| 02/25/2020 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/XXXX my vehicle was in an accident, I was nowhere near the accident. I had just given XXXX a week before the accident. I was transferred in an ambulance to a hospital that had the equipment to help my XXXX. The hospital is an hour and a half away and I was there for three weeks with my XXXX son. The person driving went through court dates, he is now in prison. I got numerous letters from the company trying to come after me for the money. They sent me letters saying they were going to take legal action if I do not make the payment in full ( XXXX XXXX ), then I got a letter stating that my license plates were going to be suspended if I do not pay. I told them the one responsible for the accident has everything on his case. They said that since hes in XXXX and cant pay then I have to. They stated that in Wisconsin both the owner and the person behind the wheel at the time are both equally responsible. I accepted that, I tried working with the company ( Paragon Subrogation ). I gave them a down payment of {$400.00} and started the paperwork. The lady said she was going to mail me the installment agreement so I could have it notarized and that it would arrive Monday. Nothing came in the mail, I called back and told them I had not received the paperwork. The same lady said that she had not sent them out yet, that she was waiting for them to finish the installment loan agreement. During that same phone call she said its ready and that she was going to email it to me at that moment, she stated that it would be in my email within an hour. I kept checking my email during work and I received nothing. To this day I have not received the installment loan agreement and my license plates are now suspended. Im sick and tired of going in circles with this company. I need my vehicle for work and to take my son to his appointments. I work for a company that requires some traveling and if I loose my job then I wont have any money. What really gets me is that after I gave the down payment and they said they finished the installment loan agreement ( which I have not received ). They are threatening the driver, his sister, and his mother after I made the down payment and started the paperwork. They went out and contacted them through email, our question is how did they get their information? His sister lives in a totally different state and theyre going after her for {$18000.00}. We did our research and found out there are other cases exactly like ours that have complained and nothing has been done and none have been resolved.
If they have the drivers case information and are already going after him for the money. Then why continue to harass me and threaten me for the {$18000.00}?
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| 09/07/2023 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip ] XXXX [ Phone Number ] [ Date ] Fleet Response XXXX XXXX XXXX XXXX.
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) Subject : Notice of Intent to Pursue Legal Action for Non-Compliance and Erroneous Reporting Dear Sir/Madam, I am writing to express my deep concern regarding inaccuracies in my credit report, which I previously brought to your attention on [ reference the date of the previous dispute letter ]. Despite my efforts to rectify this situation, the inaccuracies remain, indicating a concerning disregard for my rights under federal law.
The disputed information includes, but is not limited to, the following account names and numbers as they appear on my credit report : The Fair Credit Reporting Act ( FCRA ) entitles me to an accurate credit report, which includes the correction or removal of erroneous, inaccurate, or outdated information in a timely manner. Additionally, the XXXX XXXX Compliance guidelines mandate that you uphold the highest standards of data accuracy. Your continued failure to address the inaccuracies in my report is a clear violation of these guidelines.
I urge you to rectify these inaccuracies within 15 days from the receipt of this letter. Should you fail to do so, I will be compelled to explore all legal avenues available to me, including filing a lawsuit for non-compliance under 15 U.S. Code 1681i. This could result in statutory and actual damages, attorneys fees, and court costs.
I trust that you will handle this matter with the urgency and seriousness it warrants.
I anticipate a swift response and a corrected copy of my credit report within the specified timeframe. Any failure on your part to meet this obligation will leave me with no choice but to seek all remedies available under the law.
Sincerely, XXXX XXXX
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| 08/22/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.
Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.
I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.
Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done.
Thank you for your immediate attention to this matter. I anticipate a timely response.
Sincerely, XXXX XXXX
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| 08/22/2023 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.
Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.
I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.
Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done.
Thank you for your immediate attention to this matter. I anticipate a timely response.
Sincerely, XXXX XXXX
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| 05/24/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Paragon Subrogation Services send us a letter a year ago, claiming that we owed insurance money for a tree that had fallen on a neighbour 's property, threatening with legal action, and alleging that they had provided us earlier notices. I called them to inform them that at that point we had no longer owed the property in question. They sent us an identical letter 2 weeks ago. When I called them again, the person allegedly handling the claim had no information about it other than saying again that it was due to a fallen tree. When I told her that the property was not ours on the date of the alleged claim, she went silent and hung up.
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| 11/02/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX , Inc. has sent harassing letters to me indicating I owe monies for alleged damages that I have caused. I have requested specific information about the nature of the alleged damage and proof that I am responsible. I have not received a response and recently received a letter threatening that they will be pursuing legal action against me for a debt that I do not owe.
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| 01/27/2024 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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| 04/03/2023 |
No |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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| 06/29/2021 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Phone |
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| 10/06/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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| 02/28/2017 |
No |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Referral |
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| 09/03/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Referral |
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| 05/01/2015 |
No |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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