Persolve, LLC - Legal - Series 2 CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/09/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA XXXXX	Web
On or about XX/XX/XXXX I filed a Cross Complaint in the Superior Court of XXXX XXXX County under Case No. XXXX against Persolve LLC alleging among other things that I had not been personally served with a Summons and Complaint by Persolve LLC thereby raising a Federal Question issue of jurisdiction and violations of my civil rights pursuant to California Code of Civil Procedure 410.10-418.11. On or about XX/XX/XXXX Persolves attorney of record namely XXXX XXXX filed a Notice of Settlement of Entire Case ( Settlement ) in the Superior Court of XXXX XXXX County and I did not sign any agreement under Persolve LLCs proposed settlement terms. The Settlement document filed on XX/XX/XXXX does not show any date of mailing. On or about XX/XX/XXXX, I sent an email to the Persolve LLCs attorney of record, XXXX XXXX stating as follows : I just wanted to let you know that I will be in Court tomorrow but I have not received anything from you as we had discussed? I would like to ask if you would stipulate to a transfer of action ( change in venue ) to the XXXX XXXX County court if this case is not settled tomorrow? I am going to file a lawsuit against the County of XXXX XXXX this week and it pertains to the attached documents. I have alleged factually in numerous letters and legal documents filed with the Superior Court of XXXX XXXX County about issues concerning discrimination, bias, prejudice and due process violations. I am filing a legal action against XXXX XXXX County in the coming days. I need you to reply if you will agree to a stipulation for a transfer of action ( change in venue ) to the XXXX XXXX County court by end of day today? On or about XX/XX/XXXX, I allege that Persolve LLC made fraud and intentional misrepresentations about an alleged settlement agreement with me in an affidavit filed with the Superior Court of XXXX XXXX County ( XXXX ) made under penalty of perjury that exaggerates the character, amount and/or legal status of an alleged debt in dispute against me in violation of 15 U.S.C. 1692e ( 2 ) ( A ). Persolve LLC obtained a final judgment in their State court action on or about XX/XX/XXXX. I allege that Persolve LLC used several attorneys and Persolve LLC did not file a substitution of attorney pursuant to California Code of Civil Procedure ( CCP ) 285 and I never heard from Persolve LLC primary attorney of record namely XXXX XXXX after XX/XX/XXXX. On or about XX/XX/XXXX I allege that Persolve LLC filed a declaration in the XXXX containing fraud statements stating by stating among other things that On or about XX/XX/XXXX, I and Persolve LLC settled the case. I allege that the Persolve LLC made fraud statements in pursuit of a money judgment ( for more than double the amount allegedly owed ) to collect a disputed debt amount against me in the Superior Court of XXXX XXXX XXXX ( XXXX ) under Case No. XXXX in violation of 15 U.S.C. 1692e ( 10 ) and the UCL. On or about XX/XX/XXXX I allege that Persolve LLC obtained a money Judgment in violation of my rights under the UCL and the Fair Debt Collection Practices Act pursuant to 15 U.S.C. 1692f ( 1 ) that prohibits [ t ] he collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.. I allege that on or about XX/XX/XXXX Persolve LLC committed a Federal statute violation by obtaining a writ of execution based on fraud and intentionally misrepresented affidavits filed in legal proceedings at the Superior Court of XXXX XXXX County for an alleged debt that was questionably beyond the four year statute of limitations pursuant to C.C.P. 337. I allege that Persolve LLC history of actions and fraud affidavits violate the FDCPA and UCL. I allege that Persolve LLC has proffered fraudulent evidence and used unfair deceptive tactics in violation of the Federal Trade Commission and Fair Debt Collection Practice Act federal statutes to intentionally misrepresent testimony in legal documents filed at the XXXX in Case No. XXXX between XX/XX/XXXXthrough XX/XX/XXXXfor the sole purpose of gaining a credit card debt judgment against me ( I ). I further allege that Persolve LLC actions against me are in violation of the UCL and the Fair Debt Collection Practices Act pursuant to 15 U.S.C. 169e ( 10 ) which states that [ a ] debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. and in any action that can not legally be taken or that is not intended to be taken. On or about XX/XX/XXXX, the I discovered that Persolve LLC used a writ of execution to garnish my personal bank account for payment against a money judgment obtained from the Superior Court of XXXX XXXX County in Case No. XXXX on XX/XX/XXXX totaling about {$16000.00} based on fraud and intentional misrepresentation in violation of the UCL and FDCPA. I allege that Persolve LLC fraudulent debt collection activity against me was discovered within the time limit pursuant to C.C.P. 338 ( d ) and Persolve LLC fraudulent acts caused me significant damages in violation of 15 U.S.C. 1692f ( 1 ), and the UCL. I allege that Persolve LLC actions have given rise to a Federal Complaint pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., C.C.P. 338 ( d ) and the California Business and Professions Code 17200 ( UCL ).
07/15/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 21236	Web
This is a complaint against Persolve , LLC, dba XXXX XXXXXXXX, dba XXXX XXXX XXXX, XXXX listed at the following addresses ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX, XXXX XXXX XXXX # XXXX, XXXX MO XXXX, and XXXX XXXX XXXX, XXXX, CA XXXX all addresses and business names are listed on my XXXX, XXXX, and XXXX Credit Reports. On XX/XX/XXXX I noticed an account listed on my credit report known as Persolve , LLC. Because I did not know what this account was about nor did I recognize the company that reported the debt I chose to investigate and to file a dispute with the three known Credit Bureaus, XXXX, XXXX, and XXXX. After I initiated the first dispute I noticed that Persolve , LLC ( address listed as the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ) the name that originally showed up on all three credit report changed their name to Account Resolution on my XXXX and XXXX report ( address listed as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX and XXXX XXXX XXXX, XXXX, CA XXXX ). I also noticed that Persolve , LLC conducted three unauthorized hard inquires on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have conducted additional investigations and reached out to XXXX which is the company that Persolve, LLC/Account Resolution claims to be collecting the alleged debt for. I reached out to XXXX on XX/XX/XXXX at XXXX XXXX and inquired about this alleged debt. In speaking with the representative and being transferred to numerous departments, I was informed that the alleged debt was sold to Persolve , LLC and that XXXX was NOT pursuing any collection efforts against me. On XX/XX/XXXX I sent a certified Debt Validation Letter to Persolve , LLC. It was received on XX/XX/XXXX. I waited the legal 30 days and never received a response from them about this debt. On XX/XX/XXXX I sent a certified Cease and Desist letter to Persolve, LLC/Account Resolution to all the addresses listed on my credit report demanding removal of this debt. It was received on XX/XX/XXXX and to the date of this letter the account has not been removed from my credit report. On XX/XX/XXXX at XXXX XXXX I contacted XXXX again to verify if they were pursuing collection of the alleged debt. I spoke with two representatives and was told again that XXXX was not pursuing any debt collection action against me and that the debt had been sold to Persolve , LLC. Additionally, I reached out to XXXX Charge Off department on XX/XX/XXXX at XXXX XXXX, spoke with another representative and was again advised that XXXX was not pursuing any debt collection efforts against me, that the debt has been SOLD to Persolve , LLC on XX/XX/XXXX which a few days later the account was reportedly opened on my credit report on XX/XX/XXXX, and that the vehicle was sold at the auction for the amount of {$3800.00} and that the XXXX account was deleted from my credit report. I sent a certified letter to Persolve , LLC, and Account Resolution letting them know that I have spoken to XXXX and that XXXX is not pursuing any collection efforts against me. They still refuse to remove this fraudulent collection account from my credit report. I have filed a complaint with the XXXX XXXX XXXX and have found I am not the only Person this company has done this to. I have filed disputes with the three major Credit Bureaus, and they have claimed the account to be valid yet have not provided me with any proof of their findings. Additionally, Account Resolution was deleted from my credit report and Persolve , LLC has been reported for the same account. The account was changed only after the credit bureau closed their investigation. I have filed a police report for Identity Theft and an FTC Fraud Report for some other transactions that have appeared on my credit report and Persolve, LLC/Account Resolution has also been listed as a fraudulent account. I have never done business with Persolve , LLC, Account Resolution, Persolve Legal Group, LLC. I did not have a contract with them nor did I know about this company until this fraudulent reporting on my credit report appeared. Persolve, LLC/Account Resolution/Persolve XXXX XXXX XXXX did not notify me of this debt at all as stated by the FCRA, therefore I was not given the opportunity to dispute this debt until I discovered it on my credit report years later. They have conducted fraudulent practices to obtain my personal information, reported inaccuracies on my credit report, misrepresented the reason for their collection actions/fraudulent reporting, and reported a different company and address to the credit bureaus. The different company was reported upon the realization of my dispute being filed. These practices are ALL VIOLATIONS of the FCRA. I want this fraudulent account removed from my credit report immediately. I have followed all the rules as stated to handle this debt and Persolve, LLC/Account Management/Persolve Legal Group, LLC has not. Thank You for your time and attention to this matter. XXXX XXXX
10/26/2020	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 21117	Web
Vehicle was sold to repair shop by way of verbal agreement on a conference call in XXXX, XXXX after mechanic stated it was useless to repair and that there is an option for a mechanic to purchase from the finance company. I provided mechanic with account number and contact info. In XXXX, XXXX during a mortgage process a collection agency named XXXX appeared on my credit report and when I made inquiry discovered it was listed on behalf of auto finance company XXXX in the amount of {$19000.00}. Phoned XXXX since I knew I had participated in selling the vehicle to the mechanic. I spoke w/Ms XXXX XXXX XXXX XXXX and learned that the mechanic contacted them a month later ( approx XX/XX/XXXX ) and changed his mind and made a demand for storage fees which were paid to him by XXXX. Company made no attempt to contact me to inform me of this change. During this call I was informed vehicle was sold at auction in XX/XX/XXXX for {$3400.00} When asked why they didn't notify me, Ms. XXXX stated that after the sale a letter of intent was sent to an expired address which is not the last address they had on file OR the address they last made contact to me via mail and once when they repossessed the vehicle - they were absolutely aware of my current address, contact information, email, etc. and purposely ignored the information, in my opinion. XXXX instructed me to contact collection agency XXXX, provided phone number and stated XXXX couldnt discuss any further as they no longer have the acct details. I made multiple attempts to reach XXXX, the collection agency and once contact was made, they informed me they did not have the acct by my social or acct number and they would have had it even if the account no longer existed and was unsure why they were appearing on my credit file. I disputed the account w/both credit bureaus where it appeared and the account was ultimately removed as not valid. Three weeks passed and I restarted the mortgage process the account was then added the one credit bureau ( XXXX XXXX which it wasn't originally listed and I made no dispute. It was recorded on my credit file as XXXX, and both collection agencies XXXX and Persolve LLC at the same time. I disputed the account and Persolve LLC replied valid account. I made several subsequent calls to XXXX who are refusing to discuss who actually holds the account or the history of how it appears now as a collection. My position is that they contributed to this debt by not properly informing me of any subsequent steps of this process once the mechanic changed his mind about the purchase. This continues to be further unresolved as my many attempts to Persolve LLC have no resolve. I attained the contact information and was informed that they are the owners of the account but outsource the collections. Persolve LLC than provided me with a contact number and stated We are not permitted to discuss the specifics of the account once out-sourced. The contact information is for a company similar in name to the original disputed collection agency XXXX. Once I contacted this new collection agency I was informed by the rep that no collection activity was started for this account or could be found but if I would provide my phone number, social, mailing address and what I'd like to do with the account they would create a file and assign it to someone to begin collection activity. I decided against providing this information, rather went back to Persolve LLC. This has been since XX/XX/XXXX where I have left multiple voicemail messages - they use an answering machine only and through their website where there is an option to submit complaints, issues or concerns on their portal. This unresolve for an erroneous debt is causing me extreme hardship. XXXX, Persolve LLC are erroneously reporting at the same time multiple collections for one single account. They are being a barrier to me resolving. In addition the amount is incorrect and reflects nothing sold at auction deducted from the account. The balance remains the same from original purchase in XXXX, XXXXwith no record of payments or deduction of original balance of {$18000.00}. - balance is actually higher than purchase price. I began attempting to resolve this since XXXX XXXX and have yet to receive a return call or assistance of any kind.
06/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 700XX	Web	Servicemember
SENT CERTIFIED MAIL RETURN RECEIPT Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Case : XXXX Chapter : Chapter XXXX Case File Date : XX/XX/XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Balance Reported : {$10000.00} Date Last Reported : XX/XX/XXXX To Whom it may concern ( Persolve , LLC / XXXX XXXX XXXX ) : Please update the subject credit file to reflect the courts status of the debt as indicated Discharged in Chapter XXXX Bankruptcy. The Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires Persolve , LLC to report a due or open balance of " {$0.00} '' on all accounts in collection with you that are included in my bankruptcy case ( Case # XXXX ). Continued reporting of a due balance is the creditor grantors attempt to collect on this debt. Reporting of a balance other than XXXX shows my open credit being exceeded due to a balance being reported by Persolve LLC. The inaccurate reporting of this balance is causing me distress. This has put me under duress, I am left with no other option of relief to either pay the balance due or file suit. My intent will be to file suit against all parties in the parish of XXXX. XXXX, Louisiana if this issue is not rectified. All attempts have failed in working with Persolve LLC, XXXX, XXXX, and XXXX to correct the inaccurate reporting of information. Paying the balance open is against the bankruptcy courts order and relief granted under 11 U.S.C. 524. To the extent that any of the discharged debt is reporting other than a XXXX balance, please consider this letter as my final dispute under the Fair Credit Reporting Act and Persolve, LLCs notice negligence to the law and relief granted by the court. Consequently, I am requesting you to immediately report a XXXX balance and update XXXX, XXXX, and XXXX file with accurate information. The Federal Trade Commission has been clear regarding how a furnisher must report information relating to the balance due post-bankruptcy. The Federal Trade Commission Official Staff Commentary to FCRA section 607, item 6 states the following : Content of Report : A consumer report need not be tailored to the users needs. It may contain any information that is complete, accurate, and not obsolete on the consumer who is the subject of the report. A consumer report may include an account that was discharged in bankruptcy ( as well as the bankruptcy itself ), as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the debt. The Federal Trade Commissions guidance remains the last word on this issue from the regulatory side and courts still regularly rely on it. XXXX XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX WL XXXX ( XXXX. XX/XX/XXXX ). Page 1 of 2 Pursuant to the Fair Credit Reporting Act you are required to investigate this complaint and promptly notify me of the results of your investigation. I request that you conduct an official review of the information Persolve LLC to all credit reporting bureaus. If for any reason you decline to conduct that review and make the necessary changes, I request that you promptly advise me so that I can take additional steps necessary to protect myself. Thank you for your prompt assistance with this matter. ___________________________________ Signed XXXX XXXX XXXX XXXX Todays Date : File : XXXX XXXX XXXX XXXX Re./Persolve, LLC - Second Notice CC : XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77316	Web
