Ad Astra Recovery Services Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/20/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 70043	Web
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Ad astra recovery services- over 5 years old debt not mines and was deleted because they couldnt validate and now back on experian and transunion . No contract. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
01/03/2018	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	LA XXXXX	Web
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Ad astra recovery services- over 5 years old debt not mines and was deleted because they couldnt validate and now back on XXXX and XXXX . No contract. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
09/13/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 95834	Web
In XX/XX/2019 I filed an Identity Theft Report submitted to XXXX, XXXX, and XXXX I sent them certified to all three credit bureaus in regards AD ASTRA RECOVERY SERV XXXX Reporting as closed in the amount of $ XXXX.They continue to report the account with a balance to the credit bureaus as closed or open. The item should be completely removed. I have requested on multiple occasions for the creditors to send me a signed document with my signature as proof under the FCRA and they have continued to report the debt as valid with no proof with my signature on any document. They continue to send me letters after the dispute saying the debt is valid with NO documents with my signature on it. The credit bureaus notified me there was one more document I needed to submit with my dispute. I submitted ALL of the necessary documents via certified mail and I have called the credit bureaus who are now denying that they have received my documents, which is false one of their representatives verified on a recorded line that they have received my documents and the items will be removed by XX/XX/19 or no later than XX/XX/19.I called back the next day to verify that the item would be removed by the dates stated. To my surprise the rep said they never received my documents. I called back and spoke with two supervisors and they said they have not received my documents, which is false because the letter was sent certified with tracking information. XXXX XXXX continues to report these balances on my report. I would like to be done with this process it has been costly to me. Under section 605B of the Fair Credit Reporting Act the item reporting by XXXX XXXXXXXX XXXX Account Number : XXXX should be completely blocked and deleted from my credit reports. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any no judicial action to effect dispossession or disablement of property if -- ( A ) There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) There is no present intention to take possession of the property ; or ( C ) The property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 USC 1692h
11/24/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76039	Web	Servicemember
THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY XXXX/XXXX XXXX CREDIT REPORT. THIS COMPLAINT IS AGAINST AD ASTRA RECOVERY SERVIC AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. AD ASTRA RECOVERY SERVIC provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. AD ASTRA RECOVERY SERVIC regularly furnishes consumer credit reports to Creditors electronically. AD ASTRA RECOVERY SERVIC is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. AD ASTRA RECOVERY SERVIC routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified AD ASTRA RECOVERY SERVIC at the address specified for such disputes that AD ASTRA RECOVERY SERVIC is reporting inaccurate information concerning my consumer credit. As a victim of identity theft I expect the information in my consumer report to be accurate and my disputes taken seriously. AD ASTRA RECOVERY SERVIC has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to AD ASTRA RECOVERY SERVIC. AD ASTRA RECOVERY SERVIC receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on AD ASTRA RECOVERY SERVIC S website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, AD ASTRA RECOVERY SERVIC, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is AD ASTRA RECOVERY SERVIC s policy and practice only to compare the name, social security number, date of birth, and address in AD ASTRA RECOVERY SERVIC s computer database with the information provided on ACDV forms. Where three of the four items match, AD ASTRA RECOVERY SERVIC will report to the Consumer that it has verified the information it furnished as accurate. It is AD ASTRA RECOVERY SERVIC s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because AD ASTRA RECOVERY SERVIC collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, AD ASTRA RECOVERY SERVIC s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, AD ASTRA RECOVERY SERVIC will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, AD ASTRA RECOVERY SERVIC continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted AD ASTRA RECOVERY SERVIC at the address specified by AD ASTRA RECOVERY SERVIC to dispute information furnished by AD ASTRA RECOVERY SERVIC to a Creditor and to notify AD ASTRA RECOVERY SERVIC that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). Under Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ) and 57b, I am able to recover all equitable and ancillary relief as it may deem appropriate in the enforcement of the FCRA, the FDCPA, and the FTC Act, including the ability to order rescission or reformation of contracts, restitution, the refund of monies paid, and disgorgement to deprive a wrongdoer of ill-gotten gain. Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes a Court to award monetary civil penalties of not more than {$2500.00} per violation for each violation of Sections 623 ( a ) ( 3 ) and 623 ( b ) of the FCRA. I want AD ASTRA RECOVERY SERVIC to remove these inaccurate items.
10/17/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75019	Web
I noticed a balance of debt with Ad Astra Recovery Services Inc. out of XXXX, KS. I called Ad Astra on or about XXXX of XXXX to inquire what this debt was. I was told this was a debt from XXXX XXXX! I never took out a loan with XXXX XXXX I explained. They would not remove it from my reports. On or around XXXX/XXXX/XXXX, I sent them this letter : Estoppel Notice NON-NEGOTIABLE XXXX of the family : XXXX Authorized Representative for XXXX XXXX and all derivatives thereof c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas [ AD ASTRA RECOVERY SERVICES Inc. ] Collections Department [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNB XXXX ] [ XXXX, KS. XXXX ] XXXX of XXXX XXXX Notice of Irrevocable Estoppel by Acquiescence Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent Re : Reference Number : [ xxxxxxxxxxxxxxxx ] Dear Interloper With reference to the letter dated [ XXXX XXXX, XXXX XXXX delivered by recorded mail. In this letter I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Uniform Commercial Code 3. Proof of Claim that [ AD ASTRA RECOVERY SERVICES Inc. ] has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. I hereby serve Notice that failure to provide Proof of Claim by [ AD ASTRA RECOVERY SERVICES Inc. ], has created a permanent and irrevocable estoppel by acquiescence, forevermore barring [ AD ASTRA RECOVERY SERVICES Inc. ] from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a different specie of correspondence all together. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of [ AD ASTRA RECOVERY SERVICES Inc. ] s agreement to the following terms and conditions. 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 6. You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule Fee Schedule Any further invalid claims against XXXX XXXX and/or attempting to contact the Authorized Representative by mail, mobile phone and/or telephone will constitute the agreement of [ AD ASTRA RECOVERY SERVICES Inc. ] to the following Fee Schedule : 1. {$1000.00} ( ONE THOUSAND US DOLLARS ) per invalid claim in writing, nunc pro tunc, 2. {$1000.00} ( ONE THOUSAND US DOLLARS ) per letter and/or notice sent by recorded mail, XXXX pro XXXX, 3. {$1000.00} ( ONE THOUSAND US DOLLARS ) per hour or portion thereof, of the Authorized Representative, 4. Representatives time, nunc pro tunc, 5. {$1000.00} ( ONE THOUSAND US DOLLARS ) per attempt to contact by telephone and/or mobile phone 6. {>= $1,000,000} ( ONE MILLION US DOLLARS ) per Authorized or infringement. All fees are payable in Twenty One ( 21 ) days of date of invoice is received, as evidenced by recorded delivery tracking number. Without malice or mischief, in sincerity and honor. Yours sincerely By : By : Sovereign XXXX of the family : XXXX Authorized Agent and Representative for XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE NON-ASSUMPSIT Calls maybe recorded Ad Astra then sent me the alleged liability without any proof of agency, no true bill, and no original contract between AD ASTRA & XXXX XXXX. I sent them back an invoice for contacting me after failing to prove proof of agency, proof of claim, and proof of a true bill on or around 4/15/17 They now have sent a fee schedule as well. They have not removed anything from the credit agencies, and they now sent a fee schedule. This debt is not mine and they have not proven anything to suggest it is. I will file suit if this matter is not handled by them immediately. I will also report hem to the FDCPA.
01/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web	Servicemember
I received a notification from the credit reporting agencies that AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter and have requested the following in writing to be provided to me to no avail : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. This illegal collection has already caused me financial hardships to includes exclusions for seeking further employment. I am prepared to file a Federal Complaint holding the agency liable. Please remove this entry until all research and validations are completed.
