Consumer complaint received 2015-06-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (NV)

I was in the process of refinancing my house and had my credit pulled XXXX XXXX/XXXX/2015 XXXX showed a collection owed to Rapid Cash XXXX of the amount of {$450.00}, I have never done any financial business with this company. I was advised by my loan officer to dispute it with XXXX, I submitted the dispute and on XXXX/XXXX/2015 I received a letter from XXXX stating that the account was valid and it belonged me, I called XXXX and they stated that the creditor verified it was my name, social, and date of birth. They told me to call the original creditor which I did as soon as I hung up with them, I spoke to a customer service and a supervisor from XXXX the collecting agency for Rapid Cash XXXX listed on my report, and they could not find me in their system, they tried looking me up through name, social, dob and address and nothing was coming up for me from Rapid Cash and they stated that the account number on the report was not even a valid account number. XXXX XXXX confirmed that I had no debts or having ever done any business with them so they told me to redispute with XXXX and mention who I talked to when I talked to them and what I was told, I immediately hung up with them and called XXXX and was told they were going to redispute it and add the additional information I was given by the creditor. I waited another 30 days and again it came back as valid, before I called XXXX I called XXXX XXXX again on XXXX/XXXX/2015 and spoke to another supervisor who again could not find me in the system they looked up name, social, dob, and address and and again. The lady I spoke to stated that she does n't see how XXXX could say its valid when I am not even in there system. I told XXXX XXXX if they can give me something in writing saying I do n't have a debt with them and they said since I am not in their system I ca n't be giving a letter stating something I do n't have. XXXX XXXX told me to contact XXXX and ask them how they are investigating and how they keep coming to the solution. I called XXXX XXXX/XXXX/2015 again and the customer service just kept repeating herself of redisputing I told her I already have redisputed it XXXX and that no one is helping, I asked her how they investigated that it was mine? like who they spoke to? was it electronic? etc. and she refused to answer me, she just kept repeating herself. I asked her that I wanted to speak to a supervisor and she just kept repeating herself that I needed to re dispute and refusing to get me to a supervisor, not until I mention that I could sue them for credit damages is when she transferred me to a supervisor. A supervisor got on the phone and just kept telling me that my name, social, dob and belongs to that debt. I tried explaining to him the situation and all he kept doing is repeating the same thing, I asked how they do their investigations? and he says they call the number on file the creditor and when I asked for that number he stated he could not provide that to me because the creditors have it, I said I have a right to know what number is being used for something that is affecting my credit report. I even told them I give them permission to call them while I am on the phone and he said that XXXX can not do that, and he just kept repeating himself not listening saying I just had to redispute and that my name, social, dob belong to that creditor, i hung up on them out of pure frustration it was like talking to a wall. So at this point Im going on 3 months of XXXX blaming XXXX XXXX, XXXX XXXX blaming XXXX and nothing getting fixed and no one is doing nothing to get it fixed, I am at a stale mate. This has affected me greatly since I locked my rate for my refinance and ended up with a higher rate just because of an XXXX points difference which Im sure I would of had, had this debt not been there to begin with or at least corrected in the last 2 months.