This company purchased an old debt from XXXX XXXX in XXXX in the amount of {$10000.00}. They have added excessive fees to this purchased debt and now they are trying to collect {$19000.00} from me. They are in violation of the Fair Debt Collection Practices Act as follows : FDCPA 807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX XXXX. The car was sold at auction shortly thereafter and XXXX XXXX sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company PERSOLVE LEGAL GROUP purchased the debt from XXXX XXXX and is now trying to collect {$19000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. PERSOLVE LEGAL GROUP is now trying to collect {$19000.00} for a car that XXXX XXXX sold at auction 5 years ago. XXXX XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$19000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$19000.00} due and owing. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
09/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08012	Web	Servicemember
I have been a XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX I had an emergency and was near XXXX XXXX in XXXX New Jersey. I informed the ER I was a 100 % VA Patient and XXXX XXXX XXXX and my Primary Care Doctor at XXXX XXXX XXXX XXXX XXXX that VA pays for outside emergency care. VA did pay for XXXX 's care however, I did not know that XXXX XXXX XXXX XXXX had charged {$800.00} in addition, and in XX/XX/XXXX I saw on my credit report an account for ARS. I called ARS in XX/XX/XXXX and told them I was a VA patient, they told me to contact VA. I did so by contacting ( which took a few months to get a hold off ) XXXX XXXX XXXX in XXXX who told me to have ARS contact them and in the meantime dispute it on my credit report, which I did. Each time I would call in and tell ARS this over many times. I disputed this, ARS still claims I must have the VA call them. Even though I am not responsible for this and without their doubt, VA pays for that health care as they told me VA calls them. However, the person I called on XX/XX/XXXX told me spefically they are not able to call VA, which I asked why, especially after I have disputed this and their account comes off my credit and then is reported over time. The answer was again " We are not able '' So as I told her, perhaps it would be better for us as veterans to have ARS contact VA for their payment, and for their company to get paid instead of putting false information on our credit reports. I asked for the debt in the mail as well as the policy for not being able to ask the VA for the payment. She transferred my to her supervisor, without any rings, it went to voicemail. I do n't understand ARS, if they require payment, why not ask the source instead of having a Veteran like myself do the work and now complain? I will ave to again ask my local VA to seriously take that concern as well. This has impacted my credit and life many times, because I do n't understand the obvious nature of just asking the correct information for their payment. I also believe, perhaps they are not understandig it even may be against the law to report this on my credit report, they refuse to work with me, if I have to hire an attorney is that not also an indication of ARS breaking the law for whatever reason, they will get paid by VA, but impacting my credit like this I do n't understand why I must mediate between Veterans Affairs and ARS. How this affects veterans is also obvious, although we can use outside resources like this in an emergency, I do n't know why after years of not having bills paid which again, even though VA paid XXXX, how am I supposed to know there is an additional bill, how was VA supposed to know, who was the person from the start that did not place that information on what insurance I had since I showed my VA ID Card and VA paid XXXX? Why not ask that instead of affecting me? The only control I have is to complain, dispute, and ask them to take it off and contact VA.
11/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92553	Web	Servicemember
XX/XX/XXXX To whom it may concern, I XXXX XXXX XXXX tried negotiating a fair price with Mr. XXXX from the XXXX XXXX XXXX XXXX It was he that told me that the only way they would let me pay a monthly {$150.00} payment, would be that they are going after the full {$9200.00}. Yes! Mr. XXXX said XXXX his own words over the telephone verbally. I know my rights and I know bill collectors are supposed to work with their clients. I told Mr. XXXX what XXXX can afford and I would try. My rent will be going up an additional {$270.00} per month starting XX/XX/XXXX. My rent will go up from {$1800.00} to {$2100.00}. the rent is split two ways. My student loan will also be paid on XX/XX/XXXX. What do you expect me to do when a bill collector is coming after {$250.00} a month. When they bought the account from XXXX XXXX XXXX, the account was still {$9200.00} and not {$10000.00} or {$13000.00}. Where are these debt collectors getting these figures? For, they did not pay {$9200.00}, {$10000.00}, or {$13.00}, XXXX for this debt which was sold by XXXX XXXX. It read in the closing portion that the statement was false. No! If a debt collector expresses to me what he expects and if I do not agree to what he wants, he needs to send me something in writing. I have a signed document of the new lease agreement starting on XX/XX/XXXX, my lease agreement will be going up to {$270.00} more a month. The XXXX XXXX XXXX Account Members don't have any compassion or respect for those who are in need. The statement when talking to Mr. XXXX was not false and Yes! I talked with him about reducing the payment. he replied, the only way that XXXX would accept a {$150.00} a month payment, they are to go after the total {$10000.00} dollars. What is it that you can not help me settle the problem I am having with XXXX XXXX XXXX wanting the entire {$9200.00} owed on the account? How is it on my XXXX Account, this debt is paid off and no payment is due? Around XX/XX/XXXX, or before, I signed up for XXXX XXXX, that I may get some help with the negotiating price/mediation. One of the lawyers from Legal Shield from the LAW FIRM OF : XXXX XXXX XXXX XXXX, LAW FIRM PHONE NUMBER IS XXXX. Tried to negotiate a fair price with the XXXX XXXX, but they did not accept it. I did not retain them because I do not have a 10 % retaining fee from the {$9200.00} fee. Again, Sir or Ma'am, my word is my bond and what Mr. XXXX relayed to me, this is what I am relaying to you. Can you please check my credit report and see that it is noted that this debt is PAID!!! Why are debt collectors coming after a debt that they only paid pennies on a dollar? XXXX XXXX XXXX ( XXXX ) XXXX
10/01/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 78628	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX XXXX. The car was sold at auction shortly thereafter and XXXX XXXX sent me a notice of deficit after the auction sale. Being unemployed and XXXX I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company PERSOLVE LEGAL GROUP purchased the debt from XXXX XXXX and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. PERSOLVE LEGAL GROUP is now trying to collect {$17000.00} for a car that XXXX XXXX sold at auction 5 years ago. XXXX XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
01/21/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95337	Web
I have a credit card debt with XXXX for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX XXXX Account Resolution associates with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by XXXX. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?
03/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95843	Web
Hello CFPB, My name is XXXX XXXX. I am writing about a company named Persolve LLC. I first heard of this company in XX/XX/XXXX. I found out through work that they were going to garnish my paycheck for a debt I never heard of. The amount totaling in {$6300.00} plus {$0.00} cents per day interest ( A ). I didnt know what to do or where to go. So I called this company asking for proof and that I have had identity thief and dont believe I owe them. They flat out told me I wasnt entitled to that information and it didnt matter because they got their garnishment. Finally he told me it was a metrix card ending in 4 different numbers. They couldnt tell me the card name, what company it was anything. So I pretty much just hung up. They were taking about {$600.00} a month I filled for a exception and when I explained to the XXXX Officer I dont believe this is real he sent me this typed up letter that I supposedly sent back in XX/XX/XXXX. I find this letter to be fake I marked it ( B ) as my first questionable piece. The fonts dont match its not addressed to anyone and I dont believe or remember writing it. As time went on I talked to a lawyer who told me this claim was denied a handful of times until they submitted something in XX/XX/XXXX ( B ) is what I attached for you. I finally figured out that was suppose to find my way to XXXX XXXX for a court day which was not going to happen because they were taking all my money. They kept sending letters to my house and finally when the court day came near they sent it to the wrong address. I feel they did this on purpose I have envelopes ( C ) which I also attached. Needless to say I missed the court date. I dont understand how they can sue me in XXXX XXXX when I live in XXXX and have never lived in XXXX XXXX. My exception came back and the court knocked it from {$600.00} a month to about XXXX. In XX/XX/XXXX I got another letter stating I owe them once again so I called my payroll and asked what was going on they informed me back in XX/XX/XXXX the sent a court order to stop the garnishment ( D ). Which I have also attached for you. Now its XX/XX/XXXX and I got a call from my payroll again because they are taking me back to court now for the amount of {$5800.00} plus {$1.00} interest a day ( E ). I dont understand how this can happen? How can they take my money with no proof? How can they sue me in another city? I am so lost and dont know what to do.
01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90019	Web	Older American, Servicemember
Map PersolveLLC dba Account Recovery Services LLC Website Directions Contact us XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Closes XXXX XXXX XXXX XXXX PERSOLVE LLC dba Account Recovery Services alleges that I owe XXXX XXXXXXXX and more from a debt to the now defunct credit card XXXX XXXX ( I had never even heard of the now " dead '' and bankrupt XXXX XXXX XXXX XXXX. PERSOLVE bought their debts in XXXX ( 7 years after that credit card co was dissolved by bankruptcy, and then sued me with a Complaint for Money Damages in XX/XX/XXXX. ( The court case is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, caption entitled PERSOLVE v. Karin Piet, for your information, and the file shows a great disregard for ethical litigation practices, I was NEVER served with a Summons and Complaint, and so did not know of the lawsuit until my XXXX XXXX XXXX XXXX was levied and closed ( around the year XXXX ). In XX/XX/XXXX ( the same month that my husband died ), I was notified of a second garnishment. At this time, I had just received XXXX XXXX XXXX XXXX from XXXX, which I can prove. On XXXX ( 14 days after my husband XXXX XXXXXXXX XXXX death, they then STOLE by garnishment nearly XXXX XXXX. They also effectively stole my one-time Social Security Survivor award of {$250.00} ( which, Social Security informed me, was taken by PERSOLVE to offset a existing balance. Needless to say, I am filing a Notice to Vacate Judgment, and secondly, a Cross-Complaint for Monetary Damages, Fraud, Unclean Hands, Trickery, Identity Theft, and Intentional Infliction of Emotional Distress. Also, when my Notice to Vacate Judgment in this matter was filed ( effectively ) with XXXX, my friend XXXX took it out for personal service at their address at XXXX XXXX XXXX in XXXX ; they were located in a complete " stealth '' building ( 3 floors, key-card access only, no windows ). However, we waited at the door until XXXX XXXX, lunch time, at which some other workers left the building, We effectively served them and they hated it! XXXX XXXX, CFO, Manager, and Agent for Service, was " hiding in a meeting in the other room '' As far as my Cross-Complaint goes, I am going to ask the XXXX Sheriff 's Dept. to do the personal service, Also, Case No. XXXX is on the calendar at XXXX XXXX. on XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XXXX presiding. Please feel free to contact me or my attorney XXXX XXXX for any reason.
10/28/2021	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77035	Web	Servicemember
XXXX/XXXX/201 a XXXX male left a note on my door stating that his name was XXXX and that i needed to contact him about legal documents from XXXX County Court in XXXX TX. I was present at home when this man knocked on my door my security camera sits in my window facing my front door. I was looking through my peep hole of the front door this man had no visible badge or I.D nor was dress attire for XXXX County Court. He noticed the camera and stepped back out of view of it. He left and i called the number provided on the paper and he asked my name and address i answered the question asked him about the notice left. He replied " i have some documents from Persolve legal Group to give you about a collection i for sue. I responded that i haven't received anything via mail from or phone call from XXXX County about Persolve Legal Group suing me. He proceeded to tell me that i need to get the papers from him in a upset manner. I asked him if he was a Officer of the court for XXXX County in XXXX Tx he replied " Yes, The judge sent me to give you these papers '' i asked for his full name, Badge number and what court he worked out of he laughed and said " Thats None Of Your Business " I then told him if he cant properly identify him self as a Officer for XXXX County Courts to not contact me or come to my home and he replied " ill be back ''. I then Contacted XXXX XXXX County Information number told them about the situation. The Clerk transferred to a the XXXX Sheriffs Department and i spoke with a deputy who told me that The Officers Must Identify themselves when asked by a civilian and display a badge or id is worn visibly on any court officer of XXXX County they do not send out Officers to issue documents regarding Debt Collections. He took my name address and phone number and told me that if it happens again to call and to not engage in any further contact with the person and was noted in the system for future reference. This made me weary and is a major concern for my safety. The note on my door didn't bear any XXXX XXXX County Court Trademarks, court number, address, or legal identification. I will upload the note that was attached to my door. I believe this is in regards to a Auto Debt Collection being perused by Persolve , LLC XXXX XXXX XXXX # XXXX XXXX, CA XXXX http : //persolve.com
03/01/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95825	Web
I am writing to express my deep concern regarding the unethical practices of Persolve , LLC, and the failure of XXXX, XXXX, and XXXX to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank XXXX XXXX XXXX ) and was assured that the debt would be cleared. In XXXX, I began receiving calls and letters from Persolve LLC demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over {>= $1,000,000} per year. I have made numerous attempts to dispute the fraudulent collection with XXXX, XXXX, and XXXX, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, Persolve LLC has continued to claim that the debt is mine and has refused to remove it from my credit report. In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but Persolve LLC still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} due to their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. I have now been forced to sell my home to access the {$350000.00} in equity in my home. I implore the CFPB to investigate the unethical practices of Persolve LLC and the failure of XXXX, XXXX, and XXXX to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships.
