Nelson Cruz & Associates LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27703	Web
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. The following account is not mine Account Number : XXXX Please remove from my credit report. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX . The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : SCHOOL 13. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 17. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 20. The following personal information is incorrect Account Number : EMPLOYER : SCHOOL 21. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX XXXX
09/26/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web	Servicemember
I received a notification from Nelson and Associates with no address for them nor account number had added an account showing me as being delinquent with them to the credit bureaus. I have never contracted to do business with them nor are they in receipt of any such request on my behalf. I have never heard, talked or received any correspondence from this company. NEVER HAVE THEY CONTACTED ME PRIOR TO SENDING ANY THING TO THE CREDIT BUREAUS. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : Send me signed copies where I contracted to do business with you and the date I entered into an agreement with your firm The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Secondly, I am requesting that XXXX, XXXX and XXXX credit bureaus provide the verification methods they used to validate and verify this debt. I am asking for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed from all credit reporting agencies ... ... and cease and desist from any further collection activities. Thirdly, I am at the end of life and will never be in an income producing state. This can be verified thru hospital and XXXX XXXX records. I have no earnings and even if verified would be unable to pay any monies.
02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DC 20002	Web
This account is inaccurate under 15 U.S.C. 1692g validation of debt. NELSON CRUZ & ASSOCIATES has been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), NELSON CRUZ & ASSOCIATES may be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), NELSON CRUZ & ASSOCIATES may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. NELSON CRUZ & ASSOCIATES is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector Chain of Title Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report. 15 U.S. Code 1692e - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. NELSON CRUZ & ASSOCIATES Account Number : XXXX In addition please provide the contract signed between NELSON CRUZ & ASSOCIATE XXXX & XXXX XXXX notarized and sworn under penalty and perjury for NELSON CRUZ & ASSOCIATES ability to collect this alleged debt.
08/06/2018	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WI 54729	Web
On XX/XX/2018 my mom was contacted by Nelson Cruz and Associates that I need to contact XXXX at XXXX ext XXXX. I called to find out what this is about, I was told that I owed for a XXXX XXXX XXXX Master card I informed him that I have never had or applied for a XXXX XXXX XXXX credit card. He then transferred me to XXXX the processor that told me that I owed this debit, when stating that I did not owe for a XXXX XXXX XXXX master card she said " that is what they all say if you did not owe for this I would not be calling. I will have the courts place a lien against the title of your car if you do not pay the amount that I told you that you owe. '' I told her that I would contact XXXX XXXX XXXX to find out if I have an outstanding master card with them. XXXX gave me until to day XX/XX/2018 to get my information. I called XXXX XXXX XXXX no XX/XX/2018 after a long time of putting in my ss i was finally transferred to the fraud department, I was then able to talk to an associate at XXXX XXXX XXXX explained what was going on so she checked the system and was unable to find me anywhere in their system as a past or present account holder. Mr. XXXX XXXX called me back today XXXX at XXXX XXXX while I was at work I did wait until I got home to call. when I called back at XXXX XXXX Mr. XXXX XXXX was not at his desk I was transferred to XXXX. When I told her that I contacted XXXX XXXX XXXX and they could not find me I their system anywhere as owing any money she got really nasty with me and told me that I do owe this money, I did ask twice to have any information that have regarding this sent to my address as they seem to know it, was told that they can not do that she did say she would send it to my phone which she has the number. I told her that I called XXXX XXXX XXXX and that they stated that I owed no money for a master card I was told that she was going to put me on hold so that she could get them on the phone to have a conference call. She came back on the line and told me that she was transferring me back to XXXX as she could not call them with me on hold so back to XXXX I went, my phone dropped the call so XXXX called right back to have me hold again while XXXX was on hold with XXXX XXXX XXXX. He came back on the line to tell me that XXXX would call me back when XXXX XXXX XXXX came on the line that was at XXXX XXXX. So after we hung up I Called XXXX XXXX XXXX at XXXX XXXX after many attempts entering my ss I was finally transferred to the fraud division again to another lady than I talked to the 1st time, she also could not find me having a MasterCard that I owed for. I asked if they could send me something in writing stating that I do not owe XXXX XXXX XXXX for a MasterCard or anything else, it was suggested that I go into one of their service centers to get something in writing as I have never been a customer of theirs so they are unable to grant my request. I will drive the 33 miles to get it in writing that I do not owe XXXX XXXX XXXX. I was told that they are going to put this bad debit on my credit report and put a lien on my car all over a MasterCard allegedly that I owe for. I have not put any of the XXXX XXXX XXXX employees names in this but I do have them if you request them.
08/18/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 751XX	Web	Older American
I am an XXXX year old woman who has had money stolen by Nelson Cruz and Associates. The also stated they were the Law office of XXXX XXXX XXXX this came from the collection agent I received a call from them saying I may my personal property seized or I would be arrested if I did not pay a debt off with them. I remembered I had some old judgments and they seemed to have that information. I later find they got it from public record not TRUE collections. The fact was it was a line of credit defaulted on and I had worked with a Texas agency prior but was unable to pay. The following is an overview of what happened and it is a result of working with the firm that had placed the account with Nelson Cruz and Associated not knowing they were going to break the law. When I got the message from Nelson Cruz 's XXXX XXXX Office after I had paid the first lien, XXXX gave me the following as to the other Judgment saying that I had XXXX in all. Here they or not in the order that I received the information. 1. Judgment was for XXXX ( this was the XXXX she told me about. This was cost me {$7500.00} And I have been making payment to XXXX of following I have been paying a monthly amount, however, I do not know at this time which of these XXXX I have been paying on. My plan to continue to pay on it as soon as I find out which XXXX it is. 2. Judgment was from XXXX, XXXX. This XXXX they told me would be {$5000.00} 3. Judgment was from XXXX, XXXX This one they told me would be {$5000.00}. This is what they told me and the DEMANDED I deposit the money directly in their XXXX XXXX XXXX account # XXXX or I was in trouble. I made XXXX deposits of cashiers checks XXXX for {$7500.00} and {$10000.00}. I was promised a lien release and it never came. About one week after this I received a call from another collection company that had stated it had some accounts at XXXX they were doing a customer service call about accounts with them. I told the man everything and he told me that I did have a past due amount of over {$110000.00} but there were no liens or judgments. His company was shocked and I further told them that the business owner XXXX XXXX told me he was going to send me back some monies. This never happened. Nelson Cruz and Associates represented they were a law firm and scared me into making a payment that was FRAUD. XXXX XXXX and XXXX XXXX lied to me and when I called in they continue to ignore the problem. I have called my bank my bank told me I cant get the checks back. I think my next possibility is to call the Police or Sherriff. I have attached XXXX documents one is the bank receipt where I deposited the money to pay the FRAUD and another was a copy of what my account looked like when I received the customer service call. The agency first told me that they saw I paid {$2000.00} and they had no record and I then told them the whole story. They have been very helpful but said they may have to look into legal action as they did not know about this and the send a Cease letter to XXXX that they violated.
06/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10001	Web
On XX/XX/2020 phone call made by XXXX woman XXXX approximately XXXX claiming she was intake from ( XXXX ) XXXX XXXX XXXX. The attorney name XXXX XXXX I was told was suppose to contact me an hour after intake. In which this person calls from law firm claiming to need information before I receive assistant about a housing matter. The following day less than 24 hours later a XXXX male uses the information provided to a XXXX assistant to claim I open an account on XX/XX/2020 with a company called XXXX XXXX. This is a fraudulant account and act on behalf of someone calling me using another company to input his law firm Nelson Cruz Assoc on my credit report with no phone number for contact no address. This was a malicous attack through using a business for deception purposes to ruin my credit on wrongful information without any letters or phone calls just a lie on stating I opened an account. When I tried several attempts to reach the woman who is obviously working remotely moonlighting two jobs she used my information to provide to one of her associates to fraudulantly update my credit with bogus derogatory information. I want this removed immediately and them both to be exposed. Nobody knows if this company or law firm Nelson Cruz is real outside of how he used an associate to get details on my money on my social security my job information etc. Stating there in company with XXXX XXXX who was suppose to contact yesterday which is not true. The name the woman gave was bogus that is why when I call her number she refuses to call back or respond. I want justice on these swinderlers behind the scenes. It made since she mentioned a lawyer she knew from her job then passed off my information to another attorney who knows that I will report them to the bar association this would not be my first situation with this type of behavior from attorneys. There doing underhanded derogatory non compliance to consumers. I am very unhappy that XXXX would allow this type of action knowing I spoke on fraud and alot of attorneys have been caught up in XXXX XXXX XXXX using my name. I am in supreme court now behind these same actions. This is why the fool would not put his entire identity on the record. Used one of his associates to blind side me lying about the call. I do not owe this company and if I do it would not be an open account on XX/XX/2020 so, this person has done something illegal to pursue a case but, these people don't have a case there just showing how easy it was to play me by lying about who was going to contact me after the intake. No one contacted me I was bamboozled by employees faking moves to get people to talk on behalf of another company while helping fraudulantly attorneys to input information under a consumers credit report with there identification information.
08/27/2021	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 567XX	Web
