ResidentCollect, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77079	Web
My name is XXXX XXXX and I am a nature person and have researched and file this complaint from my knowledge and facts that are attached. 1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from XXXX, XXXX to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX 2. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 3. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 4 ( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 5. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 6. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 7. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received. 8. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt. 9. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law. The entities have oppressed my financially and harmed my quality of life. I feel worried and depressed when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them. 10. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 11. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
12/13/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75104	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. INNOVATIVE R bal. {$2300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92630	Web
Resident Collect ( aka Innovative Recovery ) reported an overcharge of {$7700.00} alleged apartment " moving out charge '' to the credit bureau without informing me, or validating the " debt ''. They di d not even wait for 30-days before reporting to credit bureau. My old apartment sent my account with unjustified charges to the collection on XXXX XXXX. Immediately, they turned my account to credit bureau in XXXX without notifying me or giving me a chance to dispute. I just found out that the collection record was shown on my credit report in XXXX. Resident Collect practice seemed to be unlawful, violating FCRA act I called ResidentCollect a few times and finally spoke to XXXX XXXX XXXX XXXX who claimed to be my XXXX XXXX. XXXX stated that they, as a collection agency, has no responsibilities to notify me to verify the " debt '', but directly report my " debt '' to credit bureau. They do n't have to wait for any days before reporting. That does not sound lawful at all. When I questioned the legitimacy of their collection practice, XXXX hung up on me. Subsequent calls received no response. I am disputing the move out overcharges of {$7700.00} which was a ripoff and totally unjustified. The thousands dollars of bedbug inspection /pest control expenses XXXX added onto my moving out charge is unlawful, unjustified. I am a victim of the bedbug horrors. Many other units also got infested by bedbugs. Mine was not the only unit. In addition, bedbugs expense incurred nearly one year prior to my moving out. How come it was reported and collected as moving out charge? XXXX was lying when they say that my unit was the ONLY one infested with bedbugs, therefore I should be responsible for bedbug inspection and treatment. The apartment used XXXX as their pest control vendor. XXXX have a total of ~15 bedbug inspections and treatments for the past year, including unit XXXX XXXX/XXXX/XXXX XXXX -- XXXX unit XXXX, unit XXXX XXXX -- XXXX, unit XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX unit XXXX vacant {$2500.00} There was confirmed report the theatre @ XXXX was also got infested with bedbugs. Why my apartment was holding me financially responsible and adding the pest control/treatment expenses onto my moving out chargest? That was a ripoff and totally unjustified. I lived across trash bin room and across the stairway. Unfortunately, my unit got infested. I was a victim of bedbug. I suffered tremendous distresses at the time, mentally financially. Both my health and my job were negatively affected. Once again, I am disputing the move out overcharges of {$7700.00}. In addition, bedbug expenses incurred nearly one year before my moving out, yet they were added as a major part of my moving out cost as you confirmed below? I am disputing the charge. California just passed a new bedbug law. As some landlords are trying on passing bedbug treatment expenses to tenants, bedbug infestations may not getting reported promptly as tenants are afraid to bear the burden of pest control costs ( see my case as a perfect real example ). So bedbugs maynot get treated promptly but instead are getting wider spread. It 's way too common and convenient for a landlord to use this kind of excuses, something like, " You are the only one who got this bedbug or pest issue '' to shame the victims to shut up. Obviously, It is not to tenants ' advantages to fight this type of claim as tenants have no accesses to other tenants information nor current and rental history of any units. I am a highly clean and hygiene person. I never had any pets. I did not even cook as meals were provided by my employer. I never had guests coming over. I even never known what bedbugs were before. I had to XXXX it to learn those tiny insects fest on human bloods. They move around and find their perfect victims/hosts. They can survive for up to half a year without a blood meal. Being an engineer myself, I had attempted to figure out where those bugs were actually from : from neighbors moving in and out, from moving trucks, movers, from vacant apartments, from trash collectors, from common areas, pools, parking, mail room, theaters, trash bin area ( I lived across the trash bin room, lots traffic in going and out of the trash bin room ), traffic on the stairs ( I lived across from the staircase ), club house, gym, or cleaning staff passing by, maintenance staff who came in or out of my unit or from the hall way traffic, even possibly by XXXX XXXX themselves as they travel among different XXXX properties where got bedbugs infested, and could be easily carried by them. In summary, my apartment has no proof that I actually financially responsible for the expense pest control charged to the apartment. XXXX was just dumping those cost to me unlawfully. Stop the collection and remove the fraudulent charges from my account. * i left my apartment spotlessly clean. I am a single working professional with no kids, no pets. I never had any pictures or not a single nail on the wall. I spent 4 days to clean my apartment before moving out * I have never been late on my rent payment, always pay my rent on time. * No any damages in my apartment.
08/04/2020	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	FL 33026	Web
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
08/04/2020	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	FL 33026	Web
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
07/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 752XX	Web
NEVER received proof that debt belongs to me or that I agreed in writing to pay Innovative Recovery ( IR ) for alleged debt. IR reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) /FCRA, I have the right to request immediate validation of the debt IR says I alleged owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to IR. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that I have any legal obligation to pay IR. At this time I will also inform IR that if their offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ) or specialty bureaus, this action does constitute fraud under both federal and state laws. Due to this fact, if any negative items or marks are found or continues to be reported on any of my credit reports by IR or the companies you represent, I will not hesitate in bringing legal action against IR and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put IR in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I require 30 days to investigate this information and during such time all collection activity must cease and desist. All items of collection added to credit bureaus must be removed immediately per federal consumer rights guidelines meant to protect consumer. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If IR fails to respond to this validation request within 3 days from the date of this complaint, all references to this account must be deleted from my credit file and a copy of such deletion request shall be sent to me immediately. CREDITOR/DEBT COLLECTOR DECLARATION pursuant to FDCPA/FCRA laws. Please provide the following ( please note all items must be completed and original forms no copies with original signatures ) : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor and signed agreement that alleged debtor agreed to pay Innovative Recovery ( in its entirety with debtors original signature in writing ). Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number associated with original creditor. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable with contract agreeing to payment signed by alleged debtor and IR Date of original charge off or delinquency from original creditor. Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and IR books Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for IR in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please allow 30 days for processing after me and my attorney receives the requested documentation.
03/17/2022	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76011	Web
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations. Upon a XXXX search, Apartment XXXX does not appear to be any apartment complex in the state of Texas or the region of XXXX XXXX where I reside, have resided and do not see any foreseeable change to me living anywhere else. This is not my debt as this appears to be in another state. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA. Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
10/01/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30084	Web
I had rented an apartment from XXXX XXXX XXXX XXXX about XXXX XXXX, XXXX. After about two months of living there, my next door neighbors began to make loud noises virtually every night and this would go on from around about XXXX XXXX until as late as XXXX XXXX. On three occasions spread out over some months, I went to the management office of the apartment and told them about the noise and each time they said to let them take care of it, or something to that effect. The noise continued and this was not normal noise that a tenant should expect in an apartment. This was a running, jumping, pounding noise and it would shake my floors and also shake me in my bed. There was nothing I could do to not hear the noise. After complaining to the apartment office, I hired an attorney XXXX XXXX XXXX, who advised me of Georgia law as to apartment leases and excessive noise. He wrote a letter to the manager of XXXX XXXX XXXX XXXX and advised that I would be moving out of the apartment because of excessive noise and constructive eviction. He also requested that both parties consider the matter to be settled and that I not be charged any penalties since it is the fault of XXXX XXXX XXXX XXXX for not doing anything about the noise. XXXX XXXX XXXX XXXX did not respond to the letter and would not communicate with me or my attorney about the matter. They claimed that any person who moves out of an apartment before the lease has ended, must pay one month of rent as an early termination fee. In my case that comes to a little over {$1000.00}. My attorney advised me that I should not have to pay such a fee as it is the fault of XXXX XXXX XXXX XXXX that I had to move out of the apartment before the lease had ended. Instead of communicating with me or my attorney and making any effort to resolve the matter, XXXX XXXX XXXX XXXX sent me a letter notifying me that they were keeping my security deposit to pay part of the {$1000.00}. I do not believe that XXXX XXXX XXXX XXXX XXXX has any regard for the law based on their conduct. It is their fault for breaching the contract/lease as they did not ever follow up with me about doing anything about the noise and it states in the lease that residents can not disturb other residents. This is a legal dispute between me and XXXX XXXX XXXX XXXX. It should not be resolved by falsely claiming that I owe them money and making it appear on my credit report as if I just suddenly decided not to pay them their rent. I sent a certified letter to the collection agency " Resident Collect '' and advised them as to why this is not a valid debt. This did not make any difference to them. They also put the collection on my credit report before I ever received any notification from them. Then when I sent my letter to them. They suddenly sent me a collection letter and I called them on the phone. They claim they had sent a previous collection letter in XXXX XXXX however I never received it. The address they had on file for me is correct, so I do not believe them when they claim that they sent a collection letter before reporting the collection on my XXXX credit report. I made a complaint with XXXX and sent it via certified mail. I wrote a separate piece of paper and explained what happened in full detail, in addition to the complaint form and asked to have the collection removed from my credit report. I included documents with my complaint. Within just a few days XXXX sent me a notification by mail dated XXXX XXXX, XXXX that they had completed their investigation of the dispute I submitted. They said that that the collection agency, Resident Collect, had verified it as accurate. That does not surprise me as all they are doing is verifying the same wrongful debt.
06/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76227	Web
In XX/XX/XXXX, myself and XXXX others entered into an apartment lease agreement with XXXX in XXXX, TX. The " inventory and condition form '' completed by us and provided to, and signed by, an official of XXXX states clearly the existence of mold before we even moved in. A copy of this form was provided to ResidentCollect, the agency that claims to currently own the debt, in my dispute directly with them, as well as disputes with XXXX, XXXX, and XXXX. Over the next 4 months after moving into the apartment, signs of considerable water leaks from unknown locations revealed themselves. Significant black mold growth was negatively affecting the health of all tenants, and particularly myself, who suffers from XXXX and XXXX. The issue was repeatedly brought to the attention of XXXX XXXX via phone and letter. We did not receive any response until a certified letter was sent to XXXX XXXX in XX/XX/XXXX notifying them of their requirement to hire a licensed consultant for mold assessment and remediation as required by the Texas Mold Assessment and Remediation Rules ( 25 TAC Sec. 295.301-295.338 ). The TMARR is a state statute requiring a landlord to secure the services of a state licensed mold assessment consultant for performing an inspection and taking samples of the mold for analysis by a state licensed laboratory. Amongst other legal requirements, the analysis must be provided to the tenant before beginning remediation, a work plan must be maintained at the job site, the work must be filed with the Health Department, and the work performed must be maintained, including photographs of the scene. None of the previously mentioned legal requirements were conducted. When I requested a receipt for the mold remediation, the maintenance director for XXXX XXXX refused to provide us with a copy. The company they claimed performed the work, " Floor to Ceiling Restoration '', was not on file with the Health Department at all, much less as a licensed mold assessor. As such, the mold assessment and remediation performed in our apartment unit was not done legally. The Texas Property Code Sec. 92 provides tenants the right to terminate a lease without fear of liability should a landlord fail to properly remediate mold in a reasonable time ( Sec. 92.056 ( d ) defines " reasonable time '' as 7 days ). Later, an additional certified letter was sent to XXXX XXXX again stating their failure to legally remedy the worsening mold issue and that we were executing our right under Texas Property Code Sec. 92 to terminate our lease without fear of liability. As we did not receive a response, we terminated our lease. Due to breach of contract by XXXX XXXX XXXX, the lease agreement has been rendered invalid and unenforceable. An explanation, along with copies of proof, were sent certified to ResidentCollect in XX/XX/XXXX. I received a response claiming that I do, in fact, owe the balance of the lease agreement, despite XXXX XXXX being the one responsible for the breach of contract and me being within my legal right to terminate the lease. A fruitless call was made to ResidentCollect. The agent claimed our apartment lease superseded the Texas Property Code and, therefore, our right to terminate our lease, despite section XXXX of our lease agreement specifically stating our right to terminate in such a situation. ResidentCollect continues to report the account in violation of the Fair Credit Reporting Act to all three major credit bureaus for myself and the other XXXX occupants.
10/27/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 281XX	Web
I was a loyal tenant at XXXX XXXX which later changed their name XXXX XXXX XXXX. My rent was never late and was turned in before the due date frequently. I never had any issues until I had a disagreement with the office manager. One afternoon she began putting tow stickers on all vehicles in the parking lot. A flatbed showed up and began hooking cars up. Once I noticed I checked my vehicle and noticed a tow sticker. i immediately took it off and went to the office to find out what was the reasoning behind this. The office always had two females in the main section who handled the majority of the work. They have a manager who has her own office on the side of them. I only say this because i have never had any interaction with her prior to this day. I entered the office and one of the ladies stated the manager was still riding around the lot applying tow stickers. I located her and asked her why she would attempt to tow my vehicle. She stated that multiple tenants were having their company stay over and they were taking up to many spaces so she was having any vehicles she didn't recognize towed. I was shocked and we began to argue because I knew she had no clue who I even was because she had never seen me before. She was severely unprofessional and we both left the conversation upset and clearly not fans of each other. This incident takes place just a few weeks before I give notice that I am not renewing my lease. I gave the proper information and time of notice and the two females in the office were completely aware. They had me fill out paperwork agreeing to the terms and everything was completely fine. I asked for copies but she stated they don't give copies. I told her I was closing on my house on the XXXX of XXXX and my lease expired the end of XXXX. She stated that they could possibly get a tenant for XXXX and I wouldn't have to pay rent and they could just keep my security deposit. I told her that was great news and we agreed that they could just keep the deposit. After I moved I received a letter stating I owed money all the way through the first week of XXXX. The letter was from the office manager. I immediately called and explained to her the agreement the other ladies in the office told me and that they had paperwork proving the agreement. The office manager laughed and stated the paperwork was misplaced and since she couldn't locate it I would have to pay. We then began to argue again. She then said she would mail me a new letter stating I did not owe anything but she was not giving me my security deposit. I agreed that was fine with me. I never received the letter. Instead she sent a letter stating I owed money for carpet cleaning fees and locks and that I breached my contract for leaving early. She stated that had a fee and that it automatically voided my security deposit. Every time I called her back she would not take my calls and even hung up on me once I stated my name. Approximately one year later I get a collection call. I find it heartbreaking how someone could hold a personal issue or grudge with a tenant and abuse their position just to ruin someone's credit. I am now attempting to get it removed from my credit report but having difficulty. I am frustrated because it is something I truly don't owe and now I might have to pursue it legally which is also expensive.
08/26/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21206	Web
The collection agency innovative recovery has reported an account owing XXXX dollars from original creditor XXXX XXXX. I have been disputing the balance for months with XXXX and XXXX for removal ; which keeps coming back as validated debt. Innovative recovery has reported false information to credit bureaus and they have added additional fees, not expressed in the original contract with the original lender. The original creditor XXXX place provided me with my rental contract and and a resident ledger. When i called the original creditor they stated the balance they reported to Innovative Recovery as XXXX ; and that included all fees that i owed on the debt. They stated XXXX should be all thats on my credit report and nothing more. I asked them was there any additional fees stated in my rental agreement that i had to cover for the balance being sent to collections. They stated, no the only additional fees collected was a XXXX legal which was for the apartment complex ; that was included in my final balance of XXXX. In the ledger they provided you see the legal fee of XXXX $ assessed on XX/XX/2019 and the final balance after a water charge of XXXX was XXXX on XX/XX/2019. Innovative Recovery provided a letter stating that to the best of there knowledge the account balance of XXXX is accurate in owing. They provided me with the rental contract and the ledger from XXXX XXXX. Innovative recovery added please note, the ledger does not reflect any additional fees added to the account as a result of the account being placed with Innovative Recovery, Inc for collections. The ledger showed a final balance of XXXX. In the rental agreement it stated A XXXX $ legal will be assessed on the XXXX of the month if the rent is not paid in full by XXXX. It also states that in the event the resident fails to timely establish gas and electric utility/ services, owner/agent may charge you XXXX per occurrence. No where does it state anything about additional fees for collections are to be paid by resident. Innovated recovery reported a balance different from the original creditors violating 15 U.S. Code 1692e : False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The rental agreement does not state the tenant is responsible for additional fees associated with collections. Innovative recovery stated they added additional fees for collections. Innovative recovery used false information to collect debt. Because of the violation of The Fair Debt Collection Practices Act this account should be removed IMMEDIATELY.