10/28/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32836	Web
I am writing to report a debt collection agency called Persolve LLC. They are located in California and their address is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX. They committed a fraudulent act that needs to be investigated and resolved immediately. On the first week of XXXX XXXX, I received a notice of levy under writ of execution in the amount of {$13000.00} from XXXX XXXX XXXX who I was banking with. The notice had the name of the agency collecting the debt, Persolve LLC vs my name. This caught me by surprise because this was the first time I received anything regarding this company collecting this debt. Immediately I went to the bank to see if this was even real and tried to withdraw my funds and discovered the bank had placed a hold on my account. In fact I even went to the police department to try to report the collection agency as fraudulent and they asked me to contact either the agency or the court. I called Persolve LLC and spoke with XXXX XXXX who was apparently assigned to my case. He told me this was related to a credit card debt that I didnt even have and tried to convince me that I owed the money. In fact, he tried to ask me for additional payment even after the levy was in progress. Next I called the courthouse in XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX, XXXX, CA XXXX ) that was handling my case and they told me I was served. After I asked them when and where, they told me they sent the summons at an old address that I lived XXXX years ago so I never received any mail related to this case. Therefore, I never got a chance to dispute the case and the agency stole the money right out of my account. This incident created a great amount of stress and anxiety and distrust in the judicial system and even the banking system. The agency consistently kept calling me for a few months after they stole my money. I wanted to pursue a lawsuit against the agency to get my money back but I did not have the funds to retain an attorney to fight my case. I am seeking your assistance to investigate Persolve LLC to ensure this doesnt happen to another citizen.
11/23/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30331	Web
I purchased a car from XXXX XXXX in XXXX and in XX/XX/XXXX I willing gave the car back to XXXX XXXX. They came to my home picked the car up and assured me that my surrendering the vehicle on my own accordance that I want be held liable for any additional charges. There was no past due payments at the time I surrender the car. When I reviewed my credit in XXXX a collection agency that I have never had a conversation with or any form of contact was saying I owed them over XXXX in debt I also noticed after getting a copy of my credit report via mail that that collection agency made false statements adv I paid towards that owed amount when I never had no form of communication with them. I have been disputing this amount with all XXXX major credit bureaus for the last 5 years requesting accurate proof and documentation but once the disputes are resolved they only say the debt is accurate not providing no proof of the requested documents. This false debt collection has been sitting on my credit for over XXXX when the vehicle was willing surrendered to the the actual company XXXX XXXX who I can still purchase a car from right to this day. I would like this debt removed from XXXX because its the only negative item in my credit that is XXXX inaccurate and XXXX fraudulent information information and debt. I have not received proof of the time frame when this debt actually took place which I know when I originally purchased the car from the the vendor XXXX XXXX which was in XXXX and in XXXX me and XXXX XXXX spoke over the phone and came to a mutual agreement that I could surrender the car willingly and it would not affect me or my credit. If you look at my credit report there are no repo for that vehicle. The collection agency that I guess purchased the debt for Pennies are trying to collect debt without communicating with me with me as well as reported false information saying I made payments with them towards an a inaccurate amount and is against the Fair Credit Act. Im not paying a unknown company that I have never communicated with nor provided proof to me about false fraudulent charges.
08/09/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78154	Web	Servicemember
I have already filed a complaint regarding this debt with this company, filed disputes with the credit bureaus regarding this illegal collection of a debt not owned, and their response did not provide any response specific to my claims! They only provided, essentially the same documents that I provided to you! This should not be acceptable to the CFPB and they should be required to answer the actual claims relative to the fact that XXXX, the lienholder and original hold to this debt, received the " amount of the Creditor 's interest as of the date of the loss, as represented by the portion of the Customer 's unpaid balance according to the original payment schedule of the Financing Contract that is secured by the unearned finance charges ; late charges, ; any delinquent payments '' as per the paragraph 8 of the GAP Addendum to the sales contract for this debt! This debt is relative to a vehicle that I purchased from XXXX on XX/XX/XXXX that was financed by XXXX ; the original debt holder/lienholder. This vehicle was stolen from me, totaled, and then as a result, XXXX collected the payoff via the GAP Insurance Policy from XXXX that I purchased when I financed this vehicle. XXXX requested and received the payoff of this debt via XXXX on XX/XX/XXXX as confirmed by XXXX on XX/XX/XXXX by XXXX XXXX, the Manager of Customer Service for XXXX which should verify the absolutely ridiculousness and invalidity of this illegal debt collection even further! Furthermore, XXXX refused to send me proof in writing, as the customer/owner of the GAP Insurance Policy with XXXX, Account # XXXX that XXXX received the payoff. Nonetheless, per Persolve XXXX 's own response, the amount they are attempting to collect does not even match the amount that XXXX claims they are owed! Persolve XXXX is a fraud ; is scamming my credit, and XXXX, the original debt holder is facilitating this scam and CFPB is allowing them to do this!
08/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AZ 85251	Web
The debt collecting company sent me a XXXX ( cancellation of debt ), which they filed with the IRS on XX/XX/2020. My 2020 IRS Transcript has proof of this cancellation. In the Identifiable Event Code section of the XXXX, the debt company wrote " By Agreement '' but I did not agree to any of these decisions and if there is an agreement, I request to see the proof. This account is reporting on my XXXX Credit Report as a collection item. It is accruing interest and fees and has a balance of {$24000.00}. All of which should be reporting as {$0.00} because of the debt cancellation. This matter has been affecting my credit, my credit score and my personal life because I have not been able to get approved for credit. This same account is reporting as a {$0.00} balance on my XXXX Consumer Report. The inaccuracy of the reporting is a violation of the Consumer Reporting Act. I want this account and its entirety deleted and removed from my credit report immediately. Again, the information is incorrect, and it is also fraudulent behavior because it was listed as an agreement. Please verify this debt and remove it from my consumer report as soon as possible to ensure that I am being treated fairly in my pursuit of happiness under the US Constitution and the Fair Credit Reporting Act. I have reached out to the company, but the gatekeeper would not allow me to speak with the supervisor or manager. Please help me correct these errors. ( In the attachments you will see my XXXX Credit Report with the balance showing {$0.00}. You will also see the IRS Transcipt showing a XXXX Cancellation of Debt for this matter with the balance showing {$0.00}. You will also see 3 screenshots from my XXXX XXXX XXXX XXXX which is connected to my XXXX Conusmer Report and shows the incorrect balance of {$24000.00}. )
01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 206XX	Web
The Company Persolve , LLC illegally obtained a copy of my credit file in an attempt to collect on a debt not owed. This company did not have permissible purposes and authorization was NEVER given. This is illegal per the FCRA and the FDCPA acts. The debt this company is attempting to collect is listed by another Credit Reporting Agency under a DIFFERENT Debt collector. This proves that this is not a valid legal debt owed to Persolve , LLC. This is illegal per the FCDPA act. This is a zombie debt that is parked on my account, that the company continues to report inaccurate information regarding this debt/ The company constantly increases the amount owed each month and RE AGING the debt each time I dispute it. This is inaccurate reporting and is illegal per the FDCPA act. This company also continues to contact me at my workplace using numbers from international companies after I verbally requested to cease communicating with me. This is illegal per the FDCPA act. This company also continues to report this debt on my credit files after officially disputing the account. This is illegal per the FCRA. Several attempts to seek legal validation of this debt resulted failed delivery and a return of certified mail ( Attached ). Ultimately, receipt of my dispute was received The company replied with sending personally identifiable information in the regular mail, documents that included my Social security number, non public information ) placing my identity at risk. Attached is a copy of the letter that accompanied my personal information that I received. This does not prove the validity of my debt. I request this company remove this illegal listing from my credit file, never to relist again.
05/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90022	Web
I, XXXX XXXX, with SS # *********** was sued by XXXX XXXX from Persolve, LLC, XXXX Account Resolution Associates, XXXX, located on XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on behalf of XXXX XXXX for a Credit Card Debt that belong to me but was compromised on Identity theft together with other account that were corrected at the time by the creditors by following video survelliance proving that my Credit cards were used by another individual different than me. Other credit card companies were willing to do their own investigation and concluded in effected that it was not me using the credit card and by also looking at my history proven that i would n't of never used my credit card to that extend. I initialy was contact by XXXX XXXX requiring for me to pay for those transactions, during several comunications with them, I told the Credit Card company that I was victim of Identity theft and therefore that debt did not belong to me. In the beginnig I tried to keep my credit card in good standing by making my payments but they did not want to investigate the transaction in dispute and took legal process againts me. When it came to the legal lawsuit, they did not serve papers on time for me to appear to court, summons were served after the fact and did not give me the chance to respond. Now a lien is place on my property which is totally wrong. I follow the chain of command, I do n't understand how the other Credit Card that were also compromised were willing to investigated and XXXX XXXX just refused to and proceeded with a legal action that is impacting negatively in my Credit that I had work so hard for all this years.
06/17/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32608	Web
I am the consumer I am currently going against a third party debt collector who claims that i owe them XXXX but my consumer report shows XXXX i do not owe this company anything we have never did business together. 15 usc 1692 h this company is abusing me and my reputat pursuant to 15 USC 1692G ( A ) admission of liability states the failure of a consumer to dispute the validity of a debt under this section may not be constructed by any court as an admission of liability by the consumer .There shall be no judgement this a violation of my federal rights. I am the original creditor and my contract states that the vechile was secured via security interest the contract states that to secure obligations you give us first priority security interest in the vehicle 18 usc 914 i am the original creditor to make my claim even more factual i will elaborate on how My car was repossed by the organization that extended the credit XXXX They actually took the car sold it at a auction and advised me that they would be repaying me the profits. if I am the one who owes this alleged debt please answer this how do they owe me any money? I have also reached out to this company demanding that they cease all contact with me I have been harassed for over a year now and I have never did business with this company under federal law you can purchase a debt but you can not purchase my personal information Address, phone number etc as a consumer I have a right to privacy pursuant to 15 usc 1692 ( a ). I have sent over a validation of debt pursuant to 15 usc 1692g i am disputing this alleged debt and validation from persolve XXXX XXXX.
06/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 78628	Web
This company PERSOLVE LEGAL GROUP is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. PERSOLVE LEGAL GROUP is now trying to collect {$16000.00} for a car that XXXX XXXX sold at auction 5 years ago.XXXX XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
12/01/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78154	Web	Servicemember
I have filed ( 2 ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, XXXX at the Justice of the Peace Precinct # 4. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am permanently, medically XXXX and receive Social Security and am on a fixed income while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!
05/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 91367	Web
For the first time a '' Memorandum of costs after judgment of accured interest '' dated XX/XX/XXXX was mailed to my old address from Persolve LLC case # XXXX XXXX Courthouse?! It was a long time before I could find any case info because the website indicates XXXX XXXX Courthouse not XXXX . I was shocked to find out this Company filed summons XX/XX/XXXX , got judgment in XX/XX/XXXX . I was never informed, called, served or anything mailed to me for 7 years!!!! This Company filed Writ of Execution to XXXX County XX/XX/XXXX . In XX/XX/XXXX 7 they garnished my Bank account and took money!!!!!! I filed Claim of Exemption XX/XX/XXXX .that was mailed to wrong address again after I gave the Sheriff correct address and phone number. I do n't know who this Company is or owe anything to them. How can the Court o rder against me without giving me a fair chance to defend my self. I ca n't explain how violated I feel. I am XXXX . My only income is from XXXX . I am a XXXX XXXX XXXX . How can they do this to me? It is hard to deal with day to day suffering from my illness. BUT THEY MANAGED TO STEAL MY MONEY. I have court on XXXX because Persolve filed notice of opposition to claim of exemption???? I have contacted XXXX , XXXX XXXX and XXXX they have no records of any negative accounts. It is deceptive collection practices and misleading the Court, The Judge, The Law and myself. I need some one that will stand up for me and stop others from being unfairly taken advantage of.
03/09/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75056	Web
On XX/XX/XXXX i applied for a car loan with XXXX XXXX loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let XXXX and they would contact me with the amount owed once the car was sold. The car was sold and i was advised their was no debt, I never heard from XXXX again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or XXXX that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called Persolve Legal Group on behalf of XXXX since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over XXXX by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.
07/21/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78154	Web	Servicemember
