Consumer complaint received 2022-05-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX Fidelity Creditor Service XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX RE : XXXX Debtor : XXXX XXXX XXXX Amount : {$6700.00} original amount of debt To whom it my concern, I would like to contest these above charges, due to me not living at XXXX XXXX XXXX XXXX, since XX/XX/XXXX. The new tenants moved in on XX/XX/XXXX. I was not living in the resident that XXXX XXXX is stating I owe the above amount of {$6700.00}. There is also a balance of {$7500.00}, which I assume is interest. Per the Texas guidelines you are not able to charge interest on a property debt. This is a violation, which is one of the reasons that this should be removed because it doesnt meet the FCRA guidelines. These are some other violations I would like to mention : misstating the balance and never notifying me of the debt. I never received anything from XXXX XXXX or Fidelity Creditor Service stating that I owed a balance and why. There is no proof that I was living in this residence at the time it was reported. After, speaking with XXXX XXXX the representative for XXXX on XX/XX/XXXX, he stated that, I trashed his house. He stated he had pictures and video of the residence, that he would provide to me, but he never has. I have reached out to him and his sister on several occasion with no response. He also stated that he had to put the tenants up in a hotel, I requested those receipts and the extension of the rental truck that they had rented to move. He has not produced any of this information. He never gave me a date that the house was trashed, but you could clearly see where I was living from XX/XX/XXXX to present by looking at my credit report. Why would XXXX XXXX wait a year and a half to report this to Fidelity and not send me this information to my email address, which he has had and also my phone number? Without proper proof that I was living there in XX/XX/XXXX, I request that this item be removed from my credit report immediately. The FCRA 609 and 611 violation reads : Section 609 of the FCRA gives consumers the right to request all information in their credit files and the source of that information and Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Creditor if he has provided you the video and pictures, I request that you send this to me at the address that I have provided XXXX XXXX XXXX XXXX XXXX, Texas XXXX or my email address is XXXX I have lived here since XX/XX/XXXX, prior to that I was living with family at XXXX XXXX XXXX XXXX XXXX, Texas since XX/XX/XXXX. This debt is not something that I incurred. I would like this item mention above to be reinvestigated with proof that I incurred this charge with pictures, video and receipts from the landlord for the repairs of the damage home. Please remove this derogatory item from my credit report or send proof of why this debt has been put on my report. 
Thank you, XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation