Rocky Mountain Capital Management CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/18/2024	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	WY 82009	Web
I have been contacted by 3 different collection agencies over this debt which in relation to another collection I already included in one of my complaints over validity and other issues in regards the improper use of my credit, false reporting, validity of debt, and the other violations that have occurred with my credit report. I have politely asked this entity who is a subcontractor of the debt collector that is collecting a debt to please stop contacting me and on top of that I did emphasize that I did not authorize nor enter into any agreements with them in regards to contacting me or having any correspondence with me in relation to this debt especially considering that there was no validation of the debt being mine but also because of my rights. I referenced the statues as well as the relation to my other complaints and brought screen shots with dates as well. ( Please reference my complaints in relation to my credit reports from XXXX & XXXX ). Pursuant to 18 USC 8 I owe no debt. This company is violating my consumerright to privacy pursuant to 15USC 1681b ; 2. company has also NO permission to report Anything using my info pursuant to 15USC 1681 4. I am requesting the removal of ALL of these accounts/collections in ordinance with pursuant 15 USC 8 & 15 USC 1681b , herein where I owe no debt for these items nor do these items belong to me. Additionally, these entities have not nor have ever had permission from myself to use, report, or any relative adherence to do anything with my personal information at any such time to date prior and there going forward. Codes and laws that I am referencing in relation to the violations occurred against me as a consumer are listed here with descriptions : * 15 USC 1681C Sect. 605 ( a ) ( 1-6 ), 15 USC 1681 Sect. 605 ( b ) ( 1-3 ) * 15 USC 1681B Sect. 605 ( h ) ( 1 ), 15 USC 1681B Sect. 609 ( a ) ( 5 ) * 15 USC 1681B Sect. 615 ( d ) ( 1 ) ( A-E ), 15 USC 1681B Sect. 615 ( 4 ) * CFR Req. Title 12, Chpt. X SS. 1006.6 * CFR Req. 1006.42 * CFR Req. 1006.10 * CFR Req. 1006.34 ( b ) ( 3 ) ( 4 ) * CFR Req. 1006.34 ( c ) ( 3 ) ( i ) * CFR 1016.7 ( a ) ( 1 ) ( i-iii ) * CFR 1016.7 ( g ) * CFR 1016.7 ( h ) * 15 USC 6802 * CFR 12 X ss 1016.7 ( a ) ( i-iii ) * CFR 12 X ss 1016.3 ( b ) ( 1 ) * CFR 12 X ss 1016.3 ( a ) ( I ) ( A-E ) * CFR 12 X ss 1016.3 ( c ) * CFR 12 X ss 1016.3 ( q ) ( 1 ) ( i-iii ) * CFR 12 X ss 1016.3 ( q ) ( 2 ) ( i ) ( A-G ) * CFR 12 X ss 1016.4 ( a ) ( 1-2 ) * CFR 12 X ss 1016.4 ( b ) ( 1-2 ) * CFR 12 X ss 1016.4 ( c ) ( 1-2 ) * CFR 12 X ss 1016.6 ( a ) ( 1-9 ) * CFR 12 X ss 1016.6 ( c ) ( 4 ) ( i-iv ) * CFR 12 X ss 1016.7 ( g ) * CFR 12 X ss 1016.7 ( h ) * CFR 12 X ss 1016.10 ( a ) ( 1 ) ( i-iv ) * CFR 12 X ss 1016.10 ( a ) ( 2 ) * CFR 12 X ss 1016.10 ( a ) ( 3 ) ( i-iii ) * CFR 12 X ss 1016.10 ( b ) ( 1-2 ) * CFR 12 X ss 1016.11 * CFR 12 X ss 1016.12, FCR 12 X 1016.12 ( a ) * CFR 12 X ss 1016.15 * CFR12 X ss 1016.13 * CFR 12 X ss 1016.17 ( c ) ( 2 ) ( g ) ( 2-5 ) * CFR 12 X ss 1016.17 ( c ) ( 3 ) ( b ) ( 1-3 ) * 15 USC ss 1681 ss 602 ( a ) ( 1-4 ), 15 USC ss 1681 ss 602 ( b ) * 15 USC ss 1681a ss 603 ( b ), 15 USC ss 1681a ss 603 ( c ) * 15 USC ss 1681a ss 603 ( m ) ( 1-2 ) * 15 USC ss 1681b ss 604 ( a ) ( 2-5 ) * * 15 USC ss 1681b ss 604 ( b ) ( 1-2 ) * * 15 USC ss 1681b ss 604 ( c ) ( 1-3 ), ( Emphasis ) * * 15 USC ss 1681b ss 604 ( c ) ( 2 ) ( A-C ) * 15 USC ss 1681b ss 604 ( e ) ( 1 ) * * 15 USC ss 1681b ss 604 ( f ) ( 1-2 ) * 15 USC ss 1681c ss 605 ( a ) ( 1-8 ) * 15 USC ss 1681e ss 607 ( b ) * * 15 USC ss 1681j ss 612 ( b ) * 15 USC ss 1681m ss 615 ( a ) ( 1-4 ) * 15 USC ss 1681n ss 616 ( a ) ( 1-3 ), 15 USC 1681n ss616 ( b ) **** ( Compensation ) * 15 USC ss 1681q ss 619 * 15 USC ss 1681o*** ( Justifies ss619, reserved ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( A ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( B ) ( i-ii ) * 15 USC ss 1681s-3 ss 624 ( a ) ( 1-2 ) ( A-B ) Emphasis on laws/violations : As outlined in the laws, particularly the Fair Credit Reporting Act 15 USC 1681 ss 602, it states and emphasizes that agencies are to insure ( as a need ) their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy and the consumer themselves in ordinance with the laws. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the consumer as defined by the laws and the reference of laws that I have outlined in terms of definition, policies, laws, and compliances where these violations were made by these entities. Moreover, I have the right to make sure my private information is not shared in any and every way which is indeed backed by 15 USC 6801, additionally which states It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information again in any way. ( The Furnisher ( s ) of information to credit agencies ) is a financial institution which is defined under title 15 USC 1681 ss 604 ( a ) ( 2 ), stating that In general, to subsection c, any consumer agency may furnish a consumer report under the following circumstances and no other ; In ordinance with the written instructions of the consumer to who it relates [ Furnisher of information to credit agencies ) The financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent ; written, unwritten, verbally, and non verbally, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose no public information to a nonaffiliated third party unless the CONSUMER is given an explanation of how the consumer can exercise that nondisclosure option ( Furnisher of information to credit agencies ) I was never informed of any of my rights nor my right to exercise my disclosure option at any given moment and time. Not only was this relative and the case, I would like to reference and acclaim 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years The account is an adverse item they are reporting, again, without my permission, thereby proving and showing that they are breaking the law and another law. 15 USC Code ss 1681s-2 ( A ) ( 1 ) ; A states and outlines, 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. 15 USC Code ss 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to the limit the furnishing of consumer er reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining these procedure nor and reasonable procedures. Additionally, 12 CFR ss 1016.7 states that A consumer may exercise the right to opt out at any time. Therefore and within he scope of the laws and my rights, I am OPTING out of your reporting services by way of the laws and regulations. These agencies, persons, creditors, debt collection agencies, etc have been participating and maliciously have been violating my rights as a consumer without an opportunity to remedy these cases nor do they have the intention to remedy the circumstances and situation based on the repetitive actions that have been taken against me and my rights as a consumer.
10/22/2018	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 32839	Web	Older American, Servicemember
I am formally filing a Complaint against unverfied XXXX XXXX XXXX XXXX XXXX Sold to Rocky Mountain Capital Management LLC, this Complaint in is Responce to Unvalidated Collection entry placed by XXXX XXXX XXXX.on the date of XX/XX/XXXX and on a continuous basis today XX/XX/XXXX.the negative tradeline Collection was reported to the Three mayor Reporting agencies CRAs by this Predetory Furnisher XXXX XXXX for an undocumented amount with out my authorization of this event or giving me advance notice to dispute within 30 days according to FDCpractice Act 15 USC & FCRA Act.please note a Furnisher of information must submit A letter letter to a consumer explain the aledged dept in writing and give the consumer " The right to " Dispute '' according to the furnisher Rules Section 623 ( a ) ( 8 ) & Section623 ( a ) Fair Reporting Duties '' of Furnishers of information.and FCDCPA and FCRA act '' in Violation of my rights to dispute a claim '' for approximately " two '' years XXXX XXXX XXXX has Fragrantly violated my rights debt beyond the Unvalidated certified mail I sent on two separate dates XX/XX/XXXXand XX/XX/XXXX they were given ample time under FCRA to Validate this Derogation entry on my credit file a disregard for compliance " please note I am a XXXX Handicap XXXX XXXX veteran who has worked very hard at attaining a positive great rating and responsible payment history I have recently Discovered that I was denied V.A Funding for a home for my family through a Mortgage Company because of the Unverfied " Derogatory '' marks on my credit report by " XXXX XXXX XXXX XXXX I have lost the option to attain my home this has been a " Very demeaning '' act by XXXX XXXX in Violation of my HIPPA Right s and and '' act of mental " anguish to wait on a company that refuses to validate Collection and hides '' From there Violation of Rights of Consumer '' under the FDCPractice 'the CRAs also have responsibility to correct the discrepancy and Delete this Unvalidated Unauthorized & unverfied Derogatory " marks '' the CRAs only Responce 2as Item '' '' Was Verify '' without investigation of the Creditor Furnisher XXXX XXXX XXXX '' an act of " Defamation '' I will use all my legal resorces and Legal Attorneys to File a Law Suit in response if no actions are taken by Rocky Mountain Capital Mannagement LLC & XXXX XXXX XXXXi am demanding that the Furnisher debt collector for XXXX XXXX XXXX they will fully anacted neglegently is Responce to none notification if alledge debt '' I formally requesting Documentation ( and the Failed ) Due to the inacuracies in my credit report I Demanded that they Submit to the three CRAs that the 2 Validation i previously sent I requested be in the form of a verified statement by a person with the original Knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently Disputed as a result of a return or falty or recalled Consumer product, was not utilized as a " '' Profit-and loss-tax deduction during the period it may have been payable please be advised I am requesting " competent '' evidence '' That I had some contractual obligation in relation to this Collection Tradeline '' and within 30 days