| 12/11/2017 |
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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On XX/XX/XXXX at approximately XXXX I received a phone call from someone claiming to be from the XXXX County States Attorney office indicating they had an order to subpoena me for a court hearing that needed to be delivered to me as quickly as possible so I can avoid further consequences and possible jail time. They indicated that they would be arriving at my home within an hour and asked if I was home. I said no, and asked what it was about. The young man calling indicated that he was just hired to deliver the subpoena and did not know what it was about, but that I should call an XXXX # and they would be able to reschedule, and if I did not call it would be declared as negligence on my part. I told him I would take time off work and meet him at home or that he could bring it to my office. He indicated he had to follow strict scheduling directions and again I should call the XXXX # to reschedule so that there is a record of my compliance.
After hanging up the phone I thought for a while what this may be about. At approximately XXXX I called the XXXX, I was immediately told that this was an attempt to collect a debt. I told them I was calling about a subpoena that was to be delivered to me. The person I spoke with said that the subpoena could be avoided if I " took care '' of my debt. I asked him to explain what debt he was talking about and he mentioned a debt that was on my credit report that I had already spoken to a collection agency on and explained that I had never lived at the address they indicated nor had I ever done business with the company they mentioned. It was a home alarm system company, I told them I never had a home alarm system in my home, ever.
They said the address looked like it belonged to a family member and that I should call them and get them to pay this debt. I told them I did know the name of the person but had no idea how I could contact them, but would try to figure it out. After hanging up I thought about it for a bit longer and decided I had no idea how to go about this. I called the company back and told them I would rather handle it with the court as they had originally indicated and asked them to send me the court documents so I can go testify that this was not my debt. They said they would send me documentation.
No documentation has ever been received.
Today, XX/XX/XXXX I received a phone call and vice mail from a person identifying himself as XXXX XXXX, no other information is given. The message is as follows : 'This is XXXX XXXX I am placing this call today regards to paperwork received by my office from one of our clients it states that documents were sent to your house and you failed to respond. Due to the nature of this claim it is imperative that you or your attorney contact he office immediately at XXXX. Unfortunately if I do not hear from you I will have to mark this as a refusal to comply which may result in further action. Again my number is XXXX. ' I called the XXXX # and XXXX XXXX answered the phone, I told him I was calling back regarding a call I had received. Before I could tell him what the call was about he indicated that the last time they spoke with me was in XX/XX/XXXX and that I had indicated that the person responsible was a family member. He continued to say that all communication had stopped and I never called back. I told him that I had called and asked that the subpoena be issued becasue I had no idea how to clear up that I was not responsible to this debt and that I was not the one who indicated it was a family member that they were the ones who told me it was. I also asked what company he was calling from he said Account XXXX XXXX. I told him that I had indicated that I would like to be subpoenaed. He became aggressive saying that I owed this money and I had to pay it or I would have negative consequences. I told him that the tactic they were using was illegal and I would be reporting them becasue they were telling me I needed to go to court and were threatening going to jail.
He denied that anyone would be threatening me with going to jail, said that they comply with all state and federal laws and that they were not a collection agency so some of the laws did not apply to them, however because I was lying to him about the threat of jail time he could no longer believe anything I said and would have to end the call. He hung up.
The best I can gather from these calls is the following information : : It was applied for in XX/XX/XXXX ( a home security system ) Place into debt in XX/XX/XXXX The caller is a mediation company named Account XXXX XXXX.
Their client is Perfection Collection.
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| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Servicemember |
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On XXXX / XXXX I was contacted by an unknown number stating they had legal documents to drop off an I needed to sign for them. I ask what the documents were about and was told it was a judgement that needed to be sign for and was given a number to call XXXX XXXX . I call the company and was told that it was for a delinquent account from XXXX that was sold to them. I contact XXXX which I have an account with XXXX for over 2 years and have been in good standing every since. They had me send in proof of my signatures to verify it against the delinquent account. I receive an email XXXX / XXXX from XXXX stating the account I'm disputing has been sold to Perfection Collections. Due to this they legally cannot review my claim. I will need to contact Perfection Collections to have the disputed account reviewed on my allegations. I was offered a 3 month credit on my account for having to go through this. I contacted Perfection Collections about the account and was told they would send me the information for the account in question. I received the email XXXX / XXXX with the signed contract that they are stating I signed. I in return sent them signed paperwork, my license and military ID to show that those signatures do no match. I contacted Perfection Collections on XXXX / XXXX and was told those signatures look alike and it was my account and I needed to contact the other name on the account and get the money from them or file a fraud against that person. When the account was opened I lived in XXXX so I'm not sure how they can say it's my account. It has a wife listed as XXXX XXXX on the account and I've been married since XXXX and that's not my wife on the account. I believe Perfection Collection is trying to use a strong arm tactics to extort money from me.
Email from XXXX
From: XXXX XXXX >
Date: XXXX XXXX XXXX at XXXX XXXX CDT
To: "r XXXX XXXX XXXX > " >
Subject: Regarding XXXX Service Number: XXXX
Hello XXXX ,
My name is XXXX XXXX XXXX XXXX XXXX and I review claims on a contracts validity for XXXX XXXX XXXX
Unfortunately, the account you are disputing has been sold to Perfection Collections. Due to this I legally cannot review your claim. You will need to contact Perfection Collections to have the disputed account reviewed on your allegations. The below link has their address and phone number.
Perfection Collections < Caution- XXXX >
Per our discussion regarding your account, XXXX XXXX , I will be waiving three months of service. This offer, depending on how fast the credits will go through on our end, will either waive XXXX through XXXX OR waive XXXX through XXXX . Please use this email for your records. I have notated our discussion on your account on case XXXX .
Thank you,
XXXX XXXX )
Special Cancellations Customer Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX
v XXXX
Email from Perfection Collection
XXXX XXXX
Reply |
Today, XXXX XXXX
You
XXXX ,
I did some digging on your account. You lied to me when you told me you didn't know XXXX .If you didn't sign it, then have her pay or charge her with fraud.
According to what I was able to dig, you lived at the property from: XXXX to XXXX
View Map
Utilities
XXXX XXXX XXXX XXXX , XXXX , TX XXXX ( XXXX COUNTY) ( XXXX XXXX XXXX )
Subdivision Name: XXXX XXXX
And XXXX lived there from: XXXX XXXX XXXX
View Map
Utilities XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( XXXX XXXX XXXX
Subdivision Name: XXXX XXXX
The alarm system was installed in XXXX XXXX XXXX while you were both living at the address.
XXXX XXXX r
Perfection Collection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX
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| 07/31/2018 |
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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I first learned of a collection agency debt to XXXX XXXX XXXX for nearly {$5000.00} for an alarm company when I got a copy of my credit report on XX/XX/2018.
I sent a validation letter certified to Perfection Collection demanding proof that I owe the alleged debt, which was received on XX/XX/XXXX.
They replied with an offer to settle for 75 % of the original alleged debt and a copy of a contract with only my first and last name matching : * The installation and billing address has never been associated with me in any way. I have never even been to the town listed.
* The customer phone number has never been associated with me or anyone I know.
* The email address has never been associated with me.
* The signature on the alleged contract does not match mine.
* I have never had any contact or business with the alarm company.
* The spouse listed as spouse in the emergency call list is not my spouse or anyone I have ever met or had any contact with.
* The phone number listed for the spouse is not a number I have ever had any contact with.
I disputed the debt online with XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX replied : The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
According to my credit card FICO history between XX/XX/2018 and XX/XX/2018 my FICO score declined by 138 with no negative information other than the Perfection Collection listing.
I called Perfection Collection and explained to someone who identified as XXXX XXXX that none of the information on the alleged contract matched me or my verifiable details, but he said the only way he could help me is if I provided a person who committed fraud for them to collect from.
I asked to talk to his supervisor and was transferred to XXXX XXXX. I told her again that none of the information on the form matched mine. She read me a date of birth and social security number that were not listed anywhere on the paperwork her company provided me and said that proved the account was mine. She repeated the only way to get them to respond to my proof that this is not my account was to provide a name of a person being prosecuted for fraud. She said a police report was not enough.
I called my local police to report fraud. An officer called back and offered to speak to Perfection Collection on my behalf after hearing some details about the debt Perfection Collection alleged that I owe.
The officer called back to let me know that Perfection Collection told him the same thing as they told me, that a person had to be identified by law enforcement as committing fraud in order for them to remove the negative information from my credit report. He explained to me it was easy to get a date of birth and social security number online, despite me never having provided them. He asked that I forward the validation letter and other supporting documents to him.
The officer contacted me again to share a case number and to say a suspect with my first name but a different last name at the address on the contract was in his database with an alias of matching my first and last name. He called Perfection Collection and said I was the wrong person and they said they wouldn't do anything about it until someone was prosecuted.
I reported Perfection Collection to my states division of financial regulation, and learned that Perfection Collection does not have a license to do any collection activities in my state.
Perfection Collection is not licensed to operate in Oregon and refused to remove a debt from my credit report they knew to be not mine. Anything that can help prevent them from continuing this abusive behavior to other innocent people would be highly welcome.
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| 08/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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This complaint is in addition to existing claim # : XXXX. I am adding documents to the this dispute / complaint.
Since XXXX, my family and I had XXXX as our home security. In early XXXX, a technician came to our home claiming to be an XXXX tech and stated they were going to their customers home to schedule appointments, as a courtesy, to upgrade their security equipment to their latest model. He stated the system we had was outdated and they are having trouble with many of their customers with the same systems. We agreed to the update/ upgrade. Before the tech left our home, he stated we had to sign, stating we agree to the upgrade and that our bill would be discounted because I was XXXX XXXX military.
Approx 2 months later, I called XXXX because I was having constant beeping issues with the system. The XXXX rep advised me that I did not have an active account with them and that the service was disconnected. I explain to the XXXX rep of the upgrade by their technician and what happened. The XXXX rep stated no one from their company came to our home and did any installs and nothing was wrong with our old system. She stated that it seems we were scammed.
I then tried to contact the tech that came to our home and no answer, so I called the number on the card he left us. I explain to that Customer Service rep of what happened and she stated they are XXXX and not XXXX. I told her that I would like to cancel the service as we did not agree to change company. The tech stated he was from XXXX.
The customer service rep stated we signed a contract and would have to pay the termination fee if we cancelled. I then asked to speak to manager because this was fraud as we were misled that we were upgrading our existing XXXX monitoring system/ equipment. I also stated that I will pursue legal action against this company, with our XXXX XXXX Legal office because I am sure this was illegal.
The rep placed me on hold. After several minutes of holding, the rep stated they will agree to cancel the contract and that we would be at a month to month service agreement with them. She asked that we give them another chance to fix the system and keep the service. I agreed to the month to month service and the rep transferred me to troubleshoot the beeping noise.
Throughout the next year, we continue to have issue with the alarm, as it would always say ( red button ) that our doors and windows were opened. Also, we had problems with the alarm " arming ''.
In late XXXX, I called XXXX and advised the rep to TOTALLY disconnect the service and that I was switching back to XXXX. After the call we never heard from XXXX since, until we received this collection letter from XXXX XXXX XXXX. XXXX XXXX XXXX sent me a letter dated XXXX XX/XX/XXXX in which I mailed a letter back to them disputing this debt on XXXX XX/XX/XXXX.
On XXXX XX/XX/XXXX, XXXX notified XXXX of this debt, which is against the law, as I had disputed this debt within the 30-day notice. XXXX XXXX did not follow the law in reporting this debt correctly as XXXX XXXX - XXXX XXXX is under the 30-days allowed to dispute.
On XXXX XXXX, I sent a certified letter to XXXX XXXX XXXX and XXXX disputing this debt again, also within the 30-days dispute notice.
On XXXX XX/XX/XXXX, XXXX XXXX XXXX reported this debt to my XXXX report, but listed it as PERFECTION Collections, LLC. I have never received a letter/notice from Perfection Collections, LLC. Per my XXXX Credit Report, the address for Perfection Collections, LLC is the same as XXXX XXXX XXXX.
There is a whole lot of illegal action/reporting going on with this account and I request that this debt is removed QUICKLY from all reports and NEVER added back again as I do not owe this debt to XXXX nor XXXX.
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| 08/26/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On or about XX/XX/XXXX, I received a phone call from an " Unknown number. '' The caller identified herself as a process server and asked whether I would be home during a certain window so that she could serve me with court papers on a lawsuit that had been filed against me. She stated that if she could not serve me during this window I may miss the court date and have a judgment entered against me. I am an attorney, and immediately recognized what she was saying was not correct.
I asked what address she was talking about, and she provided an address in XXXX XXXX that I had not lived at for over 3 years. I now live in XXXX. I asked what the case number was, and she would only give me a phone number to call and a reference number, which I recognized was not a court case number in XXXX XXXX. I then asked what court the case was filed in and she responded, " XXXX County. '' I looked up my name on the XXXX County XXXX XXXX public judicial index and no case had been filed against me.
I called the number she provided and gave them the reference number. The company did not immediately identify themselves, and instead began to attempting to collect an old debt that, to my knowledge, had been cleared and discharged by both the original company and another collections agency it had been sold to. I asked the person to back up and identify the Company she worked for. She told me the company 's name was " XXXX XXXX XXXX. '' She then went on to tell me that a lawsuit, or a third party lawsuit, for breach of contract had been filed against me related to a debt from XXXX from a security company, XXXX, to collect {$4200.00}. She mentioned that a collections company had written off the debt as noncollectable and now their company, or their client, was trying to collect the debt. I could either pay right now or go to court.
I stopped her and told her that I had cleared that up in XXXX with both XXXX and Perfections Collection. The debt had been sent to collections in my name in error, and I did not owe any money pursuant to the contract. Perfections Collections provided me a letter stating the same. ( The amount of the debt Integrity quoted me was about {$800.00} more than the amount of the debt in XX/XX/XXXX. ) I relayed this information to the woman, who then transferrred me to her supervisor. Her supervisor 's name was XXXX.
I asked XXXX about the lawsuit that had been filed against me. He backtracked and stated that the Company he worked for was actually a " private mediation company '' and " his client '' was assessing whether or not to pursue a lawsuit against me ; it had not already filed a lawsuit. I again told him about how I had already cleared the debt up with XXXX/Perfection Collection and had the letter acknowledging the debt had been written off because I had no obligation to pay it. He appeared to have the XXXX contract in front of him, and he agreed that my name was not on the contract and only the name of my former landlord and someone else were on the contract. He then asked that I send email him the letter from Perfection Collections and gave me an email and a phone number. He then told me that he would " recommend to his client '' not to pursue a lawsuit against me. I hung up and attempted to email the address he gave me, but the email bounced back. The phone number he provided also did not work. I have no idea if this company is still out there attempting to collect this debt.
I read elsewhere online and on the XXXX website that this company has used similar fraudulent techniques on people across the country. I believe this practice violates the Fair Debt Collection Practices Act ( FDCPA ) and other federal laws.
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| 12/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XX/XX/XXXX we contacted XXXX XXXX., to provide home monitoring service to our existing alarm system in the home it which was already operational requiring no additional installation, products, or services. We spoke with XXXX via phone and at no point was discussion of any agreement, commitment, or anything related which would require a binding agreement or contract to any product or service. Especially since we already owned our own equipment, services, features, products, & equipment in the home. A XX/XX/XXXX door to door sales person also spoke with us prior to the installation again there was no discussion or information provided tell us of a contract or commitment requirement. On XX/XX/XXXX a XXXX technician arrived at our home to establish a home monitoring connection to XXXX, we asked about the cost to buy other sensors etc and he advised there was no cost and was included with our services. Again we never agreed to any contract, additional cost, or services.
After the XXXX technician completed his work on our system he presented a several forms for us to confirm his work and if where satisfied in addition there was another form he said he had to sign to complete the home monitoring process and said there was an agreement for 60 months and he wanted my social security number, I said no and I did not want to provide this information she thats fine this is all circumstantial and he could take a divers license number and he said we could cancel at any time and would no formal agreement.