Persolve Legal Group XXXX is reporting an open balance of {$7000.00} from an original debtor of XXXX XXXX XXXX. I have disputed this claim twice with Persolve Legal Group, on XX/XX/XXXX and XX/XX/XXXX yet it remains on my credit. This claim stems from a vehicle that was purchased on XX/XX/XXXX for a XXXX XXXX XXXX purchased from XXXX and financed by XXXX XXXX XXXX. This vehicle was a covered by a XXXX XXXX XXXX XXXX and this vehicle is no longer in my possession as a result of a loss that the lienholder, XXXX received the price of the loss from XXXX as a result of this loss! I spoke with XXXX today, XX/XX/XXXX, by phone at XXXX spoke with XXXX XXXX, XXXX of XXXX Customer Service, and XXXX XXXX advised me that XXXX XXXX XXXX, as the lienholder of my vehicle, recovered the price of the loss of the vehicle, via the GAP insurance policy issued by XXXX, on XX/XX/XXXX, policy # XXXX. I requested verification in writing, as the customer of the policy and was advised that since XXXX XXXX XXXX received the funds, they could not release this information to me. However, this debt has been paid and needs to be deleted immediately and imminently! This same account was reported by another agency, which I disputed in XX/XX/XXXX that collection agency from XX/XX/XXXX was forced to remove this collection account from my credit and then it was sent to XXXX XXXX XXXX, who keeps reporting this completely false information!
05/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94107	Web
On XX/XX/XXXX, I received a letter from Persolve Legal Group, LLP that was addressed to XXXX XXXX at my personal home address. I AM NOT XXXX XXXX. I am XXXX XXXX. The letter states that the company is attempting to collect on a debt that XXXX XXXX owes to XXXX XXXX, XXXX. The amount is {$5700.00}. There is no one by the name of XXXX XXXX at the address listed. I AM NOT XXXX XXXX. I am XXXX XXXX. I have never done business with XXXX XXXX and I have never sought a XXXX Credit Card. This debt was originally attempted to be collected by XXXX XXXX XXXX XXXX XXXX I submitted a complaint with the Consumer Finance Protection Bureau ( Complaint ID XXXX ) for which YOUR BUREAU DID NOTHING to resolve this complaint. I had to contact XXXXXXXX XXXX and received a letter dated XXXX XXXX, 2021 telling me the following : The account for XXXX XXXX has been shut down. I have been CLEARED of any responsibility for this debt being that I AM NOT XXXX XXXX. I did not make any purchases and I am not responsible for them. In addition, XXXX XXXX notified all three credit bureaus to remove this account from my credit report. Now the question is, when is the Consumer Finance Bureau going to actually DO SOMETHING FOR A CHANGE and go after identify theft and consumer fraud?? I am OUTRAGED that this debt collection was transferred to ANOTHER DEBT COLLECTION agency which is going after me for the same amount and I am NOT XXXX XXXX!
05/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91324	Web
I received notice of a lawsuit filed against me by Persolve legal XXXX, authorized representative for XXXX XXXX XXXX. I requested documents to support the ( junk debt ) lawsuit filed against me, to date XXXX XXXX XXXX and their legal representative have failed/refused to provide any of the requested documents ( Eg.. Application signed by me, the actual write-off amount by the original creditor, how much XXXX XXXX actually paid for the junk debt in dispute ) denying me my legal right to Due Process. Persolve legal XXXX counsel XXXX XXXX XXXX ( CA state bar XXXX ) has used veiled threats, and intimidation tactics in an attempt to force us to accept their {$1000.00} take it or leave it offer without providing any substantial evidence to support Persolve legal XXXX aggressive attempts to collect money XXXX XXXX XXXX may not be legally entitled to. I am asking for your help to help resolve this matter. I ask that XXXX XXXX XXXX and their legal representative Persolve legal XXXX provide a copy of the original credit application signed by me, a complete itemized ledger showing payment history, interest and fee charged, an unredacted copy of the leagl assignment XXXX XXXX XXXX recieved from the original creditor and copy of legal unredacted documenation showing what the original write-off amount of the junk debt in dispute was, and how much XXXX XXXX XXXX actually paid for the debt in dispute.
10/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77469	Web
A lawsuit petition for {$11000.00} from Persolve XXXX, LLC was served via process server on XX/XX/XXXX. An official answer was submitted on XX/XX/XXXX. Affirmative Defenses included the following : XXXXDefendant is not liable to Plaintiff because Plaintiffs claim for breach of contract is barred by the four-year statute of limitations in Texas Civil Practice & Remedies Code section 16.051 XXXX XXXX. Defendant is not liable to Plaintiff because Plaintiff lacks standing to sue. XXXX. Defendant is not liable to Plaintiff for the amount of damages claimed because Defendant is entitled to offset. XXXX. Defendant is not liable to Plaintiff because Plaintiff was not a party to the original transaction. XXXX. Defendant is not liable to Plaintiff because the agreement does not comply with the requirements of the statute of frauds. On XX/XX/XXXX, Persolve XXXX, LLC submitted a motion to dismiss. This order was granted on XX/XX/XXXX. Persolve XXXX, LLC has continued to report an outstanding balance to ( 2 ) credit bureaus, XXXX and XXXX. Persolve XXXX, LLC recently updated an outstanding balance of {$21000.00} to XXXX and an outstanding balance of {$21000.00} to XXXX. This issue has been dispute with XXXX, XXXX, and Persolve XXXX, LLC. All of which have filed to remove this reporting. This negative and false reporting has caused a financial hardship.
06/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92277	Web	Servicemember
On XX/XX/2018 a default judgement in the amount of {$5000.00} was entered against me in a Civil Case in XXXX XXXX County court that was not the Court in my immediate area. I was never notified by by Persolve LLC that I owed them a debt, nor was I informed of what the debt is for prior to them filing suit. I still do not know what this debt is they fraudulently claimed they served me at a business postal box. They shared information regarding the lawsuit with the business owner who informed them I no longer had an active mailbox with them and could not accept any documents. The individual then yelled at her stating she had to accept the documents. When I returned to the area and wanted to establish a mailbox again the owner informed me that someone had come in there and yelled at her. She was not provided a name and since I had no knowledge of the case I was not able to figure who or what she was talking about. I was never provided any court dates to defend my rights to respond. They fraudulently moved forward with a default judgement in a Civil Court case, if the debt is even valid ; knowing I was never served. - No Notice to Dispute Debt - Debt is Unknown - Fraudulent lawsuit, never served to respond - moved forward to get a default judgement knowing I was never served
07/06/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92026	Web	Servicemember
This case is against Persolve in XXXX CA. They have had A LOT of law suits, reprimands, ordered to pay restitution, etc. I had a XXXX XXXX card and bought a ring for {$1800.00} back in approximately XX/XX/XXXX-XX/XX/XXXX. The ring broke-stone fell out, we returned it but XXXX never closed the account. They then sold it to a debt collector. by XX/XX/XXXX, they had racked up {$5500.00}. XXXX charged off the account in XX/XX/XXXX and it was closed. Somehow this unscrupulous company, XXXX XXXX, Persolve LLC got the debt, they took it to court. They said they served me, they DID NOT. I would have gone to court and defended myself. They ended up going and getting a judgement for {$8000.00}! with {$1.00} a day interest!! They started a wage garnishment WITH NO NOTICE to my federal salary. My spouse is full unemployable XXXX veteran. This predatory debt collection should not be allowed. This company had done this over and over and over and they continue to stay in business? XXXX them, all the class action suits, judgments against them, failure to provide written notification, adding exorbitant fees and penalties, etc.. SEE attached court order and see the credit report which shows that this was closed in XX/XX/XXXXand charged off and was NO where near this amount owed!
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 662XX	Web	Servicemember
Persolve nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment, Persolve must hold this licensure and be registered through XXXX. Persolve has accessed my nonpublic personal information, almost daily, to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor is Persolve properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. If a lender takes assignment, it must file notification and be licensed as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Persolve has been requested to cease and desist all communication and delete this unlawful tradeline. Persolve has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Persolve has no authority. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Persolve alleges to have. A complaint with the OSBC has been filed also.
02/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IN 46360	Web
This company has been reporting to the credit bureaus twice a month every month and they have added almost {$6000.00} of interest on to an original amount. I first reached out to them back in XXXX of 2021 and ask them nicely to send proof of the debt and the original contracts, and then reach out to them again a second time a month later because I hadn't received the paperwork. I was told that they were working on it. Two separate times a month apart they have refused quietly to give me my information. XX/XX/XXXX I hired a lawyer to force them to give me the paperwork and they have yet to correspond to even that much, I have also disputed the debt the other credit bureaus and I have not received anything on that either. On my XXXX report they have removed the debt collection and then re-add it it a few days later. They were instructed not to continue to report by the lawyer and continue to do so. I asked them for the original contract and they told me that the original contract stated that they could continue to add interest every single month but would not give me an itemized deduction sheet as to where that came from. They also told me that they have the paperwork ready to sue me in court, and informed me that they would be ready to do so very soon.
02/18/2016	Yes	Credit card	Delinquent account	CA 93535	Web
I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically " stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?
10/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 35401	Web
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or have a signed contract with this company to do business with them. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
06/09/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AZ 85044	Web
Case File No : XXXX Outstanding amount : {$910.00} Dear Debtor, This is regarding the loan amount of {$300.00} which you have borrowed from the company named XXXX XXXX and never intended to pay it back. {$910.00} is total outstanding balance on your name including the late payment charges, Interest charges and NSF charges. So your file has been forwarded to the Legal Department as a final reminder to settle this case outside the courthouse. If you are willing to settle this case then the company can work on it with you in order to close this case file. After closing this file you will be forwarded a Paid in Full ( PIF ) Receipt at your mailing address with a No Objection Certificate ( NOC ) from the Major Credit Bureaus that the case file has been closed with paid in full. If not resolved then the best we can offer you is to be present in the courthouse as will be mentioned on the summons which will be forwarded to you within Seven Working days after the petition is filed against your name. Should have any assistance regarding this case you can reply back on the same email. Do revert ASAP in order to avoid legal consequence on your name and SSN. Thank You. XXXX XXXX .
10/15/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 92308	Web
Back in XXXX I was called and I was offered payment arrangements and I'm thinking XXXX a month, I'm low income and I was yelled at and told I have XXXX kids ( at the time now XXXX ) that I should have enough to pay it since its tax season and I'll get at least 5 or 6 thousand each child not including the other tax refund amounts. I worked at a tax office and was at work when this phone call came through. This was from XXXX 's in which I had Insurance, lost my job and Instead of them paying my monthly payment for 6 months like it states in my insurance agreement they sent me to collections. I have never been allowed to make payment arrangements and it keeps going up. XX/XX/XXXX I was served at the same time I was off work due to emotional and XXXX work injury and had a lawyer. To this day the amounts going up and I cant make any payment arrangements to pay except to give them well over {$3800.00} and I have no job no XXXX no car worth anything nothing and still they keep the amount going up so inco e tax time my refund will be gone ripping me off. My grandma had to change her number because they had a recording call 10 x a day and when we did speak to a live person we stated stop calling and they didnt.
10/02/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30038	Web
XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with persolve legal group about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX XXXX which is who is listed on my credit reports. XXXX XXXX XXXX does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked persolve legal group for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.
02/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ XXXXX	Web	Servicemember
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
11/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33147	Web
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
11/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78626	Web
This company ACCOUNT RESOLUTION ASS is trying to collect {$15000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from ACCOUNT RESOLUTION ASS with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ACCOUNT RESOLUTION ASS '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and ACCOUNT RESOLUTION ASS. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
06/01/2023	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32792	Web	Servicemember
The Vehicle from original creditor, XXXX ( XXXX XXXX XXXX ) was XXXX XXXX in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. XXXX THEN sold my information without my knowledge to a third party ( Persolve Legal Group ). The account has been reported as a charge off and NOT a repo. It was XXXX XXXX and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? Persolve Legal Group has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. XXXX is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), Persolve Legal Group falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in XXXX.
07/31/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75056	Web
Name : XXXX XXXX XXXX : XXXX SS : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Companies involved : XXXX Account Number : XXXX Persolve Legal Group I received last communication from XXXX XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. on XX/XX/XXXX I had phone communication with XXXX and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. All credit bureau 's and Persolve report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with Persolve with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.
05/27/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90813	Web
I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by PERSOLVE XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX is presenting a gross mischaracterization of an alleged debt. PERSOLVE XXXX XXXXXXXX XXXX brazen attempt to ignore my initial claim of XXXX XXXX alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
06/21/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 91316	Web
My complaint on 3rd party collector : Persolve LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX In XX/XX/XXXX this company put a hold on my account for the amount {$6.00}, XXXX and took out {$540.00} from one account and {$10.00} from another. That's how I found out they have a judgement against me for credit card opened under my name in XXXX, which I never opened. They served me trough XXXX XXXXXXXX XXXX in XX/XX/XXXX, because they are claiming they was not able to find me. Since then I am trying to resolve this issue and they are not responding to any of my phone calls, I am living msges constantly but no respond. I spoke with a person or clerk who not authorize to settle the cases but he said he will talk to the attorney. They don't even know I have assets or no, because he said on the phone we can put a lean on your house and this house I am not even renting anymore and it does not belong to me. Please help me to resolve this issue. This is not good company to work with and they go for your money.
