Contract Callers Inc.

Upon review of my XXXX credit report, I found a collection account under the name, CONTRACT CALLERS reporting a debt under original creditor name, XXXX XXXX with an open date of XX/XX/year>. I called the collection company at XXXX and spoke with Representative, XXXX and she was unable to locate any account under my name. I do not own this account as I do not have any gas providers where I reside. Please remove, this account was opened in my name as a result of theft.

I am filing this formal complaint against Contract Callers , Inc. ( XXXX ) Account # XXXX * * for repeated violations of the FCRA XXXX XXXX. XXXX ( b ). This is my fifth attempt to correct blatant reporting inaccuracies regarding an alleged PG & XXXX debt, which XXXX continues to " verify '' despite clear evidence of errors. XXXX is furnishing inconsistent and contradictory data across all three major credit bureaus, proving a failure to conduct a reasonable investigation : Illegal Re-Aging ( Date of Last Activity ) : XXXX is reporting XXXX different dates for the same account : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ). Reporting a date nearly XXXX years after the actual delinquency is a direct violation intended to keep negative items on my report longer than legally allowed. Inconsistent Account Dates : There is no uniformity in the " Date Opened, '' with XXXX reporting XX/XX/XXXX while XXXX and XXXX report XX/XX/XXXX.…

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I am filing a complaint regarding a debt collection attempt by Contract Callers Inc. related to an alleged balance of {$490.00} from XXXX XXXX XXXX and Gas ( XXXX & XXXX ). I dispute this debt and deny any personal liability. Although my name appears on the account alongside XXXX XXXX, she was my former spouse. Our marriage was legally dissolved on XX/XX/XXXX, as evidenced by a XXXX XXXX of XXXX. The service address listed for this account is XXXX New XXXX XXXX, XXXX, NJ. This was not my residence. I have documentation showing that I have resided at XXXX XXXX XXXX # XXXX, XXXX, NJ since XX/XX/XXXX. Additionally : I did not open or authorize this account I did not sign any agreement for utility service at that address I am not listed as a tenant on the lease for that property The debt collector claims the creditor confirmed my name and address, but has failed to provide any signed contract or valid proof that I am legally responsible for this debt.…

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I am disputing a collection account reported by Contract Callers Inc for {$78.00}. The company did provide an initial validation notice ; however, I have made additional attempts to request clarification and to communicate in writing for documentation purposes. The company has not responded to my follow-up requests. Instead, they have attempted to contact me by phone, including asking that I return their call, while not addressing my written communications. I am not refusing communication, but I am requesting that communication be provided in writing so that I may properly review and document the information. The account continues to be reported on my credit file despite the companys failure to respond to my follow-up requests for clarification and written communication.

XXXX XXXX Regarding Unknown Debt I am writing XXXX formally dispute a debt that has been reported under my name which I do not recognize. I believe this debt is the result of fraudulent activity or identity theft. I have no knowledge of this account XXXX did not open, authorize, or benefit from any transactions associated with it. This debt does not belong XXXX me, XXXX I have never entered into any agreement or contract with the company reporting it. Upon becoming aware of this issue, I immediately reviewed my credit report and began taking steps XXXX protect my identity. I am requesting a full investigation into this matter XXXX ask that you provide verification of this debt, including any documentation bearing my signature or proof that I authorized this account. If you are unable XXXX provide valid proof that I am responsible for this debt, I request that it be removed from my credit report immediately XXXX that I not be held liable for any associated balance.…

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Im filing a complaint against " CONTRACT CALLERS INC '' because they are reporting a collection account ( original creditor listed as XXXX XXXX, account # XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX P.O. XXXX XXXX XXXX, TX XXXX RE : Debt Validation Request XXXX Whom It XXXX Concern : I am writing XXXX formally request validation of the alleged debt referenced above under the FDCPA and FCRA. I dispute this debt XXXX request full validation. Until validation is provided, you must cease all collection activity. Please provide : XXXX. XXXX signed agreement XXXX. Full itemized statement of the debt XXXX. Original creditor information XXXX. Proof of your legal right XXXX collect XXXX. Proof of licensing in my state If validation can not be provided, you must delete this account from all credit bureaus. If reporting continues without validation XXXX XXXX, XXXX, or XXXX, it may be considered inaccurate reporting. Please respond within XXXX days. Sincerely, XXXX XXXX

I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts.…

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On XX/XX/year> I sent contract callers inc a written request for validation and verification under 15 U.S.C. 1692g for account # [ insert account number ], and to date I have not received any documentation or proof of the debt ; I am requesting immediate validation or removal and that all collection and reporting cease until the debt is properly verified. I will submit a detailed letter of everything I requested from company. I don't not believe this debt belongs to me

Contract Callers Inc sent sensitive information to someone that was not me nor had approval to do so by myself. They emailed this information to include who the debt was owed to, how much, account number, and full name. XXXX also keeps sending mass text to other people that is not myself regarding this debt. This debt has yet to be verified.