This agent of XXXX therefore misrepresented, made several mistakes on our paper work, we where under duress due to numerous circumstances, he pressed us with undue influence. Several vitiating factors which void any and all contractual obligation or agreement was during the sales inactions the XXXX agents said any contract can be canceled at any time without penalty. Furthermore the proposed null and void agreement fails to include all disclosures required by FCCPA.
Plus XXXX misrepresents their the offer for free installation of alarm equipment was " a limited time offer that needed to be taken advantage of immediately '' or misrepresents that " there were increased incidents of crime in the area '' where XXXX attempted to solicit business ; or in a face-to-face transaction misrepresents that they are " conducting a special sales promotion, a special offer limited to a few persons '' or " authorized to place the offered goods or services in a limited number of homes.
XXXX failed to in our face-to-face transaction to disclose in writing before we entered into any purchase contract and before they took any credit card number or accepts any payment from you any important detail ( s ) XXXX also misrepresented the cost of the goods or services offered or promoted by them, or fail to disclose material costs payable by me ( the consumer ), e.g., XXXX asserts that equipment is " FREE '' with {$99.00} installation fee, and that the agreed-upon ( auto-renewing ) contract is for a term of monitoring services of that equipment, then later states you owe for the cost of said equipment.
Now they have attempted to send us to collections for what they feel is monies owed of XXXX.
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| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with XXXX XXXX ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called Perfection Collection, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years Perfection Collection kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on Sunday, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of Perfection Collection but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with XXXX who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is Perfection Collection, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state. XXXX keeps allowing them to add/remove/adjust a re aged alleged debt and they are not doing their job in the dispute review to see that the dates on the original debt with [ XXXX XXXX then sent to XXXX XXXX and then the to Perfection Collection and now to XXXX XXXX XXXX ( who is also Perfection Collection ) ] has met its statute of limitations as of XXXX.
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| 04/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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Three men came to our home to tell us about their alarm system. They saw we currently had XXXX alarm system and explained that our alarm system was not the same caliber as theirs. They said that their alarm was better because it was wireless and a robber couldn't cut the cables and disable our alarm. They said some pitch about their system including an energy saving program that could be managed through the telephone app. They promised we would save money while using their alarm system package. So we decided to purchase the equipment which was roughly {$1000.00} I put it on a credit card. In the first month XXXX had to come back to our home 2x to reinstall because the first time they set up their thermostat monitors they switched our AC with the Heater the second time our ac was still not functioning properly. Imagine thinking you had the AC ready and cool before coming home from a long day of work and come home to a home in the summer time over 90 degrees hot.
The third time we had to actually hire a professional it was in the winter time when XXXX connected our heat they placed the coils on our AC/Heater unit on emergency heat which caused us a {$1200.00} electric bill. XXXX XXXX response to their mistake, which is what the professional company we hired to correct the issue told us, it was in fact XXXX XXXX error.
XXXXXXXX XXXX response when we presented these claims was to credit our alarm bill {$30.00} dollars even-though our electric bill was over {$800.00} our usual expense thanks to their error. The contract we signed was for a 36 months however the contract explained that we were supposed to save money and that our home would be monitored 24 hours a day. 1 ) We did not save money and their response to our electric bill was not at all correcting their mistake considering I had to pay a professional to fix their error an additional {$120.00}.
2 ) The alarm kept disabling and at times would not be monitoring and we would get those alerts on our phone app.
3. ) several times the alarm would enable on its own and warned us that our system was not performing adequate surveillance.
When our electric bill kept coming up higher than it normally would we stopped paying XXXX because they did not hold their end of the contract with an energy saving plan and monitoring our home 24 hours a day. We called XXXX to cancel our contract even offered to give back all the equipment back on a system we don't use let alone need, their immediate response was no and instead reported a {$2100.00} debt to our credit report for both myself and my spouse. We have spoken to other individuals that have had the same issues with XXXX. Not to mention a class action lawsuit recently settled with XXXX for the false claims to lure clients to their false claims making XXXX seem subpar. We were victims to this luring of false advertisement and in addition have now been suffering over a 3 years with negative impact to our credit report.
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| 01/15/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with XXXX XXXX ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called Perfection Collection, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years Perfection Collection kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on Sunday, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of Perfection Collection but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with XXXX who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is Perfection Collection, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state.
|
| 09/13/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I obtained XXXX, the product was defective. I tried calling them to fix it and they never did. I cancelled services with them and sent them their equipment back through XXXX. I did it within 1-2 months after obtained services from them because of their refusal to fix their defective product.
The system would not allow AC to work properly or would not control things properly either. -In XXXX , California the average temperature during the summer is around the 100-110 degrees, so I needed a functional AC for my family.
XXXX never sent me a bill with a balance after I sent them their equipment back, I called them in several times asking for a balance corrected after I sent the equipment, but they were not able to tell me a balance, even any amount of money.
Back on XX/XX/2018, I discovered a new collection on my XXXX credit report, a collection agency named Perfection Collection is reporting XXXX account for {$2100.00} dollars. It called my attention because I never received an initial notice or call from this debt collector, also the balance doesnt make sense to me, I really dont know from were the {$2100.00} dollars come from, if it is for a service or for equipment.
On XX/XX/XXXX I called them and asked for an Itemization letter because -even today- I dont know the reason of the {$2100.00} dollars in collection. During the call the representative was unable to confirm my mailing address and that makes me think they never send me an Initial collection notice or something similar. The representative asked me for an email and she would send me an email with an Itemization statement.
I wait for the email until XX/XX/XXXX, I called again but no body answer my call and I called for several days, -During this time I thought this debt collector was a scam or a fake company- They answer my call on XX/XX/XXXX and they told me they didnt have a record of my Itemization Statement on XX/XX/XXXX, but this time the representative said they sent me validation letter twice by XXXX, thing that I didnt receive. Later I received an email from XXXX XXXX from Perfection Collection, the email had an attachment, it was a picture of the original contract with XXXX, But I wasnt included and itemization statement.
I called again on XX/XX/XXXX to ask again for an Itemization statement because I need an explanation of the amount in collection, then they suppose to send me a detail Itemization statement, but they again sent a photo of the original contract with XXXX.
At this point I believe this collection agency doesnt have an Itemization statement and they cant explain the reason of the bill. Also, they never sent me, and Initial collection notice and they got my mailing address at the time of my first call to them.
|
| 09/20/2018 |
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
|
|
Web |
Servicemember |
|
XX/XX/2018-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question Perfect Collection, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department.
XX/XX/2018-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. " XX/XX/2018-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/2018 simply providing a list of accounts with balances and no further details of what I had originally requested.
XX/XX/2018-XX/XX/2018 and XX/XX/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail.
XX/XX/XXXX-I sent a letter to the collection agency Perfect Collection asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/2018 and XX/XX/2018. I provided they with my findings and a copy of the Florida Statute they are in violation of.
XX/XX/2017-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, XXXX is refusing to comply.
I have been disputing the debt with XXXX since last year and XXXX is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
|
| 11/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
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In XX/XX/XXXX, I was notified with an alert on my credit report for a collection from a company named XXXX. I previously found out a few weeks prior that I was a victim of identity theft from individuals putting an apartment in my name. I reached out to the number provided on the account to which I reached the debt collector perfection collection. I explained what occurred and the individual over the phone told me I needed to send my police report which I did the next day. Fast forward two months I receive a threatening phone call about being sued by this company after receiving earlier threatening calls from a gentleman leaving vulgar voicemails which I still have saved. I reached out to the number to which the gentleman stated I was in collections and needed to pay the debt, I explained to him it was fraud and even the credit bureaus have determined it to be fraudulent as well as previous collection agencies perfection collection sold this account to obtain the debt. He stated my file was still in collections and hung up. I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX, I explained to them that I was a victim of identity theft sent over my police report, called back the following day to follow up and the manager told me she was going to close down the file and send it back to perfection collection to close down since it was reported as fraudulent, prior to this call to XXXX XXXX I called perfection collection since XXXX directly stated I needed to speak with them since they could not remove my name from the file since it was submitted to collections, I spoke with XXXX on XX/XX/XXXX in which he stated I owed this debt if it was my debt or not I needed to pay the debt, he began going on about I needed to find some way to handle it and hung up the phone. I have spoken to XXXX directly ( XXXX XXXX ) who has been trying to figure out how to get my name removed from this file to no avail. As of XX/XX/XXXX I get a call from a family member telling me that someone has been reaching out to HIS friend about my debt, someone I have no relations to or even know personally. They have been calling this individuals phone nonstop with the last phone call coming in at XXXX est past legal operating business hours. This company perfection collection has been harassing individuals that have no relation or contact to me about a debt that has been blatantly proven to be identity theft. I have the police reports, the FTC reports, credit bureau reports and still this company does not adhere to documentation that proves it is not my debt.
|
| 04/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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My credit score dropped by 35 points in XX/XX/2018 and when I checked my credit report it was because of Perfection Collection. They say I owe a debt of {$3700.00} to XXXX for an alarm system that I never ordered. It was a family member that ordered it. I was never told about this debt in time to dispute it and also, it is not my debt. I filed a dispute with the credit reporting agency ( XXXX XXXX ) and I also have a problem with how they handled the situation. All XXXX XXXX did was contact Perfection and asked if the debt was legitimate. Of course Perfection said it was legitimate, surprise surprise, so it was left on my credit report ( what type of shoddy investigation work is that? ).
I then called Perfection myself and asked them to show me proof that I signed a contract with them. They sent me a typed document with my signature XXXX at the bottom but, it was in the area for correspondence only. In other words, they wanted to let their affiliates contact me so they had to ask my permission. No problem but, it was for correspondence only and not for signing the contract as the owner. They have the real owners email address and they were sending correspondence to him as they should, not me.
All of the paper work is XXXX up. The wrong names are in the wrong places and it is costing me.
Also, we have a completley different document from what they showed me and our document is hand written. Actually it is not even a contract, it is statement of the services they will provide. We do not have a copy of a signed contract because there wasn't one.
I do not know why but, the sales person wrote mine and my mothers name, ( who, was not even present ) in as the customerr ( I still don't know where he got my mothers name from ). He wrote in the name of my brother, the actual owner, underneath our names as the owner which is correct.
The contract they sent me has my name typed on it ( not printed by my hand ) and a signature that is not mine ( that is fraud, forgery ). It seems they typed my name and then changed the font to something a little more fancy but it is still not my signature and it does not look like my signature, which I can prove.
It has been 11 months since this hit my credit report ( XX/XX/2018 ) and I am still fighting with this.
I need someone that can get this removed.
The documents I am up loading come with an attached instruction sheet that explains what I am talking about.
I thank you in advance for your prompt attention to this matter.
XXXX XXXX
|
| 06/13/2018 |
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
|
|
Web |
|
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In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Perfection Collection had reported negative information on my credit reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights.
To that end, I sent XXXX ( as reporting on XXXX ) and Perfection Collection ( as reporting on XXXX ) a dispute letter that was sent certified with a return receipt. To date, XXXX ( see attached ) stated that the account was purchased by Perfection Collection in XX/XX/XXXX. Perfection made no effort to communicate with me informing me that they were attempting to collect an alleged debt. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Perfection responded to my dispute ( this is the first time I received any correspondence from this collection agency ) by offering a settlement ; yet, they did not provide any documentation to substantiate the amount they are arbitrarily reporting. Too, the correspondence I received from them lacked veracity. It is merely reflected on their letterhead with no other documents. It is obvious that Perfection has nothing to validate what they are negligently reporting on my credit reports.
These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not provide any documentation to support/substantiate what they were reporting as well as NEVER sending a dunning letter and allowing me 30 days to respond to dispute the validity of their claim, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!
|
| 05/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.
Items : Perfection Collection Opened XX/XX/XXXX - {$4500.00} Original creditor : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 03/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I was unaware of Perfection Collection having my account of debt they became owners of my debt XX/XX/XXXX. They never mailed me any notices about my debt prior to reporting me to the Credit Bureau on XX/XX/XXXX. Once it was reported to my credit report I became aware that this company Perfection collection had it. This account had been with 2 other debt collectors ( XXXX XXXX and XXXX XXXX ) and i was made aware of those because i was notified in the mail by them in the balance amount of {$3800.00}. Once I saw the company Perfection had my debt on my credit report with a balance of {$4400.00}. Which my debit also was reported on my mothers credit report as well as a joint owner which was false. my mother and I went round and round with Perfection Collection and the original debt holder XXXX that the account was wrong my mom was fraudulently added onto my account. Charges are in the process for the fraud against XXXX and I have an email from the original debt holder that my moms name is to be removed from the account and reported to be fixed on the credit report. That still hasn't been done but during all of this I sent a written dispute to Perfection collection that I didn't agree with the balance owed and to please send my written documentation showing my debt and how the balance has be increased for justification. After several attempts via writing and calls to get this documentation to me for my dispute they have refused to provide the evidence. The ding on my credit will continue to be on my report which I would like to resolve but don't feel comfortable to settle my debt with Perfection Collection till I have the documentation of my debt and the balance increase in writing to me in the mail for my files and justification. I feel this company is violating my consumer rights. Perfection Collection keeps trying to justify their actions by saying they are offering me a 25 % discount of my debt but how am I to know that I am being treated fairly if they will not provide me any documents to justify it all. Perfection also said that i would find the additional charge in my original contract with XXXX i read the contract let them know i couldn't find such wording of additional charges if account goes to collection and any $ amounts. I've asked for them to show me where it is in the contract but have not been shown.
|
| 05/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I closed my XXXX Acct and it was paid in full. I've explained this to 2 other collection companies, as well as a lawfirm after receiving information from them by mail about an alleged collection of {$340.00} they too were trying to collect from me. I sent these prior collection businesses the information regarding my XXXX Acct being closed and paid in full. Nothing more was heard of from these debt collections about this alleged outstanding debt until XX/XX/XXXX, when I received an email from XXXX advising that there was a new Perfection Collection account added to my XXXX credit report. I knew nothing about this company nor their alleged {$940.00} collection which they claim I owed them since XX/XX/XXXX. I filed a complaint with XXXX on XX/XX/XXXX stating that I knew nothing about this collection agency or their collection account against me since I had NEVER been contacted by Perfection Collection so I really had no knowledge of them or their alleged {$940.00} debt claim against me. Because I was able to get Perfection Collections information off of my XXXX credit report I XXXX the company 's name and located a match which directed me to their webpage. On their webpage, under contact us, I was able to send them a message on XX/XX/XXXX. In my message to Perfection Collections I informed them that my XXXX account was closed and paid in full on XX/XX/XXXX. I put them on notice to take their illegally reported collection off of my credit report immediately or I would take other action against them. I told them that I thought it was illegal for them to file a negative report to the credit bureaus without any attempt to notify or contact me. To make this easier for them to see that I had already handled this debt and previous attempts to collect on it, I sent them a copy of the email correspondence to and from XXXX and to and from the lawyer that also tried to collect on this debt in XX/XX/XXXX. As of XX/XX/XXXX, I have not received any type of correspondence from Perfection Collection nor have they attempted to contact me. On XX/XX/XXXX I filed another dispute with XXXX regarding Perfection Collection 's illegally reporting a negative report against my credit claiming I owe them {$940.00} as of XX/XX/XXXX stemming from an alleged outstanding debt they claim I owe XXXX.
|
| 03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX an Associate came over to my home here in Florida from XXXX XXXX XXXX. We installed a home security system in our home. There were no problems in the beginning and all bills were always satisfied and paid in a timely manner. In XXXX a major storm hit our area and lighting struck our home a burned XXXX XXXX XXXX XXXX system. We made numerous phone calls to have the system repaired and or replaced but nobody ever came to make any repairs or replace the system. We called XXXX many times and appointments were supposed to had been scheduled but nobody would show. In XXXX and XXXX, XXXX. XXXX I checked my credit report and saw the XXXX had sold my account to a third party collection agency called Perfection Collection. I gave Perfection Collection and call to explain to them that I didn't owe this bill and that XXXX broke their contract by having someone come over to the home to fix and or replace the system do to a major storm and a lighting strike burning the system. The collection agent then stated, '' We don't care nor want to hear what you have to state, you must pay this bill today, or contact XXXX to figure this mess out with them ''. I again tried to communicate with Perfection Collection, but this was not successful. I then called XXXX on XX/XX/XXXX. XXXX to explain to them what has happened again, but the only option they gave to me was to call Perfection Collection because the account had been sold to them and there was nothing anyone could further assist in.