I have tryed to call with no avail getting a answering service. Im getting the run-around pushing this pushing that button. I'm trying to dispute something on my credit. I have documents and it will not let me upload them, I don't know what to do. I don't know what to do otherwise, this company has offered me a settlement and now it shows that they're still charging me a XXXX. I have worked very hard to get my credit back to where I need it, we have took out a second mortgage on our home to pay off all of our debts. Our lender worked very hard for us our find all of our debts. This particular charge was not anywhere to be found at the time which would have been last XXXX, I did not get any papers in the mail as I have lived in XXXX XXXX since XXXX. I have also gotten remarried since XXXX. My name changed from XXXX to XXXX. When I did see this debt on there I was totally shocked, that's why I said I had no knowledge of it when I did end up calling a company they told me what it was it was something I had actually co-signed on for somebody several years ago so I had completely forgot about. Had I known I would have taken care of it along with the refinance. Also talking to the company they said they had sent something out to my email which I hadn't gotten, she said it may have went to my spam. So I did end up making a settlement with the company and arrangements for payments for XXXX. I did check my spam mail and I found the emails they did offer me a settlements in the emails which was actually less than I settled for when I talk to them. I am now paid off from them but the balance is still showing I owe and derogatory, I would appreciate it if you could please look into this as I have worked very hard to get my credit clean. I also have one for XXXX XXXX that should not be on there that was paid that they posted and look into it should have came off because that was paid with our home loan and I was wondering if they could please take that off. I'm not sure if I'm emailing this to the right Department but if you could please help me direct it to the right Department I'm going to try to send the document that I have because I'm at a loss I have no clue where to go or how to get help where supposed to go this company is of no help. Thank you I would very much appreciate it. Nelson Cruz and Associates their reference # XXXX XXXX XXXX report # XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX Sent from the all new XXXX XXXX for XXXX
12/10/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	TX 763XX	Web	Servicemember
On or around XXXX XXXX, XXXX, I was contacted by Nelson Cruz and Associates regarding an outstanding debt that they said I owed from XXXX XXXX of XXXX. They wanted to settle the original debt of {$570.00} debt with a {$300.00} payment. The information they gave to support this loan was correct, but not the information I would have used. References were all family members including my minor children, which I would never have used as a reference. This loan was applied for under my nickname and not my legal name. Which makes it very suspect. Also the documentation had my nickname, working for my legal name. This was all read to me over the phone and I have never received any formal documentation or proof of legitimacy of this loan in the mail. No documents with my legal signature have been provided to me. In my research, they gave me an account number they said was from XXXX, who was supposed to have issued the credit card. When I contacted XXXX, they could not find any record that I had a credit card or a loan with them. XXXX said the XXXX number had never been used by them. Talking with the security department XXXX XXXX, they said this sounded like a Scam and not to pay them. I also contacted XXXX XXXX who purchased some of XXXX debt, and they had no record of an outstanding balance or anything that had been charged off on me. I also tried to look up the XXXX number on this account and it shows that it has never been issued. XXXX said they had never used this XXXX number either. In seven years this has never showed up on any of my credit reports. I have never received a statement, never got a demand letter. In talking with XXXX security and collection department, their policy is ; 90 days they send out a demand letter and in 120 days a demand letter with a request with a return receipt. I have not received any of this. These people have not sent us any proof or documentation that I applied for this credit card or proof of any demand letters being sent to me. And there has n't been any attempt to collect this over the past eight years until now. It all does not make sense to me. XXXX XXXX XXXX had recommended I not pay them anything and to block their phone numbers. The FBI agreed and for me to get in touch with you along with the postal inspector and the FTC. The new name they called me under today XXXX XXXX was with ; XXXX XXXX and Attorney XXXX XXXX.
02/23/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33065	Web
Today I received a call from Nelson Cruz & Associates XXXX where they left a voicemail regarding a " pending legal matter ''. They provided a case number of XXXX. I returned their call to ask for more information and they committed several violations of the Fair Credit Reporting Act. Here is the list of violations that they committed : 1. They told me I had a " legal case number '' ( listed above ). I asked if the lawsuit was filed in Federal, State or County court. They then said there was no lawsuit filed. 2. They also allegedly recorded the call without my consent. 3. They attempted to re-age my debt. Specifically, they told me the last activity on the account was in 2011. This is untrue. Also, they stated that the statute of limitations for a breach of contract is 7 years. This is also false. The SOL in XXXX is 5 years, XXXX is 3 years and XXXX is 4 years. The statute of limitations has expired and the debt is not collectable. 4. They stated that they were going to garnish my wages. I asked if they filed a lawsuit again and a man named XXXX XXXX proceeded to scream and harass me and threatened to garnish my wages. He said they 'd see me in court but would not provide me any information. 5. I asked for their address to serve them written correspondence via certified US mail and he refused to provide the address. He then proceeded to make more false and misleading statements and misrepresented the details of my account in an attempt to intimidate me. Based upon the threatening tone of XXXX XXXX, I am now in fear that this company may use my personal information to exact " revenge '' on me and possibly even try to steal my identity or use my personal information for other nefarious purposes. I also did an online search of this company and it seems that they 've been using illegal tactics to collect debts from many people in various states. From my search of the XXXX Comptroller 's website, here are some of the people involved : 1. In house counsel/registered agent : XXXX XXXX XXXX, XXXX. ( XXXX Bar No : XXXX ) 2. Managing Member : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please look into this company as I am sure they are victimizing many good hard working people with their deceptive practices. Thank you for your prompt attention to this matter.
04/27/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30345	Web
This debt is originated through leasing company XXXX XXXX XXXX XXXX XXXX. They explained the debt was sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and they advised my file # associated has outsourced this debt on a repeated basis and I continue to dispute this debt. I take pride in paying my bills and when I go the extreme levels as I have already exhausted to validate the debt within the 30 day timeframe from the initial demand letter I received from the original creditor ( s ), I can only expect a response from the creditor of my request which brings me even closer to my complaint about Nelson & Crews Associates, who represents themselves in directly as a law firm by telling its debtors that the account is in process and when ask what do you mean in process, they violate the UDAAP big time by stumbling and making up words to give false misleading statements and creating the perception that they have process a claim for law suit. In XXXX I advised this agency that hung up in my face on repeated occasions and after several attempts provided me their address information to send a complaint to their company of their harassing tactics and file a dispute this debt. XXXX rates this agency as a D+ and I truly understand why. My attorney is XXXX XXXX XXXX and Im forwarding her the complaint to assist me in filing suit against this collection agency. I would like the call recording I had today XX/XX/2020 with a Ms. XXXX who works I guess for this UDAAP processing department of Nelson and Crews and Associates. She advised the call to me was a courtesy call to follow up for my attorney information. I expressed to her same thing I said in XXXX when they harassed and Mis-represented their agency, XXXX XXXX XXXX ( assignee ) and sold by original creditor XXXX XXXX XXXX XXXX. The number they were calling is a cell phone XXXX and Im incurring charges from their calls and they must have me on a predictive dialed ( TCPA violation ) based on the number of calls and voice messages they were leaving me. I request to status the account dispute and please forward the documents to validate the debt. My attorney will be in contact with this agency and will send my request for validation to XXXX. Copy : ACA Attorney XXXX XXXX CFPB Secretary of the State of Texas
04/05/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MA 01854	Web
Received several voicemails for past month from this company since I never got anything in writing from XXXX associates it sounded like a scam. Plus my family members phone as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my cell. When I asked not to call me at work there response was, since we are a debt collector we will take it into consideration but we can contact you at work if you wil not Work with us. Asked representative for a call back number which she provided. Advised I will call in 15 mins when Im on break. Called back at XXXX, a little later since I am at work! Reach another rep who said she was a supervisor this final landed on her desk today and the company they are working for is getting ready to take me to court. I got upset and asked who are they she explained, XXXX XXXX XXXX XXXX not a collection company a law office they have lawyers so they are able to call my job, phone or family members if they need to reach me at any time ... then went on to say she can settle a debt over the phone if I give a credit card. I explained I dont feel comfortable 1 ) I never heard about this debt. 2 ) I want something in writing 3 ) Im going to contact company before I pay anything. Her response during conversation, we will garnish your wages if we have to, asked for my social security number which I didnt provide since I have no clue who they are, said she will get a lawyer on the line. Asked for my job info, my response was the other representative just called my job why dont you know information? No response. And no they can not mail a letter but can email it including a settlement amount. If I dont pay today it will go up.i never agreed to an amount since I wanted to see something in writing. There is no company license number on letter. Took 30 mins to email letter. I explained once I receive letter and contact XXXX XXXX I will call back.
04/26/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92395	Web
My name is XXXX XXXX . Nelson, Cruz & Associates debt they claim I owe, but I have been unsuccessful trying toget a proof of their claim. Please find below a copy of the letter I 've sent them : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Nelson, Cruz & Associates and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Filed Dispute to XXXX XXXX XXXX Nelson, Cruz and Associates In regards to my previous conversation with your company regarding : File No : XXXX Debtor Id : XXXX Client : XXXX XXXX XXXX Creditor : XXXX Current Balance : {$7000.00} Client Claim : XXXX Reference to your pdf email XXXX , XXXX XXXX . I did not agree to any such paymentnor authorize you or any company you represent for a payment of {$2000.00}. Your request seemfurnished anddeceptive. And I do perceive your business practices as unfair. Your business practices is aggressive andviolated federal law. Im hereby asking you again for PROOF of your claim. Additionally, I have found grounds to conclude that your company is misrepresenting itself and making up threatening actions that are illegal. None of these practices are lawful. Validation of debts and Fair Debt Collection Practices Act You did mentioned the validations of your claim by anexecutive order and that XXXX was under auditboth documents asreasons you claim validates your claim. I asked you for both documents which you have refused to address. None of these intentional frequency and persistence of noncompliance practices by companycomplies XXXX XXXX XXXX Practices XXXX by federal trade commission in reference to you letter dated XXXX , XXXX XXXX . In this regards I am hereby asking your company or the company you claim you represent to once againadresse myprevious request. Please send me a documented PROOF of your claim. Acquisition of location information Your Company Email letter heading is confusing and in regards to this I also want to know if your company i s Nelson, Cruz and Associatesor XXXX XXXX XXXX or both? Thank you, XXXX XXXX .
04/16/2021	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63376	Web