06/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85286	Web
Persolve Legal Group LLP refuses to provide required documentation in dispute of an alleged debt they claim I owe. I have sent three certified dispute letters dated XX/XX/21, XX/XX/21, and XX/XX/21 to which XXXX XXXX " Compliance Officer '' fails to provide the requested information to validate this debt. The documents sent do not substantiate the debt, nor the information I requested, three times, and the excuse is that the documents that they received from their " assignor '' should substantiate the debt. The documents sent, to not provide the information I requested : name and addresses or creditors, when and who the alleged debt was obtained from and the amount at the time it was obtained, verification and documentation that there is a valid basis this alleged debt is owed to the stated creditor, billing statements, itemizations, statute of limitations, and their authority to collect. As a " Compliance Officer '' the obligation is to provide the requested information under FDCPA.
12/11/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95330	Web
Persolve LLC, now Persolve legal XXXX, XXXX Took me to court because i refuse to answer repeatable calls and robocalls and yes i mail a certify do not call letter, they won the case do to lack of me filing motions correctly The Judge told me in front of them that he had no choice, and they didn't even send me a Notice to appear in court the day of trial Judge ask for it lawyer said he didn't know, The bank they show me is invalid i never had an open account with that bank or the legal group, and no payments have ever been made to any card or debt since 2007 there fore They should not have any type of legal action on me THEY ARE NOT THE REAL DEAL I need the original Contract from the real card holder to say it is my debt but they show only they're own hand made or what ever it is please Show the real contract showing XXXX XXXX and ended in XXXX with closed ACCOUNT also show last payment on your so called BANK and the purchase, XXXX made by me or open statement.
07/16/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90807	Web
Filed bankruptcy, did 5 year payment plan, completed the 5 year payment plan. The case was dismissed for some year that we did not send an income tax return. Bankruptcy was filed XX/XX/XXXX - XX/XX/XXXX. After two years the case was dismissed XX/XX/XXXX received a letter from Persolve , LLC. a letter XXXX XXXX XXXX XXXX XXXX Courthouse , there is no date or whatsoever for me to verify or dispute, or court date. Persolve claiming more than what they claimed during the bankruptcy period.Persolve send a claim to the trustee for the amount of {$2200.00}, they got paid for what the plan scheduled for the amount of {$830.00}. I send Persolve a certified letter asking for the original creditor, original date of the collection and amount owed. They did not respond to my request, next thing they did they put a levy on my bank account thru XXXX County Sheriff 's Department. The amount taken from my account {$4600.00}. Try to call them ( XXXX ) XXXX, never return my call.
06/30/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 94533	Web
On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by Persolve LLC.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.
10/24/2023	No	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33024	Web
PERSOLVE LEGAL GROUP Account # XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
09/10/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92592	Web
I was sued by Persolve Legal Group on a debt that the statute of limitations has expired. My last payment on this debt according to my credit report from XXXX and XXXX XXXX was on XX/XX/2017. I was not served a summons to appear in court so I was unable to plead my case and let the judge know the the statute of limitations has expired. I did not know anything about being sued until I got the memoranda of costs after judgment. Since I was not there a default judgement was filled against me. Now any and all my accounts and safety deposit boxes connected to my name and SSN are levied and my wages are being garnished. Persolve also over the years sent me fake court documents trying to scare me into thinking I was being sued and/or to talk to them. I noticed that the fake documents did not have the county clerks stamp or an actual date to appear. Using scare tacts to force someone to pay or do anything I know is very illegal.
09/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33157	Web
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
05/17/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30044	Web
I purchased a car from XXXX XXXX XXXX XXXX and fell on hard times. My car was repossessed, and the debt sold to Account Resolution Association/Persolve. The debt is collecting interest and is currently nearly double the original cost of the car and certainly over the remaining charges after the car was repossessed, at {$20000.00}. The car was repossessed and yet they are charging me the cost of a new car and have not provided a break down of the charges. This is highly predatory considering the amount is so high it prevents me from ever being able to purchase another car or a home. I have tried disputing this debt several times and recieved no help. I would like the company to be investigated for gouging their costs and trying to bully consumers into paying hiked up fees, well over the original debt. XXXX/XXXX is already a horrible company in itself but the company that they hired for debt collection is worse.
06/29/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT 84321	Web
On XX/XX/XXXX my mother received a phone call from " XXXX XXXX '' who apparently was attempting to contact me. I had not received a phone call, and the individual who called was not only rude and unprofessional, she indicated he disclosed information he should not have. I did contact " XXXX XXXX '' the next morning, XX/XX/XXXX, asking what this was in regards to. He refused to provide me with an address where I could send a request for validation, also refusing to provide further information about the company he was calling from when asked. He would cut me off as I was trying to ask a question, and then proceeded in threatening this account would be escalated to management to pursue. I do not feel any of the communication tactics XXXX XXXX used were appropriate, as I am entitled to request validation, and withholding information such as an address or the spelling of your company 's name is misrepresentation.
02/27/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 91214	Web
I first learned of a lawsuit against me on XXXX XXXX, XXXX from a collection company called Persolve LLC when the payroll department of the company I work for sent me a notification of wage garnishment for XXXX %. I reviewed the documents sent to me by my payroll department and found out I had a lawsuit against me first filed on XXXX XXXX, XXXX with proof of service of summons on XXXX XXXX, XXXX, dismissed on XXXX XXXX, XXXX then a judgement on XXXX XXXX, XXXX and writ of execution on XXXX XXXX, XXXX. I was never notified of the lawsuit, notified of the serving, notified of the judgement or wage garnishment. The original debt was from a $ XXXX credit card that went into default in XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX that Persolve LLC bought and turned into $ XXXX debt with an interest rate of over {$4.00} per day. Persolve LLC is not the original debtor and never served me or notified me in any way.
12/07/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33570	Web	Servicemember
This company has failed to provide any information in regards to the method of validation as requested during the dispute process to include original contracts, proof they are authorized to collect, an itemized breakdown of payment history, how interest is accrued and where I agreed to such charges, how much they paid for the account, etc. Instead they are using predatory collecting practices to collect this invalidated debt by reporting to the credit agencies on a bi-weekly basis ( severely damaging my credit ), checking my credit report on a monthly basis ( unauthorized by me ), reporting the collection as an open account, and charging an astronomical amount of interest to the unverified account to the tune of almost $ XXXX in the last year alone. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt they claim is owned and that request has gone ignored.
11/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90505	Web	Older American
For the past 12 years I have been contacted by various debt collectors. The most recent one, Persolve LLC, has called me 5 times during the past two days and left a message on my answering machine. I never owed a debt in my life. ( I have paid all credit cards, bills and mortgages before the due dates for the past 40 years -- never had a late payment in my life. ) I think someone put my telephone number ( but no other information identifying me ) on some kind of an application. That person 's debt has been sold over and over to various debt collectors, all of whom start calling my telephone number continuously for a few months. I have written letters to previous collectors saying this is not my debt and I do n't know who they are looking for but they just then sell my telephone number to another debt collector. I want a way for my telephone number to not be sold over and over to debt collectors.
03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32714	Web	Servicemember
I have tried to reach out to Persolve Legal Group several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. I have requested this information XX/XX/2021, XX/XX/2021, and XX/XX/2021. The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal group in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.
03/22/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 78253	Web
The collection for an auto loan that I had was originally with Presolve Legal Group. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by Presolve. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called Presolve to get it and they keep telling me that XXXX has the debt now. I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.
03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32714	Web	Servicemember
I have tried to reach out to Persolve Legal XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33157	Web
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
05/12/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33647	Web	Older American
I have 100 % payback rate on my credit score. I have never missed a car payment for XXXX years and had exactly one year left to complete full payment on a car. Then car was damaged in accident and I could not get help or afford the repairs. I called lean holder to report forfeiture of my car and then discontinued payments. The lean holder promised to sell car at auction and allow money to go towards my debt and I would be informed. After accident I had the car appraised at about {$1800.00} and it was in very good condition. I received no communication until they sold loan to a debt collector with additional higher interest added. I have spoken to office of lean holder and debt collector but neither is willing to negotiate my debt and interest is rapidly increasing. I am XXXX and want to fix this debt but with my low income it is too much for me.
09/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PERSOLVE would verify the debt. So I took it upon myself to ask PERSOLVE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21218	Web
XXXX, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and Name held in trust i informed them that the are infridging on my rights. I have a FOIA request andXX/XX/XXXX of the XXXX im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH XXXX XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123
09/02/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 91755	Web
My bank accounts were levied XXXX XXXXXXXX by Persolve XXXX XXXX XXXX. I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX XXXXXXXX woman in my XXXX I am XXXX XXXX XXXXXXXX. I told them they served someone else and they didnt care. They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.
06/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92377	Web
In XXXX, XXXX XXXX filed a claim or judgement against me for a debt that was very old. In XXXX I found out about the debt. During that year they also started garnishing my wages without notifying me. The amount I owed was a little over {$6800.00}. I've tried on multiple occasions to reach out to the debt collector to resolve the case but no one ever gets back in touch with me, they never follow up with a letter or email. They completely ghost me. This past Friday, XX/XX/XXXX, they levied my bank account and took over $ XXXX dollars. Since the beginning of this process, they've added on fees and I don't even really know how much money they've actually received because I can't get anyone to follow up with me. I feel like I've been taken advantage of and I don't know what to do.
03/02/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78574	Web
Persolve Legal Group LLP has failed to establish that it has followed state and federal law to properly notified me that were going to sue ME prior to doing so. Furthermore, I do not recognize the debt they say I owe ; because statements and fraudulent charges can easily be manipulated to benefit the debt buyer the entire debt is being disputed. As a result of their unaudited practices ( nationwide ) by state and federal regulators, Persolve Legal Group LLP has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now ( including myself ) during a Pandemic. PLEASE ACT AGAINST THIS COMPANY.
03/02/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78574	Web
Persolve Legal Group LLP has failed to establish that it has followed state and federal law to properly notified me that were going to sue ME prior to doing so. Furthermore, I do not recognize the debt they say I owe ; because statements and fraudulent charges can easily be manipulated to benefit the debt buyer the entire debt is being disputed. As a result of their unaudited practices ( nationwide ) by state and federal regulators, Persolve Legal Group LLP has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now ( including myself ) during a Pandemic. PLEASE ACT AGAINST THIS COMPANY.
06/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32221	Web
I contacted persolve legal group back in 2022 to settle an auto loan debt. I worked with XXXX XXXX and made my payments directly through her totaling {$10000.00}. I was told that I would get a pay for delete. The debt has been settled a year now. I was given a notarized satisfaction saying debt has been settled in full. Persolve legal group never removed it from my credit as promised and is also saying I still owe {$6000.00} on the debt. I have filed several disputes as well as contacted XXXX XXXX several times with no resolve. XXXX was XXXX in the way she treated me. Once the debt was paid she stopped answering calls and e-mails as well. The credit bureaus are advising it is nothing they can do as the persolve is advising I still owe the debt.
11/09/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
I noticed that late payments were showing on my credit reports. By law debt, collection agencies can not report late payments. Please REMOVE all inaccurate information from all 3 credit reports and stop reporting late payments. I never signed a contract with you for payment arrangements. Also, I noticed that my balance keeps increasing each month. Can you send me documentation that you can legally keep increasing the debt you have reporting on my credit report? I also would like a copy of the original documents with my signature and the amount the vehicle was sold for that is deducted from the amount you claim that I owe. If you can not provide me with this information please remove the inaccurate reporting from my credit reports immediately.
04/10/2021	No	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33881	Web
I had car that the dealer change the oil. 3 days later the motor blew up. We replaced the motor same place, 1 day later motor blew again. We gave the car back and tried to work out something over the phone. They put we owe XXXX on a 2009 car, the people that took over added more, now XXXX something is what they have. I am XXXX and a single mom of XXXX. But i am trying really hard to get my family a house. So i called the number on my report, that told me they will work with me but i had to wire them the money that day XXXX. Me sad because i been working hard to save this money for down payment. I went to the bank to wire the money, who refused to do it saying it was a scam and nowhere besides scam asked for it to me wired only and right away.