I do not owe Perfection Collection or XXXX the total amount of {$1.00}, XXXX for services that were never provided. The amount owed began after the major storm occured and after the lighting strike the home and burned the unit this was not any amount owed before this time. I'm asking for this to be removed from my credit report because XXXX and XXXX have removed this from my credit report, however, Perfection Collection thought they could try again with XXXX and know this is back on my credit when it was resolved with the other two credit agencies. I did report this matter with XXXX on XX/XX/XXXX but they do not want to resolve this issue. I have been also getting over thirty phone calls per day from Perfection Collection on my business work phone. I'm asking for this matter to be resolved.
|
| 04/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE : XX/XX/XXXX ATTENTION XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PERFECTION COLLECTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX LOOKOUT XXXX XXXX XXXX XXXX, NC XXXX
|
| 03/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Background : My identity was unknowingly stolen by a previous roommate who lived in the same household sometime around XXXX.
It just came to my attention that on XX/XX/XXXX the individual set up a 5 year contract with XXXX for a home alarm account with both of our names as the account holders ( maybe for co-sign purposes? ). This location of the residence where this alarm account was opened is on the opposite side of the country.
The individual made payments for 1 year and 8 months before the account went delinquent. The account then went to collections a little while later, and landed in the hands of the debt collector named Perfection Collection around XX/XX/XXXX.
When I was contacted by the debt collector, I let them know that I did not set up this account, nor have I ever lived in the state it was setup in, nor on that side of the United States. I let them know that the individual 's name on the account was a previous roommate, and that he must've stolen my identity 15+ years ago.
They responded to my deny of the account by saying they already talked to the other individual and he said that I stole his information to setup the account, and then implied that they are only looking for repayment, not looking to get me in trouble for setting up the account under his name ; which isn't even true in the first place.
I continued to get harassing calls for payment. When I asked how to fix the problem, they did not provide any assistance ; their only interest was to get repayment for the account, and did not take into consideration that the account was fraudulently setup in my name.
I had to make several calls to get info on how to take this off my credit report, because they were not helping. When I finally reached someone, they were hesitant to give me the information about the account, as well as hesitant about telling me steps I need to get it resolved.
I filed a police report with my local police, and found more information on steps to take from IdentityTheft.gov on my own ; however, when I call them now they no longer answer the phone, nor do they return my voicemails.
The delinquent account is still on my credit report, and seems as though they are only wanting to work with me if I were to just pay it off this fraudulent account.
|
| 03/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My compliant is that XXXX XXXX XXXX and Perfect Collection is trying to collect on the same debt at the same time. The two companies have the same address as well which makes me believe these two companies or the same company. I never received all the documentation I requested from XXXX XXXX XXXX. I received copy of a sign contract that was not signed by me! That is not my signature. They are in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. XXXX XXXX XXXX fraudulent account is reporting on XXXX credit files as Perfection Collection. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. Perfection Collection is also required to notify me within five days of re-inserting previously deleted item immediately. I do NOT have a contract with Perfect Collection nor XXXX XXXX XXXX. I have also sent several notices stating that their offer to contract is denied as well as ask for documentation showing that account # XXXX is my account. I have yet to receive any documentation from, XXXX XXXX XXXX. Upon searching my records account # XXXX was first place with Perfection Collection the account was disputed and deleted off my credit report. I did not receive a letter of reinsertion of the account to my credit file nor did I receive a dunning letter from Perfection Collection. The account was then purchased by, XXXX XXXX XXXX on XX/XX/2018. After carefully researching I noticed that XXXX XXXX XXXX has the same address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ) as Perfection Collection had. And I also found out through research that they are reporting this account as Perfection Collection as well as XXXX XXXX XXXX. You can not do this under two different agencies. I have attached documentation of this reporting. I also see from the so-called contract that they sent out, they are attempting to collect, on an expired debt based on Mississippi statute of limitation laws. Perfection Collection has been known to be fraudulent and since XXXX XXXX XXXX is also known as Perfection Collection, they are fraudulent as well!! I think I have provided enough evidence to show you that they have committed many violations of the FCRA.
|
| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XXXX FIRST ATTEMPT.
I RESPONDED TO THE COMPLAINT AND STILL THIS ISSUE HAS NOT BEEN RESOLVED/ TO THIS DAY THERE HAS BEEN NO VALIDTY OF THE DEBT. XXXX XXXX XXXX PREVIOUSLY WORKED UNDER ANOTHER NAME WHICH WAS RECENTLY CHANGED WHEN SPEAKING WITH XXXX AND XXXX THIS DEBT BUYING COMPANY WAS NOT ABLE TO PROVIDE A RECENT CONTRACT HOWEVER ACCORDING TO RESPONSE YOU SENT MY CREDIT BUREAU WAS UPDATED THE OLD CONTRACT FROM TIME OF PURCHASE DOES NOT VALIDATE A SERVICE THAT EXPIRED/ I ONCE AGAIN NEVER RENEWED MY CONTRACT THEREFORE THE CONTRACT IS NULL AND VOID. THE ORIGINALLY DOCUMENT SIGNED IS EXPIRED. THIS DEBT WAS ON MY CREDIT REPORT PREVIOUSLY THRU XXXX THE ORIGINAL CREDITOR AND WAS REMOVED. I SEND ALL THE DOCUMENTS FROM THE XXXX THAT SHOWS THIS COMPANY 'S NORMAL PRACTICE IS DO THIS TO CONSUMERS. XXXX Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/XXXX This company has reported erroneous information to the credit bureau as well about an account that had already been resolved from XXXX. This has also negatively impacted my credit score. I had not received any invoices or anything regarding debts owed from monitrinics. I asked for Proof if this debt and all I received was a copy of an agreement from XXXX. I do not owe this company anything.
Complaint Type : Billing/Collection Issues Status : Unresolved XX/XX/XXXX I have never done business with this company and they have placed me for collection with a company called XXXX. I have never had or used anything from a company called XXXX. This business places scam accounts on your file to bully you into paying a balance and never belonged to a person in the first place. They blatantly fail to adhere to the Fair Credit Act and refuse to provide ANY single document that proves their false allegation that a person owes what they allege. This is a scam. All companies are bound by the Fair Credit Act and thi THESE COMPLAINTS GO ON AND ON I'M ASKING TO HAVE THIS COMPANY INVESTIGATED AND ALSO REVIEW THE 202 COMPLAINTS FILED JUST IN THE MONTH OF XXXX. I HAVE CONTINUED TO CONACT XXXX THRU WRITING WHICH THERE HAS BEEN NOT ONE RESPONSE. I HAVE CONTACTED AT THIS POINT AN ATTORNEY TO ALSO ASSIST ME WITH THIS MATTER.
|
| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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First, have someone more knowledgeable respond to my complaint. I have re submitted my initial complaint for that very reason! I asked that they provide validity ... .who ever responded didnt read the complaint or reach out for more information from XXXX . If I have to seek legal action, I will as this seems like it was fraudulently placed on my credit report. The attached response is the most unprofessional one that I have ever seen. This is not resolved and I am not done until it is. Do not place items on consumers credit reports if you cant properly verify the debt is even valid as Its against the law to do otherwise. If they did their research they would see that I did cancel services due to XXXX dispatching police to the incorrect residence on more than one occasion. I have XXXX XXXX children, which I also notified them of when I informed them that I was canceling the service.
If this doesnt get corrected ASAP I will contact an attorney with the FTC to have the entire company investigated.
I belive that this debt stemmed from a XXXX security system that I had installed into my home in XX/XX/2015 after my parents ( who were also customers ) referred me to them. Less than 4 months into having the security system my alarm was triggered and the police were dispatched. Although this was a false trigger, I was livid to realize that due to inaccurate information that XXXX had in their database, they sent the police to MY PARENTS HOUSE, instead of mine. I immediately voiced my concerns over this issue but it continued to happen even though the " updated '' their systems every time this happened so I cancelled service the same year of having it installed. It was a meaningless security system if they continued to dispatch emergency assistance to the wrong address of call the incorrect numbers. I am not sure why this is being reported on my credit report but it needs to be removed asap. I did not receive and form of written communication from the debt collector that is reporting this false information, if i had I definitely would have disputed this. Both my parents and I have been more than dissatisfied with the " service '' that XXXX provided.
|
| 10/02/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XXXX of XXXX my husband and I received the first and only phone call from a company called Perfection Collection I believe may be located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX .... I found this address while researching the company. A man named XXXX XXXX called and left a message on our home phone which we still have the recording so this is what he said word for word, he said he was calling regarding sealed documentation that we needed to sign that day, he said he was coming to our home in one hour and that we were to answer the door and except the documents voluntarily and if he could not locate us at our address he would stop by one of our family members homes to make sure he would cover all boundaries. This is the phone number he left on our answering machine .... XXXX XXXX .... he said either we call or he would be on his way. The debt was false, years ago we had an alarm system and from what I 've learned this company somehow got our information and tried to scam us with a false debt claiming it was from our former alarm company. We never received any type of correspondence from them other than the one phone call. I did call back and was told XXXX XXXX was not available so the person I spoke to said we owed {$1200.00} telling me that although we had no longer been in a contract with the alarm company due to the 5 year contract expiring which we fulfilled the 5 year contract and this was now two years later .... that the company automatically had rolled us into a new contract .... theres no such thing which I argued. Then I called a second time after doing some research on this collection company and learned this is how they operate, its a scam, so now the second call to them I 'm told there is no such person named XXXX XXXX and this time the person hung up on me after I confronted them. We hoped that was the end. They never called us again and never at all from the beginning did we receive anything in the mail so we do n't have any documentation to submit, what they did do is put collection notices on both myself and my husbands credit reports, this time for a different amount of {$880.00} which is strongly hurting our credit.
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| 02/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/2019, I received an email from XXXX that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is Perfection Collection and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and XXXX and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud.
I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX immediately removed the account from my credit report. However, XXXX has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with Perfection Collection, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on XXXX. I have spent countless hours on the phone etc trying to get this rectified to no avail.
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| 03/21/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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A company by the name of Perfection Collection is claiming that I owe them {$780.00} from XX/XX/XXXX. I haven't had anything negative on my credit in many yrs. I wasnt sure what it was but upon further investigation it's an unpaid XXXX debt from XX/XX/XXXXfrom when my alarm wasn't working. It shouldn't say XX/XX/XXXX. And I challenged it with XXXX XXXX of the situation. But the date is not my complaint its the amount of the debt and how this company lies and bullies consumers to get them to pay. The way they scheme is very dishonest. They added {$600.00} to the debt. The XXXX balance was {$180.00}. I have documentation proving it. I even called XXXX to verify the write-off amount of {$180.00}. I then called Perfection again to confront them and they lied to me. They stated they didnt add anything towards the debt that they purchased from XXXX. So she was basically blaming them. But once I brought up that I already spoken to them she changed her tune. At one point she claimed I spoke to the wrong XXXX dept. But I actually had called them twice to verify the amount before calling Perfection back. Now Perfection Collection LLC is saying in my original contract with XXXX it states due to nonpayment they can automatically add 12 more months of payments onto the outstanding balance if they want. Which is a lie bc I read the contract. It's also against the law to lie to me and to change the debt amount. I know it's a made up amount bc I was paying {$39.00}. Which x12=XXXX. I was locked in on an old rate. The regular rate is XXXX so times that by 12 and it equals {$600.00}. So that proves they added this to the debt and I bet they do it all the time to other people. They will not work with me at all and just constntly cuss me out. The XXXX Report Number I filed to dispute is XXXX The Date it was generated was XX/XX/XXXX. Please help me with these crooks. Thanks.
Their address is Perfection Collection XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, UT XXXX
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| 05/22/2018 |
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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On XX/XX/XXXX I found that I was the victim of identity theft and I did not recognize the debt on my credit report. Upon researching my credit report and speaking with Perfection Collection and XXXX, I was able to find out a person that shares my same name had a debt with XXXX XXXX XXXX. A person with my same name in XXXX, XXXX did not pay {$2400.00} ; XXXX charged off the debt to a third party collector. The third party collector was Perfection Collection LLC.
At that time, Perfection Collection LLC erroneously applied my social security number to the debt. I only share the same name as the responsible party.
Since XX/XX/XXXX I have been in contact with XXXX and Perfection Collection LLC without a satisfactory resolution of this incorrect debt.
I did not sign up for that account, that debt is not mine, and I am not legally liable for the debt. However, because of Perfection Collection LLCs mistake and XXXX inability to fix the originating account ; I have had a negative credit impact. It has negatively affected my credit score and my ability to make credit decisions.
I have also tried to supply sufficient evidence including my driver 's license and employment verification that this is not my debt. Neither company has been able to resolve the situation. Perfection Collection LLC sent me a copy of the XXXX contract. It is clear that it is not my signature. This has not been solved by either XXXX or from Perfection Collection LLC. Both of these companies are responsible for having wrongly applied this debt to my credit report, and not sufficiently fixing it.
I have asked both companies for a letter stating that this is false so I can submit it my credit reports. They have failed to do so.
Third party collection company Perfection Collection LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone : XXXX and the originating creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone XXXX.
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| 05/08/2019 |
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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I received a collections letter in the mail dated XX/XX/2019 from the company, Perfection Collection regarding a joint account in my name with the original creditor, XXXX for which I had no knowledge. I called Perfection Collections to make them aware that this was not my account nor was I ever aware of such account and I had not signed any contract for this account nor authorized anyone to sign on my behalf.
I then called and emailed XXXX on XX/XX/2019 disputing the account, requesting a copy of the contract, and asking that it be voided and the account removed form my credit report. I also mailed certified letters to both XXXX and Perfection Collections requesting the same in XXXX. XXXX responded to my email to their risk department on XX/XX/2019 via phone and email stating that they had researched my issue and that my name would be removed from the account and that the collections would stop and any credit inquiry done would be removed within 30-90 days. Perfection Collection responded to my letter in XXXX by re-sending their initial collections letter and the original contract with XXXX. I sent a 2nd letter via certified mail Perfection Collection in XXXX, 2019 and included the contract, my signature, the email from XXXX, and explained that the contract falsely listed my name and a relative 's name but has none of my personal information ( email address, physical address, phone number, etc. ) and that the signature on the contract was not mine and it did not spell my name correctly. I once again asked that they remove the account from my credit report immediately. As of XX/XX/2019 they are still reporting this account on my credit report, I am still receiving calls from them attempting to collect and threatening judgement and I have not received a response to my second letter regarding the obviously fraudulent contract.
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| 02/05/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company.
XXXX never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims.
Either company can not produce our original contract.
Communication and lying are being reported. Below are other reports of this happening off the BBB.
GOVERNMENT ACTION Gov Action Utah DOPL On XX/XX/XXXX the Utah Division of Occupational and Professional Licensing ( DOPL ) found XXXX, XXXX employing an unlicensed individual as an alarm company agent. Respondent was issued a fine of {$400.00} which has been paid.
GOVERNMENT ACTION Pennsylvania Attorney General Settlement On XX/XX/XXXX, Attorney General of Pennsylvania entered into a Settlement Agreement with XXXX, XXXX. According to the settlement, agents from XXXX allegedly made the following misrepresentations in door to door solicitations : XXXX agents said they were affiliated with the consumers ' existing security companies.
Agents further said that consumers ' existing security systems and services n GOVERNMENT ACTION State of Texas v. XXXX, XXXX.
