Waypoint Resource Group, LLC

This was a part of a previous complaint and debt collector inform that they have removed this off my credit. it is still on the credit profile transunion. I need it to be removed.Status Company responded on XX/XX/year> Response type Closed with explanation Company 's Response Thank you for submitting your dispute with Waypoint Resource Group. Credit Bureaus were updated and withdrawn XX/XX/year> We have also requested validation to be sent to you. To validate the removal we recommend visiting Experian, Equifax, or Transunion. At times third party sites could reflect invalid information. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

In XX/XX/XXXX, Waypoint Resource Group appeared on my credit report under the collection category. They are attempting to collect a debt of {$310.00}, purportedly owed to Comcast Communications. I want to clarify that this debt is not mine. I have never been a customer of Comcast, nor have I received any notification or proof that I am responsible for this debt. Additionally, I was a victim of identity theft in XXXX, which may be related to this account. I possess a law enforcement report confirming that I was the victim of identity theft, and that this incident was reported to all three credit bureaus. I request that this inaccurate account be investigated and removed from my credit report.

I disputed a XXXX XXXX account that was reported by a collection agency ( XXXX XXXX XXXX ), and XXXX investigated and approved deletion of this account from my credit report. After this confirmed deletion, the same debt has been re-reported by different collection agencies, including XXXX. XXXX, XXXX ( XX/XX/year> ) and Waypoint Resource Group ( XX/XX/year> ), across different credit bureaus. This is the same underlying account being reassigned and reinserted after it was already removed. I was not provided any written notice of reinsertion within 5 days as required under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). I have disputed this multiple times, and the credit bureaus continue to respond with verified without providing any documentation, method of verification, or proof of ownership of the debt. This has caused ongoing damage to my credit report and lowered my credit score due to repeated and duplicate reporting of the same account.…

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This is a follow up to my previous complaint with XXXX, as they did not address the issue at hand and seemingly blatantly ignored the documentation provided in the complaint. This is getting to a point where we are going to have to resolve this in court if this is not resolved soon. XXXX is reporting a debt collection that I have repeatedly disputed and paid in full already, yet they continue to harass me over the debt and claim it is not paid. Documents provided clearly show the account at XXXX with receipts of payments and credits made on this debt. Please stop harassing me and falsely reporting this incorrect debt collection.

I am filing a complaint against Waypoint Resource Group LLC for reporting and attempting to collect a debt that I do not owe. This account is related to XXXX XXXX. I opened an account but was unable to use the service because my phone was locked and could not be activated. As a result, no services were ever used. Additionally, XXXX XXXX has already acknowledged that the balance being reported was not accurate and removed multiple charges. This raises serious concerns about the validity and accuracy of the remaining balance being reported. Despite this, Waypoint Resource Group LLC continues to report a collection account on my credit report. I disputed this with the credit bureau, and it was marked as verified as accurate, however no documentation or proof was provided to me.…

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Waypoint is still reporting as a collection account to transunion even though they informed me through email that they have requested deletion on XX/XX/year>. this account is paid in full with the original creditor ( XXXX ). Waypoint account continues to come back verified on my XXXX report. This account is inaccurate reporting and needs to be deleted off my XXXX credit report.

Since I saw the alert on my credit on Sunday XX/XX/XXXX, I have been in touch with XXXX. They used Waypoint Resource Group to open and apply a collections type derogatory credit entry. Not only is this charge incorrect, it is a product of XXXX not fulfilling their promise. In XX/XX/XXXX, I moved out of the address in question on XXXX XXXX. I returned all the equipment to the XXXX ( XXXX ) store in XXXX at the beginning of XXXX. The worker to whom I gave the equipment told me I was all set. Your account is closed. Now, having spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and finally XXXX at XXXX, I was told they incorrectly put my account under seasonal storage. When you look at my bills, you can see that as of my XXXX XXXX XXXX bill I owed XXXX so not only was I completely paid, but I was owed money. Then, they charged me incorrectly for 6 months.…

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I am submitting this complaint regarding the continued reporting of a paid collection account that I believe is being reported unfairly and inconsistently. When the account hit my credit report I immediately called the original creditor to see if there was a debt. The customer service representative told me that there was no debt. I call back again to speak with someone else and they found it and stated that it went to XXXX XXXX XXXX but not XXXX. They recommended that I not pay directly to them. I then reached out to XXXX requesting information regarding how they obtain my information and explained that XXXX stated that it was sent to XXXX XXXX XXXX. I sat on the phone for an hour while they asked me over XXXX verification questions to which I answered all of them correctly. The gentlemen stated that this has never happened before and that he would call back the following day when he can get this fixed. I never received the return call.…