04/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75104	Web	Servicemember
I received a notification from the Credit Reporting agencies that Ad Astra company an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who Ad Astra is nor have i contracted with them in any sort of fashion for any services or goods. Please provide me a signed contract with your agency that shows I have a business relationship directly with you.
11/14/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77063	Web
The call occurred to Ad Astra around XXXX pm central time on XXXX XXXX or XXXX. The amount I saw on my credit report was {$240.00}. I have personally worked in the collection industry for 8 years and am very familiar with the CFPB and UDAAP which recently took affect after the XXXX XXXX XXXX was passed that regulated the banking industry in general. When I called in, I asked if they would offer a settlement. Heir response was to list the days delequent and the fact no payment has been made so no they ca n't settle. I know this is misleading and false information since this company does settle debts so I said thank you and ended the call. The next time I called, I just kept asking them, " does your company settle accounts, yes or no? '' Over and over u XXXX the rep said yes. The I advised I wished to negotiate a settlement. Again the rep listed the days delequent and ptmebt history before offering a {$200.00} settlement. At no point in the negotiation did he ask my personal situation, reason for delequency, or how much I felt I owed. He basically just told me I was a dead beat by listed data he received from the client. I the. Informed him that the original loan was {$120.00} and that my family member was the one who used my info to get it so I would offer to pay that amount to settle the debt. I felt this was fair since I never saw a $ of that money loaned and wanted the letters sent to my family 's house to stop. He then put me on hold and his " supervisor '' 'came on. Immediately she was telling me to let her talk and not over talk her while I was speaking in a calm voice the entie time. She wanted me to explain everything again to her after I had already been onhtr phone 15 minutes, a common tactic used to frustrate consumers into just paying rather than repeat themselves, so I told her i had already explained my situation tothe previous gentleman. She then told me if someone else took the $ out I need to file a police report and send them the documents. This occurred 3 years ago, if I went to a police station and followed her advice by filing a report they would immidiately ask me why I waited 3 years so I told her no I am not going to waste my time doing that, I called resolve the debt. She finally offered {$150.00} to settle. I felt this was reasonable, even though she was rude, so I agreed and said I could don {$75.00} now and the rest on the 10th when I get paid. Here is where she messed up. .... She told me that I needed to pay it now it now or that I would n't be able to settle at all. This is known as the " sir trick '' and is an illegal collection tactic in today 's environment. I asked her, " so your saying if I set up the payment plan for {$75.00} today and {$75.00} tomorrow you will not accept it? '' She replied all settlement offers made must be paid within 24 hours. I then asked, '' so if I call back on the XXXX and offer {$150.00}, you will reject it? '' She of course said " yes ''. I asked her why. This obviously made her mad and she said " company policy ''. If I had done this on the phone to a consumer calling in to pay a XXXX XXXX XXXX debt with no payments ever being made stating it was fraud, I would have been fired. XXXX XXXX made " the XXXX trick '' illegal, I know because I used to use it myself but my agency follows very strict guidelines. She also refused to give me anything in writing and had an old address for me on file so I never even knew this debt existed until I looked at my credit report. After that, I thanked her for her time and ended the call. I emailed one of the executives off of their website voicing my concerns with no response, my next course is to file a complaint with the CFPB since I am well aware of what a representative can and can not say when speaking to a consumer. I was mislead, given false information, and discriminated against during settlement negotiations. I researched and found several lawsuits towards this company. I have not called back sense or communicated to them in any way. Thanks for taking your time to read my complaint and I look coward to your realonse. They did claim the calls are recorded so there should be a record.
08/20/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AZ 85302	Web
Ad Astra has repeatedly refused to give me an itemization of an alleged debt {$1100.00} and is reporting erroneous information to the Credit Bureaus. In XXXX of XXXX, I saw a collection on my credit report from Ad Astra Recovery Services. It showed the original creditor was XXXX XXXX. I called XXXX XXXX to inquire about the collection. The XXXX XXXX representative stated that it was due to non-payment of my loan. I stated that the loan had been paid in full. I then went to the XXXX XXXX store located XXXX XXXX XXXX XXXX. XXXX XXXX office where I made the pay-off payment and the manager on duty told me that she could not talk to me because my account was in collections with Ad Astra. I then went to the XXXX XXXX on XXXX XXXX XXXX XXXX where I initially set up the account and the manager gave me a printout statement of all the payments that had been made. This is when I first noticed the conflicting dates and erroneous payments. I went back to the Northern address and asked them to review the footage from the night they were paid in full and I was told they can't access the footage, only if XXXX XXXX is requested by law enforcement. In XX/XX/XXXX I returned to XXXX XXXX located at XXXX XXXX XXXX again requesting a copy of my signed contract and a itemization of the alleged debt. They stated that they could not give me any more details because the file had been transferred to Ad Astra. I asked if they had any documentation of my payments and the manager on duty XXXX XXXX, stated that all she had in her system was a receipt dated XX/XX/XXXX to XXXX XXXX and a receipt on XXXX to Ad Astra. I stated that I have never paid Ad Astra or XXXX XXXX on the XXXX of XX/XX/XXXX or in XXXX of 2018 Ironically XX/XX/XXXX is when I paid off the loan in full. XXXX also printed down a dispute letter from Ad Astra that I never received which stated that I defaulted on the loan within a month from signing up for it. On XX/XX/XXXX I contacted Ad Astra and told them that the loan had been paid in full at their XXXX XXXX XXXX XXXX location in XXXX of XXXX at XXXX am. The female Ad Astra representative stated that XXXX XXXX has no 24 hour locations and they don't have on record that I paid anything on the loan. Ad Astra contradictory statements are as follows : 1. XXXX XXXX does in fact have 24 hour branches in the XXXX area verifiable on XXXX search. 2. I have bank statements proving XXXX XXXX withdrew regular payments from my account that conflict with XXXX XXXX payment statements. 3. I had no knowledge the alleged debt was sent to Ad Astra therefore I could not have paid Ad Astra, XXXX XXXX stated policy is not to discuss accounts turned over to collections. Please note it is possible bank fraud for XXXX XXXX to have record of an alleged payment to Ad Astra which the XXXX XXXX branch store has already submitted to me. I was transferred to an Ad Astra representative named XXXX. I asked about their communication with XXXX XXXX and I was told they do not call the branches directly. On the same XX/XX/XXXX phone call with XXXX I requested an itemization of the debt. On XX/XX/XXXX I spoke with an Ad Astra Manager who told me she had no record that I requested an itemization from XXXX who she called XXXX. She then stated she submitted my request for an itemization of the alleged debt and it would be mailed on on XX/XX/XXXX and I should receive it in 7-14 business days. I was not satisfied by Ad Astra handling of the matter thus far and on XX/XX/XXXX I also emailed Ad Astra President concerning this matter. As of XX/XX/XXXX I have received neither the requested itemization of the alleged debt or a response from the Ad Astra President. On XX/XX/XXXX I spoke with an Ad Astra representative named XXXX who said they would fax me the itemization of the debt in 24-48 hours. Ad Astra did not send the fax of the requested documentation. Ad Astra has failed to validate the alleged debt and is willfully reporting unverified information to the Credit Bureaus and is in violation Federal Fair Debt Collection Practices Act ( FDCPA ) and Arizona Consumer Protection Laws.
07/24/2020	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 Their investigation did not fix an error on your report	TX 75104	Web	Servicemember
Ad astra has added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who Ad Astra Recovery Service. This is the second request as they never validate nor verified all of the information I previously requested.