10/27/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30022	Web
Dear Sir/Madame, The purpose of this complaint is to inform you of an Account Manager by the name of XXXX who was extremely rude to me. I reached out to Innovative Recovery Inc. on XX/XX/2020 due to a settlement letter I received in the mail. The letter didn't indicate the settlement amount which I found to be a little odd, so I decided to call to see what was offered to settle account. XXXX stated that she can settle account for {$2500.00}. I offered her {$900.00} which is all I had to settle the account but she was very difficult to talk to. She begin to over talk me and cut me off each time that I mentioned that there is no way I can come up with her offer. I informed her that I do not have that amount and she tells me to call back when I save up then hangs up. There was no opportunity to negotiate at all. She was very insensitive to my situation. I have tried to settle this account last year before it was sent to collections and have been getting the run around from the Property Manager. In addition, I reached out to Corporate and they also gave me the run around as well. Long story short-The apartment was infested with bugs, some bed bugs droppings and mold and XXXX agreed to let me out of the lease. We even exchanged emails prior to my decision and she knew of my child with a XXXX who also has XXXX XXXX as well. After, I decided to move out within 2 months of moving there, the manager ceased communication. All of a sudden she was never in the office to speak with to settle account which is not accurate of what she says I owe. There were leasing agent ( s ) and an assistant manager who was aware that the property manager was avoiding my calls because they were frustrated of having to tell me she just left and she knew I had called numerous times. Now that my account is in collections with Innovative Recovery Inc- I have to speak with XXXX who is assigned to my account and she is very unprofessiona l and inconsiderate. I feel as though they are in contact with the apartment complex/corporate which they treat me with the same disrespect as both parties. This is unacceptable and unprofessional. I have tried to reach out to management with Innovative but each time I call they screen my call and begin to play games of going back and fourth. I feel as I'm being bullied and something needs to be done or else I will be forced to take further actions. I didn't ask for this to happen but I should not be disrespected as a second class citizen. I have never been in this situation ever-and I have tried so many times to speak with someone who has compassion and understanding. This is not my fault that the Property Manager avoided me so many times as I have made numerous effort to discuss the issue. This has been extremely stressful. I can't get through to someone who can listen and understand what happened because of the lies of what has been told. It's difficult to even speak with a manager at Innovative Recovery because my calls are screened and they all play games of pretending to be management. I decided to reach out for assistance because this has been a nightmare. P. S. I am not sure if I selected the correct action for this situation. Sincerely, XXXX XXXX
03/09/2021	No	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 75074	Web
I lived in the apartments in XXXX, TX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX number XXXX. I lived in this apartment for two years, and put in several work order request for needed repairs. I can count on one hand the number of times they came to fix a request and that was for a request I put in maybe a year prior to when they actually came to address it and even then still did not fix the issue. I have provided the letter that was sent to the corporate office prior to moving out 1 month before my lease ended. I moved out because the apartment was unlivable and I was never offered a replacement apartment until mine was fixed. I also sent the front office a certified letter advising them that I was going to move out if they did not honor their end of the lease agreement. I went to the office and was talked to very badly and even was threatened to have the police called if I didn't leave the office. My ceiling had water pour through the ceiling fan, the top of the base of the window and through the roof in the corner above my TV. My bed, TV and dresser were ruined. The bathroom had water pour through a vent above the tub that caused black mold to form around the vent. I reported maybe a year prior that my plugs in the living room and guest bedroom couldn't have anything plugged into them or it would smell like a fire was started inside the wall. I just didn't use the plugs in those areas for the time I was there. In the response to my letter sent to corporate, they sent it to the manager who replied and her reply is attached. This lady was very rude and treated people as if she was doing the residents a favor for having such cheep rental amounts. She stated this in so many words to me on the two occasions I went in there to complain. Her words were " Why are you complaining the rent is only {$700.00} dollars ''. I advised here that I did not ask for that price, this was the price listed on the internet and it was something I could afford at the time to make sure my son didn't have to attend a DISD school, We were living in XXXX prior to this move. I have video of of the ceiling leaking and the mold I just need to locate the phone I recorded it on. Mind you this was back in XX/XX/XXXX, I figured they knew they were wrong and would let it go to show they tried to make it right by not placing this on my credit report. I have tried to make sure my credit was in order for this important time in my life, I am trying to become a home owner and am due to close on XX/XX/XXXX if I pay this {$1000.00} to the collection company or have the item removed. This has caused me to get a higher interest rate and possibly mortgage insurance. Once the video 's are located I will upload them. I also included my attorney on the letters after having to pay her a {$1000.00} retainer fee, that I borrowed from my brother along with the funds to move unexpectedly. This company is practicing slum lord tactics and need to be stopped before this happens to some one else. I also intend on filing a law suit after I close to also show them that I do not appreciate the way me and my son were treated during this time.
10/17/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77320	Web
After several attempts, I never received proof that debt belongs to me or that I agreed in writing to pay Innovative Recovery for alleged debt. I am unable to verify even the name of this company. Innovative Recovery reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) /FCRA, I have the right to request immediate validation of the debt Innovative Recovery says I allegedly owe. I am requesting proof that those named in the account are indeed the parties you are asking to pay this debt, and there is some contractual obligation that is binding them to pay this debt. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that any persons named on this account have any legal obligation to pay. For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The current balance. Any fees added by your agency. My original signature on the application from the creditor - my original signature on an application with your office consenting to any service.I will also inform Innovative Recovery that if their offices have or continue to report invalidated information to any of the three major credit bureaus or specialty bureaus, this action does constitute fraud under both federal and state laws. Due to this fact, if any negative items or marks are found or continues to be reported on any of the named credit reports by Innovative Recovery or the companies you represent, I will not hesitate in bringing legal action against Innovative Recovery and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put Innovative Recovery in serious legal trouble with the FTC and other state or federal agencies.Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and Innovative Recovery books. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Innovative Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me.
05/22/2017	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 75231	Web
Resident Collect ( XXXX ) is a credit reporting agency that was sent a debt of {$6400.00} ( all XXXX credit bureaus ) for me from an apartment that I leased and do to some XXXX XXXX XXXX issue I allowed myself to be evicted to get away from the person that was making my life crazy, I also had an eviction amount ( judgment on my credit report ) for the amount of {$1100.00}, so in a since this amount was being reported twice, since its makes of part of the XXXX , plus relating fees, and inflation fees. I contacted resident to pay the XXXX , and get the judgment removed in XXXX . But they could not take that partial payment and so I went to the apartment complex and XXXX XXXX XXXX XXXX ( XXXX ) XXXX and XXXX worked with me and took the XXXX payment and went to the courts and got me a release of judgement and I submitted that to the credit bureaus and it was removed and one was updated to satisfied, showing that it had been paid. I was assured by XXXX that there would be an updated amount sent to Resident Collect o n XX/XX/XXXX , wh en I was in her office, she has since never returned my phone call, when I would call, they would act like she wasnt there and when I did get her, she stated she didnt know what to do because no one has every come in to pay a judgment, so it was new to her and she was relaying on her corporate office to send a updated version removing the XXXX from the XXXX amount. I so contacted Resident collect 4 times since then, the first time, they asked me to send them the release of Judgement and they would update it, that was back in XX/XX/XXXX . Then each time I have called afterwards, they advised me they have reached out to the apartment complex, and they have not sent them an update and they would have to send a revision of the debt in order for them to update the credit bureaus. I created a dispute with the credit bureaus to have it updated, but it came back that resident collect is saying the XXXX amount it still valid, only because they cant get an update form the corporate office, which resident collect is saying probably should not have took my payment, but that was the only way i could 've ever resolve the judgment, because that money had paid directly to the apartment complex and maybe should n't have been added to that original amount. Either way, I have contacted the corporate office myself to try and resolve, I was given a local number XXXX and to speak with XXXX and I have left her two messages, with no call back. I also left one this morning. My issue her is simple and I dont understand why they are not willing to do what legal they should be doing and removing the amount of XXXX from the XXXX , I can not even began to negotiate with the collector one balance, because its incorrect. I
12/27/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30033	Web
Innovative Recovery , Inc. continues to pursue collection of a debt they know to be entirely invalid. The claim is on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX ), for a fabricated account ledger. Background : In 2018 XXXX terminated my lease and evicted me from the apartment. It's worth noting that I had never been even 1 day late on any rent payment in 6 years living there. The eviction was part of a group of 30+ evictions of longstanding tenants, immediately following a change in management. This is a matter of public record ( XXXX XXXX magistrate court ). At the eviction hearing, they and I signed a consent agreement sating that " Tenant agrees to vacate the property on or beforeXX/XX/2018 at XXXX XXXX XXXX Plaintiff dismisses its monetary claim. '' I vacated by the agreed-upon date and left the keys in the apartment ( they did not have a drop-box ). I have photos and a moving receipt to corroborate that the apartment was in-fact left vacant ( and clean ) on the required date. Despite my move out as agreed, they decided to file a collection for all rents due through the original lease end date, plus late fees, utilities, and interest totaling {$8500.00}. The lease itself states that " In lieu of liability for the remainder of the lease term for breach of the lease... Management shall be entitled to recover liquidated damages from Resident in the amount of {$1100.00} as the estimated rent that will come due after management obtains possession of the apartment through either the end of the lease term or the re-letting of the apartment to another resident. '' And, that {$1100.00} ( equal to a single month 's rent ) was dismissed by the court order. No balance is due on this account. I have repeatedly sent all of the documentation and supporting information to Innovative Recovery and requested that they send me a written notice that the claim has been dismissed and the account closed. Instead, they entirely ignore my requests, and continue to send me statements demanding payment of the false debt. Calling them is of no help, as their representatives only ask how I will pay them, and hang up on me as soon as I tell them the debt is invalid and won't be paid. They have previously reported this false debt to my credit report, causing damage to my credit, resulting in declined credit, and costing me higher interest rates and therefor significant expense. They have since removed it from my credit reports, with no trace of it having been there ( though I have the prior reports showing it ), after I informed them I intended legal action for their violation of the FCRA. The fact that they removed it seems to indicate that they are aware it is invalid. Yet, they continue to harass me for payment, in direct violation of the FDCPA.
05/22/2020	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	FL 34983	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violatio n. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77095	Web
I 've been communicating with the XXXX of XXXX manager, XXXX regarding a debt they 've originally noted to be XXXX and I challenged the amount. They then reduced it to XXXX and I challenged that amount as well. I never owed any of these amounts, and they 've since re-aged the debt and are submitting XXXX debts to the bureaus. XXXX of the debts are listed under the Apartment XXXX and the other under Resident Collect. The manager at apartment gave me the number to XXXX XXXX at the Collection agency who she had spoken to that very day regarding my file and suggested I speak to her myself. XXXX XXXX was extremely rude to me. She cut me off before i finished my concern. She said she would transfer me to someone else and when i told her that i preferred speaking to her because she was familiar with my case, she told me since i didnt want to write down the number, she would just transfer me and hung up. When I attempted to reach her several times after that on the same day, she transferred call to another area. When they picked up I asked for XXXX XXXX 's supervisor and the lady questioned me why I wanted to know that, said she would n't give it to me and hung up. I called again several times and they just kept putting me on hold or transferring the call. I finally left a message for XXXX XXXX and to this day, I 've still not gotten a return call. They were rude, disrespectful, did n't offer me any assistance at all. I am trying to buy a house and it is critical that I get this straightened out as it can possibly cause me to lose my chances of purchasing a home. They never gave me proper documentation that said there were damages I did n't make. I did n't leave the apartment in the state they noted. I am losing something far greater than they are trying to collect. I 'm working extremly hard to get my credit up to standards to purchase a home and have attempted on so many occasions to resolve and to be so close and can not get any assistance or even a return phone call is totally unacceptable. They could care less if I resolve the issue or not. They are reporting me XXXX and its hurting my credit beyond words as the debt reported on both are high numbers. I can not fix anything without any communication with them. My hands are tied and its extremely stressful. The lack of respect totally affected my health to the point where it triggered a XXXX and my XXXX. These are supposed to be professionals. Something should be done with these collection companies that treat you as though you 're nothing and does n't think respect and professionalism is needed.
10/18/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30338	Web
As advised by the CFPB representative, I am filing the repeat complaint as the defaulter company is not responding to the orginal complaint # XXXX. Following is the details of the complaint This complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ). Here is the sequence of events as it happened 1. XX/XX/2018 - collection worth {$160.00} added in my XXXX credit report by this agency for not settling pending dues for apartment rented for XXXX XXXX XXXX. Informed collection agent that, I did not receive any statement and asked for dues statement 2. XX/XX/2018 - Statement received from collection via email 3. XX/XX/2018 - Dispute raised via email. Statement had many discrepancies and invalid amounts. Main discrepancy in the statement is {$90.00} added under the head of " XXXX - Error Charge ''. They have also added additional collection charges on top of original dues. 4. XX/XX/2018 - Sent the dispute by post as no response from agency for email for more than a month 5. XX/XX/2018 - Agency replied that they have done the review and the amount found to be correct and did not provide any clarification on the discrepancies. ( See CollectionAgentDisputeResponse.pdf attached ) 6. XX/XX/2018 - Sent letter to agency and asked to clarify amounts in detail. ( See DisputeLetter.pdf file attached ) 7. XX/XX/2018 - Letter was received by collection agency. ( See the USPSTracking.png attached ) In between, I have reached the original creditor, XXXX XXXX XXXX, for clarification on the discrepancies and got clear reply that the collection agency has the details about the statement. I have made multiple attempts on XX/XX/2018 and XX/XX/2018 to reach the collection agency by phone. They are now applying confusing communication tactics to forcibly collect invalid amount which they are not able to clarify. here is how they respond to the calls : 1. Keeps quiet when asked about the clarification and calls gets automatically disconnected abruptly multiple times. 2. Telling me the dispute is still in review and do not provide ETA when the they have done with their review on XX/XX/2018. 3. Keep my calls on hold and transferring to a person who is not available. 4. Calls up my friend when they have my contact information. I have already informed the collection agency, that I am willing to pay the dues if any once they clarify the discrepancies. But they are intentionally delaying the resolution of dispute which is affecting my credit score and causing mental harassment to me and my friend.
09/23/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76039	Web
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
12/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76105	Web
i have a debt with resident collect that is a valid debt but wrong dollar amount. I have called over phone and they verify the correct amount but they are refusing to send report with the correct balance to XXXX and XXXX. Experian already has it updated because they called Resident Collect and received it verbally. A epresentative of Resident collect by the name of XXXX has been very rude and straight to point by indicating pay the updated amount and we will send info over to say debt is clear however when I ask why they will not send correct amount over he also stated that " he will not give me what I want until I send them what He wants ''. He knows that I am seeking employment and the company only verifies through XXXX. I have a letter from resident collect that I am enclosing that has Acct #, Creditor that appears on all my credit reports but the letter has the updated amount while my credit reports still have the wrong amount. This has been ongoing for XXXX months. I file a dispute with credit bureau and Resident Collect keeps closing it by saying the higher amount is correct. As you can see by the letter from collection company it was updated in XXXX. On XXXX XXXX I filed a dispute with XXXX and they ( Resident Collect ) denied it and then i did one again and it was denied.They are saying that they do not report it to credit agency but the agent clearly told me to pay it and he would update my report. I have asked for Supervisor 's and he advised me he was it. I asked for the email of XXXX XXXX who is President of company and they said they would not release it to me. I even spoke with XXXX XXXX who is the director of company and he said that he ca n't help me. He says it is up to the credit bureau to update and he sees that they have updated the information so if they havent updated report its own them. When the Credit Bureau is called they keep saying it was denied and I was even advised by XXXX that the collection agency can call it in over the appropriate phone # that they have and it will be corrected but again agency is throwing the ball in the Credit Bureau 's direction this was also told to me from XXXX s well about the phone #. I am enclosing the letter from Resident Collect as well as the letter on company letterhead from the Creditor stating the dollar amount has been changed. The debt is one I owe but the amount is incorrect.
