|
4653469
|
2021-08-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Nelson Cruz & Associates LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-10
|
| Complaint What Happened |
I received a call about a debt that was from 7-10 years ago. I asked for proof of this debt and never received it. A few days later it was on my credit report as a collection.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3707112
|
2020-06-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Nelson Cruz & Associates LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-06-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-19
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Complaint What Happened |
On XX/XX/2020 phone call made by XXXX woman XXXX approximately XXXX claiming she was intake from ( XXXX ) XXXX XXXX XXXX. The attorney name XXXX XXXX I was told was suppose to contact me an hour after intake. In which this person calls from law firm claiming to need information before I receive assistant about a housing matter. The following day less than 24 hours later a XXXX male uses the information provided to a XXXX assistant to claim I open an account on XX/XX/2020 with a company called XXXX XXXX. This is a fraudulant account and act on behalf of someone calling me using another company to input his law firm Nelson Cruz Assoc on my credit report with no phone number for contact no address. This was a malicous attack through using a business for deception purposes to ruin my credit on wrongful information without any letters or phone calls just a lie on stating I opened an account. When I tried several attempts to reach the woman who is obviously working remotely moonlighting two jobs she used my information to provide to one of her associates to fraudulantly update my credit with bogus derogatory information. I want this removed immediately and them both to be exposed. Nobody knows if this company or law firm Nelson Cruz is real outside of how he used an associate to get details on my money on my social security my job information etc. Stating there in company with XXXX XXXX who was suppose to contact yesterday which is not true. The name the woman gave was bogus that is why when I call her number she refuses to call back or respond. I want justice on these swinderlers behind the scenes. It made since she mentioned a lawyer she knew from her job then passed off my information to another attorney who knows that I will report them to the bar association this would not be my first situation with this type of behavior from attorneys. There doing underhanded derogatory non compliance to consumers. I am very unhappy that XXXX would allow this type of action knowing I spoke on fraud and alot of attorneys have been caught up in XXXX XXXX XXXX using my name. I am in supreme court now behind these same actions. This is why the fool would not put his entire identity on the record. Used one of his associates to blind side me lying about the call. I do not owe this company and if I do it would not be an open account on XX/XX/2020 so, this person has done something illegal to pursue a case but, these people don't have a case there just showing how easy it was to play me by lying about who was going to contact me after the intake. No one contacted me I was bamboozled by employees faking moves to get people to talk on behalf of another company while helping fraudulantly attorneys to input information under a consumers credit report with there identification information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6426186
|
2023-01-11
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Nelson Cruz & Associates LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5140997
|
2022-01-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Nelson Cruz & Associates LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2022-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-24
|
| Complaint What Happened |
I received a letter on XX/XX/21 stating I owed {$3000.00} from Nelson Cruz and Associates. The company they represented, XXXX XXXX, is the claimant.
I have never had any services rendered from this company. I sent a letter ( attached ) demanding they remove my name from this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2877637
|
2018-04-17
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
No
|
| Company |
Nelson Cruz & Associates LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Private student loan debt
|
| Date Received |
2018-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-17
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4648261
|
2021-08-20
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Nelson Cruz & Associates LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-08-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2774617
|
2018-01-07
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Nelson Cruz & Associates LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-07
|
| Complaint What Happened |
On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company.
I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place.
Please look into this and advise how I can proceed.
Thank you.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5249745
|
2022-02-22
|
Problem with a credit reporting company's investigation into an existing problem
|
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 |
Nelson Cruz & Associates LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-22
|
| Consumer Consent Provided |
Consent not provided
|
|