I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from Nelson Cruz & Associates around XX/XX/XXXX. He told me his company had one of my debts for XXXX XXXX for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ XXXX/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.
07/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20120	Web
An update to my case : I received a suspicious notification from " Nelson, Cruz & Associates '' attempting to collect on a non existing debt. They sent a physical letter to my residence on XX/XX/2017 attempting to extort {$990.00} for an " outstanding balance unpaid to XXXX XXXX XXXX ''. Like any well informed consumer, I understand that when an allegation like this is presented, you have a right to know : contact info for the original debtor and proof of money owed. Unbeknownst to this fraudulent entity, I know very well who my creditors are and have always been. I contacted XXXX XXXX myself and they confirmed verbally and in a written letter ( as I knew they would ) that they have no record of my SSN, name, DOB, account etc. They also informed me that they do NOT outsource their collections, but instead have a collections department in house. It was also mentioned that notices from " collections agency '' usually reference the original account # for the money owed, as well as complete contact information for the original debtor. When I spoke to a rep from Nelson, Cruz & Associates, he did not provide any of this information so I could substantiate the claim myself. Instead, he tried to negotiate down the debt and commit me to paying it immediately over the phone. I immediately hung up on him and reported Nelson, Cruz & Associates to the Credit Bureau, Attorney General of Texas, XXXX and the Federal Trade Commission. I attempted to file a police report in XXXX, TX but was unsuccessful as I live in VA. The only advice I can provide is DON'T pay them a cent. Contact the State and Federal authorities and place a lock on your SSN because they posses personal information that they are using nefariously. IMPORTANT TO NOTE, the Nelson Cruz & Associates collection letter said the " client '' was XXXX with no reference whatsoever to XXXX XXXX. XXXX is FALSELY asserting that XXXX is the client of XXXX on this debt, when they are NOT. That has to be illegal.
03/02/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 953XX	Web
On XX/XX/2020 I received notice that a collection account had been added to my XXXX report from XXXX XXXX XXXX XXXX At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from XXXX XXXX XXXX XXXX XXXX but some company named Nelson Cruz & Associates claiming that XXXX XXXX XXXX XXXX was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for XXXX XXXX XXXX XXXX to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX advising that XXXX XXXX XXXX XXXX had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.
11/19/2019	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NH 030XX	Web
XXXX XXXX had a collections account under mine and my wife 's name which was disputed, resolved, and removed from my wife 's account on XX/XX/XXXX. As this amount of {$1400.00} was a joined account, the account was closed and all debts associated with this account should have been dissolved and removed from our credit reports. As mentioned, XX/XX/XXXX it was removed from my wife 's, but not mine. XX/XX/XXXX I started receiving extremely threatening calls from a XXXX XXXX at Nelson Cruz & Associates stating " mine and my wife 's wages would be garnished, our house is being taken away '' constant use of obscenities, threats and more. We explained the debt was disputed and removed. After contacting XXXX XXXX, we saw the account was never removed from my report as it should have been. We disputed the amount due to the situation of the account already being closed out, and send a letter ( certified with return receipt ) stating that as the FCRA allow, we did not want to be contacted about this account as it was being disputed. The harassing calls did not stop there. Upwards of 7 calls a day I am receiving, and now they have my wife 's information and they are threatening her to the point of feeling mentally and physically violated and threatened. The rep who has been harassing me contacted my wife saying that the account is going to go back on her credit even though ti was disputed. And proceeded to throw several obscenities and threats her way to the point of being visible shaken. We are concerned now that this new agency has the information, even though they shouldn't, that they are going to try to get this money for which has already been closed. Are they able to add this back onto my wife 's credit report? What are our rights or next step?
09/06/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
After checking my consumer credit report from XXXX, I found a collections account from Nelson Cruz and Associates with an account # : XXXX opened on XX/XX/23 with a balance of {$250.00}. I've never done business with Nelson Cruz and Associates therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Nelson Cruz and Associates. I never provided any written consent or permissible purpose for this alleged creditor Nelson Cruz and Associates to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
11/21/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 76053	Web
XX/XX/2019 My wife was contacted, they proceeded to provide her my SSN so she could verify she knew me, instead of asking her to tell them my last 4 of my SSN, after that they proceeded to goad her by threatening to have us arrested, thrown in jail, seize our licenses, and take away all of our property. When she attempted to explain she isn't a party to this debt as it was accquired 6 years before we got married they told her it doesn't matter, Texas is a community property state and she is guilty of my crimes and she will be punished along with me. I had to give my wife XXXX last night as she is a XXXX patient and they way they spoke to her made her nearly go into XXXX XXXX. XX/XX/2019 I was contacted originally by this debt collector and informed that it was a federal student loan, which i checked and verified it was not possible with the DOE, I did not have a federal student loan and could not owe on one. I was promptly informed that the government doesn't know what it's talking about and if I don't pay they will take my licenses, my bank accounts, have me arrested, and ensure i can never get another job again by making sure it was known I was a thief. I was told they did not have to provide proof of debt owed because i should have kept paperwork from 10 years ago about a debt I was told I don't need to worry about when the school got shut down by the DOE. I was informed they would be sure to laugh at me in their office for arguing with them and telling them its not a federal student loan. I was pressured into handing them finical information which i promptly canceled, i only provided a debit card to be charged at a later date to get the phone calls to stop.
01/29/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KY 40229	Web
When can a debt collector report my debt to a credit reporting company? The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/2021. Learn more about the Debt Collection Rule and your debt collection rights. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. Whether or not you have a debt in collection, its important to frequently check your credit reports for accuracy. If you think a debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA, you can submit a complaint with the CFPB online or by calling ( 855 ) 411-CFPB ( 2372 ).
06/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20120	Web
On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " Nelson, Cruz & Associates '' for an outstanding balance unpaid to " XXXX XXXX XXXX ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from Nelson, Cruz and Associates. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by XXXX and then mentioned it was somehow related to a XXXX through XXXX XXXX. He also refused to give me any contact information for XXXX. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted XXXX immediately and they had no record of my social, account or name. The XXXX rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the XXXX account number was not referenced in the collection. XXXX recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for Nelson, Cruz and associates and it appears I am not the first they have attempted to scam. I am attaching the scam letter from Nelson, Cruz & Associates to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
04/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94577	Web
My credit was checked last month by XXXX XXXX. They denied me. I did not understand they gave me a copy. it was the worst!! it had the name XXXX XXXX, than I new someone was using my identity Because the name, there were several different addresses, and many inquiries, I would not even think of applying to. My legal name is XXXX XXXX XXXX XXXX, This is the name I use. There were three collection accounts that were not mine. One for {$310.00} for cash checking, other {$1000.00} for XXXX third account just recently appeared from a Nelson cruz for {$130.00}, One negative account from XXXX XXXX, account # XXXX. I was so upset I filed a police report. Nelson cruz is not on police report, it popped up after. i didn't know I could put the inquiries and addresses on pd report. I also disputed them. I cleaned up my credit report somewhat, However Nelson cruz is still on my report, So is the one XXXX This information is from XXXX and XXXX Only god knows what is on the XXXX As for my only 2 closed credit cards accounts, XXXX XXXXr and XXXX XXXX I am responsible for these I became XXXX and could no longer pay. I tried to get the credit protection plan for XXXX I submitted the forms for dr. to sign. She never did instead I find out they were misplaced. time passed I forgot about themXXXX XXXX XXXX XXXX. So my account was closed. I reached out to XXXX, I submitted dr forms. I also requested to reopen my credit card account So I Am waiting to see what happens. With my first digital My payments on account are current, I paid past due and monthly payment. I also requested to reopen my credit card account
05/16/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	VA 242XX	Web
On XX/XX/XXXX I called back Nelson and Cruz associates and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 XXXX words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?
01/07/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 117XX	Web
On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company. I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place. Please look into this and advise how I can proceed. Thank you. XXXX XXXX
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30058	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 XXXX Original Creditor and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item 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 informations inaccurate. 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 Any other adverse item 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.
05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77381	Web
On XX/XX/2021 as a result of the Winter Storm, I scheduled a plumbing repair with XXXX XXXX XXXX. Due to the demand for service, the company conveyed that as a part of the scheduling I would need to " become a member '' and pay a portion of the charge upfront - as a criteria for receiving service. The upfront payment was submitted online. The plumber did not show to the appointment and upon contact to the company, they conveyed that the plumber did not have time to make the agreed appointment - and that they could schedule another appointment for an additional fee. Thus, no service was rendered, and the related charge for that service was disputed through the credit card company. Through an independent investigation, the credit card company confirmed the charge to be fraudulent and closed the dispute as resolved. Now, on XX/XX/XXXX I am receiving calls from a debt collector from Nelson Cruz and associates, who is prying for personal identifying information ( SSN ) and has indicated that the disputed fee has doubled. The only way to settle the debt is through a website requiring SSN credentials, then to " send a screenshot '' to close out the matter. This debt is fraudulent. This debt collection is extortive. I have patiently worked with both parties within reason, but I can not put myself at further risk by exposing my personal identifying information to unscrupulous disaster-profiteers.
11/29/2018	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 37214	Web