02/20/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33782	Web
Innovative Recovery ( " IR '' ) posted an incorrect debt to my credit reporting. I contacted them with their information from credit reporting years ago and learned that it was related to claimed rent for a month post my move-out at XXXX Apartments XXXX I contacted XXXX Apartments and provided them with the email correspondence with the prior property manager confirming my move-out dates and that my account had no amounts outstanding. I never received any communication from XXXX and the first time I became aware of this debt was as a result of a decline in my credit score where IR reported an incorrect debt owed. XXXX told me they could not do anything about it, since they already turned it over to IR and I needed to work with IR. I contacted IR again and provided them with my supporting paper trail via email. They proceeded to call me several times requesting payment and threatening the impact to my credit report. I explained to them several times they have an incorrect/invalid information and provided them with supporting documentation and they've ignored it. I've disputed with all of the credit agencies ( including providing my documentation ) and they've told me that IR has certified in their response that it is valid and therefore since it is certified they need to keep it. This is absolutely ridiculous that simply just saying " valid '' in an electronic response is an acceptable basis for a collections agency to operate. A grave injustice has been done by this Company and my supporting documentation has been ignored and continues to be ignored. I have no history of a single late payment nor any debt collection. I am responsible with my credit, as demonstrated with my long history. This situation has impacted my access to credit and the rates at which I am being provided debt ; and with a collector reporting incorrect information and telling me they will only remove it if I pay something that I do not owe, this is just an unacceptable business practice. This was showing up on the report of my ex as well and they bullied her into paying half, which she needed to get this removed from her report to apply to law school. I am seeking help to remedy this situation. They must be doing this to other consumers as well and this should be investigated and put to a stop. Any help you can provide would be very much appreciated.
10/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
I have noticed a collection charge on my credit report listed by XXXX XXXX apartment complex that is listed to have been reported in XXXX and have been placed on my file in XXXX, XXXX. I have contacted the apartment complex XXXX XXXX XXXX XXXX to verify the charges. The office manager at the XXXX office ( XXXX XXXX XXXX. ) has directed me to a collection agency, Resident Collect and refused further dealing with my complaint. Resident Collect verified the amount but could not find any record of me. They found record of my ex-husband and the above mentioned charge listed entirely under his name. The apartment complex reported the delinquency in XXXX. My XXXX has been final on XXXX XXXX, XXXX. I moved out of the apartment complex in XXXX and did not sign any contract, nor lived together with my XXXX The apartment complex, as proof of the delinquency has provided the collection agency a lease contract signed in XXXX by both me and my XXXX XXXX as a basis of the joint responsibility for the incurred debt which contract terminated in XXXX. The lease term was for less than a year period. The collection agency has agreed that it is very unlikely that a lease term of 6 years even existed at the time when the lease contract was signed ( XXXX ). The lease term had to be renewed every XXXX period. After further investigation the collection agency has found a lease contract on record signed in XXXX ( XXXX XXXX, XXXX ) solely by my XXXX XXXX in the same apartment complex. I have verified in XXXX with the apartment complex that they have incorrect information and no basis to claim I would have anything to do with this debt when XXXX XXXX XXXX has first tried to claim it to be my responsibility, and the apartment complex admitted the error and the claim had been removed from my credit file. This collection charge has not reappeared for 5 years until this XXXX, without any prior notification or contact with me. It is negligent and wrongful business practice on the part of XXXX XXXX XXXX complex to try to collect a debt on me after 5 years that has been proven not to belong to me. I have been advised their actions are illegal, they are breaking the law and to report their action to the Consumer Financial Protection Bureau to prevent them for further wrongdoing.
09/21/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 754XX	Web
There are actually several things that occurred with my situation. I received a debt collection letter from Innovative Recovery , Inc a few days ago stating this is an attempt to collect a debt and that I had 30 days to dispute the validity or any portion. The first issue is that I believe I only received this letter after I disputed the debt on my credit report thru XXXX XXXX. I first started seeing Innovative Recovery on my credit report on XX/XX/2020 and they submitted the debt daily on my credit report but I had never received a letter from them stating the debt had been sent to them for collection. So that was the first issue, how do you start reporting me to the credit bureau prior to contacting me? No letter, no phone calls nothing. So I was surprised to see it show on my credit report. Then that they had it hit my credit daily from XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, the XXXX again, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX which is around the time I filed a dispute with XXXX. So then when I looked at my last statement from XXXX XXXX, the Creditor, my statement was for {$71.00} but the letter from Innovative Recovery shows I owe {$96.00}. So that's another issue. Did I get charged a late fee by the creditor on a move out statement? Well I called Innovative Recovery today and spoke to XXXX. She advised that they have sent letters prior to the current one and they attempted to call me but no response. I advised XXXX that was incorrect because I have never received a letter until a few days ago but then I asked her about the amount due. I advised XXXX that my last statement from the creditor was for {$71.00} but my debt letter was showing {$96.00} owed so where did the additional fee come from. XXXX advised that her company tacked on a {$25.00} fee for their services. Is that legal? I do owe the {$71.00} and I am willing to pay it but I wish the creditor had reached out to remind me of what I owed prior to going to the debt collector who then went straight to sending hits to my credit prior to contacting me then adding their fee to what I owe. Please let me know if I am required to pay the {$25.00} fee added by the debt collector. I feel like they are doing shady practices and it's affecting my credit in the process.
08/19/2021	No	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 76014	Web
Innovate Recovery has been trying to collect a debt from a previous apartment complex. This debt was first dismissed by a justice of the peace judge on XX/XX/2019. After countless attempts of letting them know this, they are still trying to collect on the debt. Even with the information they are sending, the amount is not the correct amount that they are showing from the apartment complex. On my credit report, the amount is {$3200.00} is not the correct amount, but are sending the final bill verification from the apartment complex that is showing {$3200.00}. There is an extra {$50.00} that is not accounted for nor was I made of any additional fees that were going to add to the original amount by this collection agency, which under the Texas Finance Code is a violation as I am asking for them to show that the debt that they have is valid. So that means any additional fees that the collection agency is attempting to collect, which is cited under Texas Finance Code Sec. 392.303 ( a ) ( 2 ) that states " collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. '' Innovate Recovery and I have not entered an agreement nor was I as a consumer made aware of any extra added fees that are trying to be collected on. I have spoken verbally to the company and have asked for them to explain the extra fees and also I have sent written communication, to which they have responded with no information or any agreement that this extra {$50.00} is my legal obligation to pay. They have also verified with all 3 credit bureaus that this debit is accurate, which this debt is not accurate nor should this debt have been referred to collections, as the debt in its entirety was dismissed in a Justice of the peace court in XXXX County Texas. Which Innovate Recovery has been made aware of and it is known, but are still trying to collect and verifying that this debt is accurate.
11/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web	Servicemember
Subject : Dispute of Inaccurate Collection Account Information Dear Sir/Madam, I am writing to dispute the accuracy of the collection account information that has been reported by XXXX XXXX . The details of the account are as follows : Account Name : XXXX XXXX Account Number : XXXX XXXX Reported Date : XX/XX/XXXX Current Balance : {$6100.00} Account Status : Closed Date Opened : XXXX XXXX, XXXX Last Reported : XX/XX/XXXX Payment Status : Collection Monthly Payment : {$0.00} Account Type : Other Past Due : {$0.00} Responsibility : Individual Times 30/60/90 Days Late : 0/0/0 Term Duration Months : 0 I would like to bring to your attention the following inaccuracies in the reported information : 1. The account is listed as " Closed '' on XXXX and XXXX, but it is reported as " Open '' on XXXX. This inconsistency raises concerns about the accuracy and reliability of the information provided. 2. The reported balance of {$6100.00} is incorrect. I have never had any financial dealings with XXXX XXXX, and therefore, I dispute the validity of this debt. 3. The payment history data is not available for payments from more than 2 years ago. This lack of information makes it difficult for me to verify the accuracy of the reported collection account. I request that you investigate these discrepancies and take appropriate action to rectify the inaccuracies in my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and resolution to this matter within 30 days. Please provide me with a written confirmation of the investigation 's progress and the actions taken to correct the inaccuracies. Additionally, I request that you inform me of any changes made to my credit report as a result of this Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and resolve this dispute in a fair and timely manner. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. Sincerely, XXXX XXXX
12/08/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75211	Web
On XX/XX/2021 Innovation recovery collection account was removed from my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
07/19/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77080	Web
I have a debt of {$1600.00}. I called to find out options on settling. They informed me XX/XX/XXXX I could settle for {$1000.00}. After seeking counsel, I was told to call back and speak to a supervisor to try to negotiate payment since I am a XXXX single female who is working hard to improve my quality of life and pay off debt acquired during my XXXX/ XXXX time. I called back XX/XX/XXXX to speak to a supervisor. My agent was incredibly rude and said they would n't transfer me even though I 've requested numerous times to speak with a supervisor. Naturally I called back multiple times to see what other department could help me. The different departments apparently were all the same 3 people, ( did not know that ), so the other agent yelled at me and was so rude. Stated that I was harassing them and they would take further measures if I called back again. He would not listen or answer any of my questions regarding a supervisor or how to make a payment. I have yet to be given any payment details. He stated that he would be getting me and was going to advise that the settlement amount was removed cause of harassment. I want not rude nor did I even yell, let alone did not harass anyone. He yelled, talked over me and would not allow me to speak or ask any questions and eventually hung up on me. Shocked at this treatment I figured maybe he needed to cool off. I called back shortly after to ask how to make a payment and the moment they answered said they were emailing admin to report harassment and hung up. They continually refuse payment and these are the people supposedly collecting payment for debt?? I simply need a reasonable amount to pay as a person recovering from XXXX in a car accident ( not at fault ), XX/XX/XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX in XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and lasting effects. Just need a reasonable abut and how to pay. They refuse to speak to me to accept payment. I will gladly provide my details if needed.
06/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30252	Web
Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt they provided a letter stating the debt is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone the rep could not give me an explanation of what the extra {$50.00} was for. Then he stated well there was an extra charge after we received the collection. I asked what was it for. & he still could not give me an explanation. I said can i have proof of that. HE said sure, I still have not received it as of today. I once again called the company asking to speak w/ the supervisor which is XXXX, I asked to for all documentation on file to be sent to my address. Which i only received a letter saying they are attempting collection on the debt, with no explanation of the charges. This account is ruining my credit. In a previous complaint filed w/ cfpb the collector stated that the collection was for breach of contract of a lease agreement and would settle for {$600.00} but still did not explain the amount in detail of why there was a difference in the amounts that were listed in the requested validation of debt documents. As of today the statues of limitations is 5 years and 10mos. I do not intend to settle this debt until I receive explanation of all charges.
07/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60133	Web
3 years ago I and my mother in law rented the apartment at XXXX XXXX in XXXX, IL. My mother in law 's health deteorated very much that after 2 weeks of living there she had to move and be closer to her doctors and hospitals. Plus she needed a 24 hr caretaker. We notified the office that we have to move and we ca n't afford to pay $ 1500 monthly rent for XXXX bedroom apartment. After 3 weeks of living there we were released of the lease because of a loss of co-resident due to illness. We returned the keys and apartment was checked and everything looked fine. I asked the manager XXXX 5 times to give me in writing that I do n't owe anything and she said do n't worry you do n't need anything in writing you are free to go. After 3 years has passed she send me to a collection for {$2100.00} without any notice. No phone call, no letter nothing. Yesterday I got the first letter from collection agency. She could have told me from the beginning that I will owe this amount, but no she lied to me. I tried contacting her regarding this and she was rude and incosiderate towards me telling me if I call XXXX more time she will report me for harrasement. Kept hanging up the phone on me. So now my credit score is XXXX points down and I ca n't apply for any credit or loan. By the way I found out I owe this by applying for the loan. I did n't know about this until last month when I applied for a loan and they denied me stating that this amount was posted in XXXX of 2016. I need this amount to be taken out of my credit report since is posted there wrongfully. Please help me and my mother in law XXXX XXXX to get cleared of this debt. Please find the attached copy of the lease and on the second page I highlighted the part where it says that we are released from the lease. Thank you so much. Sincerely, XXXX and XXXX XXXX
04/05/2022	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75115	Web
XXXX INNOVATIVE RECOVERY INC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of identity theft reports XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/19/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75038	Web
On XX/XX/XXXX, XXXX I had to call Innovative Recovery back due to the first 5 request not being fulfill. I was again transferred to XXXX. I mentioned that I received and email stating that Innovative Recovery received my complaints from the CFPB. I also mention that I have not received letter regarding my payment history or letter or deletion. XXXX gave an email : XXXX to received the documents. XXXX stated they may or may not fulfill my request. All I'm asking is for a letter a deletion and my payment history to a debt collecting. Why is that request questionable? I have the right to a receipt or some documentation of payment. Please see the original complaint below. Innovative Recovery sent me a bill on behalf of XXXX XXXX for XXXX. When I paid on line I was offered an about of XXXX which was paid on XX/XX/2021. I did not received an receipt via email, text or mail. XX/XX/XXXX I called Innovative Recovery because the my credit still shows Innovative Recovery as open and due for {$16.00}. I spoke with XXXX and transferred to XXXX who both stated my account was close. XX/XX/XXXX I spoke with manager XXXX who rudely stated your account is close, we don't control the credit reports and hung up. I sent a compliant to the XXXX with a picture of the open delinquent account as proof it is not close. I never heard back form Innovative Recovery. The company continues to violate my FCRA rights. When I try to call back on XX/XX/XXXX XXXX stated ma'am we've already discussed this. I advise it have not been resolved. XXXX stated my account says paid and satisfied. Again I ask why are you all reporting that I owe XXXX if this is a record line as the call stated in the beginning please explain the XXXX. XXXX XXXX. I have attempted to call several time today and have been sent to messaging service.
03/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33068	Web
The collection Company Resident Collect Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, Phone XXXX has falsely reported a back rent debt in the amount of {$6700.00} on behalf of my old residential management company XXXX XXXX. I had been a resident for 4 years at XXXX XXXX XXXX without any problems. Due to a job loss, I spoke with my property manager XXXX XXXX about about not being able to afford the cost of continued residency. He assisted me in ending the lease by setting up an intent to vacate agreement. with the agreement my manager stated that, " As long as you vacate the residence by XXXX/XXXX/XXXX, I will have plenty of time to re-rent the apartment. In the event that I do not rent it, you will only be responsible for the amount of time that the apartment was vacant until re-rented. '' I did vacate the premises in accordance with the agreement. On or about XXXX XXXX, I returned to my former residence to pay off the final balance of my water usage fee and check with the Property Manager about the status of re-renting my former apartment unit. To my astonishment, My Manager no longer worked there, and the property was taken over by a new management company named " XXXX XXXX XXXX '' as of XXXX XXXX, XXXX. I asked the new management team about the status of my former apartment. As far as they were concerned, I was told that the apartment was in good condition, and I owe them nothing. I fairness to myself and the former XXXX XXXX management company, I feel that my balance should amount to the number of days that I left the premise, combined with the amount of days up until they owned the property, which was XXXX XXXX, XXXX. My rent was paid for the entire month of XXXX even though I vacated the premise on the XXXX.
12/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75287	Web
This company called Resident collect or resident check, says that I owe them money for an apartmetn I never lived in. They are still on my credit report and this is a four year old debt!! The statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ). I have never paid them, and when I dispute on my credit report, they have never reportieda change as far ast speaking with themthis from XX/XX/XXXXRESIDENT COLLECT INC # XXXX XXXX FWYSUITE XXXX, TX XXXX XXXX XXXX ) XXXX for Collection : XXXX : Individual AccountAccount Type : Open AccountLoan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated : XXXX Payment Made : XXXX Amount : $ XXXX Creditor : APARTMENT XXXX XXXX XXXX ( Rental/Leasing ) Past Due : & gt ; {$1900.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX of XX/XX/XXXXRESIDENTCOLLECT INC XXXX {$1900.00} as XXXX Collection account. {$1900.00} pastdue as of XX/XX/XXXX. In XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX identification XXXX creditorAPARTMENT-XXXX XXXX MonthsOn record untilMay XXXX limit ororiginal amount $ XXXX balance $ XXXX payment $ XXXX payment $ XXXX of XXXX reportedXXXX/XXXXResponsibilityIndividualCommentAccount information disputed by consumer ( Meetsrequirement of the Fair Credit Reporting Act ). Your StatementI HAVE NO KNOWLEDGE OF THIS ACCOUNT. Reinvestigation informationThis item was updated from our processing of yourdispute in XX/XX/XXXX.
