Account Resolution Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 639XX	Web
On XX/XX/XXXX, I received a call from Account Resolution Corporation, seeking collection on a debt from XX/XX/XXXX. I told them I believed that was in error, as I had paid XXXX XXXX ( the hospital involved ) for a service from that month. I then attempted to contact XXXX XXXX. On XX/XX/XXXX, XXXX XXXX confirmed I had a {$0.00} balance, but referred me to XXXX XXXX, where they suspected the bill may be from ( they couldn't verify any balance from XXXX XXXX ) On XX/XX/XXXX, I called XXXX XXXX at ( XXXX ) XXXX, and XXXX confirmed I had an outstanding balance of {$490.00} that had been forwarded to collections. I told her I had never received a bill, or any form of contact whatsoever, and never knew I had a balance with XXXX XXXX at all, or even that they billed separately from the hospital. Her response was that I had been sent three bills which had been " returned to sender, '' and that I should've " told them I changed addresses. '' I told her I hadn't changed addresses in years, much less since the procedure, and that they must have a wrong address on file. Her only response was that I could pick up a statement in person. I asked her if, by paying the bill, it would be retrieved from the collection agency and not reported as a collection attempt, and she said " we will try. '' Later on XX/XX/XXXX I went to their offices, retrieved a bill, and mailed a check to the address provided. On XX/XX/XXXX, the collection attempt appeared on my credit report. On XX/XX/XXXX, the payment appeared on my credit report as if I had paid the collection agency. This was false, I paid XXXX XXXX. On XX/XX/XXXX at XXXX I called XXXX XXXX again. This time, XXXX, the representative, gave me the address they had mailed my bills to : XXXX XXXX XXXX XXXX. I have never lived at that address, and it isn't even a valid address. I didn't give them that address, and I'm sure it was a clerical error on their part. He also told me that XXXX had " put the collection on a 30 day hold '' on XX/XX/XXXX. When I told him I hadn't given them that address, and that it hadn't been 30 days since the hold, he referred me to his supervisor, XXXX. I left a message in XXXX 's voicemail. On XX/XX/XXXX at XXXX, XXXX returned my message. She confirmed that my payment to XXXX XXXX for the outstanding balance had posted internally on XX/XX/XXXX. She said that the collection attempt would be removed from my credit report within " 60 to 90 days. '' When I asked her again, she confirmed that the record of the collection effort should " disappear '' at that time. This timeframe seems long, when the record shouldn't have went to the collection agency in the first place. XXXX XXXX mis-recorded my address, sent bills to that incorrect address, and when the bills returned to sender, they never called my phone number on file. Then, when I found out through a collection agency that the bill even existed, and paid it in exchange for the collection attempt being removed, it was reported on my credit report anyway, and now I'm being told to trust them, they'll remove it in 60 to 90 days. I need confirmation that this will actually happen.
01/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63114	Web	Older American
Reasons for complaint it has/is causing me great financial harm along with ruining my reputation. FACT I am NOT liable for payment due to following ; Law # 1 State of Missouri Revised State Statue-Chapter 375-Section 376.782. XXXX Law # 2 111th Congress 2nd Session PRINT 111-1, Compilation of Patient Protection and Affordable Care Act [ As Amended thru XX/XX/XXXX ] Including Patient Protection and Affordable Care Act Health-Related Portions of the Health Care and Education Reconciliation Act of 2010. Prepared by the Office of the Legislative Counsel FOR THE USE OF THE U.S. HOUSE OF REPRESENTATIVES ] XX/XX/XXXX # 3 Binding Contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Covered with NO Member Cost-Share [ updated XX/XX/XXXX ] .The Affordable Care Act [ ACA ] or health care reform law Requires XXXX XXXX to cover certain preventative care services with NO member cost-sharing. This list includes XXXX XXXX XXXX XXXX XXXX, including exam, XXXX, and including genetic testing for XXXX XXXX & XXXX XXXX when certain criteria are met. ____________ Had XXXX [ XXXX ] at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. & reading/diagnostic by [ affiliate ] XXXX XXXX XXXX. XXXX XXXX sent me a billing statement I called numerous times & sent letter explaining I was not liable for payment per XXXX. On XX/XX/XXXX XXXX XXXX sent me to Account Resolution Corp., XXXX XXXX, XXXX, MO XXXX for medical non-payment of {$140.00}. Ive learned this was for reading of my XXXX by XXXX XXXX XXXX XXXX [ affiliate ]. XXXX XXXX NEVER should have sent me to collection agency due to above mentioned two [ 2 ] LAWS & the fact of having a Binding Contract with XXXX XXXX stating same as laws. Received notice thru letter [ XX/XX/XXXX ] from Mr. XXXX XXXX at Account Resolution Corp., Acct. xxx, XXXX File # xxxx. Called [ XX/XX/XXXX ] & explained I am NOT responsible for payment per XXXX because its a Preventative Screening Test my Primary insurance XXXX XXXX XXXX XXXX is responsible for payment. He said he would call them. I applied for a loan in XX/XX/XXXX started receiving lots of rejection letters due to DEROGATORY PUBLIC MARK on my Credit Report for medical non-payment. Called Mr. XXXX he said he sent me to the 3 Bureaus [ NEVER should have sent me per above ] because he received a generic standard letter [ no real or supporting information ] from my Primary Insurance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ID # xxx, XXXX XXXX, XXXX, GA XXXX, [ customer service ] XXXX. Mr. XXXX said I should be happy-only {$35.00} is left on account. I Asked who, when & why wasnt full amount paid since it was paid on? He replied, He did not have that information in his/my file. [ hung up on me ]. Sent Mr. XXXX letter [ XX/XX/XXXX ] asking if he thought I was responsible for payment to send me documentation. Also, Record fact I am disputing having any obligation for this debt. Along with letting the 3 bureaus know Im disputing. [ never heard a reply from Mr. XXXX to date ].
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company ( Account resolutions Corp ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77498	Web
This company ( Account resolution corp ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
03/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 630XX	Web
I have three that are on my consumer report from Account Resolution. The amount of the the accounts are {$56.00}, {$200.00}, and {$150.00}. Account Resolution did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Account Resolution attached a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). Account Resolution also said that another company " referred '' the alleged debt. Any referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? A sale, transferal, nor referral subjects me to any unlawful act under the FDCPA. No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Account Resolution to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Account Resolution stating all facts which includes each violation and the damages that you have caused me.
06/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
ACCOUNT RESOLUTION CORP XXXX XXXX XXXX XXXX MO XXXX Acct # XXXX Amount : {$280.00} Dear ACCOUNT RESOLUTION CORP, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 1. Please provide breakdown of fees including any collection costs and medical charges. 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent via CFPB, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
12/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63031	Web	Servicemember
I sent a certified letter dated XXXX/XXXX/XXXX and my ask was. After viewing a copy of my credit report, I noticed a collection account placed on my credit from Account Resolution Corp opened on XXXX/XXXX/XXXX and reporting balance {$250.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
12/03/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75038	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/11/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63366	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/16/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/11/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63366	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
06/09/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
