HSBC North America Holdings Inc. Credit card department,
I had delt with unknown collection for an HSBC card in my name opened in -. I am a military spouse we move a lot and I have never received any correspondence from this company. After sending certified letters to two collections departments claiming they owned the same HSBC account for debt validation in wich I have certified mail recipts and other documentation. The only company who responded was mcm with a letter stating based on my information sent they would remove there collection activity from all - reporting agencies since they where the owner of the account because when contacted HSBC directly they had closed it with no knowledge of my SS or Name. I have since disputed this with expierian who took the account off derogatory accourding to my - rights. Also I have disputed this with -. Based on this I am asking - to stop reporting this account as derogatory. Dept valitation was never given to me in the form of what was asked as my signature on the said credit card and any sort of proof of debt other than just saying it was put under my name and social is not acceptable as anyone can do that with that information. Until I am provided with a complete investigation and documents sent to me with last payment canceled check or proof of any liability this should not be reported as derogatory. I have been asking for this since - and have had many - violations commited and will with all my power give over all my recored documentation to the appropriate channels.
HSBC North America Holdings Inc. customer in Tennessee
Jan 18, 2016
* Source: CFPB Complaint Database
HSBC North America Holdings Inc. response to complaint:
Closed with explanation
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