On XX/XX/XXXX, XXXX , XXXX. and XXXX XXXX XXXX , XXXX. entered into an Assurance of Voluntary Compliance ( AVC ) with State of Texas. The State of Texas alleged XXXX employees engaged in door-to-door solicitations for home alarm system goods and services in Texas without being authorized to do so as required by the Occupations Code and some of the XXXX employees engaged in door-to-door solicitation in Texas after
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| 05/17/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Perfection Collections has an account on my credit report for an alleged debt thru XXXX. I have spent well over 30 days trying to get documents to validate this debt, and they are not cooperating. I sent a certified letter to them, and they have not responded with the documents I asked for, and refuse to delete the account from my credit report. The account is shown with an amount due of {$1900.00}. I have asked for something in writing from XXXX showing the charges that equal that amount they are reporting on my credit, and XXXX states they do not have that. He has since sent me a pretty generic statement showing a list of invoices, with a list of payments, and none of that shows an amount due, the original amount, etc.. The contract thru XXXX does NOT mention that I agree to pay a 3rd party, or any assignees, it shows several areas scratched over, and changed, and Ive certainly never had a contract with Perfection Collections. When I spoke with the supervisor at the collection agency he stated that since they bought the account they bought the contract as well, and thats why I owe them. I told him that was against the law, you can not substitute yourself into a contract, and he states thats perfectly legal, even tho subrogation is against the law with debt collection- The right of subrogation does not exist for a stranger to the transaction XXXX XXXX XXXX XXXX, section XXXX. This has been an ongoing battle, XXXX keeps telling me that they have validated the debt, and they wont delete the account, even tho I have proven that they are in violation. I am located in Texas, and the laws in Texas are very specific about what the collection agencies have to provide, and Perfection Collections is not providing that information and they are violating my rights.
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| 01/22/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I have never signed or established a contract with XXXX. My wife, who I was separated from at the time, set up a XXXX contract for a home she purchased in XX/XX/XXXX.
On XX/XX/XXXX, I received email from XXXX stating that my account was 60 days past due. I immediately forwarded it to my wife and asked her to find out why this was being sent to me.
XX/XX/XXXX, My wife contacted XXXX via phone and tried to fix the miscommunication. She was told that I was the account holder, and I was would have to fill out paperwork. Later that day, I received an email from XXXX XXXX providing me with a name removal memo and an Addendum Agreement.
Being the businesswoman that my wife is, she was offended because she knew I was not the account owner nor did she want me to be. A couple days later, my wife and I both got on the phone with Vivint to question how my name was on the account in the first place. We then requested to receive a copy of the contract agreement. Again, we knew it was impossible for me to have signed or be on a contract agreement. On that phone call, we were told they could not find a copy of our service agreement and requested that we find a copy of our agreement and send it to them.
My wife asked the young man on the phone, " If people can't trust you to keep up with my service agreement, then how can I trust you to monitor their home? This is unsatisfactory. Find the contract and email it to ... '' That was the last time either of us spoke to or heard from anyone at XXXX. I have since disputed the bill on my credit report to no avail.
I appealed to the debt with the debt collector through the appeals process, and have not been able to get this removed from my credit report.
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| 02/15/2019 |
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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This account was set up for a business in which I was the XXXX of back in XX/XX/XXXX. We set up tp sell XXXX XXXX security. The account was for the business, not for a personal use, and I was never making any payments regarding this account. The only way that I know it having any of my information was saying I was the person to contact if there was a breach at our business, ( as this was a security system ) It was all taken care of within the business. The following year, XX/XX/XXXX I quit my management position at this job, and parted ways with the business. Later that year, I had received calls regarding this account, and I advised the collectors that this account was not mine, and I was not in charge of payments or anything regarding the account. They continued to harass me throughout the rest of XX/XX/XXXX into XX/XX/XXXX when the debt was purchased by Perfection Collections. I advised to them when they had called to me that I again, was not the person to call regarding this account, and that I would get them the information regarding the business owners, and their responsibility to the payments within the account. They told me that I was not telling the truth, and I told them to please stop contacting me. I called my local police department on some assistance, they advised me that I shouldn't worry about it, since it wasn't my account. I waited and now I am trying to purchase a home, and my credit as been hit because of this issue. I submitted a dispute with XX/XX/XXXX twice now, and they are not changing this, and when I call the collections agency, they tell me that they will not accept this and I need to pay on the account. I feel cornered and that no one will help me.
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| 05/07/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and received a quote for XXXX service. It was stated as a 2 year contract and I verbally agreed. I was not present for the installation and have never signed any documentation with XXXX. Because of the difference in prices from competitors I chose to stop using XXXX XXXX service. I was then sent a bill and told I owed XXXX the balance of an 6 year contract that I had signed. That was in XXXX and it was the first time I had heard anything about a 6 year contract. There was a dispute but XXXX could not provide any documentation that I had signed that stated this 6 year contract. XXXX then said they agreed and my account was canceled and I did not owe them anything. XXXX XXXX with XXXX said on XX/XX/XXXX that I had a {$0.00} balance and even sent me a quote for a new contract at a discounted rate if I would stay with XXXX service. I have the emails. Today XX/XX/XXXX I received a letter from Perfection Collection stating that I now owe {$1500.00} and I had to pay before XXXX to avoid legal action. I tried to call XXXX but they won't speak to me. I called Perfection Collection and the lady told me that she knew what kind of person I am and I just didn't want to pay the debt. I explained that I paid my service fees and didn't owe XXXX anything but she told me multiple times " call XXXX '' even though she knows they won't talk to me, when I told her I would file a complaint with the CFPB she laughed and told me " good luck ''. She kept saying that she had a document signed by me as the contract and then provided a document that was obviously not signed by me, not even my name is signed.
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| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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The original creditor is XXXX XXXX XXXX XXXX or they also go by XXXX . I have been making payments to XXXX XXXX collection agency since XXXX XXXX . Another collection agency reached out to me a few weeks ago saying they had my account from XXXX and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency. Now perfection collection has placed this debt in the amount of XXXX on my XXXX XXXX credit report and i can not possibly owe two different collection agencies two different amounts of money for the same original creditor. XXXX said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}. I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that XXXX was able to provide was that in XXXX the account was sent to XXXX XXXX XXXX XXXX ( XXXX ) and that in XXXX it was sent to XXXX ( XXXX ) I have tried calling these numbers and get nowhere. XXXX XXXX XXXX who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me. please let me know what my next step should be to get this resolved expeditiously.
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| 07/11/2019 |
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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This debt collection agency has never called, emailed, mailed or made any attempt to reach me regarding this debt. I only discovered it due to a credit report after they had been reporting it for more than a year. Upon discovering the derogatory mark, I reached out to the company to explain that the contract they were attempting to collect on was my Father 's of the same name who passed away in XXXX of 2014. I don't even know how they got my social security number. It is troubling that they would take the time to find my social and report me to a credit reporting agency, but they won't take the time to send an email, make a call or lick a stamp and send an envelope! They say they have a signed agreement that proves I agreed to the contract and payments with XXXX and that I provided XXXX my social security number, yet they have failed after several attempts to provide this evidence. I have NEVER given XXXX my social security number nor did I agree to any charges. My Father may have, but I did not and it is for this reason they fail after several requests to provide this evidence. If I signed this contract and provided my social security number, than the burden of proof lies with them. For this reason alone they should drop the matter and remove all derogatory marks from my credit reports. They should take a serious look at their lazy tactics as well. Call, email or mail someone you're trying to collect a debt from. Hurting their credit until they pay is more along the lines of extortion than it is an honest attempt to collect a debt, whether a legitimate debt or not. In this case, it is not.
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| 12/20/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Older American |
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I built a home in XX/XX/XXXX to XX/XX/XXXX. I moved into my new in XX/XX/XXXX. XXXX home security came out throughout the community seeking new business in my community on XX/XX/XXXX. XXXX offered to pay any home owner 's activation fee if we used their home security system. I accepted the offer and they install the system the same day. On XX/XX/XXXX, my front door came open around XXXX which was frightening.
I called XXXX the next morning and reported the incident and ask them to send someone out to check the equipment. They said that they were backup with calls and they could send someone out on XX/XX/XXXX, I told them fine, and they did not given me a time, just that they would be out on that day. On XX/XX/XXXX, I had some business to take care of and I told my sister that rep. from XXXX was coming out to check the equipment and watch what they do. After the rep check the equipment she notice the lock was not going into the door jam all the way, she took out her screw driver and gouged a deeper hold into my door jam, my sister had walk away and when she return, she could not believe what the rep had done. I called XXXX they said send photo, I did, they said they would cut below and above the damage area and glue it back together, I call to cancel my account. They said I had to go on line to cancel my account, I could not get into my account after I call to cancel my account. I filed a compliant with the federal Trade Commission and the XXXX. I have emails from the XXXX. XXXX sold the account to perfection collection and it showing on my credit as a collection.
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| 05/21/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In the spring of 2018, I began receiving numerous harassing phone calls from Perfection Collection Services in regards to a debt I allegedly owed. The calls always had someone saying they were on the way to my house to deliver important documents to me or my attorney. They even contacted my elderly mother in this same way. No one ever showed up to deliver any such documents, so this was clearly a tactic to intimidate me. When I finally talked to someone from Perfection Collection Services in regards to these calls, I asked for an accounting of the amount they claimed I owed. The woman on the phone very rudely told me that she was not a " customer service department '' and could not give me that information. I asked again saying I needed to verify that the amount was correct, and she refused and said " we will see you in court! '' and hung up on me. The harassing calls continued. On XX/XX/2018, I sent a validation request letter ( copy attached ) to Perfection Collection pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ) requesting information that could help me understand the amount they claimed I owed. All I received from them was a copy of the first page of my contract with their customer, XXXX. I received none of the other information I requested and am legally entitled to under the FDCPA, especially a complete accounting of the debt. To this day, I have not received the requested information. As a result, I now have TWO invalidated collection amounts of over {$1600.00} affecting my credit report in violation of the FDCPA.
|
| 09/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I entered into a contract in XX/XX/XXXX for 42 months at the amount of {$60.00} for a home security system through XXXX. Based on this, the contract would have ended in XX/XX/XXXX. Although I was very unhappy with the service, I fulfilled the 42 month contract and paid on time every month until the end of the contract date. I personally contacted XXXX by phone to remind them that my contract officially ended and that I no longer wanted their service. They informed me that I had to cancel through a notarized letter to headquarters in order to cancel it. I called a total of five times reminding them that the contract has ended and that I no longer needed their service at this point. They continued to bill be until the bill had reached over {$600.00} and then they disconnected the service. I recently checked my credit report which states that I now owe {$900.00}. I sent the collection company a debt validation letter asking for additional information like total payment history/amount paid, which would reflect that I paid until the end of the contract. They did not state how they arrived at the total amount due, just provided me with the contract, which states everything I have been saying. As result, I should not be responsible for the delinquent amount because I fulfilled the contract that I signed and agreed to. I ask that I be relieved from this debt and it should be removed from my credit reports. I will attach a copy of validation letter, letter for demand of payment by Perfection Collections and copy of contract.
|
| 02/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I check my credit report every month for accuracy. In XX/XX/XXXX there was a new item from a collection agency attached to XXXX XXXX XXXX for {$1700.00}. We had just recently installed our first system with them and were current on our bill so I knew this was an error. I called XXXX and they said it was at an address in our neighborhood under my name. I filled out a fraud report for them and returned it within a day. I heard nothing for a month and called them to find out they had turned it over to another company, XXXX. I called XXXX and they didn't have the file. I started the whole process over again which includes having papers notarized. In XX/XX/XXXX still nothing else had been done. I got a copy of the original contract with the installation address and attached the county records for this address with the owners name. The system had been installed XX/XX/XXXX and they had moved in on XX/XX/XXXX. I attached our records also proving we had lived here since XX/XX/XXXX. No response yet. I called yesterday and still nothing. I made a dispute with XXXX and they decided to add the fraudulent address to my credit report and are sending information to it now! We signed up for XXXX service in XX/XX/XXXX. Strange we never received a phone call, letter or bill on this account until we signed up for their service. They say my name is on the contract. I am sending a copy of the contract and the two county forms I sent to them.Hopefully you can straighten this out as they seem totally unable to help us.
|
| 05/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
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Perfection collection of Utah continues to dispense adverse information to XXXX/ XXXX . It is my understanding that Perfection collection purchases accounts from XXXX XXXX XXXX. We felt that XXXX back in XX/XX/2015 was supposed to activate our account and provide alarm services to us at approximately $ XXXX/ month.
Since I have had equipment existing in the house from XXXX, we informed them that all we needed was a key pad change.
After sending out a tech to install the key pad, I was astounded when I received a bill for over XXXX for equipment!
Despite my attempt to correct this misinformation, we have not had success.
Recently, perfection collection in XXXX, Utah purchased accounts from XXXX and now claims I must deal with them directly, despite several attempts to resolve this issue that has negatively impacted my credit.
To date, we have not been successful. We essentially had no service with XXXX and we felt that they reneged on the contract by not telling us before- hand what the price of installation will be.
We are asking you to review the above and tell us if you can be of help have Perfection Collection remove the adverse information that negatively impacts my credit report.
The credit card company, XXXX XXXX investigated the charge and later removed for lack of evidence to support the claim of > {$4000.00}.
XXXX reputation precedes that as the internet shows numerous customers who were XXXX!
Working with other credit companies was not helpful.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I approved of an XXXX security system installation at XXXX XXXX XXXX XXXX XXXX. I never received any bills for this account ( XXXX ) but decided to mail payments beginning in XX/XX/XXXX ( see attached ). These checks were endorsed by XXXX but never applied to my account thus it appeared as if I had an unpaid balance. In XX/XX/XXXX I received a notice from XXXX ( see attached ) that my account would be interrupted/cancelled on XX/XX/XXXX. Even though I mailed another payment in XX/XX/XXXX, this payment also was not applied to my account leading to my account being cancelled on XX/XX/XXXX, and then transferred to collections in XX/XX/XXXX. I made several complaints to attorney generals but there was no resolve on XXXX 's part. I am disputing the XXXX collections on my credit report as my account was actually paid in full as of XX/XX/XXXX but the payments were never applied to my account so I should not be held responsible for XXXX 's error, nor should I continue to be held responsible for Perfection Collection 's invalid collection fee. Lastly, I never received a final statement within 30 days of the service discontinuance. In early XXXX I received a notification regarding the collection and called Perfection Collection and they said the XXXX was a cancellation fee. I contacted them again on XX/XX/XXXX and they are now saying the XXXX is for payment of the account but again XXXX cancelled my account so why should I be responsible to pay for a cancelled account
|
| 10/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
|
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After a careful review of my credit report, I noticed that a company, Perfection Collection ( " Perfection '' ) had placed an account in collection through XXXX. I called Perfection and was informed that they represented XXXX the original company in which the account was opened. Perfection also indicated that the account was opened in my name by XXXX in XX/XX/2016. I informed them that I never opened the account and their reporting is causing severe harm to my credit score. Perfection indicated that they were not removing anything and that I needed to call XXXX.
I called XXXX was was told to email a copy of the police report to their account receivables. I have sent the police report to the account receivables, but I believe that XXXX was negligent in the whole process. They opened an account without any account verification. As such, I now have an fraudulent account on my credit report.
I am a business owner and my credit means everything. In light of the foregoing, I believe that XXXX and Perfection should be liable for the errors. As a resident of XXXX, I never received any notification and/or any forms of correspondence regarding this account. How could I have known about something I never consented to do. As such, I am respectfully requesting for a full investigation with both companies. How could it result into an account being placed on my account that was never verified. XXXX lack of diligence has caused substantial harm to me.
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| 04/28/2017 |
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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I sign ed into a one year contract ( with my husband ) with a security system company knowing that I was moving in a year. I specifically told the sale sman that. After refusal to give me a copy of the contract and being told I would be emailed it I assumed all was alright.. After a year of having the service and letting the company know that I would be moving, thanking them for their service and that I would not be renewing my contract with them they told me that I had sig ned a 5 yr co ntract initially and that I needed to pay ove r 4,000 to get out of the contract. They were rude and demanding. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on XXXX / XXXX / XXXX . I was contacted XXXX that a collection company was trying to collect the XXXX and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.