10/24/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63031	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/17/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/17/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX XXXX XXXX XXXX XXXX., XXXX U.S. XXXX, XXXX. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. XXXX, XXXX XXXX XXXX XXXX Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 620XX	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT RESOLUTION CORPORATION for committing identity theft. I have never given ACCOUNT RESOLUTION CORPORATION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from ACCOUNT RESOLUTION CORPORATION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ACCOUNT RESOLUTION CORPORATION can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Debt Collector ) continues its collection efforts, I will file for litigation for actual damages caused and ( Debt Collector ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
02/22/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
03/04/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
11/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76227	Web
On XX/XX/XXXX I submitted a CFPB complaint against ACCOUNT RESOLUTION COR for inaccurate misleading information being reported on my credit report. On XX/XX/XXXX still working to validate accuracy of the data furnishers. Well I will start by telling you its been well over 7 months and ACCOUNT RESOLUTION COR has failed to provide me with the original contract with my wet signature that I requested from them. Because this is a fraudulent, inaccurate, misleading account that XXXX refuses to remove due to the monetary gain they receive from selling negative account information on Consumers Reports. I been trying to solve this problem for some time with ACCOUNT RESOLUTION COR, they put fraudulent inaccurate items on my credit report without permissible purpose. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. ACCOUNT RESOLUTION COR is not able to provide requested proof of alleged debt. ACCOUNT RESOLUTION COR continues to report inaccurate, misleading, fraudulent items without my permission and the information is not even 100 % accurate. When in fact ACCOUNT RESOLUTION COR NEVER PROVIDED me with the original contract with my wet signature on this fraudulent medical account. Therefore you are reporting misleading false accounts. You violated someone's personal medical information and history when you put someone else medical debt on my report. You violated my personal information by adding fraudulent and misleading information to my credit reports.You can not send a list of medical procedures describing pelvic, and lumbar you are violating medical privacy laws for your monetary gain of reporting negative items. As a consumer I demand this account be deleted from my credit report immediately. Effective yesterday!
08/22/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78418	Web
I had an account from XXXX XXXX ( KS ) XXXX placed for collection with Account Resolution Corporation ( ARC ) out of XXXX, MO. I have gone back and forth with both entities about the delinquency date on my credit report. The date should be on or around XX/XX/XXXX, however it has been reported on my credit report as XX/XX/XXXX. The big problem with this is the house no longer existed as of XX/XX/XXXX as it was lost to a fire. The creditor ( XXXX XXXX XXXX ) acknowledges that the last payment was made in XX/XX/XXXX and can not explain why the delinquency is being reported as XX/XX/XXXX. When I contacted ARC about the discrepancy they said they would look into it and contact me, after a week I called them back to ask about the status and they stated that they had closed the account as a refusal to pay and would then report that to the credit bureau. I did not refuse to pay I simply asked them to report the correct date as that is older than seven years. Their only answer to this is simply that the account has been closed by them. I believe they have willfully re-aged my debt thus violating the FDCPA and I have reason to believe they have done this to many others as well as the President of the company, XXXX XXXX, who stated he is the 100 % owner of the company, told me they simply report the date of delinquency as the date they receive the file from the creditor. When asked what date the creditor had as the date of delinquency he stated XX/XX/XXXX. I said while that is incorrect, why did you then report it as XX/XX/XXXX? His answer was we date delinquencies as the date that we receive them from the creditor. So they are reporting that I am refusing to pay and they have reported the incorrect delinquency date for nearly 5 years on my credit report. They refuse to fix this. I am certain I am not alone in my story.
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MO 630XX	Web
I have 3 accounts in collections with Account Resolution Corp and have been trying to get them resolved one by one. Today XX/XX/XXXX I called to make sure a payment was received for one of the accounts which I was told by one representative it was on XX/XX/XXXX. She was about to note the account & put the request to have the account removed " adjusted '' from my credit and the call was lost. Per my last call ( before the payment ) on XX/XX/XXXX, I spoke with XXXX who advised that it would be removed from my credit and they report every Friday I believe. I was disconnected from the first rep today and didn't get her name so I called back and got XXXX. I believe I spoke with him before in the past and he was very rushy and rude and at first didn't even show I had made the payment. I was also trying to pay on another account and all he seemed concerned with was the payment which was only {$89.00}. I tried advising to him I had just talked to another rep and was disconnected and asked if I could talk to her. He never transfered the call and continued on. He never gave the mini XXXX either.I explained to him I just wanted to talk to the last person since I didn't have a lot time. I just wanted to make sure the other account was taking care of before proceeding. He said he'd have to place me on hold and look into this for the adjustment. Once I told him I would just call back and look into or contact someone else he became more irate insisting payment and made a remark that contacting someone else wouldn't do me any good. I was very upset upon the end of this call and just wanted the information to get these cleared up but I feel he was very insensitive of my situation and was very unprofessional.
10/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76227	Web
I have been disputing 2 fraudulent medical accounts with Account Resolutions in the amount of {$380.00} and {$370.00} my credit report since XXXXXXXX XXXX XXXX because I did NOT authorize these accounts and are unknown to the nature of these services or provider. I wrote Account Resolutions and the XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting validation/verification of alleged debt. I never received any proof of debt, no validation/verification of alleged debt from Account Resolutions nor XXXX XXXX XXXX Meanwhile XXXX and XXXX have since deleted the two Account Resolutions fraudulent accounts from my credit report. Hum I know why they deleted them from my credit report because they could NOT validate an inaccurate fraudulent account. I have since filed two FTC reports regarding this identity theft one on XX/XX/XXXX and the other on XX/XX/XXXX. I am a victim of Identity theft. These items on my credit report are from unauthorized use of my social security number and card. I did NOT authorize these accounts to be taken out in my name. I am unaware of any of this. My credit worthiness was impacted when I was applying and being denied for credit or could not afford the item because the interest rate was too high and false.THESE accounts have lowered my score and buying power. I have since filed my SECOND FTC REPORT # XXXX and a CFPB report today regarding this matter. Look forward to hearing from them. Account Resolutions has no problem violating my livelyhood and privacy reporting false negative items because they are making money off of these fraudulent accounts, they are BIG crooks. I demand that these fraudulent accounts be deleted from my credit report immediately.
03/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web
There is someone that has the same first, middle, and last name as me and lives about three hours away from me. I found this out when I was alerted to a debt collection on my credit report. The debt on the report was from XXXX XXXX XXXX XXXX and is being collected by the collection agency Account Resolution Corporation. I XXXX my name and found out that there is a woman with the same name that lives in XXXX, MO in her XXXX 's. I live in XXXX XXXXXXXX, MO and I am XXXX. We have different social security numbers, birthdays, addresses, etc. I called XXXX XXXX XXXX XXXX 's billing department on XX/XX/XXXX and talked to someone who admitted that the information did not match up with mine and they said that they would contact the collection agency. That did not satisfy me, so I disputed it online and then called the collection agency myself. The agency was very rude and told me that if I had identity theft I needed a police report or I needed to pay. It is not identity theft so how could I do that? They made the mistake and reported it on the wrong person. I called the billing center again and they told me that it was the same name, but not me as nothing else matched. I was told to wait until it was investigated and dropped off by the collection agency. It was confirmed that it was mine by them after I disputed it. THIS IS NOT ME. This company needs to be held accountable for negligence. In order to put collections on someone they should be required to match up ALL information.
