXXX XXXX received the XXXX on XX/XX/2021. Both, XXXX and XXXX continued with the loan without my knowledge. Then, I noticed that XXXX was still charging me for the returned XXXX I tried to reach out to XXXX from their website with no such help. When I typed messages to stop payments, I will get back a message to contact the merchant. I had called XXXX numerous times and I've never received any help nor assistance, but they continued to take my money from my bank account. Therefore, a stopped payments was done through my account. Finally, I was able to communicate with XXXX and it was useless, as XXXX did not assist/helped nor returned my calls to inform me that I had 30 days within to contact them to stop the payments, but on XXXX XXXX website it clearly states that the individual needs to contact the merchants themselves, which I have. XXXX deliberately kept the XXXX without informing XXXX and XXXX also kept the loan and the returned XXXX
01/02/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11580	Web
NOTICE AND WARNING TO AFFIRM FOR FAILURE TO DISCHARGE ALL DEBTS PURSUANT TO HJR 192, PUBLIC LAW 73-10 AND TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I dont not consent to e-Oscar verification. It is FACT that XXXX is engaged in trust actions with regards to loan XXXX. By claiming I, beneficiary, owe a debt, XXXX is in violation of 15 USC 1692B ( 2 ). My duty as beneficiary is to keep records and report to the IRS in case of trust fraud suspicion. I am suspicious of XXXX and their management of my private data elements. XXXX is trustee in this matter in their fiduciary capacity XXXX should correct ALL records accordingly INCLUDING the removal of ALL negative remarks reported to third parties. This is NOT a request for verification or proof of my mailing address. I respectfully request your offices provide me with competent legal evidence that i, beneficiary, have any legal obligation to pay you, XXXX, trustee. The misrepresentation of the trustee and beneficiary relationship between us can be rectified. i hereby accept all title rights and interest and instruct XXXX to handle ALL principles balance. The term charged off means XXXX has been paid in reference to loan XXXX.
11/12/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 19122	Web
On XX/XX/2022, I received an email communication from January Technologies Inc entitled : " Outstanding Debt Notice for .... '' it contained verbiage, logos, symbols, statement identifying them as a debt collector attempting to collect an alleged debt from me. I have never contracted with this company or its " affiliates. Pursuant to 15 USC 1692K January Technologies Inc is now civilly liable for their abusive and deceptive practices by identifying themselves as trying to collect a debt from me. I immediately responded to their communication with a cease and desist demanding them to cease all communication and collection attempts. I also made them aware that any further communication attempts would be in direct violation of the notice and all applicable laws. After sending said notice, January Technologies Inc. sent me another email communication. The communication again contained verbiage, logos, and symbols identifying them as debt collectors. There was also a signature containing the name " XXXX at XXXX '' a " Solutions Specialist ''. This constitutes harassment and breach of my initial demands listed in the initial cease and desist.
01/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20716	Web
XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with XXXX through the application. 3 loans XXXX XXXX XXXX XXXX XXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One XXXX rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the XXXX app to make a purchase was XX/XX/2022. XXXX XX/XX/2022 {$93.00XXXX XXXX XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75253	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX, January Technologies is the servicing agency and point of contact. XXXX XXXX/January Technologies furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance that the original creditor is reporting. Furthermore, I was never sent correspondence notifying me that this account was sold to XXXX XXXX nor have I received proper validation from the original creditor. I received nothing in the mail leading up to this collection being reported. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from XXXX or I will have no choice but to forward this to my litigation attorney.
03/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web
XXXX at January Technologies has been continuously emailing me about an alleged debt. I have not given the alleged original creditor XXXX XXXX consent to share any of my private, nonpublic, personal, and/or identifying financial information with said third party. With that being said, January Technologies has no CONSENT or AUTHORITY to even possess my nonpublic, personal, private, and/or identifying financial information. I was not given a proper disclosure from the alleged original creditor Snap Finance of their intent to disclose such consequential information nor was I given the opportunity to opt out, which is required by law. XXXX at January Technologies has no authority or consent to contact me regarding this alleged debt, especially over 15 times by email. I am being harassed by XXXX at January regarding an alleged debt that they have no consent or authority to even have or disclose.
02/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48312	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXXXXXX XXXX XXXX account XXXX and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate that this account belongs to me, nor has my credit report been updated to reflect that the account is in investigation.I do not believe that this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect and account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
10/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 146XX	Web	Servicemember
I lost my wallet, XXXX - XXXX all my credit cards and money and identification. A representative called me and stated someone is using my card or cards!! They purchased {$750.00} of XXXX and {$350.00} of sneakers and other things!!! ( XXXX XXXX )! I then called all my credit cards fraud departments!! XXXX XXXX, and XXXX XXXX XXXX!!! So since I called all my credit cards fraud dept they just send it to anther credit collections agency and report to all 3 credit reporting agencies without answering any questions concerning unauthorized use from the Police Report also not following the instructions of FCRA AND CFPB LAWS!!! XXXX ASKING TO STOP MAILING ME LETTERS AND REMOVE MY INFORMATION FROM ALL XXXX CREDIT REPORTING AGENCIES!! XXXX, XXXX AND XXXX!!! HERE IS MORE LETTERS FROM THEM AND THE POLICE REPORTS OF UNAUTHORIZED USE ON THE POLICE REPORTS
01/16/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89110	Web
I had taken a loan from XXXX XXXX XXXX around XXXX. This loan was discharged in XXXXr XXXX bankruptcy. The company ( XXXX XXXX ) also received proceeds from the bankruptcy. They then sold the loan to XXXX XXXX, XXXX and they attempted to collect on the debt. I notified them server times that the loan was discharged in bankruptcy. I provided the bankruptcy case number with every interaction I had with them. I then just received notification from January XXXX XXXX agency that XXXX XXXX hired them to now attempt to collect on discharged debt. I also provided them with the bankruptcy case number. I then attempted to contact XXXX XXXX also on XX/XX/2024 and was unable to speak with anyone. I also called XXXX XXXX to attempt to contact their corporate offices and was informed that they no longer have the loan with them because it was sold to XXXX XXXX.