In XX/XX/2012, due to rough life circumstances, I had a van repossessed. In XX/XX/2017, a collection agency by the name of Nelson, Cruz, and associates contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. XXXX XXXX XXXX ( who conveniently no longer works for Nelson, Cruz and associates ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about XXXX to XXXX of making on time payments, XXXX XXXX called me back and said if I would just pay XXXX lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a zero balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) XXXX XXXX and XXXX XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that Nelson Cruz, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.
09/13/2018	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	OK 73064	Web
XX/XX/XXXX I received a phone call from a family member stating that someone called and said that their had been a petition complaint filed against me and that they had documents for me to appear in court and that I needed to call XXXX. And speak with XXXX XXXX who made claims of taking me to court and that he would red flag my license plate and contact the sheriff and the district attorney in my city for them to deal with me. so I call the number and find out it is for a medical bill and as I after being extorted and threatened tried to set up some sort of arrangement to get the bill taken care of wich I have not received since they had an old address I had no clue of this outstanding bill I also tried to negotiate a payment plan wich was declined by the collector and he stated that he would need my checking account or debit card information before he ould do anything ... .wich I find fishy he stated that if I mailed a check I would have to pay more and I would have to pay the full amount in TWO PAYMENTS wich is not an option for me at the moment the collector then asked me for my phone number wich i declined to give since i had his contact information I dont want them calling me ... the collector then said he was done talking and he would be contacting county officials and he would red flag my license plate and have the sheriff serve me
05/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76119	Web
In a recent review of my credit report, I have noticed you are trying to collect on a debt you say I own you, but I have never received a call or letter from you, so I need you to please tell me on what date did I open an account with you and why you think I owe the debt. Send me a signed copies where I contracted to do business with you and the date I entered into an agreement with your firm or the name and address of the original creditor to whom the debt is currently owed, the account number used by that creditor and the amount owed to that creditor the date it was open and the date it was transferred. Pleas provide verification and documentation with my signature on it, and that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide written agreement that created my original requirement to pay the amount and age of the debt, a copy of the last billing statement sent to me by the original creditor. Explain how the debt is permitted by law and if so why you did not give written notice that you are taking action past the limitation period and are you trying to get around this law by reporting and old debt as newer that it really is. But by lying about the age of the account is or the date of any delinquency, you or the debt buyer violates the FCRA.
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 338XX	Web
Several weeks ago I contacted the Nelson Cruz and Associates company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.
02/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48221	Web
I received an email on the XXXX of XXXX stating that Nelson and Cruz have just received an account in my name from an XXXX debt holding location.today I received a called from them stating that a judgement will be entered or has been.This account have been reporting on my credit reports since XXXX of XXXX by Nelson and Cruz. So I dont understand how they are emailing about another company. I have been disputing this account with them and the credit bureau which I have sent out multiple letters to Nelson and Cruz and the 3 credit bureau to verify that this is my account I have never received anything from neither. So Im not understanding how they are sending me an email stating that they just received this account. it has also come to my attention that this company have been reporting since XX/XX/XXXX that I made a payment in XX/XX/XXXX then in XX/XX/XXXX missed a payment XXXX and XXXX of XXXX they reporting me making payments even for XXXX of XXXX. I have never made any payments to this company at any point in time I do not believe that this is an account that belongs to me they are doing some Deceitful tactics to destroy my credit report and to collect a debt that is not mines.
12/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28546	Web
sent two letters one on XX/XX/2020 and the other one on XX/XX/2020 to Nelson Cruz about an account reporting on my credit a formal notice that claim disputed requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspond-ing local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX And XXXX ) from your company or any company that represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA : Therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have not heard from them in 60 days but they stated on my XXXX report that the Outcome Remains-The company that reported the information has certified to XXXX that the information is accurate. The item was not changed as a result of there processing of my dispute.How is this fair and accurate I have never signed a contract with them nor any company they represent
03/25/2016	No	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	WA 98901	Web	Older American
My grandmother, who suffers from XXXX has been continually harassed by this so called debt collector ( I assume this because of the tone and threat of legal action, and after looking up who they were ), my grandmother had handed me the phone to talk to these people, knowing that there was nothing she can do considering my grandmother is a social security recipient, and that is her only income, and noticing the call had lasted for 40 min and was currently on hold, I hung up. The lady on the other line, immediately called back and initially refused to talk to me and asked if I was an attorney, I informed her no, that I am a family member and that my grandmother, XXXX XXXX, was going to give them permission to talk to me, at which point the lady on the phone got noticeably more aggressive and said they were then going to take legal action against my grandmother and hung up the phone. Their threatening use of debt collection practices disturbes me, as I am actually a former collector for a major bank and her behavior on the phone and lack of professionalism is something that is not needed, and mostly illegal in that industry.
03/09/2016	No	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	OH 45150	Web
I was called by a debt collector who did not identify who he worked for. I told the debt collector that the only income I have is my XXXX. I have XXXX XXXX and have been XXXX since 2008. Long story short ... the representative at XXXX XXXX and associates told me the law had changed and he could sue me for XXXX plus ( that is XXXX my balance ) because now creditors can take 15 % of my XXXX income and I had better look up the new laws cause they had changed and now they were coming for me. I called back to find the name and mailing address of the company calling me and I was transferred to another representative named XXXX XXXX. I informed her of the tactics her associate was using. I also informed her that there had been no such law changes ... she said I was right. She then started with this magical amendment I apparently signed so they could come after me anyway. This does not exist either. My concern is that if they are doing this to me they are using these tactics on others. I will also be requesting debt verification because all their info is wrong ... that account was involved in a chapter XXXX bankruptcy
05/10/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	IA 52732	Web
I have received 3 email communications from Nelson, Cruz & Associates. I have consistently informed them that I am retired and my income is from Social Security and, therefore, am judgment proof. Supposedly, the original creditor is XXXX XXXX XXXX, an outfit I have never heard of. There has been no attempt by Nelson, Cruz to provide with original debt validation documents. I believe this matter is an attempt to pry out my personal information. For example, the address used on their document to me ( a demand letter ) is made out to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IA XXXX. First, when I intend to be bound to a contract I sign as XXXX XXXX XXXX, not simply my first and last name. As to the address, it is incorrect. I have not lived at XXXX XXXX for almost 3 years. After I put Nelson, Cruz on notice that I am retired and Social Security is my income, that should have ended this matter. It continues. Approximately, 14 days apart for each of the three communications I have received through email with a PDF document of which I provide all three PDF 's.
02/18/2019	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OR 97203	Web
I have been contacted by this company, they never say the name of it, just that I need to call a " XXXX XXXX '' back ( the number they provided is XXXX ) in regards to " a complaint that has been filed '' against me. They have been calling my family members, who have all asked them to stop calling yet they continue to call. In one instance they called my sister and, after being asked not to contact her again, they responded with profanity along the lines of 'no wonder this person is in this situation with a family like you '. They have also in the past used scare tactics, saying they will start garnishing my wages if I didn't offer to pay in full by the end of the week ( this caused me to have a minor XXXX XXXX that I went to XXXX XXXX for ) ; I have since stopped answering any number I don't recognize for fear of being threatened again. They have never once stated the origin of the debt they are attempting to collect. Upon XXXX the number they provided, " XXXX, XXXX XXXX XXXX '' comes up. I have been unable to confirm if this is the company or not.
07/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76039	Web	Servicemember
XXXX does follow federal regulations for consumers. They allow your information to be access and used against you. They constantly report inaccurate information on my file. When dispute it and its definitely wrong they state that the fraudulent information is correct. Which means they are in business with that company which is a conflict of interest. XXXX and end XXXX does a better job with protecting the consumers. So i have 5 accounts on my that are inaccurate and fraudulent information on them. XXXX and XXXX recognized the inaccuracies and fixed or deleted them. XXXX does not even investigates them properly. They just state its verified. Even if you upload a police report. They should be shut down and put out of business for giving out personal information and conflicts of interests against consumers. They are the worst American company and they are part of a huge problem Congress needs to shut them down. I have even written my local representative about XXXX unlawful practices to keep consumers down with fraudulent score keeping.
09/17/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75024	Web
I was employed by this collection agency from XXXX. During this time I observed the company make collections on debt that was past the Statute of Limitations in all 50 States. The collectors were telling debtors that a motion has been filed in the debtors county for a lawsuit, that the collector would say NCA is a law firm, that unless the debtor would come to an agreement right then an there the motion would be put into place, that the debtor can have their wages garnished. This company is not a law office, the collector was not an attorney nor paralegal but would say they are a liason then other times not say they what their title was but that a lawsuit will be filed, this was on both current debt plus debt that was past the Statute of Limitations. NCA would tell debtors the debt is on their credit score even if it's 8-12 years old with the company placing old debt onto a person credit report to collect even though the debt is past the limitations thus affecting the debtors credit score. The company collected on all types of debt.
02/24/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
This erroneous debt has been passed around from one collection agency to another. This erroneous debt was supposedly taken out in 2014. I had filed a police report concerning identity with my local police dept. XXXX County Police Dept Report # XXXX. Throughout repeated collection attempts neither I the collection agencies have attempted to substantiate that I took this loan out. The new owner has reaged this debt that different collection agencies have been harassing me about for 10 years.Thsi debt has reached the statue of limitations.When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate.If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3500.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621