01/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63114	Web
To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from ACCOUNT RESOLUTION CORPORATION COLLECTION AGENCY stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done. I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. This is really stopping me from securing a home loan for me and my family. Respectfully, XXXX XXXX
04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted. XXXX. They are not complying to my request to validate the debt. Also, they have failed sending any documentation bearing my signature that I have legal obligation to pay them. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to send the wet ink contract bearing my signature you should send to me the original signed contract 2. They are Identifying me as Mr. XXXX on their response, My name is : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX. FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting. It must be remove from my credit report right away. XXXX. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.
03/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63376	Web
I had a procedure at a local hospital. I received a bill for the local hospital, which I paid that week. Several months later I received a letter from the collection agency< Account Resolution Corporation, working for XXXX XXXX XXXX. The letter read, that my bill has been sent to collections. I called Account Resolution Associates who gave me the phone number of their client, XXXX XXXX XXXX, who I called immediately. They looked up my account and said I had a XXXX balance and there was nothing I could pay. I then called the hospital that sent the previous bill, they too said that I had a XXXX balance. I called the collector back and told them what their client told me. Their response was, my account showed XXXX balance becasue it was written of to debt collection. I told the collection agency to have their client send me a itemized bill so I knew what I was paying for. I never received the bill from the imaging place. I then called the collection agency again, they insisted the itemized bill was sent. I told them I would not pay the bill to them, I would pay it to Diagnostic imaging, unfortunately thay have no outstanding balance for me to pay. My debt was then sent to collections, dropping my credit score. Are their not any rules/regulations in place to keep misinformed uneducated debt collection agencies from doing this to someones credit score?
06/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30309	Web
My father had some medical bills while undergoing XXXX for XXXX. He passed away, and there were XXXX outstanding bills for XXXX. My mother had traveled to be with her sisters. I went back to the state I live in. The last of the bills were sent to my parents home. Then a collection agency ( ACCOUNT RESOLUTION CORP. ) based out of XXXX, MO sent collection notices ( to imaging sessions ) to my parents home. Ultimately they filed it under my dad 's name, and his SSN, and address with the XXXX and XXXX. The bureaus then somehow linked that with my SSN and his address. I have n't lived with my parent 's in years, different state, address, etc. However, both XXXX and XXXX reported me as having a collections report filed against me - possibly purely based on my name. My mother had kept her maiden name. So more than a year later, I receive an alert saying the XXXX charges ( totaling XXXX {$600.00} ) had n't been paid and I was delinquent. I had no idea these charges existed, the collections agency claims to have reported my dad 's SSN and address correctly. The only link was, I grew up at that address as a child. Now I have the headache of dealing with XXXX unresponsive agencies who made an incompetent mistake that is on my credit history a few weeks before I 'm applying for a home loan.
05/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66215	Web
THIS IS NOT A DUPLICATE COMPLAIN Acting as a debt collector Account Resolution Corporation is in violation of FDCPA several times. I notified them on XX/XX/2021 and XX/XX/2021 with notarized certified mail return receipt. Below is a list of the violations I alerted them of when I sent them a Cease and Desist, Affidavit of Truth with Exihibits of all violations, and invoice. I documented 18 violation they are criminally and civilly liable. Account Resolutions Corporation is civilly liable based on 15 USC 1692k. Below are the violations contained in the the Affidavit sent and the number of times each was 15 USC 1692 ( e ) ( 10 ) violated 8 times 15 USC 1692 ( b ) ( 2 ) violated 10 times Account Resolution Corporations failure to respond to the notice within 30 days is in itself a violation and warrents immediate removal of all deragatory marks from my credit report. Attached to this CFPB complaint are unnotarized copies of the notarized documents sent to Account Resolutions Corporation on XX/XX/2021 and XX/XX/2021. My affidaviat, cease and desist, and invoice are included. I have with held the exhibits because there are 16 pages todate and will continue to learn of more violations as Account Resolution Corporation is obviously in sevre violation of numerous sections of the FDCPA.
10/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 63379	Web
While reviewing my credit reports in XXXX, I discovered a collection account for Account Resolution Corporation on behalf of XXXX XXXX XXXX. I had never received a bill from either XXXX XXXX XXXX or Account Resolution Corp, so I contacted Account Resolution Corp via certified mail requesting validation of my obligation. Account Resolution not only failed to mark the item as disputed on all XXXX reports in the required 30 days, but also responded with copies of a bill with my name listing procedures and a form supposedly signed by me. The signed form gave permission to release records to XXXX entities only ( entities responsible for payment and government agencies for the purposes of determining eligibility for government benefits ), yet XXXX XXXX XXXX released records to Account Resolutions Corp who is neither financially responsible nor a government agency. This is a violation of my rights and permission was not given to provide personal information regarding my health to a collection agency. In summary, the original bill was never received from the original provider. A bill and/or right to dispute was never received from the collection agency, and to validate this debt, my personal information was given to a third party without my consent.
11/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63109	Web
I obtained my credit report and on my reports is a medical collection from Account Resolution Corporation for multiple dos that were denied ( see attachments ). The treatment I received and the dos that were denied were related to my XXXX XXXX claim # XXXX. My XXXX XXXX claim was handled by XXXX claim # XXXX, ph. XXXX. The dos that were denied are : ( XX/XX/XXXX # XXXX {$35.00} ), ( XX/XX/XXXX # XXXX {$5.00} ), ( XX/XX/XXXX # XXXX {$68.00} ) & ( XX/XX/XXXX # XXXX {$73.00} ). On XX/XX/XXXX I sent a notice letter to Account Resolution Corp. informing the medical collection agency that the collection was in correct and related to my XXXX XXXX claim, that XXXX denied as unrelated to my XXXX XXXX claim. I request that Account Resolution delete the derogatory and incorrect collections and report to the credit bureau 's. Account Resolution sent me a letter stating the debt was validated and included the medical ledgers. I called XXXX on XX/XX/XXXX and spoke with a XXXX XXXX Adjuster about the dos of that were denied and related to my XXXX XXXX claim. I was asked to fax in the medical ledger and reference adjuster XXXX XXXX and my claim # XXXX. I called to confirm receipt of ledger and was told that claim # XXXX does not exist.
02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 622XX	Web
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
08/24/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
This company ACCOUNT RESOLUTION CORP which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
06/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20770	Web	Servicemember