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| 06/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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After 3 years of having and paying on time my account is fine and paid by bank draft. The salesman forged my name on a lady I referred to them contract and was confirmed by 5 emp loyees at the company. It was sold to perfection collection and they will not accept my explanation. Was told by XXXX XXXX at perfection collection that if I had the company call and confirm this he would remove me from collection. The security company removed my name from contract and we called on a 3 w ay phone call with a security representative the employee at perfection said they bought the account and would need more and that I should file a forgery report with local police. The security company representative asked if he would send a letter stating that would say what he had just discussed with us and get my name off the collection report. Perfection collection employee took my email information and hung up on m y 3 way call. I still do n't have the email and do n't think they will My name is XXXX XXXX and security company is XXXX and XXXX employee that was on the 3 way cal trying to help me was XXXX . XXXX has acknowledged the forgery b y 5 differ ent employees. I feel they will handle the salesperson for the forgery and appreciate there willingness to help get this cleared from my record Perfection Collection will not listen to me or XXXX and do n't do what they tell you to do.
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| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX - First time I used XXXX XXXX, I wanted to check my credit score. Everything on my report looks great but I noticed by credit score was down from a year ago. Which I had no idea how? I have never missed any payment and I'm very financially sound.
XXXX XXXX stated on my report that a company called XXXX XXXX XXXX had an outstanding balance for {$1000.00}.
I have never heard of XXXX XXXX XXXX. No one notified me that i had any debt, but they are able to take a hit on my credit score? I called this company and they stated they bought my debt from a security company called XXXX. We ended our contract with XXXX in XXXX. This one man shop is a total scam. Extremely rude.. How is this legal?
I have no idea how it is fair or accurate to report this on my account 3 years later with zero notification and zero justification. We still have our letter from XXXX canceling our account because we moved from that location and were not taking the services with us. We also filed a report on BBB for false practices.
in XXXX we sent another letter to XXXX of cancelation as the new homeowner received threatening calls.
This collection agency is based in Utah where XXXX is based out of.
There are thousand of bad reviews and false practices on this company. Several states have went into litigation with XXXX.
I am filling a complaint on XXXX and XXXX XXXX XXXX.
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| 11/19/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a complaint from XXXX XXXX against Perfection Collection for Perfection Collections failure to provide requested information for the debt alleged. Perfection Collection has been reporting an active account on Consumer 's credit report. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
On XX/XX/XXXX, Creditor responded with documentation that is insufficient for showing validity of this debt and the ownership of this debt by Perfection Collection. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
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| 03/07/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I obtained a copy of my XXXX credit report and noticed for the first time that " Perfection Collections '' had reported a delinquent collection account on behalf of XXXX since XX/XX/XXXX. My XXXX account has at all times been current. I contacted XXXX the same day, who indicated my account was not in collections. On XX/XX/XXXX, I contacted XXXX at Perfection collections via e-mail and phone ( XXXX ) who said the debt was from XXXX and XXXX tried to tell me XXXX opened a new account for me and this was for a different account at the same address. My XXXX account has never changed. On XX/XX/XXXX, I contacted XXXX collections department. XXXX did an investigation. OnXX/XX/XXXXXXXX called me and said " XXXX NEVER placed my account in collections and further that Perfection Collections is NOT among the debt collection agencies used by XXXX ''. XXXX then contacted Perfection Collections to resolve the issue, but kept getting the Perfection Collections voicemail.
To date, I have never received any written notice of debt or even a phone call from Perfection collections. I would never have known without my credit report. My score has dropped by over 80 points because of this erroneous debt being reported by Perfection Collections.
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| 04/25/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was also a victim of Identity Fraud I didn't not know this account was on my report and when I challenged the debt the company provided ELECTRONIC SIGNATURES that was not made by me they also did not update my credit report stating the account was under dispute within 30 days Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
Also this company is reporting the account under multiple Business names Perfection Collection and XXXX XXXX XXXX XXXX
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| 03/30/2018 |
Yes |
- 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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Perfection Collections has placed an account on my credit report. I have never heard of this company, never received any type of notice giving me 30 days to dispute the information before it was placed on my credit report. This company is a debt buyer that has bought a charged off account, and I have no legal obligation to pay them anything, I have no contract with this company, and do not owe the original creditor anything. I have asked for validation showing that I am legally bound to this company for the alleged debt, and they have not sent anything as requested via certified letter that was mailed to this company. I am demanding that this account be deleted from my credit reports. This is a clear violation of my rights under FCRA, and I am obtaining legal representation. I am in the process of buying a home, already obtained pre-approval for a loan, and now that this account has been placed on my credit report, we will have difficulty obtaining final approval, and we already have money invested, so I will be filing a lawsuit, if this account isnt removed from my credit reports, seeking damages for the money I will be losing because of this account being placed on my credit report, preventing me from now getting the mortgage loan.
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| 04/22/2018 |
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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I was falsely accused of a debt by the collection agency Perfection Collection, and they entered damaging information to the major credit bureaus, lowering my credit score. The debt was for a security system supposedly installed by XXXX in a daycare center located in XXXX, Kentucky. I am not the person named by XXXX in their purchase agreement. I have never done any business with XXXX, and I do not know and have never met XXXX XXXX ( or XXXX as appears on the Perfection Collection statement ). XXXX XXXX ( or XXXX ) has never lived at or been to my home address in XXXX where I have lived for XXXX years. I have never been to XXXX, Kentucky, and I have never had any affiliation whatsoever with the daycare center. I have never signed a contract with XXXX for any purpose. That is not my signature on the attached purchase agreement. I would like to point out that I always write, not print my signature, and I always include my middle initial. In addition, none of the writing on the purchase agreement is mine.
I have corresponded with Perfection Collection several times to inform them that I am not the person responsible for this debt, but they have not yet ceased collection activity and deleted the XXXX account from the credit bureaus.
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| 08/31/2020 |
Yes |
- 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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A collection agency called my wife multiple times asking for me. She thought they were spam calls and ignored. I finally pulled my credit reports on XXXX, XXXX, and XXXX on XX/XX/XXXX and saw collection alerts for the amount of {$2800.00} on XXXX and XXXX. No such alert on XXXX. The collection company was listed as XXXX XXXX XXXX on the XXXX report and Perfection Collection LLC on the XXXX report. I telephoned the company on XX/XX/XXXX and spoke with an agent named XXXX. I was told the debt amount was for a XXXX XXXX XXXX XXXX installed at an address in XXXX IL. I live in XXXX TN and have never lived in or been to XXXX IL. I was told the account was jointly owned with a woman named XXXX XXXX, who I do not know. I asked the agent to email me the contract. I never received it. I disputed the claim on XXXX on XX/XX/XXXX and on XXXX on XX/XX/XXXX. I received investigation results from both companies that the disputed information was verified as accurate. I have never purchased anything from XXXX and did not order this home security system. I have never received anything in the mail from them or the debt collection agency. I have contacted a lawyer and will pursue legal measures if I can't resolve this dispute through other means.
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| 05/07/2018 |
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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XXXX placed an account for collection, with XXXX ( Perfect Collection ). I have never done business with XXXX and have never signed or co signed any documents with XXXX. I received a letter from XXXX dated XX/XX/XXXX. The letter listed my name first and the name of my son below mine. My son passed away last XXXX, so I cant ask him about this debt. I spoke with my daughter in law and she told me XXXX asked for the name and address of the closest relative. My son gave them my information, along with his father in laws information. His in laws have not received any letter from XXXX. I called XXXX and told them this was not my debt. I asked to ask XXXX to produce any document with my signature, or any recording by me authorizing this debt. I disputed this debt with XXXX and XXXX without a positive resolution. They have not produced any documents as requested. XXXX solution to this is to sue my son for fraud. He is not here to defend himself, and I question XXXX business practices. Why would they hold me responsible for a debt I never initiated or authorized. Everyone gives me a standard answer without using common sense or without investigation. Please help. I dont know where else to turn to. My credit is being effected. Thank you.
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| 08/14/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a call on my cell phone around XXXX XXXX XXXX from someone asking for my husband XXXX XXXX. Her name is XXXX XXXX and she is a representative on the behalf of XXXX XXXX XXXX. She was very rude and would not tell me what the call was about and stated that it was something regarding my husband, I asked what it was about and she refused to tell me, she was very rude and unprofessional so she ended the call because she tried to claim I was being rude to her, not true, all I was asking for was information. So she proceeded to leave a very nasty and rude voicemail on my phone stating that she would be at our house within the hour to serve my husband with papers and that someone better be here to verify that he is signing the papers and that if he wasn't home she would then go to his place of work and ask to speak to someone in the hr office about his whereabouts and that if she could not get a hold of him then basically it was a refusal to sign the paperwork and then it would be referred back to the office which is XXXX XXXX XXXX. What she did is illegal she can not act as a legal representative on this company without proof that she is legally allowed to do so and she would not provide me any further information.
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| 02/12/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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I received a voicemail message from Perfection Collection stating " this is a call regarding field documentation I have here for you that requires your signature so you need to be available. Make sure you have a photo ID and a witness present. If you're not going to be available today you must get in contact with the filing office directly to avoid any further action being taken. Their number is XXXX. Make yourself available. You have been notified and I will see you shortly. '' This same message was also left on the voicemails of my stepfather and ex-mother in law. The message to my stepfather also stated that if I did not get in touch with the filing office immediately it would be considered a " mark against me. '' They called me in a panic because the message implied it was a law enforcement agency. I have never been left a voicemail by this collection agency before, nor have I received anything in the mail regarding the debt. This was my first communication with them. When I called them back to find out who this was and what it was about, they refused to send me anything in writing. I spoke to Ms. XXXX and was told if I didn't pay right then, I was refusing to cooperate and I better have a XXXX good attorney.
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| 04/10/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I sent a letter to third party collection agency Perfection Collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ( XXXX ) asking them to cease collection activity and to remove records from my credit report regarding account # XXXX ( c/o XXXX of which they purchased XX/XX/XXXX. ) I asked them to provide me evidence of my account and if they could not to delete all information furnished to any and every one of my reports because it is unverified information. Said company responded to my request by sending me a contract that list my name a customer ( co-borrower? ) but in fact does not have my signature on any of the spaces provided for customer signature, in fact the only person whose signature is recorded on the contract ( on two separate signature lines ) is XXXX XXXX ( customer ) and the sales person ( XXXX XXXX. ) I feel this is not verification that I entered into a contract neither with XXXX or Perfection Collection and because this is unverified by law they are required to remove this information from my credit report they have yet to do that, in fact they have added another collection to my reports (XX/XX/XXXX ) from the same company ( XXXX ) for a larger amount.
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| 04/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I signed into a one year contract with a security system company because I knew I was moving in a year. I specifically told the salesman that. He refused to give me a copy of the contract. After a year of having the service and letting the company know that I would be moving and would not be renewing my contract with them they told me that I had signed a 5 yr contract. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on XX/XX/XXXX . I was contacted XX/XX/XXXX that a collection company was trying to collect the XXXX and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.
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| 10/13/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In response to XXXX. I have SEVERAL other XXXX accounts and XXXX XXXX XXXX is ONLY an installer of the security equipment, they do not provide monitoring services ( at least in XX/XX/XXXX-XX/XX/XXXX they didn't ). Once the installation is complete the monitoring services are provided through XXXX monitoring sites, as XXXX XXXX XXXX does not offer monitoring services. That is why the only bill I received for the account in dispute came from XXXX in XX/XX/XXXX, and not XXXX XXXX XXXX, and that is why in XX/XX/XXXX the service interruption notice came from XXXX and not XXXX XXXX XXXX. That contract that you have is not legit ... that's not my signature, as you will see when I feel it is needed to show my other contacts, and tthe monitoring contracts that I possess have XXXX logos and not XXXX XXXX XXXX. The only XXXX XXXX XXXX logo I have is for the purchase and installation of the security system. I will proceed to fight this because there is a scam somewhere. I will be proceed to the next step since I now have a copy of your fraudulent XXXX XXXX XXXX contract that I never saw or signed. The document itself is fraudulent and forgery is illegal.
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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We never received any written notifications, phone calls, or messages from a company named Perfection Collections before they showed up on our credit report on Friday, XX/XX/XXXX as an outstanding debt. After some research, we found out that they are a debt collector for XXXX, a security service we used back in XX/XX/XXXX-XX/XX/XXXX, for a house we owned in XXXX XXXX, NV. We discontinued service by not signing an extended service agreement after our two-year service agreement ended and because they never responded to an intruder in the house and hired a new security company to provide services to the home. We between the years XX/XX/XXXX and XX/XX/XXXX, we have written several letters and e-mails to XXXX inquiring as to when they will clear out our account of the XXXX dollar ( {$55.00} ) security fee they charged us for what they state was something that was due to us causing the alarm to sound. However, they are responsible for providing security services and did not do that in a timely manner thus leading to another security company responding and our neighbors responding to the intruder along with the local XXXX XXXX Metro Police Department.
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| 07/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XX/XX/XXXX the XXXX account was taken over by another party. In XX/XX/XXXX I received a bill with a past due balance. I contacted XXXX whom then stated it was an error on there system and that I was not responsible for the balanace due to it belonging to the party that took over the account. XX/XX/XXXX I had a collections placed on my credit report for XXXX. I contacted XXXX first they told me the account wasnt properly taken over. Then when proved it was due to other persons name on account, I was told I didnt cancel my name from account. Again proved wrong due to account being taken over, I was told that the person didnt properly take the account over. I stated that the Individual has been paying thats not true, then I was told o well the account was written off XX/XX/XXXX so they didnt take over properly but there is nothing we can do because its already been sold to collection agency. I asked for supervisor and was refused to be allowed to speak with supervisors. Its a lie because the person that took over the account had been paying and once she canceled her account, then XXXX placed it in collections a month after under my name.
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| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- 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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Original debt was from the security company XXXX, I ordered a security system for my home and was promised a set rate and equipment, i did not receive the proper rate or equipment as well as other perks promised. I then canceled after that and spoke to numerous individuals at XXXX and was told that I don't owe anything. I later found out they put my account into collections, I have spoken to XXXX numerous times to no avail. The debt was then handed over to Perfect Collections, I have also tried to resolve the issue with them to no avail. Perfect collections open the account XX/XX/2017 and just updated the collection. My credit score has dropped over 90 points and this is affecting my credit and purchasing ability tremendously. They are reporting that owe {$1700.00}, I have received many harassing calls indicating that my assets will be seized due to this collection. XXXX has a history of this kind of practice and something needs to be done, they frequently use bait and switch tactics and need to be held accountable for misleading consumers and then turning accounts over to collections once you call them out on what they did not deliver!
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| 12/09/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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i check my credit report because i needed a good and well somehow the company that " claim '' i " owe '' certain amount is showing on my credit i proceed to dispute the account since I do n't have any clues as to how or why I 'm been ding on my credit. the response i get from the credit bureau ( XXXX ) is that the report will remain. i certainly do n't agree with that due the lack of authenticity from the company that is making the claim. I 'm not willing to pay for something I did not ask for there is not way i have this company in my archives as part of my monthly billings not now not in the past. I need and want this company to stop fraudulently claiming is me or assuming is me when is not. This need to stop and my credit restore they think that they can intimidate us but I believe in the system. i believed they are in violation of many FCRA rules but since is really hard to know all the rules with out an attorney this is the reason I 'm recurring to my closest resources. I even think the FTC my have some say on this. but i will refer to the correct channel whichever is recommended.
|
| 04/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date Perfection collection has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, perfection collection continues to ignore my request for this document.
Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX
|
| 07/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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An negative trademark was placed on my credit report regarding a XXXX account. I have no knowledge of who opened the account or authorized my name to be assosiciated in any way, shape or form with this account. I was never shown any documentation regarding the account or made aware of how my social security number and credit reporting became connected to the account. I was asked to be mailed documentation showing the name of the person who opened the account & was denied. On XXXX, I called and spoke to a representative by the name of XXXX and was told that my name is not listed as the primary person on the account. I never gave my social security to any employee or representative of XXXX. I would like my name and personal information to be disassociated with this account and all negative trade lines removed from my credit report. I do n't even live at the address where the account was opened! What kind of security company does n't take the necessary precautions to get the correction information & Identification of people they are allowing " secure '' access to a home!!!
|
| 03/10/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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A claim was filed on the original creditor XXXX XXXX for breach of contract, the vendor agreed to settle the dispute for {$240.00} per the resolution terms through the XXXX. Perfection Collections provided no written notice that this was referred to their offices. I learned of the issue because of credit file alert on XXXX/XXXX/16. I contacted the debit collection agency to try and get information. I was accused of ignoring the debit and not paying my bills. The operator XXXX XXXX was extremely unprofessional and he pushed my buttons. I was ultimately able to learn that debit was reported for {$1800.00}, not the original settlement amount of {$240.00} to end the contract. I also learned that that XXXX XXXX provided them with an incorrect contact information. This was the original reason for the breach of contract with XXXX XXXX. This is not the first time that this company has referred this issue to a debt collection agency after settling the debit through the claim with XXXX.
I will obtain a copy of the filing with XXXX ... this can be supplied at a later date.
|
| 02/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I received notification from collection agency XX/XX/XXXX stating I owed {$820.00} with no additional information as to what I owed the money for. I submitted dispute in writing with request for details as to what it was I owed for. The notice was submitted within the 30 day period from when the letter was received. I received nothing from the company, then the collection showed up on my credit report. When I contacted the company, they advised me they moved suite numbers at the same address and never got my letter disputing. I asked for proof in the initial letter I mailed requesting validation of the alleged debt and never received anything. I verbally asked for proof once again a month later when I called and still have yet to receive any kind of documentation for proof that I owe this money. I was told this was for a security system I purchased in XXXX, 10 years ago ( which I never did ) They said this was a new account they acquired from a company who is no longer in business. XXXX XXXX was extremely unhelpful and rude and said that I owed the money.
|
| 06/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This is my third and final time requesting validity of this debt. Please note that I had previously filed complaint no.s XXXX and XXXX.
Both times requested validity of the debt and have yet to receive the requested info meaning this company is in clear violation of the Fair Debt Collection Practices Act and this erroneous collection account needs to be removed from my credit report ASAP. I never received anything via mail or phone call from This company. I just keep getting a XXXX response that there were 42 months remaining in my contact which is not true at all, especially since I cancelled services less than a year into having XXXX as law enforcement showed up at the wrong address on several occasions when the alarm was triggered.
What baffles me the most about this company is the fact they they either a ) dont know or b ) dont care that the consumer complaints and company responses are being monitored by fraud investigators and attorneys. VALIDATE THE DEBT OR REMOVE IT This company is in clear violation and needs to be investigated thoroughly
|
| 12/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I did not know anything about this debt from Perfection Collection. They just added on my credit about 2 months ago and I've never received a phone call, letter, email or anything because it is not my debt. I never lived at the address that this debt was for. I disputed with them and XXXX credit reporting agency. I have sent drivers license and letters from apartment I actually lived at during the time they say I acquired debt, also sent emails from myself and collection company to XXXX and they still wont remove. This Perfection collection said the only way this could be removed is for me to file a police report and charge someone with fraud.
The debt is from 2016 and just now coming up. I also just filed bankruptcy and this debt was added right after filing. Obviously if this was really my debt I would of filed it under my bankruptcy. But it is not mine. Perfection Collection is trying to collect at least {$2600.00} for a XXXX XXXX XXXX company.
I know the legal process to even put this on my credit report was not followed.
|
| 08/22/2018 |
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
|
|
Web |
|
|
The credit bureaus and Perfection Collection alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX reflects XXXX & XXXX reflects XXXX.
XXXX reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company.
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX reports no payment history.
These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, Perfection NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right.
Delete this entry immediately from my credit reports.
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
In 2015 a salesman from XXXX talked me into getting an alarm system.
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX for XXXX XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer serious XXXX and didn't know for sure what the terms were. Can you please help me?
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
In 2015 a salesman from XXXX talked me into getting an alarm system.
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX for XXXX XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer XXXX XXXX and didn't know for sure what the terms were. Can you please help me?
|
| 03/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
I contacted 'Perfection Collection ' via phone XXXX on Tues. XXXX XX/XX/2019 to make them aware of a law suit pending with XXXX XXXX XXXX XXXX XXXX ( I believe them to be one of the same owners ). I also explained that XXXX XXXX XXXX XXXX was in breach of the contract ( XXXX did NOT call police ) and Perfection Collection stated that I would still have to pay them ( because they supposely bought the debt from XXXX ).
I asked Perfection Collection to forward me a copy of contract that states I still pay when XXXX is in BREACH of their contractual agreement. As of to date Perfection Collection has this BOGUS debt reporting on my credit reports and to think this company was trying to practice " perfection '' These 2 companies ( XXXX XXXX XXXX, XXXX and Perfection Collection ) are working together ( BOTH are located in XXXX, UT ) and scamming people out of money. I also have found that XXXX XXXX XXXX has had many businesses that have been shut down ( all indications are there and they are NOT good )
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have never any relationship with the following company : PERFECTION COLLECTION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX At a former resident there was a alarm service monitoring contract with a company called XXXX XXXX XXXX. The contract with this company expired and I thought that would be the end of business with them. It was not, they sent several people to the house stating that they had to upgrade the equipment in order to continue to " monitor '' the house. Needless to say the equipment was never installed. I was in constant communication requesting that the services be disconnected permanently, staying on the phone for hours only for the representative to tell me that they could not verify my information. This debt is invalid simply because monitoring services could not be conducted on the equipment installed at my old house. Can either the original company or debt collection company provide an proof showing alarm activity and that they were able to provide monitoring services?
|
| 11/04/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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|
I paid a collection account, in XXXX of 2015, with XXXX that originated from XXXX Home Security. This debt was paid as a result of a settlement agreement between myself and XXXX. However, the problem today is that this same account, which has been paid, is now reporting on my credit report with Perfection Collection ( PC ). I contacted this company and spoke with a XXXX and explained to him that I had already paid this debt with XXXX. I was rudely told by XXXX they received ( purchased ) this debt approximately six months ago, the debt would remain if I did n't pay the debt, XXXX was a fraud and they would make sure this debt continued to report on my credit reports until it was paid. I have provided documentation to this company from XXXX, which reflects the same account number that they have, as well as, the same original creditor and the debt being settled, but PC refuses to remove this debt, despite the fact doing so violates my rights under the Fair Debt Credit Reporting Act.
|
| 04/17/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
This company is misrepresenting the time this debt first defaulted and became collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.
In a separate complaint this company agreed to remove this account from my credit report. It was simply removed from my XXXX credit report, but added to XXXX. I am now submitting a second complaint to ask for it to be removed from XXXX.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
This is a response to complaint number XXXX ... I didn't sign a contract with XXXX, I signed a contract with XXXX so not sure why I would owe a company money that I didn't sign a monitoring contract with. Also I NEVER received a bill from XXXXs and XXXX is the company that interrupted my service in XX/XX/17 for non payment when all along they were endorsing my checks ... so there is confusion somewhere and I should not be held responsible for XXXX 's mishaps. Who is XXXX??? MY CONTRACT CLEARLY SAYS I SIGNED A CONTRACT WITH XXXX NOT XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!
THE PAYMENTS WENT TO THE COMPANY I SIGNED A CONTRACT WITH : XXXX!!!!
AGAIN, I am attaching the one and only XXXX contract I signed, the service interruption notice, and the payments I made with the company I signed a contract with : XXXX!!! Again, explain who XXXX is as I did not have an alarm monitoring contract with any other provider than XXXX. So there is clearly an ERROR somewhere!!!!!!!!!!!!!!!!!!
|
| 07/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received a notification from XXXX card that there was a change in my credit score. My score went down over 50 points. Went to the XXXX website and there is a collections account with Perfection Collections for over {$2600.00}. I immediately called them. The lady XXXX asked if I ever lived at XXXX XXXX XXXX. I stated no, my ex husband lived there. She stated she was going to email me a paper and she would request the original paperwork from XXXX XXXX, it would take 24 hours. I received the email and immediately called her back. Asking why my name was spelled wrong. She said that is how the name was spelt with XXXX XXXX. I told her that is how his new wife spells her name. That I would never spell my name wrong. I have never heard back from them. I have left voicemail, sent 3 emails now, sent a letter through the mail. I tried to dispute it with XXXX, but Perfection collection said it was valid. The paperwork I have seen says the debt was charged off in XX/XX/2010.
|
| 03/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have sent Identity Theft Reports, a Police Report, two forms of identification, a copy of " Notice To Furnishers of Information Obligation : Obligation of Furnishers Under the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.1687-1681y information and letters to the collection company ( Perfect Collection LL ) and nothing has been done to remove this negative information from my credit report for XXXX. Their claim is that I owe {$4300.00} to a company name XXXX, who sold this debt to Perfect Collection LL. This company has refused to acknowledge that the information they have clearly shows it is not my signature ( or name ) and I did not authorize whatever that company says service was given on my behalf, and I have not authorized anyone to use my information. I also will be reaching out to an attorney if this doesn't get the matter resolved. All the information listed above was sent to the company on XX/XX/2019, and I should have had a response by XX/XX/2019.
|
| 05/29/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had service with XXXX XXXX and I stopped paying because I wanted to cancel my service and they were not willing to cancel my service. So, before XXXX I stopped paying. I did not pay any service to XXXX XXXX ; so, basically that would be called the delinquency date. I found out that I had a collection with a delinquency date of XXXX , XXXX which I dispute since that delinquency is not correct because I stopped paying before XXXX . Perfection Collection responded by " XXXX , The delinquency date we were provided when we purchased the account is XX/XX/XXXX . We are willing to settle this account for 50 % of the balance owed. Once settled, we will delete this account from the credit bureaus in it 's entirety. '' So basically they are saying that they purchased the account and the delinquency date is XX/XX/XXXX . So they say they are not responsible for providing a false delinquency date. This is not acceptable
|
| 06/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX-XXXX/ follow up On XX/XX/XXXX I received in the mail the original Security contract however this is not validty of the debt this was from XXXX XXXX XXXX whic states effective XX/XX/12. This does not indicate that I owe XXXX or XXXX XXXX XXXX a dime. This alarm system was for one year and I canceled when my house was broken into with this company was monitoring. I have wrote numerous letters and contacted both XXXX and XXXX to get this matter resolved after all these years being removed from the credit bureau report this company with all types of violations decides to place a debit on my report that I don't owe. I have been very unsuccesful with getting any results with either XXXX, XXXX and XXXX XXXX XXXX. None of these companies have or can provide me with documentation that I owe. I have contact XXXX XXXX as well for assitance and I have spent so much money sending documentation back and fourth with no results.
|
| 12/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a tenant that signed a contract with XXXX XXXX XXXX who cancelled service and her contract. The XXXX corporation and their debt collectors continue to contact my tenant for the contract cancellation, but have also put this collection on my credit report. I had a conversation with Perfection Collection regarding this debt, and informed them it was my tenant that signed a contract not me. I have not been provided with any documentation with my signature on it to validate their claims, furthermore, I have a copy of the contract signed by my tenant with XXXX. this was placed for collections on XXXX for an amount of XXXX I filed a dispute with XXXX and provided documentation of the tenant signed contract. There was no resolution and the debt collection agency still contends the information is accurate. I have attached a copy of the contract signed by my tenant with XXXX as absolute proof of whose debt this is.
|
| 07/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After getting my annual credit reports, I discovered that I had a collection on my account. I found out what the original company was, an alarm monitoring system. I contacted them, they did not have my information. They said that they had put this into collection. The service was for an XXXX address. I live in XXXX XXXX and do not use any service of this type. I called the Perfection Collection Agency on XX/XX/XXXX and informed them this was not my debt. They said nothing. I have since disputed this on my credit reports and added a consumer statement, this is fraud.
I am also sending a certified letter to this collection company for documentation that this is valid. It, of course, is not as I never have used these services.
I have never lived or received mail anywhere but XXXX XXXX in over 35 years. Never have received any mailings or telephone calls and the account was opened at the agency on XX/XX/XXXX.
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I setup an alarm service with third party dealer XXXX who worked with XXXX XXXX back in XXXX. Completed contracted time as of XX/XX/XXXX with written letter. the issue came XX/XX/XXXX when XXXX XXXX stated I owed a debt of XXXX. I never recvd any info from XXXX XXXX states I owed them from XX/XX/XXXX to XX/XX/XXXX. However, they stated thats when the collection begin for approx XXXX on XX/XX/XXXX. XXXX XXXX or perfection collection the debt collect stated ( reaged the debt to state the collection begin XX/XX/XXXX which is incorrect. This company has perform Financial defermation of my character. not to mention has commitment an illegal act on me. I have spoken with XXXX who states the debt is approx 233 and the date the collection started was XX/XX/XXXX. eventhough I have never owe the debt to begin with it is now out of the statue of limitation of 7 years and MUST BE REMOVED
|
| 01/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, The collection account submitted by XXXX XXXX XXXX/Perfection Collection Collections in the amount of {$1100.00} is not my account, it belonged to my ex husband. I requested this company to validate this debt and the company sent me information reflecting that the account was delinquent in XX/XX/XXXX and written off in XX/XX/XXXX, NO signed contract exists for this account. The Customer billing history submitted reflects the first delinquent balance in XX/XX/XXXX and the account being written off in XXXX, not XXXX as they are reporting on my file. With the dates on the billing history it appears it is at least XXXX years old. They also are unable to provide a signed contract to validate this debt is in fact mine.
This seems to be false representation and they are trying to use scare tactics to get me to pay an extremely out dated account that belonged to my ex spouse.
|
| 01/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company "Perfection Collection” XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is has been reporting an alleged debt on my credit file, that is inaccurate and unenforceable. They are a third-party purchaser I notified them in writing on XX/XX/XXXX to remove the information. They are still reporting the debt as open contract that begun in XX/XX/XXXX, when in fact this contract begun XX/XX/XXXX (see attached). In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24). The Fair Credit Reporting Act, or FCRA states that most negative items must be removed from your credit report seven years from the first date of delinquency. This account is (14) years old there's hasn't been any payments made on this account since XX/XX/XXXX.
|
| 11/03/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This complaint involves XXXX XXXX and their collection agency Perfect Collection. I signed up for XXXX 's services in XXXX 2017. The agreement was that this was a month to month contract, no obligations, cancel at any time. I paid for the equipment installed IN CASH. I later had to cancel their services due to faulty equipment, horrible customer service, and for being sold a subpar security system. I gave the company proper written notice and they acknowledged the termination of the agreement and the fact that I was under no further financial obligation. I just ran my credit report only to find out that the account was placed in collection as of XXXX 2017???? This is the WORST company I have EVER dealt with. How can this happen? I would like to request that someone look into their practices as they are fraudulent and overall their services are a complete scam.
|
| 04/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection account has appeared on my credit report from a collection company called Perfection Collection. The account was referred to them by a security company, XXXX XXXX XXXX. My credit report says I have a joint account with a balance of {$3700.00}. the account number on the report is redacted but says the account number is XXXX.
I have never opened an account with this company and have never authorized anyone else to open an account with my name attached to it. I am trying to get this information removed from my credit report ASAP is it affecting my credit score.
I have tried to speak with the collection agency and the company but no one seems to know anything and they keep saying it needs to be referred to legal. I have reached out to their legal team but was only provided an email to reach them and have not heard any response.
|
| 02/18/2019 |
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
|
|
Web |
|
|
There is a collection on my credit report that Just recently appeared and it shouldnt be there. My daughter is getting phone calls from the debt collector threatening that they are coming to my house to arrest me.
I disputed the charges on my XXXX Credit Report. I have lived in Washington state for the past 15. - 20 years and this debt is for a home alarm service in a completely different state. Supposedly someone by the name of XXXX signed a contract with me but I have never seen the contract. I was never made aware of this debt until I saw it on my credit report.