01/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 483XX	Web	Servicemember
My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained.
08/29/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63135	Web
Company lied and said they mailed me documentation of the debt to address on file over 45 days ago. By law they are supposed to provide that information and never did. When I asked for more information in order to see exactly where the debt is from they did not give it to me. On XX/XX/29 I called to get the information the CFPB said Nelson and Cruz had to provide. They did not provide the information and over talked me! I do not owe this debt and they refuse to provide me the correct information to get this corrected! This is illegal! The person also threatened that he is a paralegal trying to intimidate me. They never sent me anything about this debt before putting it on my credit report and will not provide proof so I can file a report. They wont provide me with information if product was picked up or delivered or a signature showing delivery or pick up. The person over talks and kept putting me on hold. Thats harassment. They supposed to sent me something over a month and didnt.
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE XXXXX	Web
XXXX XXXX XXXX has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as XXXX XXXX requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law 1 ) XXXX -late updated AUTO PAY NEVER BEEN LATE 2 ) NELSON CRUZ -DELETED UNKNOWN ACCT In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW
08/06/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	MS 38801	Web
On Saturday Morning XX/XX/2021, I returned a call from a local number. The entity that answered was Nelson Cruz and Assoc.. Obviously, they are using a call spoofing software program. They alleged I owed an old credit card debt of which I have no memory and even if this were true the statue of limitations has long since expired. I explained that even if the debt is valid I have no income other than Social Security XXXX. The representative then stated they " participate in a Federal program that will allow me to pay {$50.00} per month and then I can have the situation reevaluated in 6 months. '' Prior to my XXXX I was a banker for 20 years and know what is and is not allowed per The Fair Debt Collection Practices Act. I'm pretty confident the statement about a false Federal Government payment program falls in that category unless the Federal Gov't has indeed gotten into the credit card collection business which I highly doubt.
08/25/2016	No	Debt collection Credit card	False statements or representation Impersonated an attorney or official	FL 33401	Web	Older American
I received a threatening voice mail which I have recorded. This firm called me and stated they were the Law Firm of XXXX XXXX XXXX and that I missed a court appearance. I was very concerned as I have had financial problems in the past. I was told I was paying a judgment and it was a major discount. There were threats made to me if I did not comply.I have all of the paperwork to support this. I became very alarmed when I received a call and a letter from a firm stating that my account had been " recalled '' from Nelson Cruz and Associates and that my account was a simple collection matter. I was alerted that the payment made to this firm was not reported to them and they were shocked to see the evidence I had. I have read about this firm and have found nothing but negative statements and complaints. They are clearly a fraud and a scam. It is run by a man named XXXX XXXX that I have found out has been arrested XXXX.
07/09/2019	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 37043	Web
On XX/XX/XXXX I was called by a creditor Nelson Cruz and Associate they claimed I owed XXXX XXXX XXXX XXXX {$12000.00} from XXXX thru XXXX ... I never had a credit card with XXXX or applied for credit with them ... On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke in someone in customer service along Security and Fraud Dept. I gave them my personal info SS #, DOB, address and they did not have me in there records.. I called XXXX, XXXX and XXXX I ordered my credit report and XXXX XXXX XXXXXXXX XXXX XXXX not on my credit report ... Nelson Cruz and Associate will not give me the bill from XXXX XXXX instead they want to settle for {$4000.00} over the phone, They continue to harass me with threats, arrest, lawsuit, vehicle repossession, wage garnishments ect.. Here are the name and phone.. Nelson Cruz and Associate XXXX XXXX XXXX. XXXX, Tx XXXX phone XXXX or XXXX XXXX XXXX XXXX
01/29/2023	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77339	Web
This debt was paid on XXXX with another third party. Nelson & Cruz were no longer the collection agency for the original merchant. I paid XXXX XXXX XXXX on XXXX. I was supposed to receive a letter of confirmation but never did. The charge is also still showing open on my account with Nelson Cruz and Associates, who was removed as the collector. I have reached out XXXX times since then to find out why I still have this showing on my credit report as unpaid. I was told this would be resolved and would be removed from my credit report and I would get a deletion letter to show my lender for mortgage application on XXXX Since then I have not heard anything back. I have called back and left voicemails and no one will return my calls back. This is hurting my chance of buying a house. I need this removed from my credit. Its been over a month since its as paid.
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 705XX	Web
In accordance with the fair credit reporting act, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/11/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 30907	Web	Servicemember
A person from a phone number of XXXX on XX/XX/2022 at about XXXX EST called and asked to speak with me. When I asked who was calling the person gave a personal name and did not identify themselves as calling on behalf of an organization. I refused to confirm my identity, and I asked them why they were calling, and they repeatedly stated in a rude and aggressive manner that the matter they were calling about was a sensitive matter and could only speak to XXXX XXXX. Not once did they give the name of the organization they were affiliated with and the number itself appears to be spoofed number. I looked up the number and it appears to be associated with Nelson Cruz and Associates- and appears to be an " asset recovery '' organization. Their number appears to be XXXX and they appear to be located on XXXX XXXX XXXX, XXXX XXXX in XXXX, Texas XXXX.
04/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44004	Web
The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. Now, this collection agency : Nelson Cruz,XXXX XXXX XXXX , XXXX XXXX XXXX , TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.
04/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98053	Web
On XX/XX/23 I got a notification on my credit report of a debt owing for the amount of {$3100.00}. I XXXX the company and phone number because I had not received anything in the mail verifying the debt. When I called due to it may be fraudulent debt I did not want to give my person information out over the phone to someone I did not know. I said I would dispute it with the credit bureaus. The person immediately called me back but could not hear me saying hello, hello and I heard her say " know she is not answering her phone, send her account to all 3 credit bureaus ''. I was a treat to ruin my credit with the bureaus before they would even try to verify the debt. I never received anything from this company before they put this negative information on my report not do I owe the original creditor they are collecting for.
04/17/2023	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 207XX	Web
I financed some jewelry using a company called XXXX. I called one day to ask when my early buy out was and how much I owed. The lady said I owed {$91.00} left on an early payment and I had XXXX weeks to pay it. When I called back 2 weeks later to pay it another person said that the early buyout ended 3 weeks ago and I had to pay to a whole other balance. I asked to speak to a manager and they seen proof I called on my file and the dates didnt match, however he would not grant me the early buyout so I stopped the payments because what I borrowed was paid plus several XXXX more. They sold the debt to another company which sold the debt to another company and now this company is calling me back to back after I said they are harassing me. They even said they contacted me on back and have surveillance of me
03/19/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web	Servicemember
this debt happened between XX/XX/XXXX-XX/XX/XXXX the loan was for {$300.00}. The IDPR stated that this company was not and is not licensed to do business in Illinois therefore I do not have to pay them because they are not licensed. Here it is XX/XX/XXXX and they have put this on my credit via a Collection named Nelson Cruz and Associates. I have never talked to nobody at this agency. How can they collect on a debt that is about if not 12 years old and report that as current debt. Nelson Cruz and Associates are in XXXX, TX XXXX XXXX XXXX XXXX, their phone XXXX. XXXX XXXX knew they could not collect on this debt because I am protected by the laws of the IDPR so they sold the account under false pretense to Nelson Cruz and they have put this on my credit and it should not be.
06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AR 72015	Web	Servicemember
Debt is out of date ( uncollectable due to age- as admitted on the debt collector 's correspondence ). There are 2 or more collectors trying to collect the same debt. The first one is : XXXX XXXX XXXX XXXX XXXX ( also has XXXX XXXX XXXX XXXX, XXXX listed on their correspondence ) Thier number listed is : XXXX Account reference number is : XXXX ( account number is not fully listed ) The second one is : Nelson Cruz & Associates Their number is : XXXX Their Address is : XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX has said in their communication that they can not sue, collect, or report to the credit reporting agencies due to the age of the debt. I believe that they are both trying to trick me into accidentally restarting the debt so that it is collectable.
10/25/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77493	Web	Servicemember
XX/XX/XXXX Nelson Cruz and Associates XXXX called me telling me I had an old debt with XXXX XXXX and was that I being sued and my home foreclosed on. I have no idea what they are referring to. They refused to send anything in writing. Got very hostile with me. Called my daughter as well. This firm continues to to call my daughter who is a teacher my elderly parents and my sister. XX/XX/XXXX NCA called my elderly parents and bothered them. called my sister as well. I called them back. They refer to cross collateralization on a debt from XXXX. I asked again for them to send me a letter stating what and if I owe. They again refused. They state I owe XXXX XXXX XXXX from a debt from XXXX-XXXX. they can not tell me if its a loan credit card or what. I know on no such debt.
09/24/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 78413	Web
Nelson Cruz and associates called me and said there is a complaint against my name/ SS number because of a pending student loan. I worked out a deal with them via telephone for them to take out XXXX $ monthly until it is paid. They did this twice. Today XX/XX/19, I go t a call from them saying I do not qualify for the XXXX $ Hardship repayment plan, but I can pay around XXXX $ monthly for 6 months and we will be square. I said I would have to think about it and speak with a friend that was a legal rep. The representative got kind of pushy and told me I only have until XXXX today to make a decision. Anyhow I called the real federal student loan officer and I am up to date at this time. They have never heard of Nelson Cruz and associates. So it was a scam.
06/27/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 242XX	Web
For the second time, XXXX XXXX of Nelson Cruz & Associates has talked to me in an abusive manner. Today he threatened to take my social security number and use it illegally. They also talked me in to signing an agreement to paying a debt older than 6 years old ( which is outside of the Tennessee statute of limitations of debt collections ). I have requested to opt out of this more than once. The original debtor, XXXX XXXX, mailed me a letter acknowledging that this debt had been written off several years ago. I have a disabled husband, make minimum wage, and have no help. I can not afford the amount they have locked me into and they will not let me change or stop the amount. Please help. I can not take the abusive calls and threats any longer.