Account Resolution placed this alleged debt on my credit reports back in fall XXXX two years after the account was created by them. I disputed it with XXXX, XXXX, and XXXX which ARC failed to validate the debt within the allowed 30 days. XXXX and XXXX promptly removed it. XXXX however did not. When I disputed it again with XXXX ARC was allowed another 30 days which violated The Fair Credit Reporting Act ( FCRA ). With this second dispute I unknowingly give them access to my medical PII they never had rights to in the first place and the amount has on my credit report has inaccurate amount of either XXXX or XXXX dollars which another reason why it must be removed. As I wanted the matter resolved, I sent a certified letter to ARC back in XX/XX/XXXX to negotiate a account settled which they never responded to. Upon further research I found out they are in violation of the No Surprises Act ( NSA ). I want the the collection deleted off my XXXX report as they have no grounds to contest payment, never provided me any contract of paying ARC for the debt, and the alleged client has passed any statute of limitations to sue me over the alleged medical debt.
05/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 722XX	Web	Servicemember
I never received anything by mail from the collector, XXXX XXXX XXXX. The last time I was seen by XXXX XXXX XXXX XXXX was for a XXXX XXXX XXXX XXXX. The XXXXr did it on the wrong side of my XXXX. I was told by an administrator that I would not be charged. To the best of my knowledge, that is exactly what they say I owe for. I believe my debt to them was paid off by XXXX, for charges prior to that XXXX. I was not sent an itemized bill that included payments I had made or the new charges. I had no idea this collection agency was trying to collect anything from me until I saw it on XXXX XXXX in XXXX or XXXX. I tried to dispute it on that app but never saw any results. I dont believe I owe money to this collector or clinic. I should have sued after the XXXX XXXX XXXX XXXX but couldnt really afford the legal fees. They obviously knew I could have sued or they would not have quickly said I would not be charged for that day. I had even already paid a copy of {$50.00} when I checked in which was not returned. If I do owe them money, I need to see an itemized statement with both charges and payments. They have never sent one!
09/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62269	Web
Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have ( 5 ) five different amounts from Account Resolution whom they have stated I owe Account Resolution. Of these five debts, two are the same amount. ( {$200.00}, {$88.00}, {$120.00}, {$120.00}, and {$160.00} ). After speaking with a representative from Account Resolution asking repeatedly to send me documentation of these accounts, services date, signed and verifiable signature of a contract that they say I have with Account Resolution, absolutely nothing has been sent to me. I have repeatedly sent letters to the Account Resolution asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Account Resolution and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Account Resolution can furnish to me.
10/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66215	Web
Account Resolution Corporation, a thrid party debt collector is attempting to collect a debt consistently violating my consumer rights per the FDCPA. On or about XX/XX/2022 a debt validation request and notice of dispute was sent to ARC certified return receipt # XXXX XXXX XXXX XXXX XXXX. To this date no response has been received. Which in and of itself is a violation. On or about XX/XX/2022 an Affidavait of Truth, eveidence of their violations, and Notice To Cease and Desist, was sent certified registered mail return receipt # XXXX XXXX XXXX XXXX XXXX. My complaint today is a documentation of the written documents sent to them. All mailed documents were notarized appropriately. I have excluded evidence from this complaint that is in the mailed packages, but have included the invoice because I believe it was left out of the mailed package and I may not have sent a complete package with all eveidence. I will mail the the complete package tomorrow ensuring the invoice is included again. I WAS CLEAR IN THE CEASE AND DESIST ARC SHOULD COMMUNICATE ALL THINGS TO ME IN WRITING AT MY HOME ADDRESS.
08/26/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 622XX	Web
In the middle of the collection process without warning or notice, the collection agency put a negative comment on my credit report. In his personal attempt to collect during XXXX, the XXXX had been unwilling to review the insurance documents. The collection agency sent ONE written notice ; I responded with a phone call and explained that my insurance company said the amount was off. The agent said that they would look into it ( late XXXX, XXXX ) and without warning on XX/XX/XXXX, the collection agency posted a collection on my credit report. I believe that this is an attempt to intimidate me. My >800 score has dropped 127 points on XXXX. Today, XX/XX/XXXX, I discovered the collection on my credit report during a monthly check of my credit report and disputed the collection on XXXX and XXXX. I want ACCOUNT RESOLUTION CORP, XXXX XXXX XXXX XXXX, XXXX, MO XXXX to remove the collection immediately. ARC is acting in bad faith and has unnecessarily damaged my credit rating in an attempt to collect amounts that ( according to my insurance company ) are not owed.
01/04/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 622XX	Web
This is my XXXX complaint in regard to Account Resolution Corporations ( ARC ) attempt to collect an insured dental bill from XXXX. My initial dispute was that nearly all of the bill is covered by insurance. Near the end of XX/XX/XXXX, I had a phone conversation with an ARC rep who told me NOT to get insurance documentation ( misleading? ) and that they would contact the insurance company. Instead, they immediately placed derogatory remarks without notice to me. The notices on my credit report appeared to be an attempt to intimidate me, were certainly in bad faith. This current ( and XXXX ) complaint arises from ARC not responding to my last XXXX letters ( attached as documentation ) while maintaining the derogatory remarks on my credit reports. I have sent XXXX letters to resolve the debt and demand removal of the derogatory remarks WITHOUT RESPONSE from ARC. Letters to ARC were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. ARC has a duty to respond and negotiate this insured medical debt in good faith.
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34638	Web
Account Resolution is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times? According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.
05/31/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
04/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63033	Web
When reviewing my credit report from all 3 major bureaus I noticed collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, and collection agency to send me proof and HIPPA consent The bureau said the information was investigated but never provided proof or statements neither has the company. I am in the process of applying for a mortgage and this is a problem in being approved by a lender. The collection Agency information is listed below. I have contacted XXXX XXXX, XXXX and XXXX along with the collection company asking for proof and also this is a violation of HIPPA because I never granted permission for them to have my information. I did not obtain any information on this alleged debt and all I get is a piece of paper with 3 to me with no detailed information As you can see I have asked for information regarding these debts which are not my numerous times. They should be removed from my credit reports. Thank you
07/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 729XX	Web	Servicemember
The collection company ACCOUNT RESESOLUTION CORP. Balance Date XXXX/XXXX/2017 and is attempting to collect on a medical bill from XXXX Clinic in the amount of {$39.00} of which, they have no right to collect. This bill was paid in full to the hospital directly. I disputed this information on my credit report yet, they are reporting that the collection account is open and validated according to the FCRA. on my credit reports to XXXX and XXXX. This is fraudulent information. It is apparent that the collection company has failed to do their due diligence in validating this debt and are inaccurately reporting this debt. If they fail to completely remove this collection account from my credit report, I shall file suit in the State of Arkansas and sue for damages to my good name, and for damages to my financial situation. I have attached a word document showing the information currently being reported on my credit report as of XXXX/XXXX/2017
04/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62002	Web	Servicemember
I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/XXXX. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Corp requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/XXXX. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond, but continue to report on my credit report as resolved but consumer disputes. I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.
12/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 630XX	Web
