FirstPoint Collection Resources

I am submitting this complaint because I am the victim of identity theft, and inaccurate collection accounts continue to be reported on my credit reports despite my repeated efforts to have them corrected. My credit reports currently contain XXXX derogatory collection accounts reported by FirstPoint Collection Resources in the amounts of * * {$220.00} * * and * * {$470.00} * *. These accounts do not belong to me and are the direct result of identity theft. I did not open, authorize, or benefit from the accounts that led to these collection activities. After discovering the fraudulent information, I immediately filed an FTC Identity Theft Report and notified the credit bureaus and the debt collector that these accounts resulted from identity theft. I requested that FirstPoint Collection Resources investigate my identity theft claim, stop reporting these fraudulent collection accounts, and notify the credit bureaus to remove the inaccurate information.…

I am filing this complaint against FIRSTPOINT COLL RESO regarding a collection account being reported on my credit report in the amount of {$120.00}. The account was last reported on XX/XX/XXXX, and is showing as an open balance. The account shows an opened date of XX/XX/XXXX, with the account status listed as open and the responsibility listed as individual. The original creditor is listed as XXXX XXXX. I am requesting that FIRSTPOINT COLL RESO provide full written validation of this alleged debt and explain the basis for reporting this account to the credit bureaus. I am requesting copies of all documents used to verify this debt, including the original agreement or policy, billing statements, final balance statement, account number, dates of coverage, cancellation notice if applicable, and proof that I am legally responsible for this {$120.00} balance.…

FirstPoint Resources ( XXXX, NC ) is reporting a collection account to XXXX, in my name, that is not mine and is the result of identity theft. Account number on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor reported : XXXX XXXX ( placed through XXXX XXXX per FirstPoint ) Alleged balance : {$96.00} Date Opened reported : XX/XX/XXXX I have never had any insurance policy with XXXX XXXX. I have never had any policy or quote through XXXX XXXX. I never signed any application, never paid any premium, never received any product or service, and never authorized the opening of any account in my name. I never received a validation notice under 15 U.S.C. 1692g ( a ) and I never received the 1681s-2 ( a ) ( 7 ) furnisher notice. I have filed : ( XXXX ) FTC Identity Theft Report at XXXX on XX/XX/XXXX.…

I am submitting this complaint regarding a collection account that FirstPoint Collection Resources is attempting to collect. I do not recognize this debt, I do not know who the original creditor is, and FirstPoint has not provided any information that would allow me to identify or verify the account. FirstPoint has been calling me repeatedly about a debt I have no knowledge of. I asked them to provide the full account number, the original creditor, the date of the alleged debt, and documentation showing that the debt belongs to me. They have not provided any of this information. I also requested debt validation as required under the FDCPA. FirstPoint has not sent a validation letter, has not provided proof of ownership, and has not provided any documentation showing that I owe this debt. Despite this, they continue to contact me. I checked my credit reports, and there is no clear account number or identifying information that would allow me to determine what this debt is for.…

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 two parties and I did not participate in any of it. More so they didn't follow the proper 5 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 previously disputed this collection account with XXXX due to inaccurate and incomplete reporting. The account lists the collection agency as the original creditor and does not clearly identify the actual original creditor associated with the alleged debt. I do not have knowledge of this account, and I have not been provided adequate documentation or verification to support the reporting of this debt. Despite my dispute, the account was verified without correcting the inaccurate reporting or providing sufficient validation. Under the Fair Credit Reporting Act, credit reporting information must be complete and accurate. I am requesting a proper investigation into this matter. If the furnisher can not provide competent verification and accurately identify the original creditor, this account should be deleted from my credit report immediately.

I previously disputed this collection account with XXXX due to inaccurate and incomplete reporting. The account lists the collection agency as the original creditor and does not clearly identify the actual original creditor associated with the alleged debt. I do not have knowledge of this account, and I have not been provided adequate documentation or verification to support the reporting of this debt. Despite my dispute, the account was verified without correcting the inaccurate reporting or providing sufficient validation. Under the Fair Credit Reporting Act, credit reporting information must be complete and accurate. I am requesting a proper investigation into this matter. If the furnisher can not provide competent verification and accurately identify the original creditor, this account should be deleted from my credit report immediately.

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer reports recently.

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.…

My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The last four digits of my Social Security Number are XXXX. I am writing to formally dispute a debt collection account with FIRSTPOINT COLL RESO, identified by account number XXXX. The current balance of this account is {$250.00}, and it is reported as being in collections. This debt is not mine, and I have no knowledge or record of this account. I have already filed a dispute regarding incorrect details with an autoblast on XX/XX/XXXX, but the issue remains unresolved. I am particularly concerned about the negative impact this incorrect information has had on my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This erroneous collections account is causing significant harm to my creditworthiness and financial reputation. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute a debt and request that it be validated.…

My name is XXXX XXXX, and I am writing to formally dispute a debt collection account mistakenly attributed to me by FIRSTPOINT COLL RESO. The account number in question is XXXX, and it currently shows a balance of {$250.00} in collections. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. I have no knowledge of this debt, and it is not mine. This error has adversely affected my credit scores across all major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). It is crucial to note that I have filed a prior dispute concerning incorrect details with an autoblast on XX/XX/XXXX, but the issue remains unresolved. The Fair Credit Reporting Act ( FCRA ) mandates that only accurate information be included in consumer credit reports. Therefore, I am requesting an immediate and thorough investigation into this matter, followed by the complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX.…

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.