08/05/2023	No	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	MO 63135	Web
Contacted Nelson Cruz and Associates on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.
07/14/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 93012	Web
A person by the name of XXXX XXXX, contacted my place of business informing the Office Manager that he is filing a complaint against me, but addressed me with my former married name, which I have not used since my divorce became final eight years ago. He informed the Office Manager that he is going to garnish my wages. The Office Manager asked this person from what company was he calling from, and he stated he was calling from Nelson Cruz and Associates. The Office Manager then referred this person to our HR Department. However, I have never heard of this company, nor do I have any outstanding debt or loan. I believe this company obtained enough information about me to scam and fraudulently attempt to collect money from me.
05/27/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95926	Web
On XX/XX/2023, XXXX XXXX XXXX XXXX, XXXX flagged my credit account as collections without properly notifying me of this debt and never sent a debt validation letter. This law firm did not inform me of any legal action taken against me by any creditor or debt collector. I do not even know who this debt collector is and do not have any knowledge of a debt owed to such collector. XXXX XXXX XXXX XXXX, XXXX is threatening to sue me for {$250.00} in attempts to collect a debt for a creditor by the fictitious business name XXXX. I am not in contract with XXXX XXXX XXXX XXXX, XXXX nor do I owe any obligations to XXXX XXXX XXXX XXXX, XXXX or any creditor who is attempting to collect a debt through this third party.
12/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 310XX	Web
I received an alert on my FICO app that a collection account was now reporting on my credit on XX/XX/20. The collection account is for Nelson Cruz and Associates in the amount of {$700.00}. According to my credit report, they first reported this account to the credit bureaus on XX/XX/20. I have received no correspondence regarding a debt owed and have no knowledge of this account. I attempted to inquire about the debt through the collectors website requesting to know when any correspondence may have been sent or any attempt to notify me of their attempt to collect a debt occurred. It is now XX/XX/20 and I have received no response. This account should be removed from my credit report.
12/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN XXXXX	Web	Older American, Servicemember
XXXX XXXX XXXX XXXX. calling for my son who has not lived at our house for 20 years. I have continued to tell agencies to take my # off list and I still get calls. they stated that if my son did not call back they would put a lien on property owned my another son and his wife. my # is a do not call # on the registry and has been for many years and these agencies keep passing a collection around and calling. We settled all claims over 20years ago but a hospital had not filed claim with insurance company properly for an accident in which a drunk driver crashed into our son. I have been hounded long enough and when someone threatens I can not stand silent. FGM
06/24/2022	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	GA 31088	Web
Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the three major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.
05/30/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 49221	Web
I keep getting calls from the same number every day, and they leave a voice mail, and it's the same pre-recorded voice mail, saying " This is a very urgent and time sensitive message please kindly return our call using the number on your caller ID as soon as possible to be connected with a live representative who made better assist you again please return our call at your earliest convenience thank you and have a wonderful day '' The voice mail never mentions who the caller is or what company they're from. Today, on XX/XX/2023, they called twice with the same message as usual, at XXXX and at XXXX, and they won't leave me alone.
08/08/2018	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32824	Web
NELSON CRUZ & ASSOCIATES REP- XXXX XXXX XXXX CONTINUALLY SINCE XX/XX/XXXX I HAVE RECIEVED 13 PHONE CALLS FROM SAME PERSON STATING THAT SHE HAS A FINAL DETERMINATION ON HER DESK AND IT NEEDS MY ATTENTION REGARDING AN ACCOU T THAT IZ 10 YRS OLD AND HAS BEEN CHARGED OFF AND CLOSED.OFF MY CREDIT REPORT. IT WAS A VOLUNTARY REPOSSESION ON A VEHICLE. RECENTLY SHE SAID THEY ARE PUTTING A RIZMAT? ON MY SOCIAL. AND FLAGGING MY SOCIAL FOR THIS. TODAY SHE SAID I NEED MY ATTORNEY OR MYSELF TO CONTACT HER AS SOON AS POSSIBLE. THESE PHONE CALLS ARE BECOMING A PROBLEM AND I FEEL LIKE IM BEING HARASSED FOR SOMETHING THAT DOESNT EVEN EXIST
12/01/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78570	Web
I dont know who this company is and they keep sending collection letters to my relatives addresses. These letters are obviously harassing me and I dont think its right. They have no right to be sending letters to people related to me when I dont live there. They are making me feel threatened. I will be speaking to an attorney for harassment. I am no expert when it comes to legal stuff. But i know that I could file charges against them for harassment. I have never had an outstanding balance with XXXX. Their merchandise was obviously returned. And its been like 6 yrs that I havent been to any of their stores.
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27545	Web
On XX/XX/2020 Nelson Cruz added a derogatory remark on my credit report per XXXX XXXX.Upon farther research this account was sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine.According ti the F.C.R.A Nelson Cruz has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
03/02/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MI 484XX	Web
Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX XXXXXXXX called about debt in XX/XX/XXXX from Nelson Cruz and Associates about this debt again, told them that I already paid this debt XXXX has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told NCA about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!
02/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 615XX	Web
On XX/XX/2021 I received an email from Nelson and Cruz associates stating I owed {$680.00}. When I called them the lady immediately had a horrible attitude and I asked her to lose the attitude and she told me I was refusing to cooperate and hung up on me. I am mediately called back and she goes we are not going to do this and you were going to continue to talk to me if you call back. She finally transferred me to the operations director who still refused to mail me a bill or anything and said he would email it to me. Currently waiting on that
04/01/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21701	Web
I received notification from my automated credit report monitoring platforms. The original creditor is XXXX, my account was sent to a debt collection agency XXXX to me because I never received a debt validation letter. The amount of {$1900.00} is completely inaccurate but aside from this I was not allow due process to dispute this account or amount. It is in violation of Federal Laws and would like this information removed and me being allowed due process.. These companies should not be allowed to ruin someones credit because they can..
12/18/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	IN 460XX	Web
XXXX XXXX XXXX is a collection agency that has my student loan. I worked out a voluntary payment arrangement of {$50.00} per month this past summer. I told them over the phone what day to take out the {$50.00} payment each month. They called me and said that the {$50.00} a month can not be accepted anymore and they will recommend wage garnishment. My understanding is as long as I am voluntarily paying they can not garnish my wages or take my tax return. I feel like they are trying to bully me into paying more.
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 752XX	Web
I had two collections account that was added to my credit report. These two account has already been resolved. The account includes Nelson Cruz and Associates and XXXX XXXX XXXX with the amount of {$910.00} and {$610.00} respectively. I also have two account credit card enquiry by XXXX XXXXXXXX in which on two occasions they were both approved without my consent in the space of 6 months, one happened in XX/XX/XXXX and XX/XX/XXXX There is also XXXX XXXX XXXX on XX/XX/XXXX which I had no idea of the accounts.
02/16/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	AZ 85713	Web	Servicemember
Could not even speak with someone, the operator refused to transfer me and acted as if she was in charge. She also cussed at me and repeated called me offensive XXXX names. She also threatened to call other numbers that were apparently associated with my account which I have no idea who that would be. This company is most likely fake or just completely mismanaged. I am currently disputing this collections as fraudulent since I have no idea what XXXX XXXX or " XXXX XXXX '' is or why it's on my credit bureaus.
02/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34711	Web
I received an alert from XXXX that a collection was added to my credit report through nelson cruz and associates with original creditor XXXX XXXX XXXX on XX/XX/XXXX. Collection stated that the loan was taking on XXXX. Prior to the alert from XXXX, i had no knowledge of XXXX XXXX XXXX. I have never taking out any loan through XXXX XXXX XXXX. I have no knowledge of this account. Prior to contacting XXXX about this collection. I tried calling the number 10 times with no result. Only to have it go to voicemail
06/07/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 913XX	Web
Nelson, Cruz & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX sends repeated statements for money due, threatens suit several times, claims payment made on debt and debt is still collectable even though debt is from XX/XX/XXXX. Stated would send documentation by email re debt but instead got another demand letter. XXXX associate claimed debt was from XX/XX/XXXX and they will immediately file suit. XXXX associate at company stated debt is not time barred for a payment was made which is false.
11/28/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Web
I sent a letter to Nelson Cruz and associates requesting validation of alleged debt via certified mail USPS. On XXXX XXXX, 2020. First Request. Tracking number XXXX. Letter was received via USPS receipt XXXX XXXX, 2020. I received no response back from the company. Second letter request for validation of alleged debt sent USPS certified mail on XXXX XXXX, 2020. Letter received XX/XX/2020 via USPS receipt. Tracking number XXXX. I received no response back from the company for my request.
11/27/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 295XX	Web
nelson cruz and associates claims i owe them money I BETTER pay they told me! i told them im gon na n a fixed income and cant pay a debt i dont know about and he said i better get a friend or family member to pay the debt! i told them i had no clue what this account was i ask for documentation or proof of the account and i never got it. i ask for it to be removed from my credit and was assured it would be and its been 8 months and its still on my credit
07/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 440XX	Web
Nelson Cruz and Associates called to collect a debt discharged in bankruptcy over 10 years ago. Accused me of fraud due to " cross collaterilization '', threatened to " flag '' my car ( whatever that means ) and overinflated the amount of the original debt. Told me that the debt was not covered under my bankruptcy, which it clearly was, and regardless of that, the statute of limitations would certainly apply. Their tactics are scummy and unethical.
09/08/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA XXXXX	Web
I called the company to dispute the debt and get the address of the correspondence. The person I talked to told me they were a federal agency and that I cant dispute the debt. She refused to give me the address for correspondence and repeatedly called me a liar before I hung up. I paid the collection due to it being a relatively low amount, now the collection agency is refusing to update my report, despite numerous disputes
05/05/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	SC 291XX	Web
Company called me at work and wantes to verify it was me and said thus was an attempt to collect a debt. I asked them to remove that number from their list, that i was at work and could not receive phone calls like that at work. I asked them to stop. Gave them an alternate number to contact, don't know what it is about except they are saying a debt. I have no debts in collections according to my credit reports.