Validation of Debt Request - CONTRACT CALLERS INC - XXXXXXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Contract Callers Inc Is trying to Collect a debt from XXXX XXXX. They state that I had an account enabled for 2 months. Which is incorrect. I was not at this address during the dates stated. The address is an apartment. which would be a year lease. So why would I enable gas somewhere for 2 months especially somewhere I don't stay

CONTRACT CALLERS is falsely reporting on my credit. I have never had any accounts with them. Per my research CONTRACT CALLERS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I recently became aware of a past-due balance on my XXXX XXXX account and immediately began making payments to resolve the debt. Since that time, I have reduced the outstanding balance from {$1100.00} to {$190.00} and am continuing to make consistent payments toward the remaining amount. However, despite my active efforts to bring the account current, the balance was reported to collections and has since appeared on my credit report. I had planned to contact XXXX XXXX to notify them of my payments and ongoing resolution prior to the account being transferred, but the collection reporting occurred during this process. As I am actively working with the original creditor to resolve the remaining balance, I am requesting that this account be reviewed for accuracy and that the collection reporting be reconsidered or removed to reflect my current payment activity.

CONTRACT CALLERS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research CONTRACT CALLERS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

To Whom It May Concern, I am submitting this formal complaint regarding a collection account being reported by Contract Callers Inc. without legally sufficient proof that it owns, was assigned, or otherwise has authority to collect or report this alleged debt. Account Information Collection Agency : Contract Callers Inc. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Date Placed for Collection : XXXX XXXX XXXX Amount Allegedly Owed : {$1100.00} Portfolio Type : Collection Current Status : Placed for Collection Last Verified Date : XX/XX/year> Failure to Produce Required Assignment Contracts Contract Callers Inc. is reporting this account as a collection obligation but has failed to provide competent, admissible proof of legal assignment or ownership of this debt. Under federal law, a third-party debt collector must be able to demonstrate a lawful chain of assignment from the original creditor to itself.…

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A company called Contract Callers INC keeps calling and harassing me about a debt of {$540.00} that I supposed owe. I dont have any outstanding debt that I owe currently and I do not know what company this is. This is not my debt and it is affecting my credit score. Im not paying something I do not owe.

I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

I disputed an alleged debt with Contract Callers, Inc. and requested lawful verification. In response, the company provided only a billing statement and a final bill, which did not establish consumer authorization, service delivery, accuracy of the balance, or authority to collect. In its response, Contract Callers , Inc. admitted that verification of the debt remains pending and has not yet been received from the creditor. Despite this admission, the company maintains the account in a reportable status and asserts that reporting is permissible while verification is incomplete. Additionally, Contract Callers , Inc. has not demonstrated that it is properly licensed or authorized to collect consumer debt in the State of New Jersey as required by the New Jersey Consumer Finance Licensing Act ( N.J.S.A. 17:11C-1 et seq. ). Public licensing records reviewed by the consumer do not reflect active New Jersey authority to collect debt.…

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I dispute the accuracy and completeness of this collection tradeline. The furnisher has repeatedly failed to provide competent evidence of legal standing/authority ( ownership/assignment or placement authority ) for this specific account and has only sent a generic statement that I owe the original creditor. Because the furnisher can not substantiate the basis to report this account, it is not verifiable. Under 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete information that can not be verified. Continued reporting also violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Please delete this tradeline, or provide the results and procedure details required by the FCRA.