11/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34142	Web
On XX/XX/2019, and XX/XX/2019, I received a letter by mail stating I owed a debt and this was an attempt to collect this debt. The company is Account Resolution Services and I have asked them twice to Validate that this debt belongs to me and a Failure to Validate Letter. On the letter, I received it is stated I owe, {$950.00}. I will be sending a similar letter to the major credit bureaus as well. I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me.
04/30/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30349	Web	Servicemember
XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX is Persolve Legal Group, LLP my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.
11/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32708	Web
On XX/XX/19, after filing a complaint about Account Resolution Services, I learned they are trying to collect a debt that should be issued to my daughters father. Im not married or never was married to her father. We do not live together. My daughters father XXXX XXXX, received all the bills, signed financial responsibility for this debt. The bills went to his home address, and he did not pay them. Account Resolution Services put this debt on my credit report not XXXX XXXX credit report. I was never given the opportunity to resolve this and now they are not reporting accurate information. The debt is for XXXX XXXX. I did not sign financial responsibility for this debt, this was not on my insurance. Why is this not on his credit report???!!
08/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33196	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31088	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
12/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I now have an attorney looking into a debt collection on my credit report. I was notified by my attorney and the Texas Secretary of State that Persolve Legal Group does not have the legal right to collect a debt or charge a finance charge in the state of Texas. I noticed Persovle Legal Group has been reporting negatively on my credit report. I do not have a contract with you. I also, found out I have a lawsuit against me. Again Persolve Legal Group does not have a legal right to file a lawsuit in the state of Texas for debt collection. I do have documentation that Persolve Legal Group did not have a bond to legally collect a debt during the time you bought the debt, filed it on my credit reports, and filed a lawsuit.
06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 91744	Web
In 2020 during Covid I was working with A debt consolidation company named " XXXX '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with XXXX and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX Bank. In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.
04/17/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91344	Web
I was notified by a collection account XXXX XXXX XXXX by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.
10/05/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OH 44120	Web
This debt collection agency on XX/XX/21 explained that they did extensive research in theyre data base, so I could providing true validity of this debt and couldnt come up with anything stating that I owe persolve or account resolution. Instead of taking it off completely from there theyve continued to make huge impacts on my credit by increasing the supposed debt every 7-10 day by + {$65.00}. Everytime I call they put me on hold and continue to say Im not in there system .Theyve responded to the FTC Credit bureaus by taking the regular persolve name off .Then just replacing with a one of there new names similar to the original, or blatantly taking the name off and putting it back on the the same day.
05/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
On XXXX Presolve collections placed a collection on my XXXX credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. Presolve Collections has failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, Presolve Collections has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33063	Web
XXXX XXXX I mailed a certified dispute letter to PERSOLVE LEGAL GROUP and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX on XXXX they also have over XXXX complaints with the CFPB. The PERSOLVE LEGAL GROUP failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33063	Web
XXXX XXXX I mailed a certified dispute letter to PERSOLVE LEGAL GROUP and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX on XXXX they also have over XXXX complaints with the CFPB. The PERSOLVE LEGAL GROUP failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 350XX	Web
Account Resolution is in violation of the debtor 's act. They're reporting fraudulent accounts on my credit reports with all three credit agencies. I have ask them to delete this collection item off of my report and they refuse to do so. The claim they have spoken with me and verified that this belong to me. I don't know anything about this. I do not have a bill with them or any other company. The amount they're saying is {$2900.00} that I owe them is fraudulent. On one report they're Account Resolution and on the other report they're Persolve , LLC. Companies like this should not be allowed to get away with this kind of scam behavior.
02/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08105	Web
In XXXX XXXX I was billed by the XXXX XXXX XXXX XXXX New Jersey. i was charged and contacted for the amount of {$680.00} collection has contacted and informed me of my billing this charge also shows on my credit report. I am contacting you to rectify this billing issue in hopes they are paid and I am not billed which then will ultimately be removed from my credit history. I was billed by XXXXXXXX XXXX XXXX XXXX by XXXX XXXX XXXX for the amount of {$460.00} which also was sent to collection. the date of service was XX/XX/2020 please help me rectify these two amounts in hopes I could have these two concerns removed from my report
04/08/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34743	Web
I sent documentation and letter stating the amount owed on this account and was told I was owed {$76.00} for Acct # XXXX. I sent a letter on XX/XX/2021 and XX/XX/2021 to this debt collector request a dispute and documentation that I have signed to prove that i owe this debt. They stated that they had proof that i signed the documentation but never provided with a sign documentation that i owed that debt. I requested proof of the authenticity of this account. They stated that they were debt collector and had proof. In addition, I sent a HIPPA letter and stated numerous times for proof of debt from the original debt collector.
04/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92220	Web
XX/XX/XXXX Persolve legal group counsel stated that I was not entitled to documents ( to verify debt and determine if the take it or leave it offer made was truly fair and reasonable ) XX/XX/XXXX Persolve legal group collections manager makes a take it or leave it offer ; in the condition that state bar complaint be withdrawn XX/XX/XXXX Sent Amended Notice to Produce ; to date Persolve legal group has failed to comply. multiple good faith efforts have been made, to date the only attempt Persolve legal group has made to resolve this matter is a take it or leave it offer. I am asking for your help to resolve this matter.
07/23/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32208	Web
My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every XXXX weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I inquired about a debt reporting on my credit report. I have reached out asking for documents stating the debt I owe. I have not been provided any documentation. Instead I was given a copy of an affidavit stating Persolve Legal Group purchase debts from XXXX. I am requesting again a copy of the debts that you say I owe, a copy of the contract with my name & signature, and a copy of a 1099c if applicable. You are reporting false information on my credit report which is damaging my credit report. Also, you are reporting late payments for a debt I do not owe you. Please provide the agreement I made with you.
10/07/2023	No	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33618	Web
I have a collection account on XXXX credit report from a collection agency named Persolve Legal Group, account number XXXX. Please be advised that I am disputing these collections due to Persolve Legal Group at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX does not currently have a valid license in my state of Florida to collect on debts. Per the Florida Office of Financial Regulation, their license is currently expired. I request you investigate this matter and delete this account from my credit file immediately or provide me with physical proof they are licensed to collect debts in Florida.
01/20/2020	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 91950	Web
* XX/XX/XXXX. A levy was placed on my bank account. Account wiped clean * called debt collector provided by bank personnel, told debt collector this was not my debt and I mistakenly gave the debt collector my information to them ( it was the only way for them to talk to me ). * since then I have been receiving phones calls, court papers trying to collect a debt that is not mine. * debt collector has been called to try and dispute but they refuse to talk, unless they are receiving a payment. * XX/XX/XXXX another levy had been placed on my new bank account and the phone calls keep coming.
12/22/2017	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92037	Web	Older American
ear Sirs/Madams On the XXXX of this present month I received a note from the XXXX with a levy in my over drafted savings account, forXXXXXXXX I am retired and receive SS benefits {$800.00} x month, I am XXXX years old I had have filed for bankruptcy I had been living under XXXX stamps I had been received Medical benefits I am living in the poverty level I received this ; XXXX : XXXXXXXX XXXX XXXX XXXX & XXXX I have not idea what is all about, I do not owe anything, that is my understanding I am afraid and do n't know what to do, please I need help, thank you for your time XXXX XXXX
01/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77545	Web
There is an account with XXXX XXXX XXXX reporting an inaccurate collection account on my credit reports. I am not familiar with this account and have reached out to them to get validation of debt to resolve this issue. It has been more than 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting documentation regarding this account or for the account to be deleted from my reports now as they are in violation of the consumer laws.
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75025	Web
You are in direct violation of the fair credit reporting act many accounts have violated several of My rights. 15 u.s.c1681 sec 602 a.clearly states I have rights to privacy. 15 u.s.c 1681section 604 a section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 16668 : a creditor may not treata payment on credit plan as lat for any purpose. Remove these late payments and update these accounts immediately as u are in direct violation of several laws under the fair credit reporting act.
06/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92595	Web
PERSOLVE LLC, SENT A LETTER ON XXXX THE XXXX ABOUT AN INCREASE IN INTEREST FOR A DEBT THAT I WAS SUED FOR AND HAD NO IDEA ABOUT. I SENT A COMPLAINT TO THE ATTORNEY GENERAL 'S OFFICE AND THEN ON XX/XX/XXXX, I RECEIVE A LETTER FROM THE XXXX XXXX DEPARTMENT GIVING ME 20 DAYS TO RESPOND TO AN ACCOUNT XXXXI AM IN AWE AT THIS ENTIRE SITUATION BECAUSE I DON'T KNOW WHO PERSOLVE LLC IS OR WHAT DEBT I HAD THAT THEY BOUGHT. I AM HOWEVER, GOING TO SEND A CERTIFIED LETTER TODAY ASKING FOR INFO ABOUT SUCH AN ACCOUNT THAT I OWE XXXX XXXX DOLLARS FOR.
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33625	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
03/03/2022	Yes	Debt collection Auto debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MS 397XX	Web
XXXX called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX She stated that XXXX XXXX XXXX has been sold. I did not give XXXX permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at XXXX if i wanted my information I would have to buy it back from persovle legal which I found rude as well as her attitude. All Im asking is that they settle this mess with persolve legal. I just this collection gone off my credit not in a negative way
09/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33830	Web
Original debt was with XXXX which was in XXXX XXXX new debt collector purchased the debt in XX/XX/2019 and hasnt sent me a contract I have with the new debt collector with my signed signature validating my debt I have with the new debt collector. Ive been asking for proof for about 2 years now and all they can send me is a contract I have with the original creditor. The debt owed was {$9600.00} and the new debt collector is adding interest fees and late payments when Im not even aware of this debt with them.
11/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94124	Web
Since XXXX/XXXX/2017, Persolve has been hassling my work phone and mobile phone with daily calls saying that they are a debt collector and I have a debt to settle. The message wants me to call the number provide XXXX. I refuse to call the number provided as they will request for sensitive information that I will not give over the phone to an unknown company. I do not have any overdue debt that has been sent to the collectors. I have my credit frozen therefore would get notified of any suspicious activity.
09/26/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO XXXXX	Web
XX/XX/XXXX ( {$270.00} ) ( {$99.00} ) ( {$100.00} ), XX/XX/XXXX ( {$350.00} ) XX/XX/XXXX ( {$1500.00} ) HIPPA Violation : XXXX XXXX XXXX did not provide me with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX.
03/29/2021	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 323XX	Web
The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are Persolve and Account resolution. XXXX is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.
03/12/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 92532	Web	Servicemember
I received 3 to 4 calls a day from this number. Most of the time, they hang up. When I speak to a person I have explained to them that this debt is from an account I had in 2017. Also I explained this account is part of a program I have with a Debt Management Program through XXXX XXXX XXXX. I told them they are not supposed to be contacting me. They keep calling and when I asked to speak to a supervisor, he threatened me and told me they were going to sue me for this debt.
08/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33880	Web
I have never had a relationship with " XXXXXXXX XXXX '' yet there is an account showing as owed by me and being collected by Persolve Legal Group. I have attempted to speak with both XXXXXXXX XXXX and Persolve to determine where this account came from. XXXX can only tell me that it was " XXXX '', another company I've not heard of. Persolve has told me the debt would be removed as it was part of identity theft, yet to date, the account remains on my credit report.
11/10/2023	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 932XX	Web	Older American
Date : XX/XX/2023 {$14000.00} Received notice in mail of attempt to XXXX bank account. I contacted the company and spoke to XXXX. I asked the following questions : What is this judgement for? He said XXXX XXXX XXXX XXXX XXXX What was the original amount? He did not know How can they get a Judgement without notifying me that I was to appear in court? He said I was served. When and where was I served? He did not know, he said that information is at the court.
07/05/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MD 20653	Web
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX, XXXX XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but crooked auto sales took cash. The Finance charge is suppose to include insurance, but the crooked auto sales made me purchase insurance separately.
11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on PERSOLVE , LLC XXXX Balance {$10000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
The XXXX XXXX mentioned below has generated my credit report without my consent. This agency inquired a hard inquiry from XXXX using my personal information, SSN, Date of Birth. They did not send any notice, and I don't know who they are representing by using my personal information to get my financial background report. PERSOLVE LEGAL GROUP INQUIRY DATE : XX/XX/2021 CONTACT INFO : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX
01/13/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 35810	Web	Servicemember
