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2763967
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2017-12-26
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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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| Tags |
Servicemember
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| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
MSW Capital, LLC
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2017-12-26
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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 |
2017-12-26
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
I am writing a complaint against the XXXX XXXX XXXX and their investigation practices into an incorrectly reported account on my credit report. I originally had a charged off account from XXXX with XXXX XXXX XXXX for {$920.00} after going through some personal financial issues in XXXX. In XXXX of XXXX, I was able to get back onto my feet pretty well and I was able to pay off a few accounts in full, including the XXXX XXXX XXXX account that was charged off. I paid a total of {$1000.00} to MSW Capital, who is now XXXX XXXX. The account was sold to them by XXXX XXXX Bank after the charge off. After reviewing my credit reports recently for a possible security clearance at my work, I noticed that XXXX XXXX XXXX still reported that the account was charged off with a never paid {$920.00} dollar balance. The current balance reported as {$0.00}, but the account should have stated " charged off/paid in full '' and closed as of XXXX after the paid in full date. I then disputed that account status in the narrative with XXXX, so that it would update the closure date to XXXX and it would have a paid in full status on it. This was on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the results of the dispute, and to my amazement the account status was updated to a current charge off as of XXXX, with an unpaid balance. This lowered my XXXX XXXX by XXXX points! I immediately disputed this information once again on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the results of the second dispute with the same information reporting. This account is currently reporting as an open negative account. This account should have nothing reported after XXXX, XXXX. I immediately called XXXX XXXXMSW Capital, the company to whom the debt was sold to, and they were immediately able to give me the correct information ( paid off on XXXX/XXXX/XXXX for {$1000.00}, a emailed letter stating that it was paid off, etc ). I called XXXX by phone to tell them that they are not conducting a full investigation on this, but only calling up the original creditor who was never updated with the balance. Everytime that I have called XXXX XXXX XXXX to ask them why they were reporting to XXXX as the account being a current/unpaid charge off, they always tell me that they do not own the account anymore, and that XXXX/MSW is the owner. They then provide me with the phone number for XXXX where I or anybody else can easily obtain the information that it was paid off in full. I do not know how XXXX investigates these accounts, but it is definitely not a complete investigation as per the FDCPA. Now that this account continues to report as a current charge off, I may have a possible security clearance hindered because of this. This was also reported shortly after to the XXXX bureau as well as the same status. I just submitted a dispute with updated documents from my bank statements from XXXX, the paid in full letter, and another typed out dispute letter. I have yet to write a complaint on them, as I am waiting to see the final results on their end. My XXXX credit report has yet to be affected by this, but does show that the balance is still {$920.00} owed and never paid, but not a current charge off account. Please find attached the documents that prove I have paid this account in full.Any help is greatly appreciated!
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| Consumer Consent Provided |
Consent provided
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1296321
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2015-03-23
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Cont'd attempts collect debt not owed
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Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
MSW Capital, LLC
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| Product |
Debt collection
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| Sub Issue |
Debt was paid
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| Sub Product |
Credit card
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| Date Received |
2015-03-23
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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 |
2015-03-23
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| Consumer Consent Provided |
Consent not provided
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3042682
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2018-10-10
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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
|
| Company |
MSW Capital, LLC
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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 |
Credit card debt
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| Date Received |
2018-10-10
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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 |
2018-10-11
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| Complaint What Happened |
Dear Sir or Madam, I monitor and take my credit reports very diligently. I was never informed in writing, or for that mattter, verbally, of an alleged original debt from XXXX XXXX XXXX, the supposedly alleged creditor. As a first note, this alleged debt is so old, it is nearly at the statute of limitations for debt reporting and or collection efforts. The alleged debt is as follows : Allegedly Opened in XX/XX/2012 No Account Number Provided ( At All ) Alleged Credit Limit {$500.00} Alleged Amount Due {$800.00} Not possible to owe that much more than a credit limit NEVER notified of this alleged debt 30 Day legal contestable period never adhiered to No Original/Post Written Record Provided Current Alleged Debt Buyer : MSW Capital ( Never Inforened in writing from them regarding anything ) Attempted to dispute denied, based on no verification ( XXXX XXXX, MSW ) XXXX XXXX contacted at : XXXX MSW contacted at : XXXX This is the only alleged negative remark on my credit report Perfect payment history on all accounts Alleged debt never notified of or verified I request your help in having this alleged and bogus item from my credit report in a timely manner. I respectfully and greatly appreciate your help in this matter.
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| Consumer Consent Provided |
Consent provided
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594843
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2013-11-12
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Cont'd attempts collect debt not owed
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Debt collection
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|
| Tags |
Older American
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| Issue |
Cont'd attempts collect debt not owed
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| Timely |
No
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| Company |
MSW Capital, LLC
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| Product |
Debt collection
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| Sub Issue |
Debt is not mine
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| Sub Product |
Credit card
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| Date Received |
2013-11-12
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| Submitted Via |
Phone
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| Company Response |
Closed with explanation
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| Consumer Disputed |
No
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| Date Sent To Company |
2013-11-14
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| Consumer Consent Provided |
N/A
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3046681
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2018-10-15
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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 |
MSW Capital, LLC
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| Product |
Debt collection
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| Sub Issue |
Debt was paid
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| Sub Product |
Payday loan debt
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| Date Received |
2018-10-15
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| Submitted Via |
Phone
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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 |
2018-10-15
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
N/A
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2848757
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2018-03-20
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
MSW Capital, LLC
|
| 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 |
2018-03-20
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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 |
2018-03-20
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.
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| Consumer Consent Provided |
Consent provided
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