07/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80127	Web
1. Plaintiff is an individual consumer who resides in XXXX, CO. 2. Defendants XXXXXXXX XXXX XXXX ( " XXXX '' ) is a Foreign Corporation doing business in Colorado through its registered offices in XXXX Colorado, XXXX County, Colorado. At all times relevant to this complaint, it is a " consumer reporting agency '' as defined by the FCRA at 15.U.S.C. 1681a ( f ). 3. Defendants XXXX XXXX XXXX ( " XXXX '' ) is a Foreign Corporation doing business in Colorado through its registered offices in XXXX, Colorado, XXXX County, Colorado. At all times relevant to this complaint, it is a " consumer reporting agency '' as defined by the FCRA at 15.U.S.C. 1681a ( f ). 4. Defendants XXXX XXXX, ( " XXXX '' ) is a Foreign Corporation doing business in Colorado through its registered offices in XXXX, Colorado, XXXX County, Colorado. At all times relevant to this complaint, it is a " consumer reporting agency '' as defined by the FCRA at 15.U.S.C. 1681a ( f ). 5. Defendant Ad Astra Recovery Services , Inc., ( Astra ) is a Nevada Corporation located at XXXX XXXX XXXX XXXX, XXXX, CO XXXX United States. 6. Consumer has repeatedly disputed the inaccurate information with the Defendants, by both oral and written communications to their representatives and by following XXXX, established procedure for disputing consumer credit information. 7. Defendants have repeatedly published and disseminated consumer reports to such third parties, including but limited to, Astra. 8. Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis. 9. On information and belief, Defendants notified Defendant Astra of Plaintiffs disputes through XXXX system by sending an ACDV form. 10. Defendants willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable reinvestigation into Plaintiffs disputes, failing to forward all relevant information to the furnisher, parroting the furnisher, and failing to notify Plaintiff of the results of the disputes. 11. Defendant also violated FCRA, 15 U.S.C. 1681g by failing to provide Plaintiff with a copy of his credit file upon request, Plaintiff requested a copy from XXXX on XX/XX/2018, and has yet to receive a copy. 12. Defendants Astra willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that Astra did not have Plaintiffs signature on any documents, that Astra had illegally reported accounts in Plaintiffs name without her knowledge or consent and that Plaintiff had multiple direct conversations with Defendants Astra and about this fraud. 13. Defendants, when preforming its investigations into Plaintiff disputes, employed superficial faux-investigations, which consisted of essential matching the inaccurate data previously reported with inaccurate data currently in its system. 14. Defendants also should have responded to the CRAs that the account could not be verified because Astra did not have Plaintiffs signature on file. 15. Lastly, Astra failed to report to the credit reporting agencies that Plaintiff disputed the debt, which was inaccurate and misleading, and negatively affected Plaintiffs credit score because disputed tradelines are not taken into consideration in some credit scoring models. 16. The Defendants violations of the FCRA caused the Plaintiff actual damages, including harm to credit score, emotional distress, and inconvenience.
02/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75134	Web	Servicemember
I received a notification from the Credit Reporting agencies that Ad Astra had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who AD Astra is.
02/10/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77571	Web
AD ASTRA RECOVERY SERVICES, LLC. debt collection agency has willingly and knowingly violated the following and not limiting to FDCPA and TCPA Violations. On 45 separate occasions has AD ASTRA willingly and knowingly contacted the private number on said account TCPA Violation 47 U.S.C 227. In addition to 45 separate occasions violating the consumer on said documents, FDCPA Violation 15 USC 1692 ( a-j ). AD ASTRA RECOVERY SERVICES, LLC has also committed identity theft against said consumer, that will hold additional penalties. call log attached in submitted documents. 15 USC 1692 ( e ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 47 U.S.C 227 b ) Restrictions on use of automated telephone equipment ( 1 ) Prohibitions : It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States ( A ) to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice ( i ) to any emergency telephone line ( including any XXXX line and any emergency line of a hospital, medical physician or service office, health care facility, poison control center, or fire protection or law enforcement agency ) ; ( ii ) to the telephone line of any guest room or patient room of a hospital, health care facility, elderly home, or similar establishment ; or ( iii ) to any telephone number assigned to a paging service, cellular telephone service, XXXX XXXX XXXX XXXX, or other radio common carrier service, or any service for which the called party is charged for the call, unless such call is made solely to collect a debt owed to or guaranteed by the United States ; ( B ) to initiate any telephone call to any residential telephone line using an artificial or prerecorded voice to deliver a message without the prior express consent of the called party, unless the call is initiated for emergency purposes, is made solely pursuant to the collection of a debt owed to or guaranteed by the United States, or is exempted by rule or order by the Commission under paragraph ( 2 ) ( B ) ; ( C ) to use any telephone facsimile machine, computer, or other device to send, to a telephone facsimile machine, an unsolicited advertisement, unless ( i ) the unsolicited advertisement is from a sender with an established business relationship with the recipient ; ( ii ) the sender obtained the number of the telephone facsimile machine through ( I ) the voluntary communication of such number, within the context of such established business relationship, from the recipient of the unsolicited advertisement, or ( II ) a directory, advertisement, or site on the Internet to which the recipient voluntarily agreed to make available its facsimile number for public distribution, except that this clause shall not apply in the case of an unsolicited advertisement that is sent based on an established business relationship with the recipient that was in existence before XX/XX/2005, if the sender possessed the facsimile machine number of the recipient before XX/XX/2005 ; and ( iii ) the unsolicited advertisement contains a notice meeting the requirements under paragraph ( 2 ) ( D ), except that the exception under clauses ( i ) and ( ii ) shall not apply with respect to an unsolicited advertisement sent to a telephone facsimile machine by a sender to whom a request has been made not to send future unsolicited advertisements to such telephone facsimile machine that complies with the requirements under paragraph ( 2 ) ( E ) ; or ( D ) to use an automatic telephone dialing system in such a way that two or more telephone lines of a multi-line business are engaged simultaneously.
01/26/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 90247	Web
Please note the inconsistencies in AdAstra 's statement and their continued attempts to avoid deleting the inaccurate item from my credit report. AdAstra violated the FCRA and FDCA by not VALIDATING the item in the REQUIRED timeframe. I asked for a validation of the debt, not a verification of the debt. Verification is what this company is continuing to provide and Third Party Debt collectors are subject to VALIDATION of debt. AdAstra claim # 1 : " All of our responses included a breakdown of the balance, the name and address of the original creditor and other information we received from our client that may be useful to XXXX XXXX in achieving a resolution of her dispute ''. My Response to claim # 1 : You can see on the attached notice, that this does not include a breakdown of the balance, it simply states the balance. This statement in itself is untrue because ALL of their notices DOES not include a BREAKDOWN in balance. It simply shows the balance. I requested that the debt be validated, which it never was and as a response to this validation request, I received a notice stating my debt was frivolous and AdAstra refused provide information that was NEVER sent from the beginning. Procedures are in place to consider a dispute frivolous and these procedures were not followed, I repeat the investigation was never completed and the documentation requested was NEVER sent to me. I requested an initial validation of debt which included all relevant account number ( s ) as well as specific information that is compliant with a reasonable investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and Proof that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor? This is far from what I received. " What I received was a letter that did not include ANY of that information. AdAstra claim # 2 : AdAstra continues to state that the information that was provided to me was simply a verification of debt. Below I am quoting AdAstra which can be seen in their response to the complaint. " All of our responses included a breakdown of the balance, the name and address of the original creditor and other information we received from our client that may be useful to XXXX XXXX in achieving a resolution of her dispute. '' My Response to claim # 2 : This information which the company has admitted to sending ; is NOT validation compliant. Ad Astra, has yet to forward the following information, which was requested in the original request for investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and documentation that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor. Considering AdAstra 's statements the documents originally requested were never sent to me. AdAstra is not within compliance with the FDCA or the FCRA with reference to investigating the debt because the investigation was NEVER conducted as confirmed in the company 's statement below. All investigations should be responded to within 30days and it clearly was not. Lack of this response from AdAstra, led to subsequent disputes with the Credit Reporting Agencies, alerting them that I NEVER received validation of debt from AdAstra. And seeing as how AdAstra NEVER conducted the investigation
06/04/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	NV 89081	Web