*THIS IS NOT DUPLICATE* I am in receipt of a computer-generated letter from your company unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exist between XXXX XXXX and ACCOUNT RESOLUTION CORPORATION Debt. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e. g. If you bought this as a debt collection device to make money as a debt collector, thank you for paying off the bill. NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
09/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 622XX	Web
I 've been for the past few months in contact back and forth with XXXX, XXXX XXXX XXXX and Account Resolution Corp in reference to my medical bills and with all the disputes gotten no results.. I was told by XXXX XXXX XXXX and Account Resolution Corp that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX 2015 and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have XXXX XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. XXXX XXXX XXXX and Account Resolution Corp. is telling me this is n't good enough and that i need them to write a letter.
05/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75039	Web
I am writing to you as an insured person of XXXX XXXX. I received services from the in-network facility : XXXX XXXX XXXX in 2021. Prior to receiving these services I had expended the full amount of my deductible and coinsurance ; Leaving no remaining patient responsibility. The above facts are not in dispute by the insurer, nor are they in dispute by the provider. I contacted Account Resolution Corporation, and advised that this was a mistake, and requested that they contact their Principle ; XXXX XXXX XXXX. They refused. After many weeks of trying to get a live body, and a reply, it seems that XXXX had a software glitch, and provided XXXX an incorrect TIN #. I am further advised that multiple consumers were impacted. This matter needs to be cleared up with an urgency that none of the parties seem willing to take.
04/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 636XX	Web
I had this account with XXXX XXXX that was being collected by Account Resolution Corporation. I had sent this collection agency an electronic message via their online portal offering a settlement to delete their reporting and received no response, Afterwards I contacted XXXX XXXX and paid them in full and they would recall it from the collection agency as it was paid directly and would be removed. I also sent Account Resolution Corporation another electronic message via their online portal and also no reply. Instead Account Resolution Corporation has updated all 3 credit bureaus that I paid them directly and it remains on the credit reporting causing harm. I did previously have a cease and desist contact to the company but in my electronic communication I specifically stated they could respond to that request only.
01/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
Hi. I paid for my credit report initially on XXXX/XXXX/2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of ACCOUNT RESOLUTION COR with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 61822	Web
On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from Account Resolution Corporation and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Images for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63114	Web
I sent certified letter to validate a debt with Account resolutions on XX/XX/2020. After 30 days I didnt receive an response from them so I dispute it with XX/XX/XXXX on XX/XX/XXXX and sent proof of my receipt! They after a few weeks said it was verified as correct and would stay on my. I called today and got the runaround with getting hung up on acting as if cant hear me transfers then I spoke with an agent who was professional yet rude and unhelpful and in so many words said they wouldnt take it off my credit report and cant provide me with information they verified as correct to keep on report! Im at a lost I followed protocol but neither will do anything to help! Ive had full financial assistance from hospital stays so I need proof of where and the debt is???
12/18/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 63376	Web
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ACCOUNT RESOLUTION COR Debt under penalty of perjury. Per the FDCPA/FCRA 15USC 1692 e.g. Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
10/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77471	Web
I have been trying to establish credit and keep getting denied. I finally created an account on XXXX XXXX and discovered a debt of {$410.00} being collected by Account Resolution Corp on behalf of XXXX. I called the company because I was confused. I spoke with a lady who told me I visited a XXXX doctor in XXXX of XXXX. I did not visit a XXXX doctor in XXXX because I live in Texas and in XX/XX/XXXX I was still a minor. This is not my debt. When I called the company she even said my mother 's name was tied to the debt and asked for my mother 's information which my mother refused to give. We have lived in Texas since XXXX. I did not and have never visited XXXX. When I did reside in XXXX XXXX, my doctor was XXXX XXXX of XXXX XXXX.
07/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85340	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
04/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ XXXXX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
05/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 66062	Web
I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX
10/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 721XX	Web
XXXX XXXX XXXX XXXX has broken the law UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE XXXX XXXXXXXX XXXX XXXX MY REQUEST TO RELEASE INFORMATION TO YOU ACCOUNT RESOLUTION CORPORATION I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX ) Under the health insurance Portability and Accountability Act of 1996 ( HIPPA ) I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting COPORATIONS. Please send above requested information to the address above. This complaint is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt.
05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20774	Web
ACCOUNT RESOLUTION CORPO trying to collect {$980.00} for XXXX XXXX XXXX, the original creditor. XXXX XXXX XXXX claims they performed services at a specified date. They never contacted me or sent me a bill. I only heard from the collection agency, ACCOUNT RESOLUTION CORPO When I contacted XXXX XXXX XXXX, they could NOT provide me a bill to review. This has damaged my perfect credit report. If they had contact me, same address and phone number for over 5 years, I could have resolved it without damaging my credit. Please help remove this from my credit report. Collection Agency ACCOUNT RESOLUTION CORPO I have no information from original creditor, XXXX XXXX XXXX. Thanks.
07/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20772	Web
I have asked Account Resolution Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63031	Web
Settled account with law office they used to service the debt discussed credit reporting with an attorney at the office, he sent me a letter stating the account would be updated as " paid in full '' they first reported that I just made a payment, so I disputed it, they then reported it as " Paid Collection '' these are two very different things, I emailed them requesting they either remove it or have it reported the way their attorney told me it would be if I settled the account, which would be " Paid in full '' not " Paid collection ''. The letter I was provided was either false and misleading or their attorney made a mistake and I would like it rectified.
06/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
I disputed collections account from Account Resolutions with all 3 Bureaus and the accounts removed from two of the three Bureaus but left 10 on XX/XX/XXXX. Most of the 10 accounts have duplicate account numbers with different amounts attached or incomplete account numbers 1. XXXX datedXX/XX/2013for {$140.00} 2.XX/XX/XXXX datedXX/XX/2013 for {$54.00} 3. XXXX dated XX/XX/2014 for {$100.00} 4. XXXX dated XX/XX/2015 for {$90.00} 5. XXXX dated XX/XX/XXXX for {$57.00} 6. XXXX dated XX/XX/2015 for {$120.00} 7. XXXX dated XX/XX/2016 for {$100.00} 8. XXXX dated XX/XX/XXXX for {$69.00} 9. XXXX dated XX/XX/XXXX for {$69.00} 10. XXXX dated XX/XX/2017 for {$120.00}
03/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63118	Web
I sent a settlement payment to Account Resolution Corp for 3 different medical collections accounts that are reporting on my credit profile. The agreement was that by accepting my 3 separate money orders, they agreed that accepting the payment, the accounts would be settled as paid in full, not as a balance update, and would additionally be deleted from my credit report, ( NOT just updated, but deleted ) They accepted the terms of the payment and instead of deleting they updated the account with the payment amount. Additionally the agreement was that the debt also would not be sold to any other third party or any other collection agencies.
