Consumer complaint received 2017-07-19
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing credit reporting with XXXX XXXX/XXXX XXXX XXXX for approximately 6 months. When the account first appeared it appeared as XXXX XXXX XXXX and approximately 2 months ago XXXX XXXX assigned the account to a 3rd party collector XXXX XXXX XXXX to collect on their behalf. I have sent six request for validation ( 2 to XXXX XXXX and 4 to the credit bureaus ) of this debt to XXXX XXXX and two ( one to XXXX and one to credit bureaus ) to XXXX XXXX XXXX. In return I have received every response from a fraud alert to being called frivolous to a letter stating more time is needed to validate, and the many bill associated with this account HOWEVER neither company has validated the account. I also explained in all letters that I was informed by the credit bureaus that there is a mixed credit file with my name and account, which is also why validation of ALL of my accounts are imperative. At this point I feel my rights are being violated as under the FDCPA, I have the right to request a validation of this debt and these companies are legally obligated prove that I am indeed the party who is contractually obligated to pay off this debt. Over and over again I have asked these companies for A ) a copy of the agreement with my signature, that authorizes XXXX XXXX XXXX  to collect on this alleged debt. B ) And for a copy of the agreement that bears my signature where I promises to pay the original creditor. In return I have received nothing but bills, which are legally not an acceptable form of validation. When I try contacting the companies by phone I get nowhere. On my credit report I dont have a complete account number and when I call both companies because I am unable to get past verification, as the account is not mine, I get nowhere in clearing up the matter. Both companies told me to request information in writing however when I did that I still got nowhere. When I am contacted by phone, its like a circus. On XX/XX/17 I spoke with XXXX agent XXXX at extension XXXX and was told because the information doesnt match he cant do anything about the account but remove the contact information. When I asked since they are aware that it is not my account what is done? He stated that all they are instructed to do is remove the contact information. When I asked do they at minimum forward the files to another department to get them removed and he said no. When I referenced they are knowingly reporting false information he responded, we cant talk to you because the information doesnt match. I get the same like response from XXXX XXXX. They know the information dont match but refuse to talk or give me directions to remove it or remove it themselves. I also feel like XXXX XXXX XXXX  is in violation of Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. In the last complaint response XXXX  stated they are the first party creditor however they are not. On my credit report the account is listed as purchased from XXXX XXXX and when I spoke with the supervisor at XXXX on XX/XX/2017, he stated that XXXX is assigned accounts from XXXX XXXX for collection, both of these situations suggest that XXXX  is acting as a 3rd party collector and in accordance to the Texas secretary of state website, XXXX   is not bonded to collect in Texas which makes all of their collection efforts illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation