Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
I received an email from XXXX notifying me of a " new account '' on my XXXX report ( approx XX/XX/XXXX ). I didn't see this email until early XXXX. Only saw it because I saw a huge difference in my XXXX report compared to XXXX and XXXX ( almost XXXX points lower ). Around XX/XX/XXXX I contacted XXXX and filed a dispute on the new account. I also called the reporting creditor ( WAYPOINT RESOURCE GROUP LLC, XXXX ). 

When I called Waypoint Resource Group I was immediately asked for my SSN. I said " I will not provide this information as I already suspect a fraudulently filed collection account from your company. I would like to request some documentation of this '' They transferred me to the right department, because the first person only worked with XXXX, and mine was XXXX. Upon transfer the first question again was for my SSN. I said " I will not provide this, but I can answer other questions for you '' I provided my name and then she asked a series of identifying questions which I answered yes, yes, yes. then she said an address I didn't recognize. I said what is the city? She said somewhere in Ohio. " Nope, that's not me, I have never been to Ohio in my life, and I have no accounts with any business in Ohio. Can you tell me how old this account is or provide me with some more info because it shows to be a high credit limit of under {$300.00} but the collection report shows over {$2000.00}. '' This is when she hung up on me. 

10-12 days later I get another email from XXXX. This time the item from WAYPOINT has escalated from " new account '' to " delinquent acccount ''. I contacted XXXX again to inquire. They said the dispute was " closed '', meaning they have dismissed my dispute. Also told me I could " re-dispute ''. I said yes please, and I told the chat representative I believed the reporting business to be fraudulent and relayed my experience when calling them. She provided me a dispute file number and ome other info how I could provide documentation ( which does not exist due to me having NEVER done business with this company ). They also gave me contact info for WAYPOINT RESOURCE GROUP LLC ( which was also WRONG ) When I called the phone number there was a message to call a different number. When I called the number provided I had basically the same experience as the first time. " What's your SSN '' ( not provided ). Let me transfer you to the XXXX team. " What's your SSN '' ( not provided ). This time however they wouldn't even look up the account. I said I was trying to get some documentation on the account they had filed against me, provided my First and Last name only. She asked my address I said I don't know the address you have on file because I have never lived there. Then she hung up on me. 

I believe WAYPOINT RESOURCE GROUP LLC is fradulently filing collections on people and they need to be investigated. XXXX is not doing their job of investigating them.

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