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63640	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
10/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63114	Web
On XXXX I noticed and unfamiliar account on all 3 major credit bureaus and sent Accout Resolution Corp a certified request for validation letter ( Conf # XXXX ) advising I did not have enough info on the account and was unable to accurately identify the collection account as belonging to me. I was unable to receive any documents from the company. The company willfully and intentionly has disregarded my request to verify/validate this information as it is defined by law. Please remove this listing from all credit bureaus as it is inaccurate based on the lack of documentation provided by the company in question.
10/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 65201	Web
I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission. This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached. I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid.
03/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 781XX	Web	Older American, Servicemember
My XXXX doctor for the last four years billed the wrong insurance company ; then before they billed me, or called me, or talked to me when I had quarterly treatments at their office, turned me over to a collection agency. We called them and talked to three staff members in services, billing, and authorizations to explain the issue. They ignored us. I paid the whole bill out of pocket and will wait for them to bill the right insurance company so I can get reimbursed. People with less money that I have would not have this luxury. Both companies administration services are incompetent.
03/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 66208	Web
Account Resolution Corporation makes a habit of ruining consumers credit. This organization place NINE derogatory collection remarks on my credit report for the SAME utility account. I have paid almost XXXX XXXX dollars for this utility bill and ARC refuses to update the collection account ( S ). This company has single handedly destroyed my credit. I am working with a credit attorney, but so far, nobody ( not event ARC ) can explain to me how it is legal to operate this way. How can one person have NINE derogatory remarks for the same company and the same account?
09/30/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO XXXXX	Web
I have disputed this issue with Account Resolution Corp whom did not provide me with a copy of my signature with the provider of services to release any of my medical information to Account Resolution Corp regarding alleged debts as well as cease any Credit Bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA VIOLATION and a violation of my human rights according to the ( FDCPA ). These entries must be deleted from my credit report immediately. XXXX # XXXX ( {$1500.00} ) XXXX # XXXX ( {$270.00} ), Act # XXXX ( {$350.00} ),
02/03/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63146	Web
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
04/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63136	Web
Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, XXXX, XXXX, XXXX
03/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 631XX	Web
On XX/XX/2017 I received a response from a debt validation/hippa request letter I sent to Account Resolution Corporation. They responded with a mere screen print out which does not include contract I signed with the original creditor which is what I requested in my initial validation letter. This company also included medical information that they should have no access to under the hippa privacy laws. I may be submitting an additional complaint pertaining to that matter as well.
07/28/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72223	Web
XXXX account more than XXXX XXXX XXXX that was billed by doctor that did not provide services. collection agency ACCOUNT RESOLUTION CORP has pursued the account and filed a negative collection on my credit report withiut verifiying the underlying account. Additionally, when i ask for the basis for the account Account Resolution Corp will not provide that information. Finally, the account is much older than the statute of limitations ( 5 YEARS ) AND CAN NOT BE PURSUED LEGALLY
09/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 741XX	Web
The third-party debt collector ACCOUNT RESOLUTION CORPORATION is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know ACCOUNT RESOLUTION CORPORATION and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.
02/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 633XX	Web
Started disputing the valididty of this debt in XX/XX/2019 and company continues to " verify '' account with bureaus but has never sent me any documentation for the account. When I mailed letters requesting verification, they were simply ignored. I have sent 2 notices, one regular USPS and the second was mailed certified. Still not answer to either accounts. I have noticed that the accounts were removed from XXXX, but still are being reported to the others.
06/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63141	Web
Ive requested from Account Resolution Corporation now three times, in writing, for proof of debt and that they are authorized in state of Missouri. The first time they sent me back an amount written on a piece of paper, the second time they provided me a statement Ive never seen. They have never provided me with documentation I required. Meanwhile I do not recognize the place of business they are collecting on behalf of ( its also less than {$50.00}! )
05/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
XX/XX/2021 I mailed letters to XXXX XXXX, and XXXX. Also, the collection companies XXXX XXXX XXXX, XXXX, and Account Resolution Corporation for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response for none of the collection accounts and its been over 30 plus days.
02/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60617	Web
I received a notification XX/XX/2021 that there was a remark on my credit for a medical bill. I never received any phone calls or a letter of debt validation notice in the mail. I had no information regarding the collector, the only reason I found out which company it was until I pulled my credit report and saw their information. I had no idea about this debt and I'm very upset I didn't even have a chance to verify if it was mine or dispute it.
04/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20910	Web
These are charges that had been paid by my insurance company and XXXX XXXX XXXX continued to send me collection notices. I spoke with their office and was assured these were sent in error. Currently this shows up in my credit report as an unpaid {$2500.00} account from a collection agency identified as ACCOUNT RESOLUTION CORPO loc ated at XXXX XXXX XXXX XXXX , MO. I 've never received any correspondence from this agency.
03/08/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 631XX	Web
I have repeatedly requested that Account Resolution Corporation provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
05/24/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63121	Web	Servicemember
Violated HIPAA my PHI was given to a third party collection company that I did not authorize to have. I was sent a notice with my ssn, phone number. There are some services listed on the document with a location and the dates of services on it. This is a direct violation and is reporting on my credit from this third party and I will be filing a suit for this and it needs to be removed from all credit bureaus immediately.
11/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web
account resoution contacted me on XX/XX/2022 for a medical XXXX that i had supposbly had after asking them the verify the info and asking them to send me paperwork for the origanal collector ( XXXX XXXX ) that i had signed personal info saying that i had owned it were not able to give me info and have voilated my hippa rights and they refused to close the accout and take the amout of XXXX off of my credit report
09/27/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46324	Web
Told them my insurance will pay this bill repeatedly. They refuse to bill them. Plus, Im on the XXXX program. Had an issue before and they corrected it but they wont for this bill. It is now a derogatory mark on my credit report. I have disputed it 3 times now and they wont take it off. Orthopedic Specialist of XXXX XXXX XXXX. XX/XX/2021 XXXX Debt collector is ACCOUNT RESOLUTION CORPORATION.
04/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63301	Web
Account resolution Cor is reporting on my credit report. I advised them I never received a letter and had no idea this account was in collections on the last day of XX/XX/2021. They advised me they would get me a letter out, I have yet to receive it but they did report this negatively on my credit again today. Can I at least get a validation letter before they start tanking my credit?
09/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 622XX	Web