12/08/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	KS 667XX	Web
Company calling on behalf of a law firm XXXX ... or something like that.. but they wont give out their company 's name ... they are stating they are not a collection agency. They have called 3rd party family members multiple times telling them they will put a lien on our house.They say they are n't violating fair debt act because they are not a collection agency. They are harrassing us and our family though.
08/04/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33570	Web	Older American
Looks like someone used my personal information to obtain some type of loan withXXXX XXXX XXXX, my name, social security number, phone number was used to obtain a loan without my consent in XX/XX/2023, now it has been sent to a collection agency, Nelson Cruz and Associates to try to collect for something that I did not do, the amount that was put on my XXXX XXXX credit report is for {$3800.00}.
08/04/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33570	Web	Older American
Looks like someone used my personal information to obtain some type of loan withXXXX XXXX XXXX, my name, social security number, phone number was used to obtain a loan without my consent in XX/XX/2023, now it has been sent to a collection agency, Nelson Cruz and Associates to try to collect for something that I did not do, the amount that was put on my XXXX XXXX credit report is for {$3800.00}.
03/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 402XX	Web	Older American
Nelson Cruz & Associates, a collection agency continue to wrongly call " my number '' and leave messages for another person. They use in-state id 's when calling to confuse. A XXXX called on XX/XX/2022 at XXXX am. A XXXX called and left a message on XX/XX/2022 at XXXX pm. XXXX XXXX called and left a message on XX/XX/2022 at XXXX & XXXX pm. These were all calls for a " XXXX XXXX ''.
09/08/2023	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 442XX	Web
ON XX/XX/2023 NELSON CRUZE AND ASSOCIATES FAULSLY REPORTED A DEBT THAT I PAID IN FULL TO MY CREDIT REPORTS AND IT DROPED MY SCORES XXXX. I CALLED THEM TO ASK THEM TO TAKE IT BACK OFF MY REPORTS AND THEY BASICALLY BLEW ME OFF! I WAS IN THE PROCESS OF IMPROVING MY SCORE AND NOW THIS HAS REALLY SET ME BACK! PLEASE CONTACT THEM AND HAVE THEM REMOVE THIS OFF MY REPORTS IMMEDIATELY!
04/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35749	Web
I requested that Nelson Cruz validate an account for XXXX XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything. This is not my account. Someone else opened this account in my name, which is why I requested full validation from this collection company.
02/26/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43207	Web
This company has tried to collect time-barred debt or debt that is not mine. I reported them once a few years ago and it stopped. They have started calling me again. They call from XXXX and tell me to call Mrs XXXX at XXXX x XXXX. They called on XX/XX/21 at XXXX XXXX, at XXXX XXXX. Called on XX/XX/21 at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34655	Web	Servicemember
A recent review of my credit report revealed a collection account from Nelson Cruz and Associates with a date of 2016 which is past the statute of limitations to collect debt in the state of Florida, this company is not licensed to collect debt in Florida and I have no knowledge of this unverified debt. I want this debt removed from my credit report
07/27/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77083	Web
On XXXX XXXX a certified letter was mailed to the company to cease all forms of communication with me through any and all mediums. Im addition to that I sent an invoice for remedy due to my rights that were violated under the FDCPA ( 12 violations total at the time ). Ive since received communication on two more occasions since I mailed the letters.
12/18/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30038	Web
I received a call from a debt agency called XXXX XXXX and XXXX based in XXXX Texas. The debt collection agency stated that they will garnish my wages for a debt over XXXX XXXX XXXX. A vehicle that was repossessed 10 years ago. The number that called me is XXXX which is from XXXX New Jersey. The person told me I will be arrested if debt not paid.
12/31/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08302	Web
NELSON CRUZ & ASSOCIATES ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
02/01/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31326	Web
I am writing to dispute the following information in my file. Nelson Cruz by way of XXXX XXXX has applied a falsified account to my credit file. This account was fraudulently created in my name and I am unaware of its existence. I am requesting that Nelson Cruz by way of XXXX XXXX have the item removed from my credit report.
08/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95823	Web	Older American
I was checking my credit report, noticed a collection account, an account that I've never heard of. Nelson Cruz Associates XXXX XXXX XXXX in the amount of {$640.00} opened on XX/XX/2021 That's impossible! I DID NOT OPEN ANY SUCH ACCOUNT! The company has extremely limited contact information, no address nor phone numbers.
09/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web
NELSON CRUZ & ASSOCIATE at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of $ XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95826	Web
On XX/XX/XXXX I checked my XXXX score on XXXX. It shows that I have an account open at Nelson and cruz associates. I do not know who these people are and was not contacted to resolve the debt before it was reported on my credit. I do not owe money to these people and I would like it removed feom my credit report.
04/30/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44121	Web
In accordance with the Fair Credit Reporting Act XXXX Nelson Cruz and Associates, has violated my rights. 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2, states a consumer reporting agency can not furnish a account without my written instructions.
07/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I send Nelson, Cruz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX a certified letter to provide documentation on a debt they are pursing. to prove the debt they say I owe is valid over a month ago. They have failed to respond and keep emailing me when I have asked them to stop. USPS Tracking # XXXX
07/02/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX XXXXX	Web
A company called Nelson, Cruz and Associates called me and said I had a 6 year old debt that if I didn't take the settlement offer they would sue me and take me to court in my home county. I have nothing from this company in writing stating anything about an old debt, just a phone call threatening me.
09/27/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 306XX	Web
XXXX XXXX at Nelson, Cruz and Associates ( XXXX ext XXXX ) first called a neighbor of elderly father to contact him since they did not have the phone number. Once on the phone XXXX threatened him and said if he did not settle that day she would take his house. She was trying to locate his son.
06/02/2023	No	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	AK 99504	Web
XXXX I noticed my report showed a collection but I did not give written permission for 3rd parties to furnish this information on my credit report according to Consumer Law 15 USC 1692c 805 that I have a right to be notified in writing but not have a thing. Attached is the report on my file.
08/04/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77083	Web
This agency is in violation of 15 US 1692b. The agency has contacted me multiple times and is now harassing me via phone calls and email. The agency received a letter in writing via US certified mail on XXXX XXXX to cease all further communication and collection attempt on this alleged debt.
01/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10461	Web	Older American
I received a letter on XX/XX/21 stating I owed {$3000.00} from Nelson Cruz and Associates. The company they represented, XXXX XXXX, is the claimant. I have never had any services rendered from this company. I sent a letter ( attached ) demanding they remove my name from this debt.
07/18/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06770	Web
I have no knowledge of this account, I dont know why this collection agency put this on my account I have not received one correspondence from the creditor XXXX or from Nelson collection agency I just happen to check my credit report this morning and stumbled across this.
02/28/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web
XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$79.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AAMOUNT {$300.00} XXXX XXXX XX/XX/XXXX AMOUNT {$300.00} NELSON CRUZ & ASSOCIATES XX/XX/XXXX AMOUNT {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.
09/18/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17552	Web
There are a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report
02/17/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 368XX	Web
A collection showed up on my credit report and I contacted the collection company and they have no signature and the address is not correct and I have no idea what it is. The collection company said they would not remove it without me filling identity theft.
05/02/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77075	Web
I told agency to stop contacting me regarding. They stated that they will take me to court and put me in jail. And also mentioned my house and vehicles and my credit card information. Now i am afraid that they know where i live and what vehicle i have
07/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77535	Web
XX/XX/XXXX disputed inaccurate reporting of an item not mine. XX/XX/XXXX credit bureau resolved dispute. Removed negative impact from my credit report. 79 days later same credit reinstated the same negative impact without notice and justification.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29461	Web
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.
07/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK XXXXX	Web
This debt popped up on my credit report this year. I have no clue what this company is or who they represent. It should be against the law for this companies to just pop up on your credit report without contacting the consumer first
05/19/2023	No	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	SC XXXXX	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
06/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20735	Web
I received an email on XX/XX/21 and was not given the full 30 days to validate debt prior to credit reporting. I have since emailed twice with no response. Thi is a clear attempt to damage my credit reputation
06/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30013	Web	Servicemember
I became aware of this collections by viewing it on my credit report, by this company falsely putting this collection on my report has lowered my credit score and cause a missed credit opportunity.
12/16/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 27107	Web
I have payed this depth collection agency name ; Nelson Cruz and Associates from XXXX XXXX. I no longer owe this company and would like to have it remove from my collection. Thank you very much.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11772	Web
I received a call about a debt that was from 7-10 years ago. I asked for proof of this debt and never received it. A few days later it was on my credit report as a collection.
08/18/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77706	Web
I never received notification of debt and never received information about disputing debt and never received verification of debt either. Delete off my credit report.
02/22/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	IN 47933	Web
They have called me upwards of 60 times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.
12/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75104	Web	Servicemember
Nelson Cruz and associates agreed to pay for delete all entries to all credit reporting agencies to which they report. Final payment has been made.
08/17/2020	No	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TN 38002	Web
My family and I keep getting harassed by the same agency. I dont owe them money. Never have. I need them to leave me alone.
03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45044	Web	Servicemember
I was alerted by the credit bureau that this account was turned over to collections. I had no knowledge of it
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 293XX	Web
Account was opened XXXX XXXX I have no knowledge of this account have filed multiple reports
12/06/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Web

