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6113639
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2022-10-21
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Tags |
Servicemember
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
R & B Corporation of Virginia
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
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| Date Received |
2022-10-21
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-10-21
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| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
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| Complaint What Happened |
I have contacted by ( certified mail via XXXX ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. 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. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
In accordance with the Fair Credit Reporting act ( CREDIT CONTROL CORP ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
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| Consumer Consent Provided |
Consent provided
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3542953
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2020-02-24
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
R & B Corporation of Virginia
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
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| Date Received |
2020-02-24
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2020-02-24
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| Complaint What Happened |
XXXX and XXXX keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX and XXXX validating this account? I will have to seek a lawyer to sue XXXX, XXXX and credit control corporation if this fraud account isnt removed from my credit report.
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| Consumer Consent Provided |
Consent provided
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7305346
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2023-07-26
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
R & B Corporation of Virginia
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2023-07-26
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-08-09
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
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4530342
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2021-07-10
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
R & B Corporation of Virginia
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
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| Sub Product |
Credit reporting
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| Date Received |
2021-07-10
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-07-10
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| Company Public Response |
Company can't verify or dispute the facts in the complaint
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| Complaint What Happened |
Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices
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| Consumer Consent Provided |
Consent provided
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3792425
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2020-08-12
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
R & B Corporation of Virginia
|
| Product |
Debt collection
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| Sub Issue |
Debt was result of identity theft
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| Sub Product |
I do not know
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| Date Received |
2020-08-12
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2020-08-12
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
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5570611
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2022-05-17
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Written notification about debt
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Debt collection
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|
| Issue |
Written notification about debt
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| Timely |
Yes
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| Company |
R & B Corporation of Virginia
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| Product |
Debt collection
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| Sub Issue |
Didn't receive notice of right to dispute
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| Sub Product |
Other debt
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| Date Received |
2022-05-17
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-05-17
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| Company Public Response |
Company disputes the facts presented in the complaint
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| Complaint What Happened |
CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament.
Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response??
furthermore CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
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| Consumer Consent Provided |
Consent provided
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6674901
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2023-03-11
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
No
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| Company |
R & B Corporation of Virginia
|
| Product |
Debt collection
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| Sub Issue |
Debt was result of identity theft
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| Sub Product |
Medical debt
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| Date Received |
2023-03-11
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-03-11
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| Company Public Response |
Company can't verify or dispute the facts in the complaint
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| Consumer Consent Provided |
Consent not provided
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4557756
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2021-07-20
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Attempts to collect debt not owed
|
Debt collection
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|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
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| Company |
R & B Corporation of Virginia
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
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| Sub Product |
Other debt
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| Date Received |
2021-07-20
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-07-20
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| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
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| Consumer Consent Provided |
Consent not provided
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5863190
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2022-08-10
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Attempts to collect debt not owed
|
Debt collection
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|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
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| Company |
R & B Corporation of Virginia
|
| Product |
Debt collection
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| Sub Issue |
Debt was paid
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| Sub Product |
Medical debt
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| Date Received |
2022-08-10
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-08-10
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
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2026605
|
2016-07-22
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Disclosure verification of debt
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Debt collection
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|
| Issue |
Disclosure verification of debt
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| Timely |
Yes
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| Company |
R & B Corporation of Virginia
|
| Product |
Debt collection
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| Sub Issue |
Not given enough info to verify debt
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| Sub Product |
Other (i.e. phone, health club, etc.)
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| Date Received |
2016-07-22
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| Submitted Via |
Referral
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| Company Response |
Closed with explanation
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| Consumer Disputed |
No
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| Date Sent To Company |
2016-07-22
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
N/A
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4433566
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2021-06-04
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Took or threatened to take negative or legal action
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Debt collection
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|
| Issue |
Took or threatened to take negative or legal action
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| Timely |
Yes
|
| Company |
R & B Corporation of Virginia
|
| Product |
Debt collection
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| Sub Issue |
Threatened or suggested your credit would be damaged
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| Sub Product |
Other debt
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| Date Received |
2021-06-04
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-06-04
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
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601491
|
2013-11-17
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Cont'd attempts collect debt not owed
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Debt collection
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|
| Issue |
Cont'd attempts collect debt not owed
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| Timely |
Yes
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| Company |
R & B Corporation of Virginia
|
| Product |
Debt collection
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| Sub Issue |
Debt was paid
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| Sub Product |
Other (i.e. phone, health club, etc.)
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| Date Received |
2013-11-17
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
No
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| Date Sent To Company |
2014-01-06
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| Consumer Consent Provided |
N/A
|
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|
6024292
|
2022-09-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
R & B Corporation of Virginia
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-27
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
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|
6020051
|
2022-09-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
R & B Corporation of Virginia
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-27
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
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