10/05/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 294XX	Web	Servicemember
On XXXX XXXX at approximately XXXX, a male representative from Innovative Recovery Inc with a foreign accent decided to use only my birthday to verify it was actually " me '' he was talking to, stating my balance owed, the original balance, and whatever else that was listed on my account, not knowing it was actually my friend who had called to make a payment. After the male representative learned that it was not me who he was talking to, he stated he had to end the call immediately. So basically, this company isn't teaching their employees how to properly verify their consumer 's information. It's obvious that this company is teaching their employees to use only one piece of information to verify the rightful account owner. I have since disputed this account to be deleted for violation of the FCRA. Ever since XXXX, when I first made a payment, I have asked to be sent a copy of my contract with my wet signature upon it, displaying my balance and confirmation of payments. I have also requested proof of their license to collect debt and XXXX stated they don't provide copies of licenses to the consumer. I also asked to be sent an official letter with their letterhead attached, stating they would delete this account if I paid it off. XXXX insisted they only send letters once the balance is paid in full. It is XXXX and I have not received anything yet. This company is a straight scam and I would like a refund of my payments. I am not allowing this violation of my consumer rights and privacy to slip away. Thus company is too focused on receiving payments, they don't care who calls in to actually make the payment. Something needs to be done immediately
10/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN XXXXX	Web
NOTICE THAT UNDER FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) IT IS THE RESPONSIBILITY OF THE DEBT COLLECTOR TO PROPERLY VERIFY THE DEBT. YOU HAVE YET TO DO THAT AND ASSUMED WE OWE IT. UNDER FLORIDA STATUTE 83.595 IT STATES THAT THE LANDLORD HAS ONLY 5 OPTIONS. AND CHARGING ME FOR THE LEASE AND HAVING ANOTHER TENENT ARENT THE OPTION. I WILL NOT VERIFY ANY INFORMATION. IT IS MY SUGGESTION THAT YOU ALL DO A PROPER VERIFICATION WITH THE LANDLORD AND MAKE SURE TO VERIFY WHEN A NEW TENANT SIGNED A LEASE. UNTILL YOU CAN PROVIDE PROPER VERIFICATION YOU WILL REMOVE IT FROM MY CREDIT AND MY WIFES. This debt according to the placement on my credit report was from XXXX XXXX, my wife and I have never received notice. This was just placed on our reports on XXXX XXXX, XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
07/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 49017	Web
Resident Collect, Inc. continues in their attempt to collect a debt that was discharged in a Chapter XXXX bankruptcy in XXXX 2013. They have sent collection notices and have called my cell phone. My attempts to contact them to inform them that they were listed as a creditor in the discharged bankruptcy have been met with accusations of me lying about the bankruptcy ( I tried to provide them with the case number ), hanging up on me and then calling me back a few minutes later and when I answer they hang up on me again. During a phone call to them, I was explaining that this had been discharged and the rep said in a very sarcastic, belittling manner, " Yeah ... ok ... I highly doubt it ''. When I informed him that I was going to call my attorney about this he stated, " You do that if you really even have one ''. I asked them why they were continuing to attempt to collect a debt that was discharged in a bankruptcy, I was told, " Obviously you owe the money and there was no bankruptcy - so sounds like you need to pay up ''. I called my attorney and they verified that RCI was listed as a creditor and that this activity was indeed illegal. She advised me to fax or send them a letter explaining what I have tried already and to include a copy of the discharge. I have tried to contact them to obtain a fax number and as soon as I explain to the rep what I need the fax number for and give them my account number, they hang up on me. I do not want this account updated on my credit report since it was included in the bankruptcy and is not a current debt. I want ALL of their collection activity tactics to cease immediately.
10/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94596	Web
In XXXX of 2019 i sent a request to the company Innovative Recovery to get information on a claim for a debt owed. I sent XXXX certified letter between XXXX and XXXX of 2019. Company failed to send any information regarding this debt. I filled dispute through XXXX, XXXX, and XXXX in which the company still failed to send any verification of debt. In XXXX of 2019 the company sent a letter of the amount owed but still not a single copy of proof of the debt. I contact several companies i may have done business with that might have a debt of this amount owed. In which i failed to receive anything showing this balance. I have contact the company and advised of the legal lays and request that they have failed to meet the federal guidelines regarding debt collection and verification. I have sent over several copies of legal documents requesting to remove this debt from my credit report for failing to prove the debt, for failing to send a copy of any bill relating to this debt. as well as the claims to take legal action against me, i have advised that will out any verification or bill i will not make any sort of payment or payment terms. I have sent 2 follow up letter by certified mail and company has refused to send any communication regarding the debt. While the credit bureaus claim the debt to be real no company will confirm any sort of bill reflecting this value and have continued to destroy my credit over the lasts year. I am contacting a credit attorney again to dispute this debt from Innovative Recovery and failing to follow any and all debt collection guidelines.
04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33572	Web	Servicemember
RESIDENTCOLLECT INC claims I broke lease by not providing " Intent to Vacate Notice '' and that I owe 2 months rent. I have document that proves I gave 30-Day Notice with copy of Military Orders. Document was signed by Property Management personnel on XXXX XXXX 2011. After finding out I was in collection, I called property manager and she agreed to remove account from collection which never happened. Collector did not accept my document and became abusive, used profanity and obscene language and threatened me with legal action. I am very frustrated because now the property management company at XXXX XXXX XXXX is no longer a business and the new property management company can not help me out. I feel that the burden of proof is on me and I have provided a document that shows that the property management office received and verified military orders in support of execution of my military clause and RESIDENTCOLLECT INC is undermining that. I feel this collection agency is abusive and is taking advantage of me as a consumer. I feel the document provided should have been sufficient to remove my account from collections immediately. What needs to be asked is what instrument ( s ) are using to claim I owe anything? You will find my document sufficient evidence to refute their baseless claim. They should be held liable as well for their rude and offensive behavior. Please have them provide any and all phone conversations they have had with me so that you can see how they have violated my rights as a consumer. this account needs to be removed from collections immediately.
05/05/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78212	Web
I received a collections notice in the mail on XXXX XXXX. The date on the letter was XXXX XXXX. The letter stated that unless I asked for validation of the debt, they would assume the debt was valid. I sent a letter on XXXX XXXX asking for validation of the debt. On XXXX XXXX I called the collection agency and explained that the 30 days to get back to me was up and the collection needed to be removed. I spoke to XXXX with XXXX XXXX. He verified with me that he received my request for validation of the debt yet refused to remove the collection even though the legal time frame for validation had expired. I called again on XXXX XXXX to follow up about removing the collection and he refused to speak to me due to him being on speaker phone which he had no way of of knowing. He then disconnected the phone call. I called back and again he refused to speak to me stating that he was on speaker but what he really heard was children in the background. I asked to speak to a supervisor due to the unprofessional like conduct from all calls, he did not transfer me to a supervisor, he sent me to a voicemail. Not only did I want to complain about his behavior, I wanted to follow up on the removal of the collection. Since I was sent to voicemail, I never got an update. I would like this collection removed due to the debt never being validated with me. The time allotted by the Federal Fair Debt Collection Practices Act has now passed. According to that act, after XXXX days with no validation, the collection agency must cease collection efforts and remove negative items.
09/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75217	Web
I disputed this debt with Resident collect inc for {$1200.00} and it was deleted but immediately placed back on my credit report with a different name but the same company and the same address as Resident Collect Inc. It 's reporting in my credit report as Innovative Recovery for {$1200.00} and it 's still the same company as Resident Collect, Inc. I 've disputed this debt repeatedly with them! I 've contacted the original creditor of the debt and they said they have no record of me owing the debt to them! I asked Resident Collect Inc for validatity of the debt and they have n't provided any documents! They put the debt on my credit report twice without giving me the right to dispute the debt or send notice saying that I could dispute it! They are playing games with my credit file and breaking all kinds of FCRA laws! They are not listed with a surety bond in the state of Texas under Innovative Recovery to collect a debt and besides the original creditor which are apartments is saying they do n't have record of me owing the debt. So how are they allowed to continue this illegal practice! I 'm willing to bet that I 'm not the only consumer this is happening to! This is my 3rd attempt to settle this matter, that is why I 'm reporting them to the CFPB to get help with the matter. They made it hard to dispute because there is no record of Innovative Recovery unless you XXXX them and it 's web address is residentcollect.com so the company is resident collect not Innovative Recovery. They are reporting dishonestly.
02/25/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76134	Web
INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k. Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8 ) ( 9 ) ( 10 ) ( 11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692j ( a ) Furnishing deceptive forms to credit reporting agencies.
06/14/2022	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76134	Web
INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c/ 1X2/ ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k . Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8X9 ) ( 10X11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692i ( a ) Furnishing deceptive forms to credit reporting agencies.
06/14/2022	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76134	Web
INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c/ 1X2/ ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k . Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8X9 ) ( 10X11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692i ( a ) Furnishing deceptive forms to credit reporting agencies.
07/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39305	Web	Servicemember
To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
08/29/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33073	Web
I was a resident at XXXX XXXX XXXXXXXX in XXXX, Florida. After many attempts ( months ) to have the gates of the complex closed because of a home invasion in the apartment near me, As a single woman, I no longer felt safe and I gave my notice that I was moving. I paid for a gated community because of safety. For months the gates remained open. Once the shooting occurred, I contacted the property 2-3 times a week. I left my new address for follow up on my deposits. I received the attached and immediately responded in writing that the amount they were trying to collect was not valid and actually made no sense. I requested for them to review the payment information that had been made and provide an actually true account of the amount they were trying to collect. This request is also attached. I never heard back from this company. Then I see that a collection agency is on my credit report. I disputed several times. XXXX XXXX came back as verified. I contacted the collection company and asked why I received no response from the original creditor and once again stated the debt is not valid. I also let them know that what they were doing was against the FCRA. They told me to pay the amount and it would be removed. I don't feel this is right. That debt is not valid. They ignored my request in writing. Now, I need to find an apartment, and I am getting denied based on this false account.
01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
I have contacted Resident Collect and informed them the amount they are reporting is not correct if any balance is owed. I informed Resident Collect that I spoke with Leasing Agent at XXXX and they were not able to verify any balance owed as my name did not show in their database. I also informed Resident Collect that the documents they have sent me are fabricated. In a previous request to Resident Collect requesting they verify the balance and update my credit report. I also informed Resident Collect of payments I made directly to the creditor and thst my deposit was not showong on the paperwork I recrived. Resident Collect then sends me documents that show the deposit amount on lease was {$10.00} with initials that do not match the initials at bottom of page and they also included a document that indicated a deposit in amount of {$510.00} was the deposit amount received from me. On XX/XX/2016 I received the same documents from Resident Collect this time the the amount of deposit on lease shows nothing the initials were gone andthere was nothing listed where the {$10.00} was previous also the line is removed. On the same document previously sent does not show the security deposit but current amount owed but that is all no description. I informed Resident Collect of the falsified documents received but they still did not verify or correct the issue.
09/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92508	Web
In XX/XX/2019 I was notified by my identity protection company that I had a new collections account. This showed up as Innovative Recovery. I had never heard of or done business with this company nor have I ever received any contact from them stating I owed a debt. When I contacted them they claimed this debt was for an apartment at ( XXXX XXXX XXXX ) an address I had not lived in but for an apartment company ( XXXX XXXX XXXX ) that I lived at over 4 years ago. XXXX XXXX XXXX has a completely different address and zip code. XXXX XXXX XXXX also claims I have no debt with them nor have I ever. When I asked Innovative Recovery for verification of debt, they sent a statement with bogus charges for dates I didnt even live at the supposed complex. Again, the address on this statement is an apartment I did not reside in. Next they sent me a bill that looked like a bill a magazine subscription would give you. Complete with a fill out your card information and send it back section. Then this company began calling my cell phone, my parents landline, and my mothers cell phone. They continually try to offer to settle for a lesser amount then they are claiming I owe. I never gave them mine or my parents contact info other than the address to send the verification of debt to. I sent a stop contact letter because this debt is not valid.
09/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75217	Web
I disputed a debt on my credit report with Resident Collection for {$1200.00} with an open date XXXX XXXX, 2014 and it was deleted out of my XXXX credit file because the debt was n't mine well the company quickly put it back on my credit report using a different name but the same address the new name is Innovative Recovery Inc and they placed it in my XXXX credit report without notifying me of rights to dispute the debt before placing it in my credit file! They did n't give me a chance to dispute the debt or notice to dispute. Matter of fact I did n't know of this company until saw it on my credit report. It 's not my debt and they ca n't verify that it is so they are playing games by trying to use 2 different names with the same business address It was deleted from my XXXX credit file because it was n't my debt! I contacted the apartments from where the debt was supposedly originated and they said they have no record of me owning this debt and they fax a letter to verify that I did n't owe them anything at the time! So I do n't know how this collection is claiming I owe and the original creditor is saying I do n't!!! They are violating all kind of FCRA laws with these shenanigans! I want to explore the possibility of a class action lawsuit against them!
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
On XXXX XXXX I was sent a notice of collection from resident collect, Inc. that I owed XXXX from XXXX which I moved out from on XXXX XXXX 2016. A few days prior to this notice, I received several move out statements from XXXX XXXX with misleading charges. On XXXX form I 'm being charged a higher rate for the replacement of carpet and vinyl flooring. While on a XXXX form it list charges to replace the carpet and vinyl flooring at a combined price for much less. I spoke with XXXX concerning these charges and they say it amounts to the same charges which it does not. I was also charges for the replacement of vinyl for the entire flooring in the kitchen although I only cause minor scratches to a portion of the flooring. I was told that the entire flooring must be replaced. Another section of the vinyl flooring was damaged by water due to the negligence of the apartment maintence by not cleaning out the drains for the washer machine connections. Several maitnence calls were placed to correct the drainage issue as well. In total, I have three different total for the same damage and requested a dispute of these charges. Instead, resident collect reported this incorrect debt to the XXXX credit reporting agencies without acknowledging my dispute.
09/09/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33756	Web	Servicemember
I received notification via online that I had a debt collection filled back in XX/XX/XXXX from a previous apartment complex I lived in. The debt was XXXX $ from XXXX XXXX XXXX filled with the company Innovative Recovery. I called the collection agency on XX/XX/XXXX about the debt and they stated my old complex put that I still owed rent even though I left early for the prior month. I sent over emails between me and the property manager as proof that all I was advised to do was turn in keys and he would take care everything. Innovative Recovery never got back to me and when I recently did an application for rent I was denied because of this debt. I reached out to Innovative Recovery and spoke with XXXX around XXXX XXXX in which she stated XXXX XXXX responded that I returned keys on XX/XX/XXXX and owed rent for those days. I have documentation proving I returned keys XX/XX/XXXX and XXXX XXXX with held my security deposit of XXXX $ and also put on my credit report that I still owed them XXXX $ for 12 days of rent. I paid the XXXX $ only because I have to move and unfortunately I cant rent anywhere with a debt of this sort. XXXX XXXX was not truthful about the debt owed, had a false collection reporting on credit and with held my deposit.
01/21/2022	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 Problem with personal statement of dispute	NC 27106	Web
This Item continues to be reported on my credit report. I have written several letters to the Innovation Recovery and the credit bureaus and this inaccurate information remains on my report. I say inaccurate because they can not prove that this account belongs to me. I have asked on several occasions for them to supply me with a breakdown of the amount that they say I owe. I have been battling with this issue since it was reported on my credit report. On XX/XX/2022 I spoke with a supervisor by the name of XXXX who informed me that she was going to email me the breakdown but now it is XXXX XXXX and still I have not received anything. The only thing that they continue to send me is a collection letter, this is not proof of the account. I feel that this account needs to be removed from my report due to inaccurate information and them not complying within the 30 day period. I have attached a copy of the last letter that I wrote and I have proof from the post office of delivery. This item needs to be removed. I would appreciate it greatly if I can get help with this situation after fighting with them for so long. Oh, if they say that the account is mine ask for proof which they can not provide, please dont just take their word for it.
08/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11787	Web	Older American
