FirstPoint Collection Resources

I am filing this complaint against FirstPoint Collection Resources ( XXXX Commerce Place, XXXX XXXX XXXX, XXXX, NC XXXX ) for failing to provide adequate debt validation in response to my written dispute, and for continuing to report an inaccurate and disputed debt to consumer reporting agencies. Account Information : FirstPoint Collection Resources is attempting to collect {$510.00} on behalf of XXXX XXXX XXXX XXXX XXXX, related to utility account # XXXX for a property at XXXX XXXX XXXX, XXXX, OH XXXX. This account appears on my XXXX credit report as a collection ( Equifax confirmation # XXXX, XX/XX/XXXX ). My Dispute and Supporting Documentation : On XX/XX/XXXX, I submitted a written dispute to FirstPoint via their website and followed up via email on the same date.…

I have been contacted by this company while at work 15 times and was told I am going to pay this bill. I have advise the person I spoke with that I am in communication with XXXX XXXX XXXX and waiting to here back from them with an itemized bill .I have asked to keep the communication with me through mail and not contacting me by phone. They proceed to keep calling me each day and it is becoming harassment .This is why I am filing this claim.

Hippa violation they reported my owed debt who I work for this company the hospital. Please get them to delete collections this is illegal to report collections

As a XXXX XXXX XXXX XXXX, I, XXXX XXXX, invoke my rights under the FCRA, the Identity Theft and Assumption Deterrence Act, and the FDCPA. These federal laws protect consumers against unauthorized use of personal information, guarantee the accuracy and integrity of credit reporting and debt-collection practices, and prohibit harassing or deceptive collection efforts. FirstPoint Collection Resources Inc continued attempts to collect a debt resulting from the fraudulent misuse of my identity have inflicted further harm. The fraudulent information is : 1. FirstPoint Collection Resources , Inc . 2. ACCT : XXXX 3.…

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including XXXX v. Trans Union Corp. ( XXXX ) and XXXX v. BEH-1, LLC ( XXXX ), establishes that credit reporting agencies must go beyond superficial or automated verification methods.…

I am writing to formally dispute multiple collection accounts that have been reported under my name and assigned to First Point Collection Resources on your behalf. The accounts in question reflect balances of {$390.00}, {$630.00}, and {$220.00}. I am disputing these amounts as inaccurate and not representative of any valid debt that I owe. I have maintained an active auto insurance policy with XXXX XXXX XXXX and have not terminated my coverage. Any charges that may have been generated appear to be the result of policy changes, billing adjustments, or internal accounting errorsnot legitimate delinquent accounts. Despite my attempts to resolve this matter, I have not been provided with a clear explanation or accurate accounting of these charges. Reporting these amounts to a collection agency while I remained an active customer is improper and has caused harm to my credit profile.…

Collection agency is reporting an account that has been paid directly to the original creditor and is no longer owed.

Its called FIRSTPOINT COLL RESO it says I owe {$340.00} it was opened XX/XX/year> ( XXXX XXXX ) I am not acknowledging this debt. I do not recognize this account. I was XXXX during the time it was opened. I am requesting full debt validation, including the original creditor, contract, and proof this account belongs to me. Please send it to me in writing.

I am not aware of this debt requesting verification of ownership

Validation of Debt Request - FIRSTPOINT COLL RESO ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXXXXXX 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.

XX/XX/year> @ XXXX pm XXXX. Informed the company of my new address multiply times never once sent me any thing in the mail. I worked for the company also so they had my new address. Only thing I received was text messages.

Says I owe them but I have no acknowledge of who they are

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.…

I am disputing an account that appears on my credit report with XXXX XXXX. I did not receive any service from this company, and I am not liable for additional charges. Despite my attempts to resolve this directly with the company and the credit bureau, the account remains on my credit report. I request that the company and the credit reporting agencies investigate this account. Under the Fair Credit Reporting Act ( FCRA ), inaccurate information must be corrected or removed. I am asking that this account be removed from my credit report because it is incorrect, and I have no obligation to pay it. Please confirm the removal of this inaccurate account from my credit report .