I was in the process of refinancing my house and had my credit pulled XXXX XXXX/XXXX/2015 XXXX showed a collection owed to XXXX XXXX XXXX of the amount of {$450.00}, I have never done any financial business with this company. I was advised by my loan officer to dispute it with XXXX, I submitted the dispute and on XXXX/XXXX/2015 I received a letter from XXXX stating that the account was valid and it belonged me, I called XXXX and they stated that the creditor verified it was my name, social, and date of birth. They told me to call the original creditor which I did as soon as I hung up with them, I spoke to a customer service and a supervisor from AD Astra the collecting agency for XXXX XXXX XXXX listed on my report, and they could not find me in their system, they tried looking me up through name, social, dob and address and nothing was coming up for me from XXXX XXXX and they stated that the account number on the report was not even a valid account number. AD astra confirmed that I had no debts or having ever done any business with them so they told me to redispute with XXXX and mention who I talked to when I talked to them and what I was told, I immediately hung up with them and called XXXX and was told they were going to redispute it and add the additional information I was given by the creditor. I waited another 30 days and again it came back as valid, before I called XXXX I called AD astra again on XXXX/XXXX/2015 and spoke to another supervisor who again could not find me in the system they looked up name, social, dob, and address and and again. The lady I spoke to stated that she does n't see how XXXX could say its valid when I am not even in there system. I told AD Astra if they can give me something in writing saying I do n't have a debt with them and they said since I am not in their system I ca n't be giving a letter stating something I do n't have. AD Astra told me to contact XXXX and ask them how they are investigating and how they keep coming to the solution. I called XXXX XXXX/XXXX/2015 again and the customer service just kept repeating herself of redisputing I told her I already have redisputed it XXXX and that no one is helping, I asked her how they investigated that it was mine? like who they spoke to? was it electronic? etc. and she refused to answer me, she just kept repeating herself. I asked her that I wanted to speak to a supervisor and she just kept repeating herself that I needed to re dispute and refusing to get me to a supervisor, not until I mention that I could sue them for credit damages is when she transferred me to a supervisor. A supervisor got on the phone and just kept telling me that my name, social, dob and belongs to that debt. I tried explaining to him the situation and all he kept doing is repeating the same thing, I asked how they do their investigations? and he says they call the number on file the creditor and when I asked for that number he stated he could not provide that to me because the creditors have it, I said I have a right to know what number is being used for something that is affecting my credit report. I even told them I give them permission to call them while I am on the phone and he said that XXXX can not do that, and he just kept repeating himself not listening saying I just had to redispute and that my name, social, dob belong to that creditor, i hung up on them out of pure frustration it was like talking to a wall. So at this point Im going on 3 months of XXXX blaming AD Astra, AD Astra blaming XXXX and nothing getting fixed and no one is doing nothing to get it fixed, I am at a stale mate. This has affected me greatly since I locked my rate for my refinance and ended up with a higher rate just because of an XXXX points difference which Im sure I would of had, had this debt not been there to begin with or at least corrected in the last 2 months.
07/18/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	LA 70360	Web
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( Equifax XXXX XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
07/18/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	LA 70360	Web
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
06/05/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	VA 201XX	Web
Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Complaint Description : FRAUDULENT ACCOUNTS, ILLEGAL COLLECTION ACTIVITY ON A PAID TRANSACTION Before I understood that this company, XXXX XXXX, did not have credentials to even operate in the state of Virginia, I took out an online loan in XX/XX/XXXX when I had an unexpected financial emergency. The amount of the loan was {$500.00}. I found this company online from a referral from another reputable Bank, unbelievably. They deposited {$500.00} into my checking on XX/XX/XXXX. In XX/XX/XXXX, a short 5 months afterward, XXXX XXXX debited my bank account for 3 separate transactions on the same day. Those 3 transactions totaled the loaned amount of {$500.00}. I then demanded that the company close my record so I would not incur additional charges. Instead, 2 days later they transferred {$60.00} back into my account which I did not request. I informed my Bank. They then attempted on various dates to debit my account for varying amounts and it was then that I reported it as fraud to my bank, I heard nothing else. Fast-forward, it's now been less a year from the original loan on XX/XX/XXXX for {$500.00}. In XXXX, they debited that {$500.00} from my account all on one day. I thought matter was done. It was when my mortgage lender ran my report in early XX/XX/XXXX that they saw this collection operation, Astra Recovery representing XXXX XXXX, had reported to all 3 credit bureaus I owed {$1100.00} for a XXXX XXXX loan! I knew this was fraud. When I challenged Astra by presenting receipts from my bank on a call and email, they then claimed that yes, the initial principal sum was paid off but that the {$1100.00} was interest accruing on the " account '' ( there is no account because this is not a revolving credit line ). When I tried to locate who to contact from XXXX XXXX, I noted I had several emails from them sitting in my spam folder threatening me with legal action. These emails were badly composed with misspellings and bad grammar, which leads me to think they are a phony organization. I also then learned that XXXX XXXX is NOT permitted to operate in Virginia and that the interest rate they were seeking to charge me is prohibited in our state. As a result I have reported this matter to the Attorney General of Virginia and I have full intentions to report it to the Attorney General of the United States. I'm seeking legal counsel to take on this activity for other Americans. Not only did they report this fraudulent account of {$1100.00} for INTEREST accruing after principle paid off to all 3 bureaus and threatening me by email, but they attempted to do so during the COVID-19 crisis. What's worse is, I'm a health care worker seeking to buy a modest home and my credit report was in great shape. This is extortion, reprehensible, illegal bullying behavior and I will take this all the way as far as I have to go. This is a crime, and now they have this other organized criminal organization, Astra Recovery, attempting to collect on their behalf so they can appear to operate " legally ''. Since Astra represents criminals, therefore they too are committing a crime. ADDITIONAL DETAILS : Case is being handled by another organization : Attorney General of Virginia
09/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75038	Web
Like many others, as a consumer, I absolutely do not feel like I have the power to control what is reported on my credit profile. People just put items on your report, and we have to spend time, energy and money to get it taken off! I am very diligent in getting my profile corrected. The Credit Bureaus have a responsibility to report correct information and its not fair when they do not! I have been disputing one particular account, for well over a year. My first dispute letter to Ad Astra was sent XX/XX/18! I have NEVER signed a contract or agreed to an account or affiliation with Ad Astra, but they keep reporting on my credit report and failing but failed to provide a copy of any alleged contract or other instrument bearing my signature. I am appalled and disgusted with all three bureaus as well as Ad Astra. They have all failed to verify any debt, as required by law. I have sent multiple letters to each bureau and Ad Astra as well. Ive sent almost 10 letters to resolve this! The bureaus have failed because they continue to just send back responses saying the account is verified. Both Ad Astra and each of the bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am requesting that you demand that the description of the procedure used to determine the accuracy and completeness of the information is provided by Ad Astra or they delete the negative information from my report. They should NOT have another 30 days for this! I expect it within the next 7 days! Theyve had over a year! Additionally, please ask them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again, formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount to Ad Astra. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete and represents a very serious error in reporting. I am maintaining a careful record of my communications, should they continue their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, and they are all liable for their willful non-compliance. The law demands them to provide such documentation or the company/bureau are required to delete. I am requesting you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and XXXX, as per the law! Please find copies of my letters and company responses, but not validations or anything bearing my signature.
05/03/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
SECOND WRITTEN REQUEST asking you to remove the unverified Collection listed that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX , XXXX Edition, XXXX , defines XXXX as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) T o confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st h and knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consum er Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to th e Civil liabil ity and the remedy available to me for negligent noncomplianc e ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I dema nd the following accounts be verified or deleted immediately.