08/18/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85044	Web
I have reached out to this company multiple times about this situation and at this point Im about to bring it to court. I have emailed and called informing them that I was not the one who signed up with their plan or whatever it is. I also told a week prior to that my personal information had got out including my social security number, phone number and email. I have did two forms now saying that someone stole my information and I spoke to a representative about it and they told me that it would be taken care of because I was able to prove it wasnt me because they didnt have my correct address. I stopped receiving emails from them after I did the second form and the man said the account would get turned off. So you guys need to stop associating me with whoever did this to me and reach out to the company.
05/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37129	Web
Ok. So this original creditor was XXXX, I looked at the program and due to my health limitations, I seen it wasn't going to work for me. I have XXXX, and I have XXXX limitations. I emailed them, they wouldn't come up with a compromise, so now it is in collections with the company January. I have sent several messages to them about disputing and they say its a valid bill. I have deleted everything once XXXX would not work with me. I haven't received nothing in the mail. Until I started going through some of my email.. I have a lot. I can't get to. A-lot of junk email. And On top Of that, On XX/XX/XXXX I will be out of work for XXXX month due to XXXX. I have a lot of things I am trying to get done. I am living paycheck to paycheck. Like I said, I don't believe I should pay XXXX for a program never used.
04/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 18301	Web
In 2020 i sent a negotiable instrument to municipal credit union to settle a credit card debt for {$5200.00}. Which was settled, but XXXX XXXX XXXX sold the debt to January Technologies Inc. Then then contacted me by email to collect the debt again. I then sent a negotiable instrument for {$10000.00}. January Technologies Inc said it would take 45 days to process. About 35 days passed they sent me correspondence that they could not process the instrument and it was shredded. They did not have any authority to shred my instrument. 15 usc 1681 and 18 usc 2071. They have done unfair practices and have mutilated the instrument without my consent. The account has not been settled and they are stating i still owe the amount. XXXX was made to this company according to state law pursuant to UCC 3-603B.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07103	Web
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
01/28/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02302	Web
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of my account Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. my info ive been stolen in XXXX my XXXX card i did a report to the police station in XXXX cause i hade to go to court about identify theft in XXXX i do have multiple police reports.
03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32826	Web
The company January has started emailing me repeated threats in an attempt to force me to enter into a contract with them. I have never provided January with my personal and private information including email address, phone, or any information regarding my private credit transactions past or present. This is a formal notice of dispute and a cease and desist. I find this very embarrassing and humiliating to be contacted on my work email that are harassing. This is a violation of my consumer rights. Per the Heroes act, I should not be targeted, punished, or have my credit profile negatively affected by an agency who is clearly breaking my right to privacy.
07/12/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90028	Web
Debt collection agency has called repeatedly alleging I owe money from various different loans pertaining to my social security number and has also mentioned same thing in an email. Unsure of how information was obtained in the first place, but I have made it very clear that none of this makes sense to me and to please stop immediately. Instructions have not been followed and harassment continues. I have even received text messages as well from them. XXXX/ seems to be an automated service, nonetheless bothersome. I would love some assistance to A. Get this information out of their hands and B. Harassment to stop immediately Thank you
03/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06511	Web
On XX/XX/2022, I contacted XXXX XXXX for job search services. However, I was compelled to sign a contract halfway without an adequate explanation of their services in English, which is not my native language. The contract was for {$5900.00}. Subsequently, the welcome letter, when I finally saw it, was illusory, and contained a NON-DISPARAGEMENT clause. I have canceled and not used their useless service at all. While I was negotiating with XXXX XXXX and Affirm, I was eventually able to secure a 50 % refund on XX/XX/XXXX, but I still owe the remaining 50 % to a fraudulent entity from whom I did not receive any services.
07/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23185	Web	Servicemember
On XX/XX/2022 I checked my XXXX credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to XXXX, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web
I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.
04/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10458	Web
Please see attached Validation letter. On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to January Technologies LLC XXXX XX/XX/2023 requesting for validation of this debt from XXXX ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g. On my Debt Validation Letter, i asked them to delete this Account from XXXX off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.
10/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 011XX	Web
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is sending texts to my cellphone ( XXXX ) looking for " XXXX. XXXX They are spoofing my own number ( so it appears that the text is coming my own phone ). I am not XXXX, I do not know anyone named XXXX. I do not know anyone that owes a debt to a XXXX Credit Card debt. I have called twice ( XX/XX/XXXX at XXXX and and XX/XX/XXXX at XXXX XXXX ) to resolve this, they claim they would stop contacting me but have continued to contact me.
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to January Technologies for collection. January Technologies never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.
01/04/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75180	Web
I received this letter through the email from XXXX whose only guess was XXXX XXXX XXXX sold them my information after the account was charged off and disputed. So not only are they calling which I consistently block them but they emailed me. If I'm not mistaken that violates about 6 or 7 of my Consumer Rights. Please help me maintain my consumer rights so that I may continue with my family in focusing on purchasing our first home