Validation of Debt Request - FIRSTPOINT COLL RESO/XXXX XXXX XXXX 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.

A collection account is being reported on my credit file by FirstPoint Collection Resources for {$100.00} that I do not owe. After contacting the collection agency, I was informed the alleged debt is from XXXX XXXX ( XXXX ) for an auto insurance policy opened on XX/XX/year> for a XXXX XXXX. This account is fraudulent. The information used to open the policy does not match my identity. The account has the same date of birth but a different address, a different drivers license number, and a different last name combination than mine. I only have one last name. I did not open this account, authorize this policy, or receive any services related to this debt. This appears to be identity theft. I have requested debt validation and am filing an identity theft report. I am requesting that this fraudulent account be investigated and removed from my credit report.

To Whom It May Concern, I am submitting this formal complaint regarding an improperly reported collection account furnished by FirstPoint Collection Resources, which is reporting a debt without providing legally sufficient proof that it has the authority to collect or report this account. This complaint concerns violations of the Fair Credit Reporting Act ( FCRA ) and applicable federal consumer protection standards. Account XXXX XXXX XXXX : FirstPoint Collection Resources Account Number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Allegedly Owed : {$230.00} Account Status : Closed / Collection / Charge-Off Reporting Bureau : Equifax Dispute XXXX : Consumer disputes this account information Failure to Provide Proof of Legal Assignment FirstPoint Collection Resources XXXX XXXX this account as a collection obligation without producing any valid proof of assignment or ownership.…

This correspondence constitutes formal notice that FirstPoint Collection Resources has unlawfully obtained, accessed, and/or used my consumer report without permissible purpose or authorization, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have never provided your company with written, verbal, or implied authorization to access my consumer credit file. As such, your actions constitute a willful violation of 15 U.S.C. 1681b, which strictly limits the circumstances under which a consumer report may be obtained. No such circumstance applies here. Additionally, pursuant to 15 U.S.C. 1681c-2, any information resulting from an identity misuse, unauthorized access, or lack of lawful purpose is required to be blocked and deleted immediately. Your continued reporting, collection activity, or verification of this account after receipt of this notice will be considered knowing and intentional noncompliance.

I began receiving text messages from First Point collection. Since XX/XX/year> saying I owe money for car insurance which doesnt make since because if you dont pay for car insurance you dont get car insurance it just candles I have car insurance with state farm I told XXXX XXXX XXXX XXXX was canceling because they were taking advantage of me and over charging. Put me on hold stopped answering calls. They say I owe {$180.00} when my car insurance was {$300.00} a month so that doesnt make sense either. Never got a letter in the mail or anything just texts every few days.

Company : FirstPoint Collection Resources , Inc . Amount : {$2200.00} Subject : Dispute of Collection Account Failure to Verify Ownership and Authority To Whom It May Concern, I am submitting this complaint to formally dispute a collection account being reported by FirstPoint Collection Resources , Inc. regarding an alleged debt in the amount of {$2200.00}. I dispute the validity of this account because FirstPoint Collection Resources has failed to provide adequate documentation demonstrating that it has the legal right to collect this debt or to report it to the consumer reporting agencies. Specifically, FirstPoint Collection Resources has not provided : Proof of ownership of the alleged debt, including a complete chain of title showing lawful assignment Documentation demonstrating that my specific account was included in any sale or transfer Proof of authorization to collect on behalf of the original creditor, if the debt was not purchased A complete and accurate itemization of…

They called me today XX/XX/XXXX at XXXX and I picked up the call not knowing who it was. This is the first time I have spoken with anybody over the phone at all about this alleged debt. She said there were XXXX accounts from a radiology clinic. XXXX from this year which I am aware of and was supposed to be covered by workers comp so I am in the process of dealing with that and then XXXX from XXXX for a few XXXX dollars that I wasnt sure about. She also said it was XXXX to credit reporting ( aka its not even on my credit report ). I requested for written verification of the debt via mail since I wasnt sure what she was referencing and she said they dont do that and theyre only required to notify me which is what she was doing.…