06/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 76017	Web
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt AD ASTRA RECOVERY SERVICES INC says I owe them. I am requesting proof that I am indeed the party AD ASTRA RECOVERY SERVICES INC has a debt with and that I have a contractual obligation to them that is binding legally in the court of law to pay them money. This is not a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you AD ASTRA RECOVERY SERVICES INC. At this time I will also inform AD ASTRA RECOVERY SERVICES INC. that if there offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark continues to be found or reported to any of my credit reports by AD ASTRA RECOVERY SERVICES INC. I will not hesitate in bringing legal action against AD ASTRA RECOVERY SERVICES INC for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put AD ASTRA RECOVERY SERVICES INC in serious legal trouble with the FTC and other state or federal agencies. If AD ASTRA RECOVERY SERVICES INC is able to provide the proper documentation as requested in the following declaration which is A SIGNED CONTRACT BETWEEN MYSELF AND AD ASTRA RECOVERY SERVICES INC, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to file suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If AD ASTRA RECOVERY SERVICES INC fails to respond to this validation request by not showing a signed contract between myself and AD ASTRA RECOVERY SERVICES INC within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that AD ASTRA RECOVERY SERVICES INC assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay AD ASTRA RECOVERY SERVICES INC. Any insurance claims that have been made by any creditor regarding this account. BILL OF SALE - WHICH IS THE AMOUNT AD ASTRA RECOVERY SERVICES INC PAID TO OBTAIN THE ALLEGED DEBT!
06/20/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 78258	Web	Servicemember
The company states that After receipt of XXXX XXXX complaint and review of the payment history, we confirmed that our client has record of receiving a payment for XXXX. XXXX loan on XX/XX/XXXX. However this payment was returned to our client as a debit card chargeback on XX/XX/XXXX along with a notification from XXXX XXXX financial institution that she had disputed this transaction as a fraudulent charge, resulting in a refund to XXXX XXXX. We asked our client to confirm the amount of her account, and they found no inconsistency in relation to the amount of payments applied to XXXX XXXX loan.- AD ASTRA Recovery Service Inc . The Original Creditor states XXXX XXXX obtained a loan in the principal amount of {$500.00} on XX/XX/XXXX using her personal XXXX ( XXXX XXXX ) online account. The loan proceeds were deposited into the bank account XXXX XXXX provided at loan origination. XXXX XXXX loan account was placed in default status on XX/XX/XXXX when successful payment on the loan maturity date wasnt received. Thereafter, collections activities commenced as allowed by law. XXXX XXXX contacted XXXX XXXX to set up a payment arrangement, however, the agreed upon payments were not made. A review of the loan history reflects that XXXX XXXX initiated a collections payment for the past due balance on XX/XX/XXXX as authorized in the signed loan agreement, which paid the loan in full ; however, on XX/XX/XXXX, this payment was reversed by XXXX XXXX bank resulting in a chargeback and the balance being owed again.- A XXXX XXXX XXXX XXXX XXXX XXXX. Both companies made the above statements in regards to an initial complaint filed through the CFPB on XXXX, and the dates they specified as receiving payment and then a chargeback dont reflect the same days that are stated nor do they match the date reflected on either statement submitted. Both companies state there was a charge back in the month of XX/XX/XXXX and if that were true there would be another amount of {$610.00} that doesnt reflect the charge of ( $ XXXX- on the date of XX/XX/XXXX ) with the transaction date showing XX/XX/XXXX. Both companies denied the second payment of {$610.00} on XX/XX/XXXX because of the amount. All 3 Credit Reporting Agencies show a balance due of the said amount which is why I paid such amount. XXXX XXXX states that I procured the loan via the XXXX XXXX website online which is in fact untrue because I went into a local branch in XXXX, AL @ XXXX XXXX XXXX. Both companies state that they dont accept or report inaccurate debt amounts but all reporting agencies show otherwise. Again if you review the attached statements, you will see that there was no chargeback or credit awarded to my account in the amounts the companies recall. Any chargeback would be reflected on the statements as a Provisional Credit and as you can see there is none.
07/18/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX XXXXX	Web
I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly. Ad Astra refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st h and knowledge of the alleged accou nt ( s ) an d all that has ever transpired for the alleged accou nt ( s ) , under oath and under the penalty of perjury. As I am sure that you are well aware, curre nt Federal case law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' tha t merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations impose d by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company . Also provide every single debt statement i had through the course of the said account. 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.
01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76135	Web
In accordance to FCRA Section 609, these accounts was further disputed in XXXX XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery removed the XXXX accounts in question from my XXXX reports but still failed to remove the XXXX accounts from my XXXX and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/XXXX/XXXX. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they deleted the items from XXXX report but not from the other XXXX credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why did they remove them from XXXX credit report ( XXXX ) and not from XXXX or XXXX? This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
10/09/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38016	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$500.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect a charged off debt. DESIRED RESOLUTION What do you think would be a fair resolution to your issue? Remove the debt from all three credit reports, show as paid. Delete Charge Off Status.
05/13/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 77090	Web
I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.
07/05/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MO 657XX	Web
I noticed last year in pulling my credit reports for annual check an account listed as " collections '' and " Opened '' on XX/XX/XXXX by a collection company by name of Ad Astra Recovery System collecting for XXXX XXXX XXXX. It was later XX/XX/XXXXthat I started to receive numerous phone calls. I had googled the company and found a lot a people have had complaints against the company in trying to collect non existent debts/debts that were already paid in full. When I spoke with a " company rep '' " XXXX '' the 2 -3 times that I did, and I 'm not sure that was even her real name, over the course of about a month or so, I told her each time that I was disputing the debt and to provide the following for my review so I could 'formally '' submit in writing my dispute and go point by point down the list in rebutting. She would come back with quite persistently and tell me each time that she could take a credit card payment that day and that she was authorized to take xyz amount to get my account settled and closed. Each time I came back and asked her to provide me with information for my review first. After talking to her the last time, I just let the calls ring thru and someone from the company kept calling for a few months, basically 2 to 3 times each and every day ; it became predictably annoying as it would ring and then hang up, but they never left a vm. When I spoke with " XXXX '' I asked that I be provided via snail mail, all of the following. 1. A copy of original contract with the debtor with my signature 2. The original loan amount 3. The original date of alleged default 4. The date this alleged debt transferred from the original creditor company and date it was bought by them 5. The Surety Bond information Interestingly enough I never received any written communication from them at all after my requests to provide me with my requested information and eventually the phone calls stopped and I thought the matter resolved, but I was wrong. Flash forward a little over a year later, when I just went to do my annual credit check today, XX/XX/XXXX, my surprise that this " collection '' status is still showing on my reports, even though I asked them to remove the information if they could n't provide me with proof. I do know now I should be checking my credit report on a more 'frequent basis '' and use a free service to do so from here on since I only checked 1 time a year to get my " free annual report ''. I am asking that this company since they could n't provide me with the requested information showing this to be a legitimate debt to strike this off my credit reports.
05/17/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77045	Web
In accordanc e to FCRA Section 609, t hese accounts was further disputed in XXXX XXXX . I advised AD Astra with a validation letter to prove this debt is mine. In addition, AD ASTRA has failed to send back the original documentation bearing my signature. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX and way past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occas ion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue fro m day one. I fe el that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
10/28/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 64138	Web
This company ( XXXX XXXX ) 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 ). 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.
09/16/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
In accordance to FCRA Section 609, these accounts was further disputed in XXXX, XXXX, XXXX, and XXXX 2017. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. All dates in which I have stated I do not have account with AD Astra Recovery. They have continued to report inaccurate information. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery closed the account with XXXX than it was reopened. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed the account on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
10/13/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 781XX	Web
I obtained what was supposed to be an installmant loan through XXXX XXXX on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about 200 dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over two thousand dollars worth of payments overtime. About half way through i had logged intoXXXX XXXX to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called XXXX XXXX to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month XXXX XXXX has had a collection agency ( ad astra recovery services ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional 1000+ dollars.