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discovered a collection from Waypoint Resource group on my report in XXXX XXXX this account had already been removed by another credit company die to unable to verify it belonged to me. It was then sold to Waypoint. Waypoint never contacted me. I tried contacting via the information provided on the credit report. The phone number does not work, and I sent a request via mail to provide proof on XX/XX/XXXX. I sent an email to XXXX also requesting this. I found that on the internet with another number. I reached out on the other number and was told a letter was sent XX/XX/XXXX, but I have informed delivery via XXXX and verified nothing from them came in XX/XX/XXXX. The rep repeatedly contradicted himself by saying they did and then didn't send me information to my email but was unable to tell me what email it was sent to. I requested they send me proof of the debt, and they insisted it be sent via email. I stated they must send to my address by law, and I do not agree to email contact.…

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I am submitting this response regarding Waypoint Resource Groups explanation. While I acknowledge that the company stated the account was updated and withdrawn and that communication has ceased, this does not fully resolve my complaint. The core issue remains : this account does not belong to me. I do not recognize any obligation with Waypoint Resource Group, and I did not authorize any transaction or agreement associated with this account. Because of this, I filed an identity theft report with the Federal Trade Commission ( FTC ). Waypoints response confirms that they have withdrawn the account and ceased collection activity. However, withdrawal alone is not sufficient.…

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Complaint Against : Waypoint Resources Group LLC Product : Debt Collection Issue : Unverified debt / Inaccurate reporting / Non-response I am submitting this complaint regarding a debt account being collected by Waypoint Resources Group LLC, currently reported as {$1300.00}. This complaint raises new and unresolved issues : 1. Failure to Provide Verification of Debt I requested full documentation to verify the debt, including the original account details, the amount claimed, and any supporting calculations. The debt collector has ceased all communication and has not provided any verification. 2. Unverifiable and Potentially Inaccurate Balance Because the debt collector has not provided documentation, there is no way to confirm that the {$1300.00} balance is accurate. Reporting a debt without verification is inaccurate and misleading. 3. Potentially Improper Account Reporting If this debt has been reported to credit bureaus, it may appear as active or open despite being unverified.…

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XXXX XXXX XXXX reported a XXXX XXXX collection account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$580.00}, Date Opened XX/XX/XXXX ) to XXXX without ever making any prior contact with me whatsoever. I received no mail, no email, no text message, and no phone call from XXXX XXXX XXXX before this account appeared on my XXXX credit report which is a willful violation of 15 U.S.C. 1692g ( a ). I sent a written debt validation demand to XXXX XXXX XXXX on XX/XX/XXXX via certified mail requesting the original signed XXXX service agreement, complete payment history, proof of legal authority to collect in California, and proof that I was notified before reporting. As of XX/XX/XXXX, 27 days later XXXX has not responded or provided any validation whatsoever. Additionally the Date of First Delinquency and Date of Last Payment fields are both blank on this XXXX entry making the 7-year reporting clock completely unverifiable in violation of 15 U.S.C. 1681e ( b ).…

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I owed a debt to a company called Waypoint Resource Group LLC - Phone Number ( XXXX ) XXXX Waypoint account number XXXXXXXX XXXX the debt was for {$110.00} dollars total. I paid this debt in full on XX/XX/XXXX and it cleared the bank on XX/XX/XXXX. Waypoint agrees that the debt was paid in full and has stated thet they reported it as paid in full to the credit bureaus. However the report being shown by XXXX says paid but settled for less than full balance. That is inaccurate. i have disputed it XXXX with XXXX and XXXX, XXXX stated that Waypoint verified it as accurate and that it was settled for less than full amount. At the same time it was reported to XXXX as debt still owed, I have disputed this with XXXX XXXX times and all XXXX disputes came back saying that waypoint verified tha the debt is still owed and hasnt been paid. the latest XXXX report is from XX/XX/XXXX, where they stated on XX/XX/XXXX Waypoint verified the report is accurate and the debt is still owed.…

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Company : Waypoint Resource Group Amount : {$610.00} Status : Disputed Not Mine I am filing this complaint after repeated failed attempts to resolve a fraudulent and unverified collection account being reported by Waypoint Resource Group. Detailed Timeline & Pattern of Noncompliance : XX/XX/2026 : Waypoint Resource Group reported a {$610.00} collection account on my credit report. I have no contractual relationship with this account. XX/XX/2026 : I disputed the account directly, clearly stating the debt is not mine and requesting validation. XX/XX/2026 : I contacted the company again and provided full identifying information to assist their investigation. No documentation or verification was provided. XX/XX/2026 : I submitted a second formal dispute demanding proof, including a signed agreement and full account history. No response or validation was received. XX/XX/2026 : Follow-up attempt made. The account remained unchanged and continued to be reported.…