Account Resolution Corporation- Open Balance {$1000.00} ( which changes by a dollar plus or minus periodically ) Original Creditor- XXXX- Opened XX/XX/. I have disputed this collection ; I have requested proof of debt. I have received nothing from this company and have no knowledge of this account. The company periodically changes the account balance plus or minus {$1.00}.
02/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63033	Web
This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.
12/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 721XX	Web
XXXX XXXX XXXX and XXXX are both in violation of hippa law and a complaint will be filed with the OFFICE FOR CIVIL RIGHTS This is also defamation of character due to XXXX being a nonaffiliated third party XXXX stated that they mailed me validation I have yet to receive the so-called validation that this debt collector never had to begin with.
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63031	Web
The account is paid through my insurance company. I have told this to this collection agency numerous of times. This collection agency have no right to collect anything. This account was to the doctors office by my insurance. The other account was paid directly to the original creditors. I do not owe anything to these collection agents.
05/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 631XX	Web
I paid the amount of {$420.00} to the XXXX XXXX XXXX XXXX XXXX XXXX ( Missouri ) on XX/XX/2020, which was posted on XX/XX/2020. I received correspondence from the debt collector Account Resolution Corporation on XX/XX/2020, regarding this paid debt, attempting to collect. Please see the attachments regarding this issue. Thank you.
06/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63125	Web
I was not aware of this debt until I checked XXXX XXXX to find out it was in collections. Upon sending a debt validation letter, the agency sent back some release forms I do not recall signing and an itemized list of procedures performed on me. I understand this disclosure of private health information to be a violation of HIPAA.
03/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MO 63121	Web
XXXX XXXX XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX HOSPITAL has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of {$150.00} ACCOUNT RESOLUTION C has a negative impact on my credit for the amount of {$110.00}
04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34952	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
12/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 640XX	Web
Incurred when still with now estranged wife. We each agree to pay half. The Account Resolution Corp agreed to let me pay my half all at once and to let my estranged wife make payments. My portion has been paid for 6 months now and it is still show I owe the full amount. This is still listed on my XXXX credit report.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 63136	Web
I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX M.O. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.
08/25/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63010	Web	Servicemember
The company is unable to provide a detailed bill for services on the dates the service was provided and what attempts they made to bill insurance. The company Is Account Resolution Corp Address : XXXX XXXX XXXX # XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX-XXXX I believe they have violated 45 CFR 164.508 Section 4.
09/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 638XX	Web
I WAS IN A CAR WRECK ; THE BILL WAS PAID IN FULL. i HAD A LAWYER THAT SENT THE MONEY AOUTOMATIC. AFTER CASE WAS SETTLED. HE HAS THE ACCOUNT INFORMACTION. I HAVE TRIED THROUGH THE CREDIT BURUEAS, ALL THREE OF THEM i LEFT PHONE NUMBER TO CONTACT THE LAWYER AND THE COLLECTION IS STILL ON MY ACCOUNT. THANK YOU.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65109	Web
Trying to remove a closed account from my credit report. Account was opened XXXX. The company reporting is Account Resolution Corporation. The original owner was XXXX XXXX XXXX. The amount is for {$130.00}. Have tried disputing this thru XXXX XXXX 5 times, but they keep stating this is a open account.
07/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KY 402XX	Web	Older American
I was never contacted concerning this account and have no knowledge of this collection agency. In some cases disputes were added years after dates of service. I assumed it was paid by insurance after years of not hearing any information about these accounts. Had I known I would have paid this debt.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
05/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63010	Web
I have discovered this company reporting inaccurate information on my credit report, and after sending them several disputes and receiving nothing at all, I have also discovered it is my right to demand and RECEIVE validation. They have violated my rights as a consumer and I need your help!
04/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20744	Web
XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX The amount is {$220.00} I was told if it was paid the collection would get removed from my credit reports and would no longer shower up a negative information. The debt was already paid. The invoice number is XXXX
10/23/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 93534	Web
I offered to pay the amount but they refused to remove it from my credit report. Theres no benefit to paying it if they do not remove it. They do not think they have to remove it if its Paid. Account resolution Corp XXXX. XXXX XXXX XXXX mo XXXX XXXX
01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63121	Web
I have reached out to the company to remove the item off my account but they have failed to honor the fair credit Act and also failed the burden of proof process please remove this account or show ink signatures and or other burden of proof.
01/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19320	Web
I have written this company a dispute as I have no idea why they are on my credit, and I have never heard from them at all! Either I must have the wrong address or there is something completely wrong with this account! PLEASE HELP ME!
04/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63137	Web	Servicemember
XXXX XXXX , XXXX - XXXX XXXX assigned the balance owed them to Account XXXX XXXX when in XXXX it was settled when returning for procedure again. I do not know of Acc ount Resolution Corp. but I do XXXX XXXX .
09/27/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 295XX	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
11/30/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21804	Web	Servicemember
I had surgery in XX/XX/2020 and the bill that the collection agency states that owe was paid. The says XXXX on my credit reports but the amount owed is XXXX from the claim from my insurance company is totally different.
03/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I have attempted several times disputed this debt with this company who has charged all 3 of my credit reports with false information. They have shown no proof of the charges made an have made no attempts to contact me.
05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27514	Web
XXXX XXXX company was included in my bankruptcy from XX/XX/2014. It was completely gone from my credit and now it has reappeared from Account Resolution Corporation as an open account in the amount of {$17000.00}.
04/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63121	Web
I have numerous medical bills that goes against hipaa laws I will list the accounts below along with my social security number : Account resolution Corpo Social security number : XXXX
05/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20774	Web
I have tried in XXXX and most recently XXXX XXXX to resolve this matter that has violated the HIPPA laws and shared my medical information with a collection agency 3rd party.
07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63135	Web
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
08/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63033	Web
The medical debt appeared on my credit. No wriiten notification- for {$100.00}. The debt has been PAID with the original credit XXXX XXXX -
04/09/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	IN 46226	Web
They call ask for me and when I try to talk with them they hang up or repeated calls and when I answer they hang up.
03/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66216	Web
I haven't received any type of mail communication from the debtor. I have also been unable to reach them by phone.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MO 63121	Web
I am disputing a medical bill on my credit report which goes against the laws
03/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
I had never had any services with this company
11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71251	Web

