|
2035815
|
2016-07-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2016-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-07-28
|
| Complaint What Happened |
According to the management office of an apartment complex in XXXX, XXXX. Someone using my name ( and a false spouse ) rented an apartment sometime during the years of XXXX to XXXX.
However, I 've been living in XXXX, XXXX since XXXX XXXX. I have not lived in XXXX, XXXX since XXXX XXXX. And I 'm not married either.
They 're using XXXX separate debt collection agencies to contact me, and have been placing negative marks on my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1622637
|
2015-10-23
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Federal student loan
|
| Date Received |
2015-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-23
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1151260
|
2014-12-10
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-10
|
| Consumer Consent Provided |
N/A
|
|
|
8581690
|
2024-03-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Rental debt
|
| Date Received |
2024-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-20
|
| Complaint What Happened |
PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day SOUTHERN MANAGEMENT SY Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details XXXX XXXX paid off Balance {$2400.00} Balance updated XX/XX/XXXX Original balance {$2400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2400.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Company Contact info SOUTHERN MANAGEMENT SY Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED Thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
3494187
|
2020-01-13
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-01-13
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-13
|
| Consumer Consent Provided |
N/A
|
|
|
5550848
|
2022-05-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2022-05-06
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-07
|
| Consumer Consent Provided |
N/A
|
|
|
3529068
|
2020-02-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2020-02-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-12
|
| Complaint What Happened |
Southern Management XXXX located at XXXX XXXX XXXX XXXX florida XXXX -- They are stating i owe an amount of money but cant prove it, i tried to negotiate with them but they are mean rude and hang up the phone with immature statements like " im not going to do this '' " uh oh i dont take attitude '' and a bunch of other silly comments that result in hangups thus making it impossible to get to the bottom of the collection issue. I have asked them for proof of debt for 7 months and they say check your credit report which they damaged, it is the only debt in collection that i have. I practically beg for proof of debt, apparently the debt is owed to a business that is now defunct. Please help get to the bottom of the abuse.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9400602
|
2024-07-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2074150
|
2016-08-22
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I finished my XXXX to XXXX lease this company is trying to state I owe when I do not. I disputed and received some stuff but it does not support the data they are trying to state I owe for. First they state I owe XXXX XXXX which I rented from XXXX XXXX and finished my whole lease. Please help
|
| Consumer Consent Provided |
Consent provided
|
|
|
1622638
|
2015-10-23
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Student loan
|
| Sub Issue |
Having problems with customer service
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2015-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-11-16
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9768162
|
2024-08-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-13
|
| Complaint What Happened |
RE : Account # # : XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I 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.
Account Name : XXXX XXXX XXXX Account Number # : XXXX Amount : {$5600.00} This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. XX/XX/year> If your offices are able to provide the proper documentation as requested in the following declaration, I will require 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 legal counsel for suit.
This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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 file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 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. Any insurance claims been 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. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent 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 copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
9463712
|
2024-07-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Southern Management Systems Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-09
|
| Complaint What Happened |
Southern management system. XXXX XXXX {$1100.00} is been in dispute since XX/XX/2024. I sent a cease and desist letter. They won't take it off my credit report. It's stopping me from renting or getting a car. I don't owe this money and they won't finish the dispute.
|
| Consumer Consent Provided |
Consent provided
|
|