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I am filing this complaint regarding an inaccurate and fraudulent account being reported on my credit file in connection with XXXX XXXX. This account was previously reported in XX/XX/year> by a different collection agency, XXXX XXXX XXXX, as a XXXX debt. I formally disputed that account at that time, stating that it was not mine. I also provided supporting documentation, including a copy of my drivers license, proof of my address, and a completed fraud affidavit. I further explained that I have never lived at the address associated with the account and have never used the name listed on the account, XXXX XXXX. Despite my dispute and supporting documentation, XXXX failed to provide any proof that the account belonged to me. The account was eventually removed from my credit report by XXXX XXXX XXXX. Now, the same alleged debt has reappeared on my credit report under a different collection agency, Waypoint Resource Group , LLC.…

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COLLECTION FROM XXXX IS INCORRECT. I DO NOT HAVE A PHONE WITH XXXX. NEVER DID I ACTIVATE A PHONE LINE WITH XXXX. I HAVE BEEN DISPUTING THIS WITH XXXX FOR THE PAST ALMOST 2 YEARS. I HAVE SPOKE WITH XXXX AND WITH MULTIPLE COLLECTION AGENCIES THAT XXXX KEPT GIVING MY ACCOUNT INFO TO. THIS COLLECTION IS WRONG. I DO NOT HAVE A PHONE WITH XXXX AND I NEVER ACTIVATED A PHONE LINE. THE ORIGINAL PHONE MAILED OUT WAS RETURNED AND ACCOUNTED FOR WITHIN XXXX RETENTION DEPARTMENT AND VERIFIED BY VARIOUS MANAGERS. PLEASE DISPUTE AND REMOVE THIS FROM MY CREDIT REPORT. THANK YOU., XXXX XXXX

Formal Complaint False Collections Reporting, Unauthorized Attribution of Debt, and Failure to Correct XXXX/XXXX Account I am filing a formal complaint regarding an unresolved billing and collections issue involving my account with XXXX. On or around XXXX, my account balance was fully paid off. However, XXXX continued billing me through XXXX in error and subsequently placed the account into collections. On XX/XX/XXXX, I spoke with a manager who acknowledged that my balance had already been paid. A credit of {$110.00} was applied, and I paid {$10.00} as instructed. I was told this was the maximum credit he could apply at that time and that the remaining issue would be resolved through the collections department. On XX/XX/XXXX, I contacted XXXX again and was instructed to file a dispute with the collections department. A ticket was created, and I was explicitly told the issue would be fully resolved by XX/XX/XXXX.…

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I am filing a complaint regarding an inaccurate and potentially fraudulent collection account being reported on my credit report. A collection account from Waypoint XXXX XXXX has been placed on my XXXX credit report. I contacted the collection agency directly, and they stated they were unable to locate any account associated with my name or Social Security number. Despite this, the account continues to be reported as valid. I disputed this account with XXXX, and the dispute was denied without proper investigation or verification. No documentation has been provided to prove that this debt belongs to me. I also contacted XXXX, the alleged original creditor, and filed an identity theft report, as I have no knowledge of ever opening this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as unverified and inaccurate information is being reported and is damaging my credit profile. Sincerely, XXXX XXXX XXXX

This CFPB complaint is also a formal request for debt validation to WAYPOINT RESOURCE GROUP under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to WAYPOINT RESOURCE GROUP, along with any documentation confirming the nature of the transfer.…

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XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL COMPLAINT FALSE COLLECTION ACCOUNT / CREDIT REPORTING VIOLATION Company : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am submitting this formal complaint against a third-party collection agency for attempting to collect and report a fraudulent and inaccurate debt allegedly associated with XXXX The collection agency claims that I owe {$1200.00}, which is completely false. I currently maintain an active account with XXXX in excellent standing, and I have official documentation showing : - I am a XXXX member - I have never been late on payments - My current balance is approximately {$30.00} This directly contradicts the collection agencys claim.…

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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 ) XXXX, 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