I am applying for a mortgage and Resident Collect of XX/XX/XXXX, Texas put an item on my credit report that says I owe {$7000.00}. I had disputed this debt years ago, and requested the company give me a breakdown of the alleged debt and they failed to do so at the time. Now, the piece is still on my credit report and I attempted to contact Resident Collect to get a letter clearing me of the debt. When they did not respond to me, I hired an attorney to discuss it with them and they emailed the case was closed to him. However, they did not provide him a letter, and later the same employed tried to email me directly and said I needed to pay {$3600.00} to solve the issue. My lawyer, the credit company my mortgage company uses and I have all tried to get this letter and this issue close, but Resident Collect is unresponsive and uncooperative. I need a letter clearing me of this debt, as the company that originally claimed the debt has dissolved and the statute of limitations for collections has expired in my home state, the state the defunct company is in and the state of the collection agency. The mortgage company will not issue it until I get this cleared up, and we have tried to clear this matter for 4 weeks.
12/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30252	Web
Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt the provided a letter stating the debit is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone nobody could give me an explanation of what the extra {$50.00} was for.This account is ruining my credit and is preventing me from finding a home for my family. The status of limitation for the state of GA is 4 years and this account has exceeded at 5yrs & 4mos
02/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91340	Web
It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my XXXX. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my XXXX. I have filed a police report and have also opened up multiple disputes with XXXX that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to XXXX also. My family of XXXX will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report
05/17/2021	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 336XX	Web	Servicemember
We lived at XXXX XXXX XXXX apartments before they were purchased by XXXX. Upon purchase, they replaced most of the staff, including my wife who had worked there from XXXX to XXXX. We moved out and into the new property she was employed by. Upon moving, my vehicle was struck by their gate and damaged. The property manager XXXX said they would compensate me for the damage, but never did. A few months later, we noticed a collections on our credit reports for over {$2000.00}. We were not provided with any notification of the debt, nor any detailed list of charges. We contacted XXXXXXXX XXXX and they told us it was no longer with them. We tried to obtain an itemized list of the charges, because we did not agree that we owed them. We were not furnished any such list. We disputed the charges and they came back valid with the credit bureaus. We contacted the collection agency to try and resolve this issue, and they were very rude. They refused to remove this unjustified charge from our credit reports for anything less than full payment of moneys we do not believe is rightfully owed. We are now stuck with little to no options other than being fleeced by these XXXX
07/19/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 329XX	Web
My dispute results came back from transunion dated on XXXX XXXX. I received a letter from innovative recovery dated on XXXX XXXX stating that a balanced owed from XX/XX/2014 and i had 30 days to disputed this debt. So following the letter i received. i sent a response with a validation letter, requesting all information about this debt before the 30 day window is up. In response from innovative recovery i received a packet dated on XXXX XXXX. Clearly the packet only included a lease and some invalid paper thats inaccurate with the wrong amount that is not shown on my credit report and the incomplete name of the alleged original creditor.. Nothing was validated in response to the things i asked for in the validation letter i sent to innovative recovery.. And they are violating my consumers rights. Because they continue reporting to the credit agencies, and never validated a debt. Which im the consumer is entitled to ask for validation and they fail to comply with the request. XXXX also recieved copies of the validation letter stating that the debt be removed off of my credit report, because innovative recovery fail to validate my request.
09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10550	Web
I have contacted Resident Collect on several occasions asking for them to present me with a contract that states that I owe them money or that I am legally obligated to pay Resident Collect. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have no such agreement. Once again RESIDENT COLLECT HAS NO AGREEMENT WITH ME STATING THAT I OWE THEM MONEY. They are illegally listing entries on my credit reports. This item must be returned to the original creditor. It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
03/08/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78250	Web	Older American
I was constructively eviction from the XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX, where I had been a resident for sometime, when the management company hired a new manager, XXXX XXXX. This new manager started harassing me by filtering noise, and vibrations through my apartment. I complained to the management office and was told that I had no proof, so nothing was going to be done. I reported it to the police, but the police told me that the manager had to be caught in the act. So there was nothing that the police department could do.The harassment continued and started affecting my health ( increased XXXX XXXX and XXXX from the noise ). I had to move out. The last interview I had with a different manager, I was told that I was released, everything was cleared. After moving out, months later I noticed that my credit XXXX Score had been dinged by a collector on behalf of XXXX XXXX for failure to pay an amount in which I had not received any notice of. This ding on my credit score was a continuation of the harassment I had been receiving when I lived at the apartment.
07/23/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48045	Web	Older American
This company is wrongfully charging college students for monies they do not owe. This company is holding back deposit monies and charging for something that is not owed. they allowed some stranger to stay in there apartment, for free and charged the other students the same amount as if the the XXXX person was not there. Students complained over and over again with no results. Then continue to charge the students and kept their deposit. they are seriously taking advantage of these college students. I signed the lease agreement with my daughter, they have now turned me into collections. We have tried to reach out to these people but they were rude and unresponsive. And I feel that they are in the wrong. should not be allowed to continue to able to take advantage of college students and their families. they never reached out to me to let me know. And than turned me into collections. She moved out in XXXX of 2019. And was told after the her payment arrangement was completed that her deposit would cover the remaining amount of money.
10/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN XXXXX	Web
This debt according to the placement on my credit report was from XX/XX/XXXX, my wife and I have never received notice. This was just placed on our reports on XX/XX/XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
04/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85027	Web
This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit.
04/16/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75231	Web
I never received notification this company was trying to collect a debt from me. I did however, make a {$100.00} payment on XX/XX/XXXX. However, the company apparently only reflects receiving {$50.00} The representative I spoke to on XX/XX/XXXX, named XXXX, is not only hostile and unprofessional, she refuses to give a copy of my payment history, refuses to send any kind of confirmation I made a payment nor will she assist in determining why the full payment on XX/XX/XXXX wasn't posted. I further asked XXXX to validate the debt or supply me with evidence of my payment, to which she replied, " don't tell me how to do my job ''. Aside from the unnecessary hostility, why can't " XXXX '' confirm anything about the account or help with resolving the missing payment? Why can't she send me a copy of my payment history or anything about my account? I made a good faith effort to contact these people and try to resolve the matter and work with them, but they are hateful and apparently, inept.
07/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 770XX	Web
A collection was placed on my account in XX/XX/XXXX from XX/XX/XXXX. When contacted XXXX stated I had a " zero balance '' with them. I lived at XXXX XXXX Apartments managed by XXXX XXXX from XXXX. I am going through a federal background check right now for a potential job. A charged from XXXX XXXX appeared on my credit history from XX/XX/XXXX. I called and they stated that I had a zero balance ledger with them and that they would talk to the collections department and remove the charge. This is concerning that a charge was placed on my account without proper notice and when I had a zero balance. I notified XXXX XXXX properties on XX/XX/XXXX and received a ledger with a zero balance. I am still awaiting a reply as to when they will speak to their collections department to remove this fraudulent charge so I can continue with my federal employment background check. I fear that this charge has affected my job prospects in the past. The collections agency is called Resident Collections.
01/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78753	Web
I received a collection notice from ResidentCollect, Inc., in the amount of of {$380.00} in XXXX of XXXX. I sent a money order in the amount of {$380.00} soon after receiving the letter to pay the debt. In XXXX of XXXX I tried to obtain a mortgage loan from XXXX XXXX and got pre-approved but the collection debt is showing on my credit report, and the bank said the loan is not going to be released until the derogatory mark gets removed from my credit report. That same month a requested a copy of the cashed money order from XXXX XXXX and I received the proof that the money order was cashed 30 days later, and I sent it to ResidentCollect. I called them a couple of days later to follow up on the issue, and they said they did n't receive the proof of payment. I have tried several times to work with ResidentCollect to resolve the issue, but it seems like they are unwilling to do it. I 'm frustrated because they have my money and they are damaging my credit. Someone needs to stop this!
08/10/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44512	Web
I have attached a copy of the letter I mailed off to Innovative Recovery over a month ago. I also have proof that they did receive my letter because it was sent certified mail and required a signature upon delivery. I have not received any response from them about the investigation regarding the alleged debt. They have avoided my CFPB Complaint that was submitted XX/XX/2020 as well as my letter I sent late XX/XX/2020. I feel that they have had much time to respond to either of these mediums, yet they have failed to make any contact whatsoever. They are ignoring my inquiries and I am just trying to get to the bottom of this situation because the alleged debt that is reporting on my consumer report is negatively impacting me, especially during this pandemic. They have not proved the account belongs to me and they have had about 2 months now to reply to me with the results of their investigation, which personally, I believe that they have not even considered to look into.
01/29/2016	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	IN XXXXX	Web
I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court.
11/16/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	TX 77082	Web	Servicemember
Innovative Recovery contacted me about three weeks ago about a supposed debt I owed. Every single person I have spoken to on the phone has been rude and refuses to be helpful. I asked for a detailed itemized receipt of the supposed debt to try and ascertain why I would possibly if at all owe anything to anyone. They sent a letter to my job initiating my boss to ask why a debt collector was coming after me. They constantly call during the day while I am at work. They refused to send me an itemized receipt and the most recent communique I received has the wrong name on it. I do not believe I owe this debt at all since they will not provide me with evidence I do and instead opt to harass me and badger me hoping I will give them money. I've asked them to not call me, they call me. I've asked them to give me an itemized receipt, they refuse. When I talk to anyone on the phone they start yelling at me.
05/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29407	Web
On two attempts I have advised RESIDENT COLLECT that I do not owe any debt to them nor do I have any legal binding contract with this company for any debts. My case was settled and I have provided court records showing that the case was settled with the original creditor.The debt that they are trying to collect is not valid. I do not owe Resident Collect any money and I am not in any agreement with Resident Collect per the FCRA they have a obligation to show and validate such debt. A copy of a lease from the previous creditor ( which whom I settled with ) is not a valid for of validation that I owe Resident Collect any money. This company continues to report on my file and this by law is n't right. I called the original creditor and they have no file for me and are under new management to date. I will not pay a company that I owe no money to and no legal binding contract
10/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28311	Web
Executed a lease with XXXX XXXX through email. Arrival date XXXX/XXXX/2013 see apartment for first time and document/record/film many housing violations. 2010 Maryland Code Public Safety Title 12-Building and Material CODES : Other SAFETY Provisions Subtitles 2- Statewide Building and housing Codes Section 12-203-Minimum Livability Code. Apartment did not meet minimum standards by law. Did not take/move into apartment, immediately informed XXXX XXXX. Found replacement housing XXXX/XXXX/2013. XXXX XXXX XXXX continued to charge my credit card for apartment. I disputed charges and XXXX XXXX Wide hired ResidentCollect Inc ( XXXX ) who called and harassed family for payment of {$1200.00} for rent of apt . not taken. The actions and statements of XXXX XXXX XXXX and ResidentCollect Inc destroyed credit and were used/cited as the reason for family member termination from job.
02/15/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 32796	Web	Servicemember
I sent Innovative Recovery Inc a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. Innovative Recovery Inc has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with XXXX and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. Innovative Recovery Inc was added to my XXXX report in XX/XX/2022 but I received the first letter from Innovative Recovery Inc XX/XX/2022 so that doesn't make sense either. Innovative Recovery Inc and XXXX has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.
12/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10950	Web
After checking my credit report I noticed a derogatory item on my credit report saying that I owed {$1700.00}. I wrote a letter to the collection agency to dispute a derogatory item on my credit report that they reported to the credit bureaus. On XXXX XXXX they received the letter that I sent certified mail .in the letter, I told them that I am not responsible for the debt they are reporting on my credit report, and asked them to stop reporting the debt on my credit report. And to stop all collection attempts of the debt, and I also asked for them to verify the debt if they dont stop reporting the debt on my credit report. It has been more than 30 days and they have not responded to me in any way or not have they deleted the item off my credit report report, or stop attempts to collect the debt. which is a violation of section 611 of the FCRA.
05/06/2022	No	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77064	Web
I called XXXX at XXXX Apartments for the amount of {$2200.00} in debt on my credit. I asked for information on this debt, proof of notice being sent out to me for this debt against the fair housing act and I was told that this was sold over to a 3rd party. After many attempts to speak with someone, disputes this claim through XXXX XXXX I never received a call back from the property. I then received calls from a 3rd party vendor harrasing me to pay the full amount with credit card and it will then fall off my credit in a week. I called the apartment complex to inform them of the call I received and to verify who the account was sold over to and I was told thats not information they can provide. Please remove this off of my credit as my attempts to gather information, settle this disputes has went unrecognized and sold to different agencies.
06/09/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30097	Web	Servicemember
I rented an apartment and went I ended my lease XX/XX/2021, I paid everything that was owed. The company XXXX XXXX then reported my account as Paid. Paid as agreed and Closed in XX/XX/2021. A month later a collection agency reported that I did not pay and refuses to remove from my credit. I spoke with XXXX XXXX and they stated that they did report to the credit bureau that I paid everything and my account was closed in good standing and do not know why it is now in their collection department. The collection department has refused to remove and is demanding that I pay this amount again, actually more than what I already paid until they can figure out what happened and who's account this actually belongs to. They are destroying my credit and I need them to remove it immediately. Collection company is XXXX Innovative Recovery Inc.
07/05/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33436	Web	Servicemember
INNOVATIVE RECOVERY IN This company is reporting a Past Due Amount : {$3500.00} on my credit. XXXX and XXXX have removed the debt as it is not valid. XXXX is reporting it and they say it is valid. I want them to validate the debt and remove from my credit report. They are reporting this debt on behalf of XXXX XXXX XXXX which I left in XX/XX/2018 for roaches infestation. Their contract was supposed to expire on XX/XX/2018 and I told them I will not renew because of roaches. My last payment was for XX/XX/2018. Innovative is reporting twice the month rent for breaking the contract. I have proof of the last month rent which was XX/XX/2018. I do not know how they validate the debt with XXXX. I have written communication and spoken verbally to the landlord. I want this creditor to remove the debt on my report immediately.
07/23/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77045	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Innovative Recovery would verify the debt. So I took it upon myself to ask Innovative Recovery 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/2021. 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.
04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75067	Web	Servicemember
Back in 2012 I live in XXXX XXXX XXXX and I was evicted and they tried to sue me for XXXX and we went to court and the judge awarded them XXXX and told them that are all I owe them. I have tried to pay them this amount and they refuse the payment numerous occasions. They went as far as to tell me that they do n't care what the judge said they want the higher amount. The funny the company Resident Collect says they represent XXXX XXXX and I talked to XXXX and they told me they sold the debt to them and told them about the court case. In the process of dealing with them the woman has been rude yelling and went as to tell me to shut up and hang up in my face at one point. I eventually had to hire a company to stop the harassment and to deal with them and the company said that were met with the same rude behavior.
01/21/2020	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77095	Web
On XX/XX/XXXX I informed property that was a a victim multiple robberies. The property manager at the moment explained that I could move once I have another place to move to. Have email to verify the date and what was stated. I preceded it to look for a place. On XX/XX/XXXX I informed yet again that my property was stolen. At which point I reminded that I am leaving on XX/XX/XXXX. The property at the stated yes verbally and via email that I am not liable for any fees or XXXX rent since I am victim of multiple thefts and that she could not guarantee my safety. I promptly left the property on the XX/XX/XXXX. I have email to verify what was just stated. Additional I also have the police reports for such incidents that the property manager alone with my renters insurance used to verify my situation.
06/04/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32905	Web
I have tried to call this company several times and speak to someone that is willing to listen and help. They have placed on my credit report for XXXX XXXX XXXX at which I have called to try and have the debt verified, the owners are new owners and therefore do not have the ability or can not verify the information. I have asked several times from this collection agency to pass me along to a supervisor and they either argue that there is no other person to speak to or hang up. I would like this rectified for I am trying to buy a home and this is not allowing me to. I am willing to settle for 1/2 but cant get that far in the conversation. They want a full amount and I am not paying that for they cant even properly verify the information. I just want this deleted from my credit reports!