off my prior Certified notice that you received on XX/XX/XXXX.duly noted '' answers these " demand '' and " '' Remove '' the associated negative Tradelines '' notification from my personal Credit File '' Report actions which " '' Contraindicate Evidence '' '' of your intent to abridge '' '' one or more Civil Rights '' Furthermore continued unsubstantiated Reporting of possible innacuracies to any third parties '' may Provide a basic for Formal Complaint bring filed pursuant to " federal statute '' in the interim prescribed regulation requiring Furnisher in compliance to federal regulation and accuracy under Definitions ( 12 CFR 222-41 ) rules governing the Furnishers and rules of information to CRAs Section 623of the Fair Credit Reporting Act ( FCRA ) Issuing guidelines by use by Furnisher Reporting the " accuracy '' of an the integrity '' of the information About a consumer they finish to CRAs.And the FTC governing the Regulations of complete accuracy '' please note This Creditor of an Unverfied debt the company XXXX XXXX/and the associateted companies in the United States District Court of Eastern District A case was filed against of a class action Lawsuits that alledges to be a Predetory Lender '' a proposal of warning and that XXXX XXXX the United States Attorney office in XXXX for plaintive. This case was filed on XX/XX/XXXX in XXXX XXXX against " XXXX XXXX XXXX '' the lawsuit challenging XXXX XXXX claims of sovereign immunity from getting Suit ... plaintiffs also asserts claims for " excessive High Interested Rates above 12percent APR.as a Consumer who feel his rights were Violated by XXXX XXXX XXXX I'm demanding that they Deleted this Tradeline Emedietely.
04/16/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	IN 474XX	Web
I obtained an online loan through XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}. after paying on the loan in the amount of {$190.00} every 2 weeks, the last payment being made on XX/XX/XXXX and paying a total amount of {$590.00}, I was unable to cont paying every 2 weeks at that payment amount. I tried to work with XXXX XXXX on a payment arrangement to pay off the amount owed, however they were unwilling to work with me. After doing some research I noticed that they did not have a license to lend in Indiana, so I revoked my ACH with them. They have since charged off my account, but they have sold it to a 3rd party collection agency. The name of the 3rd party collection agency it was sold to is Rocky Mt Capital Management. I was told it was sold to them on XX/XX/XXXX. I have not received any information from them in the mail and last week I began getting contacted by someone by the name of XXXX XXXX, saying I owe {$3100.00}, but her client will settle for {$2300.00}, if it is paid by the end of the month. She tells me she works with XXXX XXXX in XXXX XXXX, and her client is Rocky mt Capital. I am unable to pay this amount. If this amount isn't paid she said that her client will file a suit against me. I told her I never received anything in the mail. She also told me that the amount of my payment with XXXX XXXX was {$50.00} a month and that I only paid 1 payment which is untrue. She has me call one number to contact her, but calls me from 2 other numbers, one is a XXXX XXXX number ( XXXX ) and the other is an XXXX, XXXX number ( XXXX ), but the number she has me contact is XXXX. I called the XXXX In number once and a XXXX answered the phone. I hung up, it all just seemed fishy to me. Not sure how to go about resolving this mater. I do not want to be sued, but I can't afford to pay what they are saying I owe. I don't have a problem paying back the principal amount of what I borrowed, but I would need to set it up on payments. And I don't even know if any of it is real, with the tactics they are using.
03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92614	Web
On XX/XX/XXXX I called the company XXXX XXXX XXXX to settle a small loan I made and requested the detailed, precise amount I owed to close that account for good. They told me the amount, which was paid AND confirmed, BOTH by them and my bank in the amount of ( XXXX USD ) XXXX XXXX XXXX Debit XXXX Web ID : XXXX - XXXX in the city of XXXX, at a XXXX location, When I take those loans at exorbitant and immoral interest rates, I MAKE SURE I keep them for a VERY SHORT PERIOD. This is why when I got paid it was the first company I called. After one year of RADIO SILENCE, a company called XXXX XXXX XXXX calls me on XX/XX/XXXX to say that I owe them over ONE THOUSAND DOLLARS at a 300 % interest rate AND COUNTING. The company XXXX XXXX has acted in malfeasance, whether in bad faith or by gross negligence. In the case of human error, that is understandable, and theres plenty of evidence of cases like this ; if in bad faith, it represents an indictment to a larger picture of the way in which this company conduct business in fraudulent manner. I am a full-time XXXX with little time to sleep, basically no money, approaching graduation, how am I supposed to defend myself against such a corrupt, lying, disgraceful business. This company should disband and get out of business. I already used my precious time to send a Cease and Desist letter to stop any attempts to collect, contact, and persist on any communication in regard to a non-existent debt. It is also a demand for immediate credit repair for any issues related to credit report companies in regard to this matter. A year after parting company with this disgraceful loan shark operation called XXXX XXXX has left me outraged and I wish no apologies, except for a full repair, credit-wise, and a letter of settlement. Theres no apology that would ever offer a hope of redemption for a company that charges over 300 % of interest as a business model, and who infers that I would be a fool to hold on to a 300 % interest loan for over a year.