11/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
I received a letter dated XX/XX/XXXX from January Technologies stating that they were hired to collect an alleged debt of {$540.00} that originated with XXXX XXXX. That letter is attached. I received a follow up letter dated XXXX, XXXX. This letter is also attached. I have never opened an account with XXXX XXXX and suspect fraud here. More importantly, there is no such personal loan account on my credit report ( also attached ).
04/11/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 55432	Web
My mother was sent an email about an overdue balance on my checking account. The email that my mother received detailed my account information and the balance overdue. My mother is not associated with the account in anyway and only my email address is listed on the account. The collection agency that sent the email is called XXXX. XXXX shared sensitive/personal information with a XXXX party not associated with the account.
07/12/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 240XX	Web
I ordered an indoor cycling bike from XXXX XXXX XXXX XXXX during the pandemic. The bike arrived and after assembled it did not work properly. I returned the indoor cycling bike to XXXX XXXX. Although, the bike was defective they have charged me {$890.00} for shipping and the product did not work. I dispute the debt in question as this is not an amount I should be responsible for since this product was defective.
08/30/2023	Yes	Debt collection Other 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	SC 29229	Web	Servicemember
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on www.nmlsconsumeraccess.org This is a violation of the Fair Debt Collection Practices Act.
06/26/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30906	Web
January Technologies , Inc. has repeatedly emailed me on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 regarding an alleged debt and I never provided them permission to communicate with me ( violation of 15 USC 1692c ( a ) ).
03/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MN 565XX	Web
I recently checked my credit report to find out i had a collection in my name. I called the number on the report. I was told that in XXXX of 2022 a credit card was opened in my name used and than no payments where made. I responded i didnt have a XXXX account and it wasn't me. I was told to report as fraud.
07/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web
I received late payment notice to my XXXX XXXX for purchase I didnt made through XXXX XXXX. Now I received a mail from January technologies inc. stating I owe this amount through XXXX XXXX which I know nothing about.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10457	Web
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10457	Web
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
08/25/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 705XX	Web
I never created this debt. I never knew of this so say debt untill receiving this mail. I moved from that address and someone there has falseafied my information
02/20/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 440XX	Web
I got a notice stating I owed the over XXXX with a bank account that is not mines. The contract was online and I never did any business with them.
11/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11203	Web
{$230.00} is owed and the company handed it off to a collections agency who keeps excessively emailing me.
07/15/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA XXXXX	Web
Calling and emails after I asked to stop
01/30/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91501	Web

01/29/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11741	Web

01/03/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77384	Web

01/03/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19131	Web

12/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07055	Web

12/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web

11/13/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	TX 77384	Web

11/08/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33025	Web

11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60625	Web

10/26/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 33055	Web

10/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 16506	Web

10/13/2023	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	AZ 85713	Web

10/05/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	TX 77373	Web

10/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OH 43044	Web

09/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 74014	Web

08/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84078	Web

08/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36608	Web

08/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36108	Web	Servicemember

08/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23456	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17602	Web	Older American

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32209	Web	Servicemember

07/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49505	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00949	Web	Older American

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70065	Web

05/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38016	Web

05/04/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91764	Phone

04/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10550	Web

04/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77450	Web

03/19/2023	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 Was not notified of investigation status or results	TX 77494	Web

02/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14108	Web

02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44221	Web

02/12/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MI 48601	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94603	Web

11/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55811	Web

11/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32216	Web	Servicemember

11/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30014	Web

09/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85021	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web

09/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19140	Web

09/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77071	Web

09/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53209	Web

08/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46406	Web

08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web

07/12/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72401	Web	Servicemember

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

06/23/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33015	Web

06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75204	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

05/28/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97202	Web	Servicemember

05/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80644	Web

04/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 61107	Web

02/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web