08/11/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 90046	Web
Please see emails to company below. It is impossible for me to include all the times they have contacted me as they call from different/blocked numbers. Hello, Today, despite the communication below on XX/XX/2020, I received a threatening text message and my MOTHER received a threatening voicemail on her HOME ANSWERING MACHINE from a number associated with your company. This is your official notice that, as outlined below, I will be contacting an attorney and pursuing legal action against your company for your many violations of federal and state laws regarding debt collection. Please look forward to a call from my attorney before the end of the week. On Sat, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : I have not heard back from you regarding my alleged debt. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the California Attorney Generals office. Civil and criminal claims will be pursued. Sincerely, XXXX XXXX On XXXX, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2020 AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS67205 Dear Sir/Madam, Re : Account # : XXXX Im writing this letter to open a negotiation on the alleged debt for the account number provided above. After a period of financial hardship, I am currently working to address several alleged debts listed on my credit report. However, I still have limited resources and will only be able to provide partial settlements for the alleged amounts owed. With that in mind, I would like to propose to settle this alleged debt for {$45.00}. In return, I request that your company remove this collection account from my credit report, along with any related negative information. I also request that you do not sell the remaining alleged balance to any other company. If your company is willing to accept each and all of the above aspects of this request, please prepare a settlement agreement, sign it and send it to me via email. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, XXXX XXXX
11/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91607	Web
I feel like I am at a disadvantage against Ad Astra. I have explained my self in debth and requested they stop their aggressive and annoying methods of contacting me and yet they refuse to hear me out. This account should be deleted from my credit report. they are making me reach un realistic means to proof myself to them while i sit back and allow them to pretend that they are a legitimate business and that they care about the oidenty theft i endured. I have asked them to remove this account from my credit report, not so much because of their obviously ILLEGAL tactics of trying to obtain a debt from me, but because etches was not a loan that I EVER requested nor are there any items of proof or any evidence or ANY investigation for that matter. I am very offended and afraid of this company. They had been calling and calling my cell phone and home phone at all hours of the day and when I bought my concerns here to this portal they denied EVERYTHINg and claimed that it never happened and then they proceeded to pretend like they cared about me and the fraud that wa done to me and that they sent me numerous pamphlets and paperwork to followup and go to the police station and have NOTORIZED! Who are these people! I have to bend over backwards to prove myself? I ams so offended by these people, I am so afraid of these people. I have asked them in the past to leave me alone and they have not. Then they tried to act like they were good people when I brought my fears here to your CFPB portal. I think that they are fake and liars. I have read MANY traumatizing stories about this company and someone had blogged about coming to this portal and filing complaints and stopping the,. But they continue to send me voice messages. They even spoke to my mother and discussed the " debt that I was Scheuled to pay ''. I have NEVER schedule any payments with them. I am certain that this was not lawful. Most importantly, who is going to investigate their usage of robotic voice calling? I have relied those annoying calls. I WIL Not submit to these people. they expect me to go to hell and back to prove myself yet they can not follow the law themselves and prove anything back to me! All they have hurtfully done is repeatedly defended their " clients '' who ever that may be against me and I feel ABSOLUTELY HELPLESS AND HURT! What are my options? I will not deal with them anymore. They are deceitful and XXXX!
10/18/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 92054	Web	Servicemember
I never received a response back concerning my disputing what this company stated for my XXXX/XXXX/2016 complaint. The company still has not removed the false items from my from my credit report. On XXXX/XXXX/2016 I responded to this company .... I do not agree with this. You can come up with XXXX pieces of paper, but until you come up with a legal document that has my original signature that I walked into a building and signed you have nothing. I did no such thing as go on a computer and borrow money from anyone Ad Astro has not contacted me via phone, because I have never spoken to anyone at this company nor have I received any mail from them. Ad Astro just reported the accounts on my credit report and that is how I found out. All XXXX of my credit reports for 3 years had initial fraud alert 's placed on them, because someone had used my identity. Not until last year did I have the fraud alerts removed from my credit reports. Ad Astro has been no help at all in trying to get this situation corrected and the items removed from my credit report. Also, e-signed documents are not documents showing my signature. If I needed to take out loans I would have walked into an office requesting XXXX. Ad Astro claims that they checked accounts information and was told that the accounts were correct in there response, ok so where is the actual documents showing that I signed for loans, there is none. Ad Astro seems to just update the XXXX and not even check to make sure that the information they report is correct. At no time have I been sent documents showing anything that this company claims to have done to correct or even look into this issue. I will not pay a debt that I did not create. Anyone can go online with my information as they did and take out a loan. I feel like this company should have validated the identity of the person that took out the loan with a photo or something more accurate, but they did n't and why have n't the loan companies contacted me if I so called owed them for a debt. And please stop lieing in your response in XXXX paragraph stating that you all remove items until the issue is resolved and then turn around in the next paragraph and say we have contacted the bureaus to place the items back on to reports when in all reality nothing was removed in the first place.
08/23/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 75248	Web
I assume no monetary responsibility for this alleged debt. Be advised this is not a refusal to pay, but a notice that your claim is hereby disputed and validation is requested. THE DEBT IS NOT MINES. On XX/XX/2018 I requested validation of this debt per Texas Finance Code and to be provide with : 1 ) Original Agreement that bears the HANDWRITTEN signature and/or ESIGN digital signature ID number of the alleged debtor wherein he/she agreed to pay the creditor. 2 ) The name and address of the original creditor 3 ) The original date of default or non-payment of the debt with original creditor 4 ) The date the debt was transferred from the original creditor to the third-party debt collector 5 ) The original balance 6 ) The current balance 7 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 8 ) Texas Surety bond information as required by Sec. 392.101 9 ) Agreement with your client that grants you the authority to collect on this alleged debt. 10 ) Any insurance claims been made by any creditor regarding this account. 11 ) Verification that this debt was assigned or sold to collector. 12 ) Complete accounting of alleged debt. 13 ) Commission for debt collector if collection efforts are successful As of date, Ad Astra has NOT provided the above documentation and continues to violate Texas law. On 7/10/2018 i received fake Loan Documents with my name typed in on the signature line and and Open End Loan History that did not support the amount they are try to collect ( see attached ). I did NOT receive a loan for {$860.00} from XXXX XXXX or Ad Astra Recovery. Per the documents provided, the documentation shows NO evidence of a {$860.00} loan was funded to me. The Open End History documents clearly indicates that {$380.00} was funded and {$470.00} was paid directly by me ( Allegedly ). Not {$1200.00} or {$860.00}. Ad Astra is tacking on their own collection fees and lying about it. Also, there is no loan number for the alleged {$860.00} loan. Again I assume no monetary responsibility of this alleged debt however, due to their own evidence the loan funded was PAID. AD Astra is breaking countless federal laws and Texas laws regarding the collection and reporting of this debt. I intended to exercise my right to the fullest.
05/30/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 456XX	Web
Received first correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019. Letter had 3 different addresses. 1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019. So far has not been received. Received second correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019 stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.
04/06/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 77375	Web
AD Astra Recovery service is on my credit report. I did a request for verification of a XXXX loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the Summer I did attempt to start business funding. My information was given to third parties. I did have phone contact with AD Astra Recovery. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. I did receive an email from XXXX for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research XXXX. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. I have read many complaints about Astria Recovery and XXXX. I ca n't find they are invested with each other. Astra Recovery Systems and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX SEM scheduling called my home. He did give out Recovery Service was going to my home to serve me. Who will be my lawyer in XXXX TX. I drew up a legal notice to AdAstria. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. AdAstria had no permission to contact or send any packages to my lawyer. My attorney called me XX/XX/XXXX and told me that AdAstria did get in contact with him to verify him as my lawyer. AdAstria had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.