11/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66206	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63119	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75078	Web

07/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63114	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 66204	Web

07/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32164	Web	Servicemember

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76544	Web

06/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36426	Web

06/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

06/02/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 36426	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75054	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63136	Web

03/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63366	Web

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 62234	Web

02/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20603	Web

02/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 71251	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72401	Phone

12/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 62236	Web

12/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76227	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48219	Web

12/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63146	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64112	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63120	Web

09/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63028	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62226	Web

08/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63301	Web

06/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37919	Web

06/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63031	Web

05/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 46074	Web

04/29/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63033	Web

04/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66044	Web

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62207	Web

02/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63376	Web

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

12/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63137	Phone

12/14/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63121	Web

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 87109	Web

11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62205	Web

10/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34238	Web

10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63021	Web

10/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63115	Web

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63119	Web

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63115	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63115	Web

08/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63021	Web

07/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92672	Web

07/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63034	Web

07/23/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92672	Web

07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 66049	Web

05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63043	Phone

04/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85001	Web

03/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63137	Web

02/25/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 63114	Web

02/18/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	IL 62220	Web

11/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63367	Fax

11/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63108	Fax

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KS 66215	Web

08/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 65020	Postal mail

06/08/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web

06/08/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web

05/02/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75650	Web

04/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63033	Web

03/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web

03/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web

03/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55331	Web

02/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63139	Postal mail

01/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web

09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63050	Web

08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 62223	Web

08/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72944	Web	Servicemember

08/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62269	Referral

06/18/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63031	Web

04/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76039	Postal mail

03/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63031	Web

02/22/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63128	Web

01/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 62234	Web

11/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63033	Web

10/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

09/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63107	Web

08/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63109	Web

07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77429	Web

05/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63103	Web

05/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63019	Web

04/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 65486	Web

02/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 74959	Web

02/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63031	Web

01/16/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63303	Web

01/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 62959	Web

12/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 66225	Web

12/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63118	Web

10/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63028	Phone

06/02/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29579	Web

05/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63366	Postal mail

04/20/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31216	Web

03/21/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MO 63366	Web

02/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21014	Web

12/30/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	MO 63112	Web

12/19/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 62024	Web

09/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75035	Web	Older American

06/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	LA 70056	Web

05/31/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MO 63031	Web

04/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63368	Web

02/11/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 63033	Web

01/30/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AR 72904	Web

01/30/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MO 63110	Web

01/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 63135	Web	Older American

12/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 74953	Web

11/09/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 63043	Web

10/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63376	Web	Older American

08/01/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	IL 62223	Referral

05/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78753	Web

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 63017	Web	Servicemember

04/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63379	Web

02/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	GA 30097	Referral

02/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 65065	Web	Servicemember

01/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 62269	Referral

09/21/2013	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MO 63021	Web

08/28/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 62062	Web