02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78613	Web
I was renting an apartment from a complex called XXXX XXXX XXXX in XXXX, TX. I was required to pay my first and last months rent up front. I gave them my 30 days notice when they gave me my renewal notice on the last month of the contract. Now I have debt collectors calling me saying that I owe the complex {$2600.00} for breaking the lease, even though I did n't break the lease at all. The only reason I put in my 30 days notice to leave at the end of my contract was because of the lack of promised amenities, such as pool and office, and the apartment units not being up to code. ( I.E. black mold, faulty electrical outlets, rotting balconies, sliding doors that would not lock creating security issues, maintenance said there was nothing they could do about, neighbors roof caving in, etc ).
11/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web	Servicemember
XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with Innovative Recovery Inc/ResidentCollect, Inc. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. Innovative Recovery Inc./ResidentCollect, Inc. has reported the account as uncollected to XXXX XXXX XXXX XXXX . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). XXXX has estimated that they may remove the negative data from my report XX/XX/XXXX. I am requesting assistance from your agency with asking XXXX to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.
09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97229	Web
When trying to buy a house XXXX weeks ago, I was declined because I had a negative item reported to the credit bureaus. I called the collection company to try to understand what was going on, and they gave me a printout off charges that I did not recognize. The name of the company is ResidentCollect INC. After many tries to get this resolved with them without success, I called the original creditor. The original creditor, XXXX XXXX XXXX XXXX / XXXX XXXX, could not validate any of the charges that the collection agency was trying to collect. They posted an unverifiable debt in my credit report and this is hurting me a lot. This is against the FCRA. They are not following the law. I even notice that I am paying high insurance rates from a car purchased in XXXX because of this.
03/25/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90732	Web
Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the XXXX XXXX of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection INNOVATIVE RECOVERY is reporting to my credit that I owe a balance of {$2500.00}. I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.
09/30/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91710	Web
I have never received correspondence from the collections company. They have simply continued to place negative marks on my credit report. I have disputed the issue with the credit agencies, however the company continues to submit negative information. I have no documents showing that I have any outstanding debts owed from over 5 years ago. ( Additionally I filed bankruptcy in XXXX, had this company been attempting to collect in a timely manner it would have showed up on my report at that time. ) They state I owe money as a result of moving out of an apartment in XXXX. They didn't even start posting on my credit report until several years later. As far as I know all payments were made and no moneys were owed when I handed in my keys to the apartment complex.
04/13/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76012	Web
I gave a 60 day notice for me to move out for XXXX 2015. I have lived in this apartment for over a year. There was MULTIPLE problems with the apartment. there was live mold in the a/c unit in the bathroom. The location was above the sink in the bathroom. I have pictures while I was living there and moved out as the rust and mold grew from the leaking a/c. The kitchen was infested with roaches. I gave back the keys. The report of the charges that are in collections is not clear. Very BLURY TO READ. I requested a copy 3 times and only received XXXX copy that is blurry. I called there collections agency and it is fraud. One XXXX man answers the phone and does not explain charges only ask to money. I called XX/XX/XXXX 3 times the same person. ITs fraud.
02/09/2021	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91601	Web
I called and reported that the debt was included in a bankruptcy and was not collectible by this collection agency. I volunteerly moved out of the apartment before eviction due to non payment of rent when I filed for bankruptcy. I was in the hospital for an extended period of time and not collecting a paycheck which is why we moved. I sent the bk paperwork and the notice of departure due to inability to pay rent and they refuse to remove the collection. As part of the bankruptcy I moved out and the apartment was closing my file without just the deposit fee and they were not going to charge lawyer fees they just closed my account and balances it to zero. So there should not be a collection at all from the company or the original creditor.
06/29/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
I found on my credit report this XXXX, a debt in the amount of {$2300.00} from Innovative Recovery. This is prohibiting me from obtaining a dwelling place. The debt is for XXXX XXXX XXXX, a company that was sold years ago, no longer exists, and is under new ownership. I have sent certified letters. I have called. I have sent paperwork, to Innovative Recovery as proof debt was paid to the Court over 7 years ago. They won't sign for the certified letters I send. And they respond rudely to me on the phone. I have had it removed from all Credit Reports with no problem, sending them the same info I sent to the Collection agency. But, they Continue to try to collect by mail and phone with very threatening words and intimidating tactics.
03/27/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77038	Web
On XX/XX/2020 I wrote to Innovative Recovery about a debt that claimed I owe, which I requested validation. Innovative responded with a partial lease agreement although the supposedly final balance statement shows an amount of {$1200.00} owed for " insufficient notice charge '' in addition to {$510.00} reletting fee. I then contacted Innovative again requesting to see the full and complete lease agreement, particularly the part showing the part about me agreeing to be charged {$1200.00} insufficient notice charge. Instead of providing me with adequate evidence of this charge, Innovative sent me the EXACT same response as before. Without a full and complete lease agreement, I have reason to believe this amount has been inflated.
12/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76018	Web
Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX
10/10/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 33810	Web
Received a notice from Innovative Recovery Inc stating they were trying to collect a debit from my previous landlord. Landlord took us to court for a false eviction as lease was up in XXXX XXXX. Left the property two days before lease completion. Court case was dismissed. I sent a Debit Validation Letter to the address provided by Innovative Recovery Inc, XX/XX/XXXX. Never received any written validation from the company in regards to the debit they are trying to collect. Company is stating they sent notices on XX/XX/XXXX and XX/XX/XXXX but no written notices have been received since XXXX, XXXX. I had to call the company on XX/XX/XXXX to asks for an email to send the court order showing case had been dismissed.
11/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07108	Web
I have a collection with Innovative Recovery ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. Since XX/XX/XXXX, I have been trying to get Innovative to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ). I demand that this item be removed from my file due to a clear violation of Innovative with regard to following the FCRA guidelines.
03/11/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95138	Web
I have contacted the collection agency to inform them that the account they have reported to the credit bureaus is inaccurate and erroneous. They reported this alleged debt to the credit bureaus in XXXX of XXXX. I just recently learned about this debt in XXXX of XXXX. I have informed them that I do not owe this debt that they allege. I have since filed a Small Claims Suit against the original creditor for this error. I have sent copies of the small claims filing to the collection agency giving them further proof that I do not owe this debt and that the original creditor should never have sent it to collections. The collection agency has continued to report this inaccurate debt with the credit bureaus.
12/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
09/30/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web
I have been disputing this account for some time now with INNOVATIVE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. 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. My letter was delivered on XX/XX/XXXX, and here is the tracking number 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.
03/27/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60647	Web
I have tried to reach out to Innovative Recovery since XXXX. I have mailed documents to settle the account in collections and they have all been returned to me marked vacant address ( see tracking info provided ). I have reached out to them by phone several times and have not received any response. I have disputed this account in collections with all three bureaus and it has been removed successfully from two of them. I have not been able to get it removed from XXXX and I have not been able to reach Innovative Recovery so Im at a standstill and need this off of my credit. XXXX suggested that I file a complaint against the collection agency since they are not cooperating with me whatsoever.
07/21/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 302XX	Web
On XXXX XXXX, 2017 I sent a validation letter to Resident collect inc. to validate an alleged debt which they saw I owe, I do n't agree, so I need validation. 5 days later I received a computer generated bill with what looks like a someone forged my signature. I sent a follow up validation letter and received the same computer generated paperwork. I never did business with Resident collect, I never agreed to pay this company a dime! I want to know why I owe this company {$4200.00}. please have them provide proof of any agreement that grants them authority to say I owe a debt, Resident collection authority to collect on any alleged debt any any judge name that signed off on this alleged debt.
07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30058	Web
I received a phone call from XXXX from XXXX, ext XXXX. He left a vm message stating it was an attempt to collect a debt. I returned phone call. The collector stated that he was collecting a debt from XXXX from 2008 in the amount of {$210.00}. I have never received a letter or anything regarding this debt, and then 7 years later a phone call to collect the debt that 's clearly outside of Georgia Statue. I have not received any documentation, letters or correspondence from the apartment complex and 7 years later. This debt is bogus and I advised him to not call me again. He refused and stated it had to be in writing. Well, I never received a letter to dispute the bill initially ...
02/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44118	Web
This account was sold to the following : Resident Collection XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please see a screen print of my credit file under the XXXX XXXX, The original company is listed as " XXXX XXXX XXXX '' In 2015, I was discharged of a chapter XXXX bankruptcy and this debt was included in that bankruptcy. For almost 3 years now it still shows up on my credit report and continues to make my life XXXX. In addition, I've never done business directly with this debt collection agency before and they have not provided me with any documentation that states this is a valid debt through verifiable documentation ( an agreement that I've signed directly with them ).
12/05/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
XXXX XXXX, XXXX {$3500.00} Apartment XXXX on the XXXX Collections Company : Innovative Recovery In ... ... .. XXXX Misleading information upon move in! I was told by the apartment agents that if I left the apartment, that my deposit of around {$2000.00} would be kept. I told them I would be moving out and not staying the next month. I was never told about an additional penalty when signing the lease on the apartment nor prior to move out. I did not over stay the month that had already been paid and the apartment complex still kept my {$2000.00} deposit. This {$3500.00} charge is ungrounded and was never stated by the agents working in the apartment complex at any point.
06/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19320	Web
I am in the process of applying for a mortgage and i found a collection from Resident Collect on my credit.I am not sure what this debt is for. I disputed it with all XXXX credit bureaus for the past few months as well as sent letters via certified mail to the collection agency asking them for more information on the alleged debt they are reporting. I have sent XXXX letters certified mail to which they have not responded to either dispute at all. Since they have not provided any information about this debt and i have never received any dunning letters from this agency i have no idea what they are reporting on my credit and it has resulted in a denial of a mortgage.
03/25/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94403	Web
XXXX XXXX XXXX ( XXXX XXXX ) claims I owe for damages to a rented apartment that they have failed to prove or gain a judgment for. I have been reported to multiple credit agencies by Innovative Recovery ( IR ). I contacted IR to discuss the debt and IR indicated it did not own the debt, nor had the debt been assigned to it, IR was only a servicing agency. I communicated with XXXX XXXX regarding the alleged debt and they indicated that the debt had been assigned to IR. I do not know who owns the alleged debt nor who I can discuss settlement with. IR continues to assert to credit agencies that the debt is outstanding causing me significant financial damage.
05/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77082	Web
Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # XXXX for these complaints are as follows XXXX, & XXXX.
10/23/2021	No	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30342	Web
We we're never made aware of the debt. It was only when the collection hit that we found out. Once we saw this, we tried to call them to pay the debt and they told us it was too late, that it was in collections, even though we were never given the opportunity to pay. We never received a written notification, phone call, or email. Even though they has access to our phone number & emails and could contact us. This has impacted my credit report as it is my first ever collection and overall negative remark. INNOVATIVE RECOVERY IN Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX {$800.00} Collection opened XX/XX/2021 XXXX
07/18/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
04/28/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75149	Web
I paid a debt to Innovative Recovery in full on XX/XX/21. I disputed this with XXXX on XX/XX/21. The dispute was completed on XX/XX/21 and they are still reporting it as unpaid. I included the reference number, payment date and payment amount in my dispute. Clearly, they did not research this, they just said they " verified '' it. I've since mailed XXXX a copy of my bank statement and the confirmation email, but still no change. The debt also reflects to be unpaid with XXXX. I sent Innovative Recovery a request to update it by mail, but still nothing. I want this taken off of my credit report.
09/01/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 294XX	Web
On XX/XX/2019, Innovative Recovery Inc added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, INNOVATIVE RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 912XX	Web
I have been a victim of identity theft by a person living in the state of Texas. I have always lived in the state of California. I submit a police report, credit made by a person who stole my identity and bank statements showing that I have lived in California. My credit report shows a debt on behalf of the company " Innovation Recovery , Inc. '' for the lease of an apartment in the city of XXXX, TX, during XX/XX/XXXX to XX/XX/XXXX. This contract was signed by a person who stole my identity in this state, the signature and contract information do not correspond to my personal information.
06/22/2023	No	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33168	Web
I am composing this letter to request the deletion and removal of certain accounts and associated information from my consumer report. The accounts and information specified below should not be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to promptly delete and remove these accounts and information from my consumer report, as their continued inclusion is in clear violation of several legal provisions. I insist on their immediate removal!
02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76123	Web
I leased an apartment named XXXX Apartments and i was asked to pay a deposit down of {$500.00} Dollars. An error was made by the leasing office and they wanted me to pay XXXX Dollars for a deposit and went to court and judge ruled in my favor that i did not have to pay an additional deposit. When i moved out the apartment i did not receive my {$500.00} Dollars deposit back and the apartment was left cleaned with no damage. Due to the Manager of the apartment being upset with the judge 's ruling she sent my file over to collection agency and charge me for things she made up.
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32962	Web
I do not owe this company anything, they bought this debt which is a violation of FCRA. They also are reporting an old debt as new EVERY MONTH. This is also a violation of my rights under the FCRA i am entitled to damages causes by this reporting. I would like to see documentation with my signature on it allowing them to acquire this debt. I would also like to see ALL the documentation that pertains to this debt. This debt is being reported as new every month which is a willful violation of my rights under the FCRA, I am entitled to compensation under the FCRA of 1970.
02/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77407	Web
Innovative recovery is reporting a collection on my reports that I am not familiar with. I have reached out to them for validation of debt and documents pertaining to this account. In return I received a copy of a lease and an Itemized statement with a place for a managers signature which was missing. A lease with no signature and missing signature for the XXXX makes this account and debt invalid as they do not have proof of any legal binding documents to validate this debt as valid and hold be liable. I am requesting that this account is deleted from my credit reports.
07/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19320	Web
I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 s-2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded.
04/05/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33028	Web
Innovative recovery has been Re aging my XXXX report this collection account was placed on my credit report XX/XX/XXXX but the date of last activity has been changed year after year. XXXX my credit report XXXX stated XX/XX/XXXX next credit report pulled on XX/XX/XXXX stated XXXX XX/XX/XXXX next credit report pulled XX/XX/XXXX stated XXXX XX/XX/XXXX the next credit report pulled was XX/XX/XXXX shows XXXX XX/XX/XXXX this is illegal. Ive disputed this in year XXXX with negative results just did a recent dispute again in XXXX of XXXX and still negative results.
10/01/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 33810	Web
In XXXX, received a letter stating they were trying to collect a debit from me from a previous landlord who had taken us to court. Judge Dismissed the case, no money was owed. I responded back to collector two days after notice and requested validation of debit and included a copy of the court dismissal. Never heard from the collector. XXXX, I reached out to collector for the information and informed them of the court dismissal & asked for them to validate collection. I emailed the court documents to email given by the rep. No response since then.
03/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20910	Web	Older American
I've explained to the previous debt holder Resident Collect, Inc.. several years ago the debt in question isn't mine ( XXXX XXXX ). Resident Collect continued to send me collection notices. I told them that I never lived in XXXX XXXX XXXX located in North Carolina. I went so far as to file identity theft. Today I received the same bill from Innovative Recovery , Inc. from the same address as Resident Collect for the same amount and for the same creditor XXXX XXXX XXXX XXXX This collection process has been going on for over 7years XX/XX/2011.
03/12/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75232	Web
Ive noticed over the past 4 months Innovation Recovery has made slight changes to the account that they are reporting to XXXX to impact a significant drop in my credit score. In XX/XX/2020, they reported the same dept with their name altered to IR without contact information. After I researched this collecting name and debt, it directed me back to this company ; I called and the agent XXXX said it was nothing that could be done and a member of management was not available. XXXX IR was removed from my report but the damage remained the same.