01/08/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 71111	Web
Despite my three requests to delete the speedy cash account that ad astra is trying to collect on that I do not own, Ad astra still remain to report the UNVERIFIED account. The account remain on my credit report in violation of federal law. In the results of AD ASTRA re-investigation AD ASTRA stated in writing that the items on the account is being reported correctly and that they verified the account sold to them by speedy cash that I do not own. I have never had a Contract with speedy cash or AD ASTRA and I still DO NOT have an account nor CONTRACT with the companies. They still have not identified who in their company verified the accuracy of the account or how they verified them. XXXX 's Law Dictionary, 6th edition 1990, defines " verification '' as confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in arerments or statements of persury. AD ASTRA failure to provide me with verifiable proof required for they company to post the account is evidence that it does not exist and therefore is proof that AD ASTRA can not properly verify the accuracy of the disputed account. Under section 611 ( 5 ) ( A ) of the FCRA, AD ASTRA are required to promptly " DELETE all information which can not be verified. DUE TO AD ASTRA willful disregard of the law I intend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that i may be entitled to under section 616 & 617 if the unverified account are not deleted within 10 days. AD ASTRA is violating the law by not deleting the account after several requests for the account to be deleted if it wasnt verified. I am well aware that a bill is not verification of a debt. I also stated to AD ASTRA that I wanted to see a contract or something with my signature on it which they did not and can not provide because the account is not mine. AD ASTRA has it bad about not responding to a request and just putting verified as the dispute resoultion without correctly handling the situation. The law is very clear as to the civil liability and the remedy available to me.
02/01/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AZ 85281	Web
I called AD ADSTRA RECOVERY SERVICE to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XXXX XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.
11/18/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77091	Web
I pulled my credit report and did not know who this company, AD Astra Recovery was saying that I owed a debt to them from a XXXX transaction. I have paid all of my debts so I asked them to validate the debt per my consumer rights protected by the Fair Debt Collection Practices Act. I sent them a Validation Demand on XX/XX/2019 asking for a contract, statements or detailed billing history to prove the debt was mine. I did not get a response. I disputed the account with the Credit Bureaus letting them know that this account was in violation of the law, the collector did not validate it, and asked them to remove it. All three credit bureaus said that this company AD Astra Recovery verified it and continue to report it. So I sent another Validation Demand to AD Astra Recovery to show me proof that this debt was mine on XX/XX/2019. I did not get a response. I again disputed with the credit bureaus letting them know that my rights were being violated, that this company is not complying with the FDCPA and for them to report a debt that the collector does not validate violates the Fair Credit Reporting Act. All three continue to report it and claim that AD Astra Recovery has certified that is correct and my debt. SO I sent a follow up letter on XX/XX/2019 to AD Astra Recovery asking them if they can certify it's mine with the credit bureaus why can they not send me the same certification? I did not get a response. I have read, while researching this account, that AD Astra Recovery often violates the law and does not comply with the FDCPA. What upsets me is that this is still on my credit report after multiple violations and that the credit bureaus refuse to recognize these violations. I have asked the credit bureaus to send me the proof from AD Astra Recovery that they are using to verify it and they refuse. I just get a generic letter that says it was verified without any information that proves it was verified by them. How can the credit bureaus also violate my rights and get away with it? I want this debt removed from my credit report for violating my consumer rights protected by Federal Laws FCRA, FACTA, FDCPA.
06/18/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91766	Web
XXXX XXXX, the lender in question, claims that I applied for and received a loan in the amount of {$300.00}, ( {$250.00} plus {$45.00} finance charge ). I have applied and received loans from XXXX XXXX in the past few years, and never had any problems at all, until now. I don't understand what happened. I took out a loan from them back in XX/XX/XXXX, to be repaid by my bank, XXXX XXXX XXXX on XX/XX/XXXX. As you can see in the enclosed bank statement, ( highlighted in yellow ), XXXX XXXX debited my account in the amount of {$300.00} as agreed, on XX/XX/XXXX. It was the way XXXX XXXX and I conducted business ; I applied for {$250.00} loan, and they would debit my account on the 3rd day of the following month, period. I never had any issues with regards to not paying my loans with them. The loan I took out in XXXX was the last loan I obtained from them. No other loans were taken out. I attempted to take out more loans back in XX/XX/XXXX, but they denied my requests stating that a loan was " not paid '', and that I had an outstanding balance of {$300.00} which had to be paid right away. I had no idea what they were referring to. I tried talking to them, to their manager at the store location, but they told me that the loan had to be repaid. I still do not understand what happened here, or why they're claiming that I owe such alleged loan. I have inquired with my bank, XXXX XXXX XXXX, to see if maybe I overlooked something, but they have had not " requests for payment ( s ) from XXXX XXXX since the last payment was debited on XX/XX/XXXX. NO REQUESTS WHATSOEVER from XXXX XXXX. If I had in fact, taken out any loan ( s ), I'm sure XXXX XXXX would have had no problem debiting my bank account. At this point I do not know what to make of this matter. I am assuming that someone at the store location with XXXX XXXX made a mistake, because I have not taken a loan since the date above mentioned. One more thing, the name of the XXXX XXXX representative who signed the alleged contract at the alleged time of the loan, I do not recognize, since I remember most of the clerks ' names at this particular store location.
09/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91607	Web
I would like to request an investigation into the practices of Ad aAstra. I have repeatedly asked them to remove their account from my credit report as it is not valid an they simply refuse and are putting me through loops. I do not require any further action against this account that has been placed against me for years. It is amazing to me how they continue to deny deny deny ever harassing me via telephone, they are refusing to acknowledge my dispute of these accounts fro the past XXXX months, they are refusing to accept the fact that I am aware that they break laws that affect consumers ' lives and they do not care! I am not going to go forth with any more communication with this company. I have files every necessary document and I have forwarded everything through the XXXX credit reporting burrows asking them to forwards my findings and my dispute to this company. I have also filed a dispute via fax and mail with Ad Astra and have NEVER heard back from them after they kept verifying the inaccurate an fraudulent accounts to me over and over again and never ever telling any of the bureaus why, how and when these were verified or how they were accurate. I do not understand how and why they continue to make me relive this nightmare and this horrible account under my name. I am a new graduate I am trying to get my life back together and I have run out of options and this company is trying to shut me up shut me down and push me into a corner over an account that was never opened by me. I have to start my life and they are holding me back. I have been denied credit cards from XXXX, XXXX and a car loan because of this collection! I am so appalled at their practices and I will absolute take this case as far as I can go. I am certain I am not the only XXXX in this situation. And please DO NOT deny the fact that you use robotic machines to leave message after I refused to pick up your phone calls. You are certainly guilty of that and in my state, of California, that is not something you are allowed to do. And thank XXXX for this website an their twitter account, or else how would i know!?
01/07/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	KS 671XX	Web
I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for XXXX XXXX, opened in XX/XX/XXXX/XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from XXXX XXXX still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these XXXX XXXX accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how XXXX XXXX and Ad Astra Recovery Services regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX. Sincerely, XXXX XXXX CC : XXXX XXXX Corporate Office
06/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77449	Web
Ad Astra refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX 's XXXX XXXX, XXXX Edition, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company. All this has occurred at the end of XXXX and month of XXXX
08/10/2019	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 Problem with personal statement of dispute	TN 38115	Web	Servicemember
I submitted disputes to XXXX, XXXX, AD Astra Recovery Services, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXXXXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
09/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75007	Web
On XX/XX/XXXX, Ad Astra Recovery Services ( on behalf of XXXX XXXX ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with XXXX XXXX in XX/XX/XXXX, and subsequently worked out a payment plan with XXXX XXXX and Ad Astra in XX/XX/XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( Ad Astra claimed to have sent letters but I have received no such letters from Ad Astra ). A year later, Ad Astra charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted XXXX XXXX on XX/XX/XXXX, and was told that they had placed the account with Ad Astra and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at Ad Astra, I was told that they believe the transaction is valid and that they would not refund it. I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, XXXX XXXX and Ad Astra essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that Ad Astra did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.
