| 01/24/2024 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Subject : Formal Notice of Violations and Request for Remediation Dear Keystone Credit Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Keystone Credit Services has handled my credit information.
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), NJFCRA Section 56:11-28, and breaches the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ).
Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.
I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), NJFCRA Section 56:11-31, and NJFCRA Section 56:11-34. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and NJFCRA. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.
Moreover, I insist on Keystone Credit Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights.
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Done in good faith.
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| 12/30/2023 |
Yes |
- Credit reporting 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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These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( KEYSTONE CREDIT SERVICES ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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| 06/05/2017 |
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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The original debt took place on XX/XX/XXXX ( that was the date of the last invoice that I never did receive ) The last amount owed on XX/XX/XXXX was {$880.00} From XX/XX/XXXX to XX/XX/XXXX , I received no communication with original debtor on amount owed. After almost six years I had the {$880.00} amount show up on my credit tracker as a debt in collections, by a second party, original creditor sent to collections to Keystone Collection Agency. I tried disputing the charge on XXXX but with no luck. Now one year after it being on my credit I received a letter stating that " for complete credit removal '' pay the amount above. The amount disclosed in the letter I received today XX/XX/XXXX is for {$1700.00}. In my original agreement with the first creditor does state that " Accounts over 60 days past due will be charged finance fees of 18 % per year ''. Well since he took over five years to even send a bill, the first 18 % interest charge would be due now. However, {$880.00} x 18 % = {$150.00}. I am very confused to where the difference of {$700.00} comes in. That is a very large amount of money to try and get payment for with no source of to why it is owed. I am attaching my original debtors invoice, along with the letter I received today.
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| 03/16/2020 |
Yes |
- 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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I applied for a mortgage and got denied because of an account that I've never even heard of, so I did my research, learned from the internet, that I have to dispute the account with the credit bureau that is reporting it, which I've done, and the account was VERIFIED as accurate. I then found a dispute letter and mailed that directly to Keystone, to which they have recently replied. I mailed the dispute to the address reported on my credit report. XXXX XXXX XXXX XXXX XXXX, PA. If I XXXX search that address I can find Keystone collections as well. SO they mailed me a response telling me that they received the letter, provided me with a better address to contact them and told me that I did not supply enough information to process my dispute, however the account still appears on my credit, from their company. If they can not process a dispute in reference to the account, they can not verify it to the credit bureaus. Fairly simple, they have violated the FCRA and FDCPA
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| 12/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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| 06/13/2022 |
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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Keystone Credit Services has put a {$9900.00} XXXX XXXX on my report that is 1000 % not mine! They have continually NOT sent me any info and will refuse to admit that its not mine! This has been going on for months now and needs to end! They are 1000 % in the wrong and needs to be taking off my XXXX credit report!
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| 11/13/2022 |
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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I did not give anyone authorization to have access to my credit and or to miss use my personal information and would like it to be removed
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| 12/07/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This debt is not mine!!!
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| 10/05/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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| 02/16/2023 |
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
- Was not notified of investigation status or results
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Web |
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| 11/14/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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| 10/27/2022 |
Yes |
- Debt collection
- Medical 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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| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 06/18/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 06/14/2021 |
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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| 11/02/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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