I dont feel that XXXX did anything to verify the validity of this debt when I submitted a dispute to them online. XXXX replied to say that the company said it is true so it is. The fact is that the debt does. It belong to me and I want it removed from my credit report.
|
| 01/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I went to purchase a trailer in XXXX of 2018 and this debt popped up on my XXXX credit report, so I called and disputed it. I have never heard of this company I have never received a letter or phone call in the year and 4 months it has been open. I XXXX the company and reached out to perfection collection based out of Utah and told them this was n't my debt and It was fraud the guy continued to tell me this is what everyone says, I told him I am not paying the debt and wanted proof how I was tied to this debt, he gave me nothing but some random name and a signature and an address I have never lived at. He was a XXXX and I eventually hung up, I made a claim with XXXX recently and they said my debt is active with again nothing in writing and no proof of this company ever reaching out to me to try and resolve this misunderstanding.
|
| 04/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
The debt was originally created by an alarm system company called XXXX. I signed up with them while I in XXXX, NC because I am a XXXX. I had to leave the area and I no longer needed their services. They made the process incredibly hard, but I did everything they asked including sending in a letter stating I wanted to end my contract. I found out a few months afterwards that they were continuing to charge my account, and the only way I could get them to stop was to cut off and change my debit card. Spoke with them again and that did nothing, they continued to charge my account until it reached XXXX dollars that I did not authorize. They sold the collection to perfection collection who refuses to remove the debt from my credit report despite numerous fillings through experian stating the debt was illegally charged to my account.
|
| 03/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe this " security '' company, XXXX, anything. Our service contract with them ended many years ago. They have failed to submit any paperwork to me to back up their claim that I owe them anything, after numerous requests, because there is none. Re quests to speak with management are declined. They just keep sending this off to different collection agencies, to whom I am sick of reiterating these facts. Then they just sell it to another company, hoping I guess, that i will just give into their extortion.
They have now fraudulently placed a collection notice on my credit report. How can they do this? I have contacted the FTC, Department of consumer affairs, and next will be the State Attorney General 's office. I also believe I may take this to small claims court, and am considering joining a class action suit.
|
| 05/11/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
after receiving a voicemail from someone whom identified themselves only as " XXXX?, a carrier for the area '', implying she had legal paperwork to be issued to me the following day at my home and place of employment, requiring identification and a witness, i immediately called back and got to " XXXX ''. I denied owing any monies to them, their employer, or the original creditor and requested validation. This was immediately met with a defensive attitude, i gave them my address, where they sent their first piece of correspondence to me, this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless, i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report.
|
| 09/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX XXXX, I was contacted by a XXXX XXXX salesperson at my door, advertising " free '' home monitoring equipment to those with qualifying credit willing to act now. I signed a XXXX contract under these false pretenses to initiate service, then attempted to cancel the service over a year later. Now, XXXX years after the attempted cancellation, Perfection Collection is attempting to collect {$3500.00} on behalf of XXXX, more than the cost of service over the entirety of the contract. The salesperson was misleading both in that the equipment was free, as well as my ability to cancel and that the offer was " for a limited time ''. I was also never provided in writing the full cost of the services, including the costs associated with early termination. The contract should be considered void under these circumstances.
|
| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company sent the exact same response from my 1st complaint to my 2nd complaint I want them to acknowledge I was never notified via mail or phone we were taken to collections.
PRODUCE MY ORIGINAL CONTRACT!!!
Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. XXXX never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. Either company can not produce our original contract.
We are taking legal action unless Perfection Collection removes all collection notices from my credit report.
|
| 11/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The following derogatory items listed on my account are causing a negative mark on my credit report and they are false. They are listed as medical debts which do not belong to me or any other member of my family.
PERFECTION COLLECTIONS XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX / {$4400.00} - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX 10 MONTHS XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - {$3900.00} - XXXX/XXXX/XXXX XXXX XXXX XXXX 6 MONTHS XXXX XXXX, which we found to be a predatory company, offered us a monitoring service which we did not accept and we asked them several times to come and retrieve their equipment, which they never did. After which we discovered these derogatory marks, which we are being told are for medical expenses, have been added to our credit report.
|
| 07/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
First, I checked my credit score and found that Perfection Collection LLC had placed a collection on my credit. I found out from the company that they purchased my account from another collection agency who settled my account. After speaking to a representative through the BBB, I was informed by Perfection that they never communicated with me by phone or letter, but placed a collection on my account which violated my rights. I never had any signed document with them neither do that have a written document or agreement with me. I am asking assistance to have them remove their name from my credit report ( were my rights have been violated ) and not to place anything or any information pertaining to my name or personal information. Please help with this matter. thanks
|
| 01/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is my second complaint to this company, this is not my debt it is identity fraud. I asked for proof in my last report from perfection collection and I'll ask again please send all documentation with my name and signature showing I knew or was aware of the debt and he 3 times you spoke with me. besides the ONE time I called this company. They have never reached out me via phone email or mail EVER! They did attach a paper with my name Ss # with a co application XXXX XXXX please send me proof with my signature that I signed and authorized this. I am not willing to pay someone else 's debt and paying half of XXXX when the original debt is XXXX isn't working for me. Send me more info than the image I attached hat u originally sent Or I'm reporting you to the XXXX
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2016, signed up for XXXX XXXX XXXX XXXX. The sales manager at that time was XXXX XXXX. he told me and a few others in the neighborhood there was no credit check and no cancelation fee. That turned out absolutely wrong. I later found out that it was indeed a credit check in which i didnt authorize and there was termination. I called in and was given a email address to email the legal dept for XXXX but i never got a response from them. Since then XXXX, the new sales manager XXXX XXXX in the area has been coming around to do what he calls " damage control '' he told me XXXX XXXX is no longer apart of the ompany because he gave false information and there is a lawsuit against him. I would like this removed and more information on the lawsuit.
|
| 04/12/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.
|
| 07/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX and Perfection Collection have attached my social security number to someone else 's debt. They installed an alarm system in a house in TN for an individual with a similar name as mine. A name that I have not used in over 20 years due to divorce and remarriage and I live in NC, and have never owned property in TN. I filed XXXX disputes with transunion and perfection collection still claims this is my debt. I am filing a police report on monday and filed a dispute with XXXX today. I requested a copy of the original sales contract to verify where they have obtained my social security number but I have not received a copy as of yet. They have illegally accessed my social because I have not applied for any service or loan with them.
|
| 12/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The account was originally in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. The account was reported as date opened XXXX and first reported on XXXX. I disputed it on XXXX/XXXXXX/XX/XXXX and the collection account was deleted from my credit report followed by a confirmation letter from the credit bureaus dated XXXX/XXXX/XX/XX/XXXX, they are Reporting old debts as new or re-aged.
I recently noticed the account was added back but now reported by Perfection Collection and illegally reported as account opened in XXXX and first reported XXXX as well as misstating the balance due. I have done numerous disputes to XXXX and they refuse to update it and tell me contact the collection agency.
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
|
| 05/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company contacted me threatening legal action around XXXX XXXX , 2017 regarding a debt owed and left a voicemail informing me that that I needed to be available at my home between XXXX to receive and sign paperwork, with my proper identification, being delivered by a private courier regarding legal action. I called the company back since no information was left in the message regarding what the call was regarding and the representative gave me further detail to contact Perfection Collection, which they were calling on behalf of. Needless to say, no one showed up at my home, but I have continued to receive the same harassing phone call, more recently on XXXX leaving the same voice message.
|
| 05/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was notified via my XXXX account on XX/XX/2018, that there was an account in collections. Through further investigation i.e. me calling the collection agency ( PERFECTION COLLECTION ) as well as the company ( XXXX ), I found out that the individual who opened the account is a family member who stole my identity. I've sent both companies copies of my Michigan State drivers license as well as a police report I filed. I've also sent PERFECTION COLLECTION LLC a copy of my United States XXXX orders as proof of residence in XXXX at the time the account was opened. No one has reached out to me on either parts. I've called both companies multiple times and they have done nothing to remedy this situation.
|
| 02/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Sir/Madam : PERFECTION COLLECTION has placed a debt in my credit report with XXXX. I know nothing of this debt and called them to state the same. They would not explain, but said it was from an old debt to " XXXX '' and refused to remove it from my credit report. I owe no money to XXXX and have not seen any evidence from this collector that I do.
I then diputed the debt with XXXX twice and they have refused to remove the entry from my credit report. This is identity theft, and I want to know how this collector got my ssn. Did they get my ssn from the XXXX data breach? Neither the collector nor XXXX is willing to explain this and remove this entry. Please help.
Sincerely, XXXX XXXX
|
| 02/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recieved a collection letter from perfection collection for the amount of {$3900.00}. I called the agency and explained that the debt was not mine. I made a police report, and disputed the claims with the credit bureau and had no success in rectifying the case. The debt is for a security system installed on a residence in XXXX. I don't know of anyone in XXXX. I live in XXXX XXXX, I have exhausted every option to rectify the situation, I even called XXXX and opened an account with the expectation of resolving this problem. The only other option that I have is to contact a lawyer, but u dont have the money for that. Please if you can assist me with this problem I will greatly appreciate it.
|
| 04/11/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have repeatedly contacted this company in an attempt to get this debt verified as it does not belong to me. Perfection Collection is not the original debt holder and refuses to give me any information about who they purchased the debt from. They simply make snarky, rude comments and then hang up the phone. On my credit report it says this debt originates from a XXXX XXXX Credit Card. I have never owned a XXXX XXXX Credit Card and no one at XXXX XXXX can find any information about any account ever being opened in my name. In addition to refusing to give me any information about the origin of the debt, Perfection Collection refuses to investigate its validity as required by law.
|
| 05/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I disputed an account I was unfamiliar with on my credit report. Today at XXXX I received a phone call. The agent failed to identify himself fully on the call, did not state what the call was about, did not provide the call recording or Mini Miranda statements, did not tell me the balance or original debt owner. I stated to him several time I didnt know what it was about. He didnt care and continue to collect. I attempted several time to understand what he was calling about exactly and he refused. He stated if it was fraud I would have to handle myself and hung up.
This is a highly abusive tactic where I had no ability to resolve the situation. I find this call harassing.
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a blocked call from a XXXX XXXX. I think he is a courier and process server.
He left a phone number for XXXX XXXX XXXX, a New York debt collection company. I called the company and asked them what this was about. They said they received an account from Perfect Collection. They said Perfect Collection received it from XXXX XXXX. They had my address as XXXX XXXX XXXX XXXX in XXXX, Wisconsin. However, they did have my correct date of birth and last four digits of my social security number.
To be explicitly clear, I did not purchase or lease an alarm system from XXXX at all. I have not and do not live at the address listed. I have not and do not know who lives there.
|
| 01/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would like to make a formal complaint against Perfection Collection LLC. They are attempting to collect a debt associated with a XXXX account that I have no knowledge of. This account continues to report negatively on my credit report with account number XXXX. I have no knowledge of this account. I was harassed once at my job concerning this account. I feel that it was unprofessional and caused me emotional distress. There has been no resolution concerning this matter. I have requested an investigation concerning this account several times. I have never had an account with this company and was a college student living on campus at the time the debt was supposedly made.
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Perfection collection with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
|
| 08/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have file numerous compliant about this company trying to collect a debt that not owned to them or XXXX.I had cancel XXXX back in XX/XX/2012 the by fill out there form and submit by email and fax.I later received a letter from perfection collection claiming that they brought the debt from vivint and I now own them. I ask them to show proof that I own them the debt.They send me a bill from XXXX. I explain to perfection collection if you have a signor document showing that I agree to pay you for service I don't owe you anything.they then report it on my credit report.I have send numerous letter to the bureaus and perfection collection to have this removed.
|
| 07/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Perfection Collection, also notated as XXXX was deleted from my XXXX report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion.
Perfection Collection has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which Perfection Collection was and is in violation.
|
| 06/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Company is in violation of the FDCPA and US Bankruptcy laws. I filed chapter XXXX bankruptcy on XX/XX/2019 at the XXXX XXXX of Missouri with case number XXXX. The company has threatened to file suit against me on a debt included in bankruptcy. The company is in violation of the automatic stay according to bankruptcy code by contacting me. The company is in violation demanding payment on a debt included in bankruptcy. Misreprentation of being attorneys that will file a suit if not paid. Violation of promising to remove debt from credit reports if I pay them ( again they have no rights to collect since the account is in bankruptcy ).
|
| 06/03/2020 |
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
|
|
Web |
|
|
I have disputed information on my credit report with XXXX and XXXX XXXX XXXX beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents.
XXXX XXXX XXXXPerfection Collection has flat out refused to provide proper documentation and they are reporting the debt to different bureaus under different company names.
XXXX and XXXX has continued to state that the accounts have been verified even though I have sent notice and supporting documentation that they gave NOT be properly validated per the FCRA.
|
| 03/29/2019 |
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
|
|
Web |
|
|
Account Named Perfection Collection {$2400.00} was disputed to XXXX and subsequently removed by XXXX between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me XXXX placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or XXXX have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter XXXX from XXXX.
|
| 08/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Perfection Collection contacted me by mail stating that I did not pay a bill for security system that was installed in an apt . complex. I have never lived there and I have lived in my home for 20 years. the collection company said I had to file fraud charges in order for them to take if off my credit. I went down to the XXXX fraud division and filled out paper work. The Investigator sent me a letter with the information so that I could send to the perfection collection. The collection company XXXX said that was not good enough for them and I also spoke with the Supervisor.
|
| 02/17/2019 |
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
|
|
Web |
|
|
Im currently in chapterXXXX bankruptcy and an account I have with XXXX is being paid through this bankruptcy. Perfection Credit is a debt buyer hitting my credit so many days saying I owe them on behalf of XXXX. My attorney advised them that XXXX the original creditor is being paid through this bankruptcy and yet Perfection Credit continues to report to the credit bureaus. My attorney advised me that this was against the law and sent notification to them and Im still seeing them report. I requested they remove this from my credit report and they have it listed as new debt.
|
| 02/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a call and letter from a company trying to collect a debt from me, originating from a company named " XXXX XXXX XXXX ''. I have never had nor entertained a home security system, however somehow, this company had my social security number, name and apparently ... forged my signature to complete a loan for someone other than me in a completely different state. Even though I stated to them on the phone that this is obvious fraud, they have reported to my credit reporting agencies and this is still unresolved. The company collecting this debt treated me very poorly.
|
| 04/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In reference to the complain ( XXXX ) already submitted. The company, Perfection Collection, respond that I agree to pay XXXX $ monthly for a total amount of XXXX XXXX That is true if they will respond regarding the debt validation, before start any kind of agreement with this kind of people I want to see everything. I already request by certified mail and by e-mail 3 times directly to XXXX XXXX XXXX but I have not receive any answer. So for me complain is still open. Attached is the letter that I sent and at this letter I appreciate one answer,
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This was for XXXX security alarm company. The contract was over and it continued even after it was supposed to terminate. I called them and sent them written notification of cancellation. Yet, they continued to bill me. I paid them once again and advised them that my contract was over and I no longer wanted the service. They waited for almost 3 years after contract has been done and they have put my account in collections for XXXX dollars I have not had any service there in at least 3 years and moved away from there over a year ago. This is abusive it is fraud.
|
| 02/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Perfection Collections appeared on my XXXX XXXX and XXXX credit reports in XXXX of 2018 in the amount of XXXX. I disputed this item with the collection agency in XX/XX/2018 and requested that the debt be verified. I received nothing verifying the debt from the collection agency after writing them multiple times and giving them a call. The day I called the collection agency requesting debt validation, the rep continued to call my mobile number that day requesting payment and they have continued to do so. They have not responded to my request to verify the debt.
|
| 09/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, I just got out of the phone with XXXX XXXX XXXX XXXX in regards to a collection that shows on my credit from PERFECTION COLLECTION LLC. They mentioned that they are now holding the debt the original creditor ( XXXX ) and the balance was paid and they agreed to remove it from my credit report.
XXXX is home security company that sold the debt to Perfection Collection company and they hired XXXX XXXX XXXX XXXX to collect. Please see the attachment that the balance that's reporting on my credit reporting agency are wrong and they've agreed to remove it.
|
| 02/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Perfection Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX This group cost me time and money in XX/XX/XXXX and now I know why! They reported to credit without complying with the law by giving me notice to dispute a debt.