10/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CO 802XX	Web
I have already contacted you guys about this and its not resovled and the business is with holding court sealed documents that i provied them with showing i was incarcerated during the time of this account i was incarcerated on 2 separate cases and i served 2 separate sentences for both cases and i provide the business with both documents of this and you guys just let them close the account well its not mine i want it removed off my credit report its not mine so i dont want it closed so its a negative report on my credit yes i may make mistakes but i pay my bills when i have them but this is just not right ive never in my life been to a speedy cash my wife works at money tree here in Colorado if i wanted a pay day loan thats were i would have went so there not removing it and its not mine. My wife works for a pay day loan place and she said by law when a person gets a loan they should have finger printed documents from the person receving the loan well they need to provide these documents because those finger prints will have the proof that its not me ive been a victim of theft someone has stole my identity and i want this removed not closed i want it removed off my credit or i will have to hire a lawer to handle both of these companies that are letting people use my name in theft which is also a crime in it self and i will not let thus go on this is not my account please contact this company and have it removed from my credit not closed because closed is stating its still mine and it shows up on my credit this is not my account its some stealing my identity and it should be removed all the way off my credit report i have court sealed documentes that i will provide you with that shows i was incarcerated during the time this account was opened and ask the companys which are envoled in this act of crime against me and have them remove this completely off my credit report not just close it because its not mine i should not have a debt on my credit if it is not mine i want it removed.
01/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NV 89015	Web
OnXX/XX/XXXX I called XXXX XXXX store # XXXX @ XXXX. In reference to a title loan that 's currently on my credit report with Ad Astra Recovery Service @ XXXX. I called ad astra to inquire about them removing said accounts from all 3 Bureau bc the vehicle was towed, sold and a lien release was giving for the title. While my account was n't updated with transfer of sold vehicle. Mean while Ad Astra Recovery stated, " they no longer had my account it was referred back to title customer service @ XXXX or customer relations @ XXXX XXXX Which never udated my account to different status or collection agency. Ad Astra also informed me that they cant keep the collection account for over 181 days. On XX/XX/XXXX I recieved a call back from " title customer service '' stating debt was still owed whether they have my Collateral or not. She also implied that their were 6 outstanding loans on this vehicle totalling over 6,000.00. I replied to her I never got more than 2,000.00 in any of those title loans and that their is fraudulent activity going on at XXXX XXXX i.e to all the title loans or bank loans associated with my account at XXXX XXXX store # XXXX. I ask the representative to please remove ad astra from all 3 bureau and she declined. Bottom line is ad adstra no longer has my collection account and I want it removed or with an updated balance from when the car was sold by XXXX XXXX in XXXX XXXX. They housed the vehicle for 2 yrs b4 it was sold so it should mean that XXXX XXXX XXXX owes XXXX XXXX the Title, my guess. Lastly the only reason why I knew the car was sold in XX/XX/XXXX. Ironically, I recieved an inbox from XXXX XXXX of the buyer of my XX/XX/XXXXXXXX asking if I had the original key to the vehicle to get the trunk opened. The loan number that was giving reflects my credit report and Ad Astra Recovey Service no longer has Responsibility to hold my account as a debt. I am all out of options and in desperate need of help. Thank you in Advance.
12/28/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89145	Web
On XXXX XXXX, 2017 AD Astra Recovery Services , Inc contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX, which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged XXXX XXXX creditor and I received communications from AD Astra Recovery Services , Inc. without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.
12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AK 99508	Web
AD ASTRA REC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AD ASTRA REC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AD ASTRA REC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
08/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91607	Web
This company continues to call an harass me after I have told them that there is NO way that this account is mine. I have disputed this account numerous times and I have received absolutely no paperwork or any form of validation, even though they claim to have sent it. This account is not associated with me and this company has continued to annoy me with their voicemails regarding a debt that I supposidely owe and they use annoying machines to leave these messages. I have never even spoken to their agents. they only answered me when I brought my concerns to the CFPB and they are trying to scare me by quoting laws against me to intimidate me but I will not be intimidated. I doubt that Ad Astra follows the law, so I will complain until the federal government does something about their fishy tactics. They have nothing against me, I do not even know what they are calling about and I have repeatidly asked the credit bureaus and AD ASTRA to remove any derogatory marks off of my credit reports. They are damaging my credit and my life and they do not even follow any laws themselves. I have disputed this account since XXXX and I will only bring this matter to the CFPB until this obviously fraudulent account is deleted from all three of my credit reports. DO NOT CALL ME ANYMORE! You have surpassed your requirement to responding in the appropriate amount of time because I disputed this item in XXXX with your company. Why did you only respond on this portal. Also, I would like the CFPB to know that they have discussed the supposed debt that i " owe '' with my parents, who were shocked and hurt by their claims that this will continue to damage me until I pay. What is this company about!? I have placed a fraud alert on my credit report. There were fraudulent accounts opened at XXXX Bank under my name. So if this is another fraudulent account and you keep collecting on it and reporting to my XXXX credit repeorts then I will escalate this
07/30/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MN 554XX	Web
I contacted Ad Astra, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a XXXX payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party on the inbound call, which violates FDCPA. I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. Ad Astra never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. I request that the CFPB does an independent audit at Ad Astra, reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
10/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11206	Web
XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LAST FOUR : XXXX XX/XX/2018 AD Astra Recovery Servic XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Ks XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Provide Physical Proof AD Astra Recovery servic, FOR THE AMOUNT OF : {$620.00}
04/14/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75115	Web
In XX/XX/XXXX, I saw an entry on my credit report from Ad Astra Recovery for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last four of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to XXXX what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, Ad Astra sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to Ad Astra in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with Ad Astra. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with Ad Astra and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all XXXX bureaus immediately and all collection attempts ceased.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75702	Web
AD Astra has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that AD Astra verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. AD Astra also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. The numbers are as follows, but are not limited to, because I have a very extensive call log from AD Astra : ( XXXX ) XXXX XX/XX/2017 @ XXXX, XXXX, XXXX, XXXX, XXXXXXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 @ XXXX @ XXXX @ XXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue. Phone calls from AD Astra needs to immediately cease and this account needs to be properly verified as requested above or removed immediately.
06/19/2020	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 Their investigation did not fix an error on your report	TX 77065	Web
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for Ad Astra Recovery Services to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 2. Name, address, and telephone number of each person contacted regarding this alleged account. AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( Ad Astra ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to Ad Astra Recovery Services, therefore, not owing them any debt. I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85016	Web
This company ( Ad Astra Recovery Serv ) 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 Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. 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 Arizona Department of Financial Institutions ( AZDFI ) 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. 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.
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX XXXXX	Web
XXXX Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with Ad Astra on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. to show XXXX XXXX XXXX XXXX -Ad Astra XXXX Date of Last Activity 2 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
03/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 361XX	Web
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called AD ASTRA RECOVERY SERVICES who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX Date reported : XX/XX/XXXX Original Creditor Name AD ASTRA RECOVERY SERVICES Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX Asset Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
10/18/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63118	Web
On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor? Do you have a contract between your Ad Astra 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 my information to any party other than the account holder without my 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? Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them. Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information? Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically? 73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect. While on the phone with this company a representative even stated that I have no contract with Ad Astra.
06/01/2018	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 770XX	Web
I reached out to AD ASTRA collection company due to seeing their number listed on my report. The first thing I noticed is they are reporting on my credit report under " XXXX XXXX XXXX XXXX '' but when I call their number they say the name of the company is AD ASTRA. I sent A certified letter requesting debt validation as they have two accounts listed with open dates XX/XX/12 & XX/XX/2012 for A place by the name of XXXX XXXX. I have informed them via writting and over the phone that I have never done business with such company. And I requested That they send me debt validation showing original contracts showing that I had an contractual obligation to this company. Which they refused to send me. When I called the representative informed me they do not have to give me that information and if it wasn't me then they wanted me to send them A police report in order for them to look into this account. Their representative was very nasty and unwillinging to help. She continued to say things like " Your accounts '' when I repeatedly informed her those accounts where not mine and I have never agreed to business with such company. I asked to speak with A supervisor and was informed by the supervisor that they could not send debt validation unless I request so in writting ( Which I have already done ) She explained they didn't receive the request and I would need to send it again. I have been reauesting this information for some time now and seem to be at A dead end with this company. I also asked since AD ASTRA are the ones reporting on my credit report why where they reporting under A different name? This company seem like A scam! I am requesting legal original contracