Consumer complaint received 2023-11-27
Company: FirstPoint Collection Resources
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXXXXXX posted a negative inquiry on my credit report that i did not recognize and was not authorized by me because I was in XXXX in XXXX and is in violations of 15 U.S.C . Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my disputes on XXXX XXXX XXXX XXXX XXXX posted a negative inquiry on my credit report that i did not recognized and was not authorized by me because I was XXXX in XXXX  and is in violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my disputes on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX posted a negative inquiries on my report that I did not recognized and was not authorized by me because i was XXXX  in XXXX XXXX and was done in violation of 15 U.S.C . Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I filed my dispute on XXXX XXXX XXXX XXXX  posted a negative inquiry on my credit report that i did not recongnize and was not authorized by me because i was XXXX in XXXX and is violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my dispute on XXXX XXXX XXXX XXXX XXXX posted a negative collection account on my credit report that I did not recognize and was not authoried by me because i was XXXX in XXXX which violates 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). 
XXXX XXXX XXXX Posted a negative collection account for {$1300.00} on my credit report through XXXX XXXX XXXX in which was closed then charged-off/ and sent to its internal collections department which is activily reporting through XXXX which shows that 100 % of the payments were paid on time. Once a account is closed and debt/ balance is charged-off there can be no collection on that account for the debt has been discharged by the original creditor. 
* XXXX XXXX XXXX XXXXXXXX an collection agency for original creditor XXXX XXXX XXXX posted a negative collection account for {$2800.00} on my credit report through XXXX and XXXX in which the original date of the opening of the account was XX/XX/XXXX. This account was charged-off and closed which means the debt/ account was discharged by the original creditor and thus no debt should be sent to any collection agency. I do not recognize this account and was not authorized by me and is in violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). 
* XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported to XXXX, XXXX and XXXX an closed overdue automotive loan account in my name for {$13000.00} in which 44 % of the principle balance was paid leaving the remaining balance of {$7300.00} due. On XX/XX/XXXXXXXX XXXX XXXX the vehicle was repossessed and foreclosed/ the remaining balance was on the account was closed and charged-off and the unpaid balance was reported as a profit and loss write-off by the Creditor. By doing so the creditor canceled/ discharged the remaining debt between the creditor and debtor, and releasing the debtor of any further obligation to any debt. SO i do not recognize these accounts because they are fraudulent and incorrect because no debt is owed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX reported to XXXX XXXX XXXX and XXXX an {$5000.00} unsecured loan account was opened in my name and only 87 % of the balance was paid leaving a remaining balance of {$4300.00} on the account. In XXXXXXXX XXXX the account was closed and the remaining unpaid balance was canceled/ discharged and reported as profit or loss write-off by the Creditor. By doing so all debtors obligations were eliminated thus I do not recognized these activities and they were not authorized by me as they are fraudulent and incorrect as shown on my credit report

Company response to consumer: Closed with explanation