I was a victim of identity theft on multiple occasions bank accounts emails phone numbers and id were all compromised also involved in XXXX data breach this company is aware the account is fraud but continue to report to XXXX credit report the representative i spoke with the supervisor was very rude and told me they didn't care what i said they weren't going to do anything and demanded payment now phonemail took place on XX/XX/XXXX
01/25/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 604XX	Web
I kept trying to dispute with XXXX, XXXX, XXXX first. I kept receiving debt verified. So I wrote a letter to Persolve Lega group l { account XXXX } and sent it certified mail. Persolve never responded its been 30 days. I did notice it was removed from XXXX within this last week or so. I have the letter I sent them plus a copy of the certified mail receipt. When I look at my XXXX and XXXX I notice different balance amounts owed.
09/23/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web	Servicemember
Persolve , LLC has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.
08/02/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 21740	Web	Servicemember
I have a old debt that was sold to a collection agency apparently. I have been harassed by this company and stopped contact. I submitted a debt validation letter and only received the balance this company is falsely reporting to all credit agencies. There is no validity of when they acquired the account or how they are calculating the amount I owe. I have no record of the repo sale in the document. I do not trust this company.
03/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90712	Web
I never received a letter or bill to my residence regarding this debt. Upon finding it on my credit report I contacted the collection company and requested further documentation to prove my debt via certified mail. It has been a month since I have yet to hear from the collection company. This medical collection is unrecognizable and is invalid due to lack of information. Collection company had failed to provide evidence.
05/02/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NV 89118	Web	Servicemember
My wages are currently being garnished by Persolve LLC because I was sued in a state in which I do not live in. I never received any letters or a chance to dispute the charges against me. I sent a form disputing the charges to the court that this lawsuit was filed because its in a completely different state than where I live now but because of the government shutdown earlier this year I understand they are in a backlog.
11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on PERSOLVE , LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
05/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60431	Web
To whom it may concern I am writing because I have a account on my credit from PERSOLVE acct number XXXX I have disputed this acct it came back verified and I am requesting information to be sent to me on how it was verified if that can not be provided to me i am requesting that this be deleted immediately. 15 U.S. Code 1692g - Validation of debts Failure to send the consumer a written notice of the debt
03/17/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63385	Web
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
03/02/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30314	Web	Servicemember
Persolve Legal Group Partial Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX This company call me in XX/XX/XXXX insisted that I pay the balance or they will put this on my credit report and make my score go down. They said if I want to avoid this just pay them. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - XX/XX/XXXX XXXX : paid in full
04/21/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 75006	Web
I have no debt that is old to XXXX XXXX prior to 2022. Nor did enter into any deal or contract with PERSOLVE LEGAL GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have reached out to them asking for any proof of a contract or debt that they say I have with them. They have provided nothing. They refused to delete this collection off my account. Owe none of them anything.
02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	UT XXXXX	Web
PERSOLVE LEGAL XXXX, pulled my credit report without my permission. I do not know who they are and only knew of this breach because I have credit report warnings due to being involved with two different credit breaches. They have not contacted me by any means, so I do not even know what they are even after. Is it proper for them to pull a credit report before even making a demand?
05/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90220	Web
Thank you for your response. The actual contract original balance is inaccurate. What is being reported as the original balance is reported at {$12000.00} but the actual amount after the disposition is noted as a different amount. This inaccuracy has caused a myriad of additional money in fees and has reported inaccurately. It should be removed based on applicable laws.
03/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90220	Web
Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.
06/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90712	Web	Servicemember
Upon checking my credit today I noticed a derogatory mark from Persolve LLC for the amount of {$3500.00}. I have never received a phone call and or notice via mail/ email regarding this collection. In addition I have no idea what this account is regarding. I have settled all my medical bills and or pas old debt so I am clueless to what this is regarding.
05/28/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92223	Web
I have been attempted to contact Persolve Legal Group attorney who filed a lawsuit against. The collectors on the line refuse to allow me to speak with their legal team and instead state they are the legal team. I have been trying to resolve this matter for months but have received nothing but belittling and threatening phone calls from this company.
11/29/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KS 662XX	Web	Servicemember
Please see attachments. Persolve can not and have not properly validated the alleged debt they are attempting to coerce a payment on. Requesting a forward flow agreement between Persolve and the creditor, the aggregate value of the debt Persolve purchased as an account that allegedly pertains to me and a receipt of the disposition sale of the car.
04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web
I got an email today. From persolve legal group about a debt from XXXX XXXX XXXXXXXX. I do not owe XXXX XXXX XXXXXXXX any money. I have a FTC report and police report my identity been stolen. I request company to send me application so I can file this to police report. I am requesting this case to be dropped and not be put on my credit report
09/01/2017	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 92020	Web
On the morning of X/X/2017, I was informed by my mother via text at XXXX, that a man came to my residence looking for me. He represented himself as a debt collector from Persolve LLC. This seems to be a direct violation of the FDCPA. I attempted to contact this company directly for more information, but was not able to speak to a live person.
07/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77489	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
04/20/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	Web
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
12/27/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 22901	Web
Persolve Legal Group, LL is trying to collect XXXX when clearly all I owed was XXXX. They keep closing and reopening it on my credit report destroying my credit. I shouldn't have to pay all them lawyers fees that keep increasing! There is some messy business! Account number is not provided on credit report as well!
12/27/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 22901	Web
Persolve Legal Group, LL is trying to collect XXXX when clearly all I owed was XXXX. They keep closing and reopening it on my credit report destroying my credit. I shouldn't have to pay all them lawyers fees that keep increasing! There is some messy business! Account number is not provided on credit report as well!
08/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
Persolve has not provided a detailed explanation on the validity of this debt in writing. When I have called to address the matter, i have been transferred to people who only want to set a payment arrangement instead of proving the source of this debt. Additionally, they tried to bring a case but it was dismissed.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32207	Web	Servicemember
I had a settlement with Persolve Legal Group as a collection for a bank which was paid in full as agreed the first week of XXXX of 2022. I have written and called multiple times to get them to update my credit report showing the balance is now {$0.00} but they refuse to update this with the credit bureaus.
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95035	Web
XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95035	Web
XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX XXXX XXXX XXXX is a fraud account which was resloved years ago. XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
01/20/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92555	Web
original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.
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 Problem with personal statement of dispute	CA 93550	Web	Older American
I am in receipt of correspondence from Persolve Legal Group dated XX/XX/2020 regarding debt that I have no knowledge of and does not appear on my credit report. I have responded. I am a senior citizen and they continue to harass me which negatively affects my health.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30331	Web
I have recently been informed that there is negative information reported by Persolve in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022.
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30331	Web
I have recently been informed that there is negative information reported by Persolve in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022
03/25/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32114	Web
I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.
10/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94080	Web
Despite my written request to them, the company has failed to provide me with validation of an account they had reported on my credit report, They have persevered with reporting the account on my credit report in violation of the FDCPA.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60142	Web
The company is in major violation of the following laws : The Fair Debt Practices Act 15 USC 1692g 15 USC 1692e ( 8 ) 15 USC 1681 The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) The Truth in Lending Act 15 USC 1602 ( g )
05/18/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CO XXXXX	Web
The school that I was attending XXXX XXXX in the XXXX XXXX area closed in XXXX XXXX, 2016. I have contacted the XXXX XXXX XXXX and the federal loans. According to the XXXX XXXX XXXX and Federal loans, I do not have any existing loans.
12/29/2020	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 Was not notified of investigation status or results	IL 60628	Web
On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.
08/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE XXXX XXXX plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : XXXX
06/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92509	Web	Servicemember
Today, XXXX XXXX notified me that a collection was on my account from Persolve. This is not my debt more did I receive any notice of a debt from Persolve in writing prior to it being reported to the credit bureaus.
04/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30078	Web
I am not liable for this debt with ( XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE LEG plus they did not provide me with the original application like I asked. Account XXXX Amount Disputed : {$16000.00}
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60431	Web
i have truned in a police report and i have contected the companies for both of theses and truned in the police report please remove this off my credit persolve legal group acct number XXXX and XXXX XXXXXXXX
11/21/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AL 357XX	Web
XXXX XXXX account has a balance of XXXX on my credit file, this debt was paid off on XX/XX/2023 through wage garnishment. The outcome Im looking for is deletion of the debt collections from my credit
06/12/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92782	Web
I 've had so many false debt collectors calling me! Never want to send anything in the mail. Called my phone several times left a message but never stated the persons name they are looking for
01/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31088	Web	Servicemember
XXXX XXXX is showing up multiple accounts in the same month.ive contact the company and they refused to send me proof with identity and signature from me.the account 's do not belong to me
06/21/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 622XX	Web
On credit report Acct XXXX Dept amount {$10000.00} or {$8700.00} address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone # XXXX Unsure what this company is and why this is on my credit report
02/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63129	Web
I have been called by Persolve Legal XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued
09/20/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 91950	Web
Original debt XX/XX/XXXX renewed on XX/XX/XXXX received a superior court notice on XX/XX/XXXX stating the amount of {$4500.00} Received a letter that states I now owe them {$8300.00}
01/01/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 604XX	Web
I did a volunteer repo a few years ago. The company sold the car at a auction and the amount I owed was like XXXX now the creditor is saying I owe XXXX this is not right.
10/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95035	Web
This debt by PERSLOV LLC was idetified as link to Idenity theft 4 years ago all accounts were resloved with the bueuros but this company PERSOLVE LLC has reported it.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44137	Web
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.
10/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91762	Web
I am hounded by Persolve legal debt collector agency XXXX. It's driving me up the XXXX wall. I do NOT have any outstanding debts and need these robocalls to STOP.
04/07/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 44102	Web
I never signed or dealt with Acct Resoltn. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 350XX	Web
The acct is not reporting correct information to my credit file- this is not my acct and this is causing issues with my credit file and score.
09/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 79904	Web
I have attempted to call the debtor to no success to tell them this debt is not mine. Now I need this debt validation for additional records
03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77049	Web
PERSOLVE is claiming that I owe them {$17000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
05/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TX 76123	Web
I got my case XXXX which was held in court and dismissed by the judge on XXXX. Please remove that Debt from my credit report.
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 392XX	Web
Account resolution and persolve removed the account and illegally reinserted without given a proper 5 day reinsertion letter.
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 392XX	Web
Account resolution and persolve removed the account and illegally reinserted without given a proper 5 day reinsertion letter.
04/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web
My information was exposed to the XXXX data breach and got into the wrong hands, remove this fraudulent account immediately
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OK 73013	Web	Servicemember
Experian credit agency continue to report a negative collection account for Persolve Legal Group. That I do not owe.
01/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MO 63114	Web
Vehicle was reported stolen, vehicle was found by police department, and was retrieved by the car dealership
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 770XX	Web
The account should not be on my credit report I have proof from 2019 it was a paid account
06/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75104	Web
Please see attached Cease & Desist that was sent to debt collection company.
08/29/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IN 46226	Web
if the account is charged off how is balance continuously growing?
11/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60431	Web
my information was stolon
02/10/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MO 64151	Web	Servicemember