This letter serves as a formal and final request factual validation of the alleged XXXX XXXX account you are reporting under my name. I dispute this account in its entirety. The document you provided a billing statement from your client, XXXX XXXX does not constitute verifiable evidence under the Fair Credit Reporting Act ( FCRA ). A billing statement alone does not establish ownership, responsibility, or legal obligation, nor does it prove that I ever resided at, leased, or received services at the alleged service address. To date, you have failed to provide any competent documentation demonstrating : - That I ever resided at the referenced property - That I entered into any agreement with XXXX XXXX - That I authorized utility service at that address - That I am the lawful account holder - That you possess the legal right to collect or report this alleged debt Additionally, during my own investigation, I was advised that the referenced property was not occupied and was not leased…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Point XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX Re : Account # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. Collection for a balance of XXXX reporting to XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.…

I have not knowledge of this debt. I have requested XXXX times that they validate the debt. Still no response.

I maintained auto insurance with XXXX XXXX through XXXX XXXX XXXX in XXXX, NC. My policy was on autopay. In XXXX, I traded in my vehicle and obtained a new one. XXXX XXXX was no longer the best insurance option for the new vehicle, so the policy was canceled prior to renewal. The final payment was paid through autopay. After cancellation, XXXX XXXX assessed a {$100.00} cancellation fee. This fee was never billed to my card on file, and I was never notified that a balance remained due. I only became aware of this alleged balance after it appeared as a collection account on my credit report. The collection agency, FirstPoint Collection Resources, claims they can not remove the collection from my credit report even if paid, and that only XXXX XXXX can authorize removal. I contacted XXXX XXXX directly, spoke with a representative named XXXX, and paid the balance in full. I was informed that the matter was resolved and that the account should be removed.…

First Point Collection Services emailed me threatening to sue me for a debt not owed and threatened to collect exempt funds. As a permanently XXXX XXXX Veteran my funds are exempt from the claims of creditors. They refuse to validate this debt and I will not tolerate being harassment or tolerate abusive language.

First Point XXXX XXXX contacted me about a debt I do not owe. I know my bills and I never took a loan with a XXXX XXXX XXXX. The email contains numerous violations of the FDCRA. They are Impersonating an attorney and making threats and using harassing language in their email.

I am filing this complaint regarding FirstPoint Collection Resources. They are reporting and attempting to collect a debt that is the result of identity theft. The account is listed as originating from XXXX XXXX XXXX XXXX in the amount of {$850.00}. I did not open, authorize, or benefit from this account. I have never had an account with XXXX XXXX XXXX XXXX. I have filed an Identity Theft Report and am providing supporting documentation. Under the Fair Credit Reporting Act Section 605B, this fraudulent account must be blocked and removed from my credit reports. FirstPoint Collection Resources is attempting to collect a debt I do not owe and is reporting inaccurate information. I am requesting immediate deletion of this account from all credit bureaus and written confirmation that collection activity has ceased.

Unlawful Contract Modification and Unauthorized Charge by XXXX XXXX I am submitting a formal complaint regarding XXXX XXXX for unlawful billing practices, unauthorized charges, and improper contract modification without my consent. I have been a XXXX customer for over five years. When I signed my original contract, there was no requirement to provide a 30-day cancellation notice. XXXX recently charged me for an additional month ( {$55.00} ) solely based on a contract update that I never received, never reviewed, and never agreed to. XXXX claims they sent emails about updated contract terms, but email notifications do not constitute legal consent, nor do they override a written signed agreement. XXXX has not provided : a copy of the original signed contract, proof that a 30-day notice clause existed, or any documentation showing that I agreed to new terms.…