06/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	GA 30043	Web
I received a letter in the mail from ResidentCollect Inc. for an account that I did not open with them. I have never given Resident Collect my social security number or address. They contacted me via regular class mail with a letter dated on XXXX XXXX, 2015. This was and is their first letter that they 've ever sent to me. In the letter they stated that unless I notify their office within 30 days after receiving this letter, their office will assume the debt is mine and that they will obtain a copy of a judgment and mail me of it.
06/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76210	Web
I left am apartment complex Account # XXXX XXXX XXXX XXXX, TX. Upon leaving i confirmed with the current management that everything was clean and no charges were due back in XX/XX/XXXX. XX/XX/XXXX i received from ResidentCollect, Inc. Collection notice for amount owed {$350.00} I requested documentation that this is my debt. No documentation was given to this day XX/XX/XXXX. This has been on my credit report all these years and i demand this be removed. This is not my debt and no proof that it is has ever been presented.
06/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76006	Web
This company is sending me documentation that is completely made up with no signatures. The document was clearly made up After my move out date with no signatures. The document that was signed by me in the move in date was disregarded since it had so many complaints in it and the new forged document with no signatures and with amounts that are clearly changed over and over being crossed out. Also date being crossed out over and over again. This company is committing fraud by forging documents with no signatures on them.
05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
This is an alleged debt that does not belong to me. This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
11/05/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web
Innovative recovery Inc. Has been reporting to the credit bureau everyday and I have lost over 60 points on my credit. I have a XXXX XXXX card, with XXXX XXXX to alert me when my credit score changes. I called the company to inform them of this and they literally brushed me off. They sent my invoice to an incorrect address, which I did update, but refused to acknowledge the daily reporting to credit bureau. I also tried to set up a payment arrangement, they told me they would continue until the debt was paid
01/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web
Innovative Recovery, Inc. reported on my credit reports a {$340.00} balance allegedly due for a former apartment I lived in and moved out of two years ago. I have never received written notification of this debt and have disputed the collection accounts with one request to validate the debt. All three credit bureaus have failed to remove the debt, citing that they " verified the debt belongs to me ''. I am asking for Innovative to either provide me the written verification or remove the entry.
10/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
11/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
01/08/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77396	Web
I was a victim of identity theft and noticed a collection from RESIDENT COLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENT COLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
11/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76018	Web
I was a victim of identity theft and noticed a collection from RESIDENTCOLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENTCOLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
01/22/2024	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	LA 700XX	Web
They have called me every single day for years and I have told them to stop. I have had to block their calls to get them to stop harassing me, but I can still see that they attempted to call me. Some calls are happening multiple times a day and once again it is every single day. I have told them about the situation about the debt and they still keep harassing me. The debt had occurred in 2017 and I still am getting harassed. The phone number is XXXX
11/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76051	Web
Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on 30th day before legally validating per FDCPA laws.
11/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76051	Web
Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on XXXX day before legally validating per FDCPA laws.
09/25/2022	No	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 761XX	Web
Basically, my old apartment complex is charging me an amount thats a lie! I have a copy of the lease I also spoke to the credit lady and she stated that was the truth the amount isnt right. They credit company tried to give me a new amount to f pay per phone conversation. The companies is no longer there the apartment have re named and complex no longer have documents. I dont know whats next XXXX $ Original Lender XXXX XXXX XXXXXXXX XXXX
04/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that INNOVATIVE RECOVERY INC absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75069	Web
This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it 's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report.
07/13/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	TX 76012	Web
I moved out of XXXX XXXX XXXX because of MOLD and infestation of roaches. I did not break my lease and I left the MOLD in the bathroom and refused to clean up anything. I have evidence with pictures. I contacted them and they refuse to tell me what the {$1100.00} charges are for. They added the same amount to my credit I called them since XXXX and they refuse to work with me and keep adding the account to lower my credit.
08/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30260	Web
Innovated Recovery Inc. have falsely represented there self by trying to collect from me money that is the wrong amount and for the wrong apartment complex. I did attempt to resolve by trying to settle the difference and they declined. I feel that it was wrong that there was no proof of the balance on my credit is correct so I ask to settle at a reduced rate to no avail. Please help me close this matter in a amicably.
08/20/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77088	Web
The lease XXXX XXXX XX/XX/XXXX signed was the name of the account opened. I was added as an extension to get a parking pass for guests. The lease ended in late XXXX between XXXX, and was not eligible for lease renewal. The debt was transferred inaccurately to the wrong XXXX. There was a qualification for the lease I wasnt there for & a background check that I didnt do to open an account with the apartment.
03/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22554	Web
Resident Collection has posted a collection on my credit report in the amount of {$5000.00}. from XXXX. This dispute went before a judge in XXXX and was given a hearing date in mid XXXX. Resident Collection posted this debt in XXXX, prior to the hearing. At the hearing, the judge said I did NOT OWE for back rent. I have tried to contact these people but they keep putting me on hold, then disconnect me.
02/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44118	Web
I filed chapter XXXX bankruptcy and it was discharged in XX/XX/2015. The debt was originally through XXXX XXXX for XXXX XXXX XXXX in XXXX, Ohio. The lease was signed before I filed bankruptcy. The debt was sent to a collection agency. As a result, my credit report reflected this debt that is no longer valid and had made my life horrible. Innovative Recovery is still holding this debt against me.
06/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77598	Web
I initiated a dispute with the credit bureaus in regards to some identity theft. Someone used my information to obtain medical and an apartment. I sent this collection agency my ID Theft affidavit, and ID 's and they wo n't respond. I 'm attaching all of the documents sent and the tracking to prove they received it. Please help. This is affecting my family and my health. Thank you, XXXX XXXX
04/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 750XX	Web
I file this complaint today on Innovative Recovery Inc. On behalf of XXXX XXXX XXXX. I have been denied for certain promotional move in prices on apartments due to a balance being reported that was paid prior to being sent to collections. Despite my efforts to get this removed the collection has remained leaving a negative impact on my credit score that could never completely be repaired.
11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94030	Web
The collection agency ResidentCollect Inc. is continuing to collect a debt that I am on the hook for only as a result of identity theft. I have filed a police report and sent the requested affidavit that the company wanted me to fill out. No action has been taken, and no investigation has been completed. This must be addressed immediately as my credit is still being negatively affected.
12/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28262	Web
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Innovative Recovery acct # XXXX
05/30/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33067	Web
I contact you about the derogatory mark that is appear to my credit report, I tried to contact many time no one can answer the phone so they can give me the reason wry it appear to my credit report. Therefore, I contact CFPB so you guys can help me solve that issue. Here is the number that I contacted them XXXX there are unprofessional. and please I want this matter solve.
03/25/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77018	Web
I am filing complaint because Innovative Recovery IN is contacting me to collect a debt that I have never had with them. I've never had a contract with Innovative Recovery IN nor have I ever had an agreement with them. I have asked them verbally and written to remove me from their call list as well as remove this debt off of my credit report and they fail to do so.
11/29/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 76205	Web
XX/XX/2020 with an amount disclosed of {$3800.00} was shown on my credit report which I did not authorize and nor have I ever leased with this company. Ive reached out the the company and disputed the account is currently still open and has not been removed. Ive talked to the apartment and they provided a letter that states they have no record of me staying there.
01/31/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember
While staying in XXXX XXXX, I paid rent on-time every month. When I moved out at the end of my lease everything was okay. The apartment was inspected and I received my full security deposit back with no issues. After moving, the apartment complex put fraudulent charges onto my credit account for {$550.00}. This is unfair and criminal.
12/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web
Innovative Recovery formally know as Resident Collect has been attempting to collect an unverified debt for over 4 years. This company is n't and has never been licensed to collect debt in the State of Florida. Please have them to stop ALL debt collection effects and remove from their " account '' from my credit report.
01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44145	Web
I was living in the townhouse, when gave month-to-month notice which was approved, then left due to being stalked by unknown person. I filed police report, however apartment complex continues to bill for what they collected from bond for apartment. My minor daughter and myself had to flee the apartment to be safe.
07/31/2020	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75240	Web
The apartments were paid and now a third party collections company is trying to take additional funds. Never was I aware of any additional debt owed. I also never did a contract with this particular company that is now trying to collect on the apartments behalf. Do they have proof of why or how I owe this debt.
12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
Although I do not owe this company and the debt is a result of identity theft, this company is reporting a debt that I do not owe. I've spoken to innovative on several occasions they insist on sending me to other companies. INNOVATIVE RECOVERY INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
12/27/2022	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29406	Web
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/30/2023	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76053	Web
This Case is DISMISSED by COURT dated on XXXX XXXX XXXX by Dismissal the WHOLE Case, that mean The Plaintiff LOSE the case and they don't have any rights to ask me for any charges. and I submitted all PROVE documents that I NEVER notified by this amount neither before nor after the case Dismissal.
08/07/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48093	Web
Innovative Recovery is reporting a debt to my credit files. I have not received any information concerning this and contacted the original creditor. The original creditor informed me they did not have any information regarding this debt and that they do not do business with Innovative Recovery.
04/10/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30005	Web
This is a joint collection account, it does not belong to me, it belongs to my old roomate The collection company is called Innovative Recovery Inc and they opened the account on XX/XX/2020 They claim i owe {$170.00} But i called the original creditor and they said the balance was {$140.00}
03/11/2021	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32714	Web
The person identified themselves as an employee of RCI and spoke to my ex father in law. I dont own any timeshare, but when I called to ask what it was regarding, the employee said : sorry, I called the wrong number, hung up on me, then called my ex husband. The person called from XXXX.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76119	Web
This conpany is alleging i owe a debt and has unlawfully reported to the credit bureaus that i have an account with them. I do not know this company nor have i ever signed a contract and allowed them to report on my credit. These claims are fraudulent and a violation of my rights.
05/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 372XX	Web
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
12/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	GA 30034	Web
I recently had an apartment background check to obtain a unit. When I receive my background check back, the information on there was inaccurate and should not be reported. This has damaged my employment history and rental history in regards to trying to obtain a home.
09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75038	Web
I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help
07/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33155	Web
Resident Collect is adding a collection account to my credit report with XXXX in the amount of {$840.00}. I have been disputing this account for a very long time because this account is not mine. I need them to send me written confirmation that this is my account.
04/03/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76180	Web
innovate recovery removed debt from my credit report in XX/XX/XXXX and placed it back on again in XX/XX/XXXX. That is incorrect and I want it placed off my credit report ASAP. Once a debt is removed it should not be allowed to be placed back on my credit report.
10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94030	Web
My identity was stolen and my signature was forged on multiple occasions to renew a lease on an apartment. This is not my debt, I never authorised the lease to be renewed, and I am not responsible for the repayment of a debt that was a result of identity theft.
08/06/2021	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 76180	Web
collection agency trying to collect on apartment that i did not stay in -The apartment was in my name but I never stayed there-person skipped last month rent for which they are trying to collect -sent letters to previous employer and calls harrassing
07/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33155	Web
Innovative Recovery Inc is reporting a collection account to all 3 credit companies in the amount of {$840.00} this is not my account I have been disputing this account for a long time. I need written confirmation that this is my account. Thanks.
08/25/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91362	Web
Have a court order since XXXX XXXX 2011 Court found it on my favor. Ever since the apartmentd XXXX are putting me on collection for the amount of {$1800.00}. They have not removed it. Even when I have proof and summit to my credit bureau.
05/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
This company is contacting me stating that I owe them money but I dont have a contract with them nor have I ever signed anything or agreed to anything. They are unable to provide proof of debt and or anything viable proof that own them.
08/30/2023	No	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 777XX	Web
XX/XX/2022 {$2300.00} XXXX paid a collection agency called innovative Recovery ( XXXX ) XXXX EXT XXXX XXXX XXXX I went from a XXXX XXXX XXXX to a XXXX XXXX XXXX I now have no credit Asking for that information through this agency
01/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KY 42420	Web
Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R
07/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77494	Web
On XX/XX/2019, I received the debt collection letter for {$780.00}. The creditor is the apartment I have moved out 5 years ago and I have confirmed that I didn't own them any amount when I was moving out that time.
04/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77044	Web
WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP.
10/06/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33897	Web
This company, Innovative Recovery, is reporting false and unverified information in my credit reports. I have never even got ta a single letter from this company and now they report on my credit reports illegally.
06/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77042	Web	Servicemember
I have never done business with Residentcollection inc. I do not have a sign contract with Residentcollection inc. I have the right to demand to see a signed contract between Residentcollection inc. and myself.
05/24/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77055	Web	Servicemember
My identity was stolen and used to purchase an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX during XXXX time. My police report has been filed through XXXX with number XXXX.
02/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 34953	Web
Have made numerous attempts to contact collection agency to resolve my debt. Today is XXXX/XXXX/16 and I was promised a call back 3 weeks ago from the girl that is handling my account.
04/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77077	Web
I SENT A DEBT VALIDATION LETTER TO RESIDENT COLLECT IN XX/XX/XXXX THEY NEVER SENT BACK PROOF OF DEBT, THIS IS VIOLATION OF FCRA, FDCPA, I WANT THIS DELETED FROM MY CREDIT REPORTS NOW.
11/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 711XX	Web
Innovative Recovery Inc keeps trying to collect {$1800.00} on debt that doesnt belong to me. Ive disputed this information a few times a fraud and they wont remove it from my report.
04/24/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	FL 33624	Web
Mutiple dispute letters sent certified as well as the agency XXXX XXXX and no returned mail with valid proof or documents to proof this collection is mine that I requested.
02/02/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33411	Web	Servicemember
Innovative Recovery has opened a false collection action from XX/XX/2015 in the amount of {$2100.00}, this debit is erroneously on my credit report and does not belong to me.
08/30/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 92562	Web	Older American, Servicemember
debt resulted in termination of lease over 2 years ago, ,no info was ever recieved until now ... we moved to a house we settled the acct from the previous apt company
07/07/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77019	Web
The collection account innovative recovery is still on my credit report despite it being paid and removed by the company the account is still appearing on my credit.
01/15/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75010	Web
A written debt validation request was sent to Innovative Recovery Inc and it was received on XX/XX/2020. They have not provided a response back via mail.
07/29/2015	Yes	Credit reporting	Incorrect information on credit report Account status	TX 77077	Web
I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX
01/15/2020	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 Investigation took more than 30 days	TX 752XX	Web
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS
01/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 90650	Web
I never get any letter or staiment about thse bill so I never have a chance to pay balance.becsuse I never know I have.
07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 48317	Web
Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount.
02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11434	Web
contacted this company several times to advised I was a voctim of identity theft
12/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 78744	Web
XX/XX/2023 added negative report to my credit claiming an inflated amount owed.
02/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web	Servicemember
INNOVATIVE RECOVERY HAS HARASSED ME FOR YEARS FOR SOMETHING I DO NOT OWE.
04/19/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75126	Web	Servicemember
Fraudulent information.
01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60450	Web