On XX/XX/XXXX, XXXX reported tXXXX XXXX a pre-dated collections account that states it was originally reported in XXXX. XXXX has received my FTC identity theft report and has disregarded my request to have this account removed from my credit reports. Instead, they continue to report under different variations of their business name, yet provide no account documentation when requested. They forward you directly to XXXX to handle identity theft. This reporting of the alleged account of mine to the credit bureaus without validation of the debt or acknowledge of my identity theft claim, is a violation of my rights.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX RE : FORMAL COMPLAINT FALSE COLLECTION ACCOUNT / CREDIT REPORTING VIOLATION Company : XXXX XXXX XXXX XXXX Original Creditor : XXXX / Xfinity Account Number : XXXX To Whom It May Concern, I am submitting this formal complaint against a third-party collection agency for attempting to collect and report a fraudulent and inaccurate debt allegedly associated with Comcast/Xfinity. The collection agency claims that I owe {$1200.00}, which is completely false. I currently maintain an active account with XXXX in excellent standing, and I have official documentation showing : - I am a Platinum member - I have never been late on payments - My current balance is approximately {$30.00} This directly contradicts the collection agencys claim.…

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I am submitting a complaint against Waypoint Resources Group regarding a collection account that has been reported on my credit file without proper notification or validation. I do not recognize this debt and have no knowledge of any account associated with this company. Prior to this account being reported, I did not receive any written notice, validation letter, or communication, as required under the Fair Debt Collection Practices Act ( FDCPA ). I was not given an opportunity to dispute or verify the debt before it was reported to the credit bureaus. Additionally, the phone number listed for Waypoint Resources Group on my credit report is not a working number. This has prevented me from contacting the company to request validation or resolve the issue. The lack of valid contact information raises concerns about the accuracy and legitimacy of this account.…

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I am filing a formal complaint against Waypoint Resource Group LLC for failure to comply with federal law regarding debt validation and inaccurate credit reporting. I have made multiple written requests for debt validation regarding an account that Waypoint Resource Group LLC is attempting to collect. These requests were sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA XXXX ). To date, Waypoint Resource Group LLC has failed to provide any validation or verification of this alleged debt. Despite their failure to respond, the company continues to report this account on my XXXX XXXX XXXX credit reports, which constitutes a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), as they are furnishing information that has not been properly verified.…

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I am submitting this response regarding the explanation provided by Waypoint Resource Group in connection with my complaint. After reviewing their response, I acknowledge that Waypoint Resource Group has stated that they have XXXX XXXX updated and withdrawn the account as of XX/XX/year>XXXX XXXX XXXX and that they have ceased all communication related to the alleged debt. While I appreciate that Waypoint Resource Group has acknowledged the dispute and indicated that the account has been withdrawn internally, their response does not fully resolve the issue as it relates to my credit report. Specifically, the response does not clearly confirm that the * * tradeline associated with Waypoint Resource Group has been permanently deleted from all credit reporting agencies * *, nor does it provide written assurance that the account will not be reinserted or reported again in the future.…

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WAYPOINT RESOURCE GROUP I just noticed that your company is reporting the following account listed below on my credit report. Account number : XXXX, Please validate this debt. Please investigate and get back to me Fast. This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof of how your company assessed the outstanding debt. 5. Payment history from the original creditor. 6. Name and address from the original creditor. 7. Copy of the original contract bearing my signature. 8.…

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Complaint against XXXX ( XXXX ) and XXXX XXXX XXXX I am filing a complaint regarding an inaccurate debt that has been reported to collections and is now negatively impacting my credit report. Approximately XXXX years ago, I cancelled my service with XXXX ( XXXX ). At the time of cancellation, I spoke with XXXX separate representatives who both confirmed that my account had a {$0.00} balance and that no further payment was owed. Despite this, I was later contacted by a collection agency claiming I owed a balance related to this account. This debt is not valid. I relied on the information provided by XXXX representatives at the time of cancellation and was explicitly told the account was fully settled. As a result of this error : A collection account has been placed on my credit reports My credit score has been damaged despite an otherwise spotless credit history

I am disputing an account currently reported by Waypoint XXXX XXXX that was previously handled by XXXX and removed from my credit report in 2025. I do not recognize this account, and I have no documentation showing I owe this debt. XXXX previously verified this account, but Waypoint has not provided any valid, verifiable proof of the debt. Reporting an account that was previously deleted and can not be verified is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that only accurate, verified information may be reported. By continuing to report this account without verification, Waypoint and Equifax are damaging my credit. I request that CFPB investigate this matter and ensure that this account is removed from my credit report immediately unless Waypoint provides full, verifiable documentation of the debt in accordance with FCRA requirements.

To Whom It Concern : i am sending this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification " or poof of my mailing address, but request for VALIDATION made pursuant to the above named Title and section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. please provide me with the following : what the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; provide me with copies of any papers that show I agreed to pay what you say I owe ; proved a verification or copy of any judgment if applicable identify the original creditor ; prove the statue limitation has not expired on this account ; show me that you are licensed to collect in my state ;…

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