I received a letter today that this account is reported to my credit. I do not owe this account and did not have a chance to dispute the validity. The letter received today is the first ever communication I have received.
Creditors should stay away from using this collection company. Perfection Collection will get you sued!
|
| 04/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2016 I sold my home as a result of a divorce. My Ex wife and myself cancelled and paid all bills related to the home. XXXX ( Perfection Collection, LLC ) just placed a collection on my credit two years later stating that I owe {$950.00} when I have not owned the home for over two years and fulfilled all contractual obligations and payments beyond what I owed. How can it be possible to penalize someone for 9 months of service when I didn't even own the home? It is not a penalty for early termination, because we had the service for almost 4 years.
|
| 06/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This company has placed a collections on my credit although I have no contract with them. This company has called me several times leaving a message saying that someone will be at my home within the hour to deliver legal papers for my arrest. They end the message with " You 've been warned ''. The agents at this company use scare tactics when you return their call. They say your case is so severe I have to transfer you to our legal department. This company has called my daughter 's phone threatening to arrest me which was very traumatic for my child.
|
| 08/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company called perfection collection appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company perfection collection is trying to collect
|
| 06/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PERFECTION COLLECTION LLC XXXX XXXX.
|
| 02/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not know who charge this alarm in my name? I have lived in my house 28 years, I have never lived at this home where the alarm was installed or signed my name on any document allowing these charges to be in my name, I did not know anything about this charges until it appeared on my credit report. The collection agency has no sense of urgency to correct the problem, other than file charges on the person whom used my name, Police department has no direction, how can they just add a collection to my credit for 7 years when it is not mine?
|
| 07/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX came to my home to install an alarm two years ago. The alarm was not installed correctly. I called several times and once a technician came out to my house and still continued to have the same problem. I called them and advised that I no longer wanted an alarm that did not function correctly. I told them they could come and pick up their equipment at any time. To date, I have never received any notification from XXXX or further billing. Now I see that the debt has been reported to my credit report by a collection company.
|
| 10/12/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I am writing because I have disputed a debt once I received a notice from PERFECTION COLLECTION LLC within 30 days of receiving the notice. They still placed a negative entry on my credit file. They stated that the account was opened in XXXX XXXX which is a lie.
The company XXXX XXXX crammed the switching of my alarm service even after I had voided out the alarm service contract, did not pay off my previous service contract as agreed, which I had to pay. This account was also part of my bankruptcy filed in XXXX.
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX from Perfection Collection LLC called a family member on XX/XX/2019 and notified him of a supposed debt I owe. After talking on the phone to him, an email was then sent to him stating that I owe different amounts on the debt and can settle the account. I called the collection company and spoke to XXXX. I asked for proof of the alleged debt and to stop contacting my family. She stated that she would when the debt is paid. I then requested that further contact be made in writing to myself only.
|
| 04/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Perfection Collecton took over a debt that XXXX originally had. I explained to Perfection Collection that I never signed a contract with them or XXXX for a security system. I also condacted XXXX to let them know the same thing. This is a debt for {$1500.00}. Upon asking them for method of verification that I signed a contract and gave my information, as well to let me know the service address that XXXX was used for, neither company was able to produce it and refuse to delete it from my credit.
|
| 04/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I notified the agency last year to inform them that this is not my debt. They can not provide me with a signature or copy of identification. The address used when purchasing merchandise was not mine in fact Ive never lived in that area. Im not familiar with the company in which the purchase was made. None of the information they had was accurate even my form of income was inaccurate. The debt owed to XXXX XXXX XXXX in the amount of {$2400.00} Is not my debt. Completely fraudulent
|
| 12/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
The representative called us and presented himself as a " mediator '' and discussed arbitration proceedings. When asked if he was a court-appointed mediator, and if not, what company he worked for, he avoided the ( repeated ) question, he quickly hung up. It took two call backs for them to identify themselves as " XXXX XXXX, '' a debt collection agency. They were attempting to collect a debt owned by Perfection Collection, which was originally owned by a security company, XXXX.
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received an alert from XXXX that a collection account was listed on one of my credit reports by Perfection Collection in the amount of {$4000.00}. On XX/XX/XXXX, I submitted a dispute with the Better Business Bureau requesting that Perfection remove the trade line from my report because they are not licensed to collection debts in the state of Maryland ( verification is attached ). This company is not lawfully able to collection on this alleged debt from XXXX.
|
| 05/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Perfection collection received a certified letter from me in XXXX of 2015 stating that my signature and initials were falsified by XXXX representative and that unless they could prove to me that the account was mine within 30 days they are not permitted to report this account to the credit bureaus. Perfection collection ignored this letter, illegally reported the {$3600.00} and have still not followed up with any communication proving my ownership of account.
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I tried to explain to this company that my info was used by my deceased father to attain this some type of security system that was apparently put in. We have the same name and my father had bankruptcy and could not do much so I guess used my info somehow and attained this. But nothing has been done to help me with this and it has damaged my credit and caused me stress that I did not and do not deserve. I have no documentation to prove this but IT IS THE TRUTH!!!!
|
| 05/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been calling for the last couple months as well as sending letters to get this item from XXXX off of my credit report. for 1 I was XXXX years old when this account was established. 2 I have never signed anything showing ownership of this account. 3 I have tried numerous times to get this taken off my credit report and this company has done nothing to try and get this resolved.
Dates Ive contacted the company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 04/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I realize that, Perfection Collection LLC from XXXX Utah, put information regarding a XXXX XXXX account for XXXX $ to the Credit Bureau without contacting or notify me. I call and XXXX XXXX XXXX offer me a settlement for half of the balance, I say no because they is unable to validate the debt and beside of that is not licensed to collect in my State. I`m sending certified letter today after couple of conversation with XXXX XXXX .
|
| 04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted XXXX XXXX XXXX and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
The company called my children and used abusive language on their voicemail in regards to my account. They threat me on the voicemail and told me I better make myself available to be served when they are in my area. I have not received any phone calls or letters from them about a bill. The account with the original creditor was closed two years ago. I want them to stop contacting my family members and discussing information with them.
|
| 06/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX has placed an account with Perfection Collection XXXX. Someone opened an account with this home security company in my name. The balance is {$3400.00} I sent transunion a copy of the police report however they refuse to remove the account in addition. The collection company states that they will not remove this account unless someone is prosecuted for the crime. They would not accept a copy of the police report.
|
| 10/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX was to install equipment in my house and never did. I called to cancel and the bills just kept coming. I faxed them and mailed them as you can see from the files I have sent. They just kept sending bills until the amount was around XXXX dollars. The bills did stop but turned over to a collection group called Perfection Collection. They have made many threats not only to me but my wife and son who dose not live at home.
|
| 03/01/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. The account was sold to them in XX/XX/2009, and was discharged in a Chapter XXXX filing.
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
When first encountered by XXXX they said I was a cosigner. Now they have put this account on my credit report stating i am the owner of said product and I owe them over XXXX dollars. tried today XX/XX/18 to speak to someone at XXXX and was placed on hold for over an hour. Placed a call to Perfection Collection only a voicemail. All i wanted to know was the date I purchased this item and what location it was mailed to.
|
| 09/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today I received an alert from my credit monitoring service that this collection agency has reported that I owe them money for an alleged debt. I have never done business with this company. I have never received any correspondence from this company notifying at all prior to taking this audacious act to defame me and negatively impact me financially not to mention defaming my name without due process.
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them.
I am providing further information to support my dispute
|
| 04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE.
On XX/XX/XXXX I contacted XXXX to request they remove this unverified account, have not received a response as of yet.
|
| 01/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
disputed debt from debt collector ( Perfection collection) and XXXX XXXX. sent letters to debt collectors on XXXX XXXX, 2017 asking for validation of debt. have not received any response back. I do not and have never had a contract with perfection collection or XXXX XXXX. the debt is not mine and its unverifiable. please delete and remove from all three credit bureau reports.
|
| 09/02/2018 |
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
|
|
Web |
|
|
The credit reporting company refuses to investigate a fraudulent charge made with my information. I contacted the creditor directly and they had no record or proof that I requested the information, instead they tried to get my personal banking and answers to secret questions usually used when establishing credit. The fraudulent creditor is perfection collection
|
| 12/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Im not sure about the debt. I dint even know what address this debt belong. I wrote original creditor and asked for signed contract but couldnt show one. I dont owe this debt and never knew where this cane from not mine. Perfect collection will not take off my credit report fir a XXXX account that I never signed up for. I have resided at my address for 6 years
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX XXXX have noticed a negative balance on my credit report I call my credit bureaus and the company that place me for collections the company stated that the account is me I have try to file a police report but the precinct is giving me a round around I told them that its not me they still keep posting this negative balance on my report
|
| 10/17/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
this debt collection company has placed on my credit reports that I owe {$2400.00} to XXXX XXXX. Ever since I canceled with XXXX XXXX the statements I received stated the debt as {$1900.00} which is {$480.00} less than what this debt collection agency has posted to my credit reports. The amount they are trying to collect is inaccurate.
|
| 03/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon looking at my credit file in XXXX of XXXX, I realized there was a collection being report to XXXX in the amount of {$3400.00} by a company called Perfection Collection. The company said the debt was opened on XX/XX/XXXX This debt is most certainly not mine, and I'd like the matter resolved and removed from my credit file.
|
| 08/16/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Perfection collection is reporting that I owe money on something which I never purchased ... .it is clearly fraud as when I contact them to get information or proof of what I signed they tried to bait me into getting my personal details and refuse to provide any information where I signed or initiated the debt in question.
|
| 09/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX {$3100.00} PERFECTION COLLECTION LL XX/XX/XXXX {$400.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$340.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$920.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I I have sent letters multiple times even file dispute cases with each credit company and nothing has happen
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Ask company to not contact me unless they were discussing validation of said account.
Original and third party cant provide validation of debt due to the fact signature are visibly different.
They've provide more documentation with the same signature. They are using stall tactics to delay deletion of said account.
|
| 01/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A company called Perfection Collection just reported two collection accounts on my credit report for {$2700.00} & {$2500.00}, respectively. Prior to these accounts appearing on my credit report, I did not receive a notice of my right to dispute. I understand that this is a violation of federal collection law.
|
| 05/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Perfection collection is fraudauntly claiming that I owe {$3700.00} to some company called XXXX. I do not know who either of these companies are and did not sign or agree to anything they are. This must be identity theft and they have illegally placed this debt on my XXXX credit report
|
| 08/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Debt collector is showing up on my credit report in the amount of {$1800.00}. sent out a validation letter on XX/XX/2018 requesting for them to send me the information pertaining to this so called debt. Have not received anything from them and this is impacting my credit score.
|
| 07/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I RECEIVED AN ALERT ON MY XXXX ACCT.
THE PERFECTION COLLLECTION LL HAS REPORTED A COLLECTION TO ALL 3 CREDIT BUREAUS. REPORTING A BALNCE OF XXXX. THIS IS INCACCURATE.
I WAS NEVER CONTACTED BY PHONE OR MAIL.
I CURRENTLY HAVE AN ACCT WITH VIVINT, THAT IS SET UP ON AUTO DFAFT.
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX and XXXX and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
|
| 02/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Perfection Collections is attempting to collect a debt on behalf of XXXX that is not owed. The relationship with XXXX was previously settled in the amount of {$1500.00} on XX/XX/XXXX.
Perfection Collections has reported a debt to the credit bureau 's as of XX/XX/XXXX
|
| 05/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have asked repeatedly that the company remove my name from the debt collection as I was not included in the contract. The contract was made by my mother and I am not part of the binding contract. I did not in anyway authorize the use of my name or information.
|
| 05/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I couldn't keep paying the bill, they didn't say that it was a two years contract, when i close my account they say now that have to pay {$2900.00}, for the all system, the salesman that came to my home said that the all system was included in the monthly plan
|
| 10/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a credit alert from my monitoring subscription that there was a new derogatory item reported. I have not received anything from this company via mail, email, fax or phone. Therefore, I have no idea who they supposedly say that I owe money to.
|
| 11/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.
|
| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have never received any written correspondence from Perfection Collection verifying the debt they say I owe. I am entitled to written verification of the debt, to include the original debtor, amount of the original debt and fees now assessed to date.
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter stating that i owe an amount and it is not accurate. I have sent out several letters and the credit bureau has not provided me with any proof about the debt.They did not respond at all to verification request sent to them
|
| 05/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Opened XX/XX/2015 for the amount {$4500.00} place on my credit report. I never assumed or granted credit from Perfection Collection. XXXX XXXX went out of business and they forgave all money owed due to poor business practices.
|
| 12/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have paid this collection I will attach the paid letter received and receipt with this complaint. I dont understand why it was taken off and added back to my report I did indeed pay this to resolve it not deal with this
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Threatened to be at our home in a few minutes to serve papers, called family members and threatened to go to my work. Repeated calls for weeks. A collection agency trying to collect money for services we never received.
|
| 12/22/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I negotiated renewing my contract with Vivint and they told me that this collection would be cleared up. The collection is still on my credit report and I am now stuck with a new contract and being told I owe double.
|
| 12/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 05/21/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
this debit is not mind im a victim of idenity theft never had XXXX and they told me they removed the account now they reported to collection and they threathned to arrest me if i dont pay this fraud account
|
| 01/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX is always reporting that I owe them in which I dont even have an account from them. I havent used any XXXX in my apartment and my previous apartment. This is a scam. Someone is using my identity.
|
| 04/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Perfection Collection has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 11/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I RECEIVED A NOTICE FROM MY CREDIT MONITORING COMPANY THAT THIS ALLEGED DEBT WAS REPORTED TO XXXX CREDIT BUREAU. THIS COMPANY NEVER SENT ME A NOTICE AND NEVER GAVE ME A CHANCE TO DISPUTE THE ALLEGED DEBT.
|
| 08/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account on my credit report has been reaged and is not reporting the correct information.
Date opened is incorrect and account numbers do not match what is being reported on my credit report
|
| 06/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Company provided documentation but is not my signature. Company acknowledged thats not my signature. Company still is reporting to credit bureaus with fraudulent information thats not mine
|
| 11/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Perfection Collection in XXXX Utah has put a collection notice in XXXX of the XXXX credit agencies against me, but I 've never received a written notice of debt from them.
|
| 12/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Perfection Collection for the amount of {$2100.00}, I have sent Perfection Collection a Debt Validation and they have not responded. I have no knowledge of this alleged debt.
|
| 12/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Perfection Collection LLC for amount of {$640.00}. This item does not belong to me, I have sent Perfection Collection LLC debt validation several times with no response
|
| 01/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2019, I sent a debt validation letter stated, this is not a refusal to pay, I need them to validated this debt.
|
| 04/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
report XX/XX/2015 {$2200.00} I ordered my credit report and found out this fraudulent account on my report.
|
| 07/01/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Amount of collection is not correct and debt has already been disputed and cleared.
|
| 07/11/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
PERFECTION COLLECTION LL used scare tactics and threatened me
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This account is not mine. Remove from my credit report.
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
please see attached dispute letter. i never had XXXX.
|
| 02/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Not my account
|
| 05/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/30/2020 |
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
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 07/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
Older American |
|
|
| 02/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/05/2019 |
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
|
|
Phone |
Older American |
|
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/19/2019 |
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
|
|
Web |
Servicemember |
|
|
| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Referral |
|
|
|
| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 04/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/17/2019 |
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
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/11/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 03/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 02/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/18/2019 |
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
|
|
Web |
|
|
|
| 01/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/11/2019 |
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
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/01/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/17/2018 |
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
|
|
Web |
|
|
|
| 10/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
Servicemember |
|
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 09/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 08/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
Older American |
|
|
| 07/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 06/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 06/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 05/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 05/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/30/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2018 |
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
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 03/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
|
| 02/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Fax |
Servicemember |
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 10/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 10/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 05/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American, Servicemember |
|
|
| 07/27/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Phone |
|
|
|
| 04/09/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|