09/25/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30224	Web

09/21/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36801	Web

09/13/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77493	Web

09/01/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44127	Web

08/22/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30078	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63135	Web

07/31/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19711	Phone

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20002	Web

07/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KS 67220	Web

07/18/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91784	Web

07/04/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94561	Web

07/01/2023	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 76549	Web

06/27/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 19132	Web

05/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30184	Web

03/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23225	Web

02/22/2023	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29212	Web

02/22/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95833	Web

02/20/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

02/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web

02/17/2023	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90805	Web

01/29/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33181	Web

01/29/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39773	Web

01/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11213	Web	Older American

12/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web

12/06/2022	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	AR 72113	Web

11/05/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 52722	Web

10/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77429	Web

09/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 52732	Web

08/30/2022	No	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CA 93301	Phone

08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75068	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75002	Web

07/13/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60643	Phone	Older American

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91901	Web

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91901	Web

06/17/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28625	Web

06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92679	Web

05/17/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78253	Web

04/28/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70501	Web

04/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78621	Web	Servicemember

04/24/2022	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 78239	Web

04/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70548	Web

02/22/2022	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 Investigation took more than 30 days	NY 10301	Web

12/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23236	Web

12/09/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75569	Web

11/17/2021	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	AR 72211	Web

11/13/2021	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	AR 72211	Web

09/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web

08/20/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 14043	Web

08/06/2021	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	MI 48174	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30165	Phone

07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92240	Web

06/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19015	Web

06/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

06/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92105	Web

06/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92105	Web

06/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60641	Web

06/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53154	Web

05/20/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92105	Web

01/22/2021	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	GA 31908	Web

12/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PR 00698	Web

11/20/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37821	Web

11/16/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93550	Web

10/27/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45324	Web

10/19/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91202	Web

09/15/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07109	Web	Servicemember

08/30/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93933	Web

08/13/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30102	Web

07/15/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90008	Referral

07/14/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90008	Postal mail

06/26/2020	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 45255	Web

06/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92707	Web

02/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78233	Phone

01/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

10/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29646	Web

09/20/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 77036	Web

08/01/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VA 23260	Web

07/31/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone	Servicemember

04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78570	Web

04/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75238	Web

03/26/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 80011	Web

11/06/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37221	Web

10/30/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AL 355XX	Web

10/10/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73401	Phone

04/17/2018	No	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 12548	Web

03/21/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	SC 29607	Postal mail

03/12/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 08109	Web	Older American

02/20/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33067	Web

02/20/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33067	Web

02/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33067	Web

01/31/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	PA 16143	Web

01/16/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85267	Web

12/22/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 17068	Web	Servicemember

08/24/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85260	Web

06/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33626	Web

03/09/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	DC 20017	Web

03/07/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 75402	Web

01/26/2017	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 75702	Phone

10/10/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 65689	Web

08/22/2016	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	CA 94949	Web

07/15/2016	No	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	OH 44471	Postal mail	Older American

07/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 90047	Phone

05/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43302	Web	Older American

04/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33149	Phone

02/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33436	Web	Older American

01/14/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 30547	Phone

12/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 77272	Web

12/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97123	Referral