01/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AR 721XX	Web
To Whom this May Concern, Rocky Mountain Capital Management is illegally furnishing inaccurate information on my consumer report. I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing. Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place. You have 5 days from todays date to remedy this alleged debt. Please do not contact me if it does not pertain to this matter at hand. Best Regards, Without XXXX XXXX XXXX
09/19/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78728	Web
On XX/XX/XXXX I was contacted by a restricted number twice. ( XXXX ) I didn't answer. The same number called my wife 's phone and she answered. It was a man asking for me, when I came to the phone he shouted : " what happened yesterday? '' I didn't know what he was referring to. He then went over all of my information ( ssn, name, birthday etc ) said that " I missed my hearing yesterday and he will be stopping by. He gave me a number to Rocky Mountain Capital Management and said that he will be calling in an hour to see if I resolved this. It was a debt for XXXX XXXX loans. He made it seem like he was Marshall XXXX from your county. Through research, I found out his name turned out to be XXXX and he is not a marshall by title. I called the XXXX number ( XXXX XXXX XXXX XXXX ). No one ever said that " this is an attempt to collect a debt ... '' They were very hostile about providing me proof of my debt. They said they had been sending notice after notice to my home and via email. He said that he would have to contact my county every time an email is sent, and so he can't keep sending out emails. I demanded an email and settlement offer over and over but I refused to give any payment information. Finally, he sent one to my email. This proves that if they had been, I would have received the " others ''. They also had my current address so if they sent countless letters, I'd have " those '' too. I also know that there is a process. If the county wanted to send me notices or have me come to court, I'd know about it. It wasn't until I threatened legal action that he got off the phone. I contacted XXXX XXXX directly and they sent me to the company that they sold it off to ( Rocky Mountain ) and they were not pleased to hear about the XXXX group using these tactics.
10/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acctt # Our Reference Number : XXXX Original Creditor Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Creditor To Whom Debt Is Owed : Rocky Mountain Capital Current Creditor Account Number : XXXX Total Balance Due : {$500.00}, has violated my righ ts. 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 cons umer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/16/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92584	Web	Servicemember
I received a call today on XX/XX/2019 by a person who would not identify themselves claiming they were serving me for " check fraud '' on behalf of XXXX XXXX, the number was XXXX XXXX XXXX XXXX XXXX. The person on the phone said he was a lawyer, and I explained that i am currently jobless, and was hung up on. Then they proceeded to call my family members, specifically my mother and threaten them with aiding in " check fraud '' via voicemail, giving out personal information without confirming that the number they had called was my mother. I called them back, an a woman answered as Rocky Mountain Capital Management, upon giving her my name she claimed they were a legal organization or law office and then consistently refused to give me the name or information of their organization. I asked for written correspondence and they denied. When i offered solutions they said " tell it to a judge '' and hung up on me. After i reached out to XXXX XXXX directly and they said my debt had been sold to XXXX Rocky Mountain capital management support@rockymountaincapitalmgt.com rockymountaincapitalmgt.com
08/08/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OR XXXXX	Web
I noticed that there was a new account on my my XXXX and XXXX credit reports for ( XXXX ) XXXX XXXX XXXX as a charge-off. I contacted XXXX on XX/XX/18 @ XXXX and spoke with XXXX who told me that they sold this debt to Rocky Mountain Capital Management. I informed him that this is not my debt and he stated that XXXX no longer has access to the system that has the original documents for this loan and can not verify anything. This sounds like fraud to me! I informed him that This is not mine and to remove this from m y credit reports and to never contact me again and also informed him that In Oregon you have to have a license to do business such as payday loans which XXXX is classified as and they do not have a license in Oregon. You also have to have a license to collect debt which Rocky Mountain Capital Management is also not licensed. I have attached documents showing these companies have no licenses in Oregon. They are also not found in the XXXX XXXX : XXXX XXXX XXXX
07/05/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77339	Web
ON XX/XX/18 a man left a voicemail ( I still have it saved from the number XXXX stating that if I do not call him back, he would has someone come to my employment and have him served. He also stated that I needed to have two forms of ID on me at all time. I then got a phone call from a blocked number asking my wear about so I could be served. I told the man that I would not give him that information and he told me that he was headed to my job ( and then listed my employeer ). I told him that he could not call my job or come to my job, he called me a name and hung up on me. I traced the debt back to Rock mountain Capital and XXXX XXXX. On XX/XX/18 I was told that They would not call me again and " they were sorry '' On XX/XX/18 I got a call from XXXX. the man stated that someone was headed to my job or my home to have me arrested for not paying this debt.
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 721XX	Web
You stated that your corporation does not report any thing on the consumer report. Are you sure? ( see document provided ) You did not provide the documentation that I've asked for if you can not provide those documents the account is to be blocked and deleted You are in violation of 15 usc 6801 ( a ) due to not having my consent to furnish anything on my consumer report. You are in violation OF 15 USC 6809 ( 4 ) ( A ) DUE TO NOT NOTIFYING ME THAT MY NON-PUBLIC INFORMATION WAS BEING SHARED AND NOT GIVING ME THE OPTION TO OPT OUT. YOU ARE IN VIOLATION FOLLOWING THIS ATTEMPT TO RECTIFY i WILL BE FOLLOWING UP WITH AN INVOICE TO COLLECT ACTUAL DAMAGES
11/30/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33434	Web	Older American
I received a letter saying my credit card was sent to Rocky Mountain Capital Management for payment. I was threatened by a XXXX XXXX to be sued and garnisheed but I have SSI which is exempt from garnishment. He calls with threatening messages day and night under private. Garnishment against social security is illegal. He says he is suing me without a legal summons and complaint. He never made legal demand in writing for any bill. I can not even use my phone anymore and I am an accident victim.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27603	Web	Servicemember
XXXX XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XX/XX/2020. The company 's File Number is listed as XXXX. The Registered Agent on file for this company is XXXX XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX. This is the company the debt was sold to however they can not be reached whatsoever and XXXX and XXXX continue to report the same information month after month and update the account. I dont know how they are able to get in contact but i can not.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 761XX	Web	Servicemember
In accordance with fair credit reporting act rocky mountain capital management and office of attorney general has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27403	Web
These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. I have sent validation letters to all XXXX bureaus. XXXXXX/XX/XXXX I have disputed them multiple times, XXXX XXXX XXXX XXXX
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 027XX	Web
I have several inquiries and accounts that are 100 % fraudulent. I have disputed, but to no avail, I absolutely didnot create accounts
01/28/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 64050	Web
Rocky mountain fidelis collection keeps calling me at work after i told them to stop calling my work
12/15/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	AL 36567	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70785	Web

10/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85080	Web

09/12/2023	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	CO 81003	Web

08/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61107	Web

07/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55422	Web

07/03/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web

04/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35810	Web

10/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31794	Web

05/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90043	Web

12/14/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	WA 98503	Phone	Older American, Servicemember

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27604	Web

02/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95823	Phone