I disputed an alleged debt with Contract Callers, Inc. and requested lawful verification. In response, the company provided only a billing statement and a final bill, which did not establish consumer authorization, service delivery, accuracy of the balance, or authority to collect. In its response, Contract Callers , Inc. admitted that verification of the debt remains pending and has not yet been received from the creditor. Despite this admission, the company maintains the account in a reportable status and asserts that reporting is permissible while verification is incomplete. Additionally, Contract Callers , Inc. has not demonstrated that it is properly licensed or authorized to collect consumer debt in the State of New Jersey as required by the New Jersey Consumer Finance Licensing Act ( N.J.S.A. 17:11C-1 et seq. ). Public licensing records reviewed by the consumer do not reflect active New Jersey authority to collect debt.…

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I am submitting this complaint regarding a XXXX XXXX account that appeared on my consumer credit report today and does not belong to me. I did not open, authorize, or benefit from this account. My residence is XXXX XXXX, and I have never had gas service of any kind. XXXX XXXX is a natural gas provider. A gas utility account can not exist for my residence. The appearance of this account therefore does not correspond to my home, utility history, or service capability. This account just appeared on my credit report, and I am disputing it immediately upon discovery. I am requesting that XXXX XXXX provide proof showing that I applied for, authorized, or received gas service. At this time, no such proof has been provided, including no service agreement, no application, no meter information, and no service address tying this account to me.…

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I was made aware of a debt on XX/XX/XXXX when I pulled my credit and say a delinquent account. I called and requested information and paid in full XX/XX/XXXX and emailed XX/XX/XXXX when it cleared my account to request a paid in full and deletion letter. The letter they sent back had a statement " If any portion of the payment ( s ) is returned this letter will be null and void ''. I requested since the payment cleared could they send a deletion letter or a letter showing my account is closed for the bureau. They refused said they could not send anything and will notify the bureaus on XX/XX/XXXX and they can not and will not do anything sooner. I would like a letter without that statement since the payment cleared my bank and they were send a screenshot of that XX/XX/XXXX.

This is in addition to XXXX. I called and spoke to a supervisor/manager. She gave her name but said they do not have employee ID or like that to give. She stated there was nothing they could do even with the letter from the Bureau stating what they provided was insufficient. Please see the attached letter from the Bureau stating it is insufficient and why. They still stated there was no letter I could request and their letter was approved by their lawyer and they can not change any language. They also stated their timeline for a deletion letter was still over 30 days out and they can not change that or send one sooner.

I am filing this as a new complaint regarding Contract Callers Incs continued reporting and collection of an alleged debt without having validated the obligation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In a prior CFPB complaint ( No. XXXX ), Contract Callers Inc admitted that they do not currently possess documentation sufficient to validate the alleged debt and that they are awaiting additional information from the alleged creditor. This admission confirms that no validation has been produced to date. An initial validation notice does not constitute debt validation under 15 U.S.C. 1692g ( b ). Once a consumer disputes a debt in writing, a debt collector must cease all collection activity, including credit reporting, until proper validation is provided.…

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I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements.…

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I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and XXXX XXXX state laws, including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the XXXX XXXX statute of limitations XXXX proof of an active XXXX debt collection license, and evidence their initial notice met all Regulation F disclosure requirements.…

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Debt Collector : Contract Callers Original Creditor Claimed : XXXX What happened I am submitting this complaint regarding Contract Callers, a third-party debt collector attempting to collect an alleged debt they claim is owed to XXXX. I do not recognize this debt and dispute it in its entirety. After receiving Contract Callers initial written collection notice, I timely exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by sending a written debt validation and dispute letter within 30 days, pursuant to 15 U.S.C. 1692g. My letter : Clearly disputed the alleged debt Requested full and complete validation Revoked consent to telephone communications Directed that all communications be made in writing only The validation request was sent via certified mail. Contract Callers received and signed for the letter, and I am providing copies of the certified mail receipt and signature confirmation as supporting documentation.…

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I am filing this complaint with the Illinois Attorney General because the issue concerns my former XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I was unemployed from XX/XX/XXXX through XX/XX/XXXX and moved out of this address in XX/XX/XXXX. During my unemployment, I contacted XXXX to resolve my balance and was assured the account was handled due to my financial hardship. I recently learnedonly through a credit monitoring alertthat Contract Callers , Inc. reported a collection account. I was never contacted by phone, mail, or email, and received no notice or opportunity to resolve or dispute the account. This lack of notice is improper and has serious consequences for me professionally. I now work as a Qualified Individual under NMLS requirements, and this collection could jeopardize my ability to obtain state licensing.…

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