01/21/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web

01/04/2024	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60467	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77386	Web

12/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78212	Web

12/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85392	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19138	Phone

11/14/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77545	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98033	Web	Servicemember

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33009	Web

10/19/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 93308	Phone

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27526	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30214	Web

08/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95008	Web

07/31/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30180	Phone	Older American

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30291	Web

07/07/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OH 44124	Web

07/05/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32220	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21212	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78626	Web

05/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75418	Web	Servicemember

05/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34205	Web

05/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30054	Phone

05/19/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31705	Web

05/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97504	Web	Older American

05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32607	Web

04/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36608	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32303	Web

03/15/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85364	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30039	Web

03/13/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OH 44105	Web

02/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90815	Web

01/30/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IN 46260	Web

01/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60439	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30043	Web

12/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32608	Web

12/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 35216	Web

12/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77545	Web

11/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75204	Web

11/14/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 78223	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 66221	Web	Servicemember

10/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66221	Web

10/10/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 27295	Web	Servicemember

10/07/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77357	Web

09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77493	Web

08/23/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	OH 43224	Web

08/06/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75024	Web

07/25/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 79904	Web

07/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91401	Phone

07/12/2022	No	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	AL 35214	Web

07/12/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77406	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92376	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92376	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 319XX	Web

06/06/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76179	Web

06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48125	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32257	Web

05/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75240	Web

04/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85730	Web

04/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75024	Web

04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60425	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94111	Web

02/18/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MD 20901	Web

02/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37814	Web

02/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11208	Web

02/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11208	Web

01/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33029	Web

01/11/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 75126	Web

12/10/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33404	Phone

12/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60651	Web

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60426	Web

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75247	Web	Servicemember

10/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90813	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95207	Web

10/18/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

10/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92553	Web	Servicemember

10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38115	Web

10/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92880	Web

10/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60155	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33305	Web

09/27/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	LA 70538	Web

09/08/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75024	Web

08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92553	Web	Servicemember

08/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76704	Web

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

07/25/2021	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	AZ 85286	Web

07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77384	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76092	Web

06/15/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	FL 32608	Web

05/26/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Web

05/24/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33014	Web

05/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75067	Web

05/13/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 15690	Web

05/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

05/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77477	Web

04/22/2021	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75038	Web

04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77092	Web

04/10/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92007	Web	Servicemember

03/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KY 42240	Web

03/15/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AR 72076	Web

03/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33304	Web

03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20653	Web

03/12/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 75038	Web

03/09/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MN 55408	Web	Servicemember

01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75069	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20653	Web

01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78752	Web

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34208	Web

01/12/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77035	Web	Servicemember

12/27/2020	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 Was not notified of investigation status or results	GA 31404	Web

12/20/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85338	Web

11/29/2020	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 Investigation took more than 30 days	GA 30083	Web

09/22/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63010	Web

09/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18466	Web

09/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30080	Web

09/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30080	Web

09/01/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94303	Web

08/04/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 08080	Web

07/18/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35210	Web

07/18/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35210	Web

04/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35401	Fax

04/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 35401	Fax

03/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20745	Web

03/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64052	Web

02/11/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78574	Web

11/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33023	Web

08/30/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 78574	Web

08/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78574	Web

04/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 86336	Web

06/28/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 92545	Postal mail

06/10/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94513	Web	Servicemember

05/10/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	ME 04344	Phone

10/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93424	Referral

08/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93424	Referral

07/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63043	Web

06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93424	Postal mail

05/29/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90029	Web

03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15226	Postal mail

02/28/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33414	Postal mail	Older American

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33134	Web

11/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90505	Web	Older American

02/19/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	CA 92530	Web

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93221	Phone	Older American

11/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90004	Referral

08/03/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 91724	Postal mail

01/17/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 95401	Web

11/06/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92262	Web	Older American

10/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95206	Web

07/15/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	CA 95688	Web

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 92301	Web

05/28/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90278	Web

05/01/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 95822	Web

03/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91387	Web

01/23/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 95126	Web

12/12/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94533	Web	Older American

11/01/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 94116	Web

08/16/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92108	Web