01/06/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web

01/06/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 75604	Web

12/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30092	Web

12/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76205	Web

11/13/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NC 28273	Phone

10/06/2023	Yes	Debt collection Rental debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75038	Web

09/02/2023	No	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TN 37209	Web	Servicemember

08/31/2023	No	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	NC 28273	Web	Servicemember

08/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32641	Web

08/23/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94531	Web

08/17/2023	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75061	Web

08/16/2023	No	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33175	Web

07/29/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76040	Web

06/30/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75067	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75067	Web

05/24/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ND 58701	Web	Servicemember

05/20/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33055	Web

05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33055	Web

05/09/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web

04/16/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28278	Web	Servicemember

04/12/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33143	Web

04/05/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77019	Web

03/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30114	Web

03/07/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33055	Web

03/06/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70122	Web

03/02/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29803	Web

02/25/2023	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MO 63106	Web

02/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32641	Web

01/29/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77536	Web

01/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33032	Web

01/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76710	Web

01/06/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30909	Web

01/06/2023	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76209	Web

01/06/2023	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76201	Web

01/04/2023	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76022	Web

12/22/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75061	Web

12/18/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77026	Web

12/18/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91913	Web

10/13/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75248	Web

09/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76119	Web

09/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63138	Phone

08/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77303	Web

08/04/2022	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75061	Web

06/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76022	Web

06/17/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77568	Phone

06/17/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48105	Web

06/14/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33073	Web

05/10/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Phone

03/18/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30092	Web

03/09/2022	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	TX 75287	Web

01/15/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32003	Web

01/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19702	Web

11/10/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92677	Phone	Older American

11/09/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75234	Web

10/23/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30342	Web

10/22/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90036	Web

08/16/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29732	Web

08/10/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web

08/03/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77098	Web

08/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33168	Web

07/28/2021	No	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 77449	Web

07/14/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

07/13/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29732	Web

07/06/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75231	Web

07/02/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90036	Web

06/29/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

06/18/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44485	Web

06/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33168	Web

06/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33168	Web

06/10/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30248	Web

06/03/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78247	Web

06/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77008	Web

05/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33168	Web

05/03/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web

04/14/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92675	Web

04/01/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92127	Web

03/31/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90059	Web

03/31/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17601	Web

02/24/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33837	Web

01/30/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78229	Web

01/27/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95134	Web

01/20/2021	No	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92392	Web

01/08/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90014	Web

12/29/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90805	Web

12/26/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web

11/02/2020	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29456	Web

10/29/2020	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02451	Web

09/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29436	Web

09/06/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75044	Web

09/04/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33321	Web

09/04/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Fax

09/01/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Fax

08/02/2020	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 71111	Web

07/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95662	Phone

07/04/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76133	Web

06/20/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44512	Web

06/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

05/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78714	Web

05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Postal mail

04/29/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30062	Web

04/20/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01109	Phone

03/31/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33060	Web

03/12/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77080	Web

02/25/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76006	Web

12/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

10/17/2019	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60115	Web

10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92782	Web

10/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92868	Web

08/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77006	Web

07/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75038	Web	Servicemember

07/18/2019	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 32821	Web

07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78131	Postal mail	Servicemember

07/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45417	Web

05/23/2019	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 71109	Phone

05/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Web

05/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web

03/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94015	Postal mail

03/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75098	Web

01/21/2019	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76106	Web

01/03/2019	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91403	Web

01/02/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77521	Web

12/20/2018	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30223	Web

12/13/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77054	Web

12/03/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91403	Web

11/15/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75080	Web

11/05/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NV 89012	Fax

10/29/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30168	Web

09/27/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77064	Web

09/20/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web

09/12/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

09/02/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30093	Web

07/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29483	Web

04/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48840	Web	Servicemember

04/20/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33156	Web

03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	CA 93906	Web	Servicemember

03/21/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37013	Web

02/27/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IA 52342	Web	Servicemember

02/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77498	Web

02/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85202	Web

01/26/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27516	Web

01/20/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75216	Web

10/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30263	Referral

10/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75241	Web

10/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web	Servicemember

10/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web	Servicemember

09/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78759	Web

09/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76112	Web

09/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76502	Web

09/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 71118	Web

09/03/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32129	Web

09/02/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32129	Web

09/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75075	Web

08/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50320	Phone

08/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28145	Web

07/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77384	Web

07/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web

07/06/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30083	Web

07/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29730	Web

06/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32935	Web

05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23602	Web

05/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93305	Web

05/17/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30263	Postal mail

05/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75038	Web

05/01/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78217	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78229	Fax

03/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76049	Web

02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76179	Web

01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32855	Web

12/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77373	Referral

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77449	Web

12/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75115	Web	Servicemember

09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92505	Web

08/18/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33063	Web

08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33027	Phone

08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33027	Phone

08/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76180	Web

08/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76180	Web

08/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77385	Web

06/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92020	Web

05/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76201	Web

05/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Web

03/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33414	Web

03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92020	Web

03/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98118	Web

02/20/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TX 75069	Web

02/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21208	Web

02/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77069	Web

01/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33611	Web

01/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TX 75067	Web	Servicemember

12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 76012	Web

11/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76054	Phone

11/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77066	Web

09/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30314	Web

09/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 44092	Web

08/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 35216	Web

07/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90703	Web

06/08/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30052	Web

05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32818	Web

03/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19149	Web

03/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77044	Web

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34683	Web

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75249	Web

02/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 77498	Web

01/15/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33928	Web

12/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75230	Web

12/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91007	Phone

11/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80903	Web

11/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28277	Web

10/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 78758	Web

10/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77388	Web

10/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77573	Postal mail	Servicemember

09/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77551	Web

09/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76014	Web

08/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75087	Web

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32837	Web

08/11/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CO 80014	Web

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78227	Web

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32837	Web

07/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33064	Web

07/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IN 46407	Phone

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 77272	Web

06/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91335	Referral

06/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32837	Web

06/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77338	Web

06/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30062	Web

05/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94538	Web

04/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97307	Web

04/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78644	Web

04/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78727	Web

03/28/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PA 19150	Web

03/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45732	Postal mail

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76040	Web

01/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	LA 71103	Phone

12/27/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27605	Phone

10/27/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MI 48038	Web

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77008	Web

08/08/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75067	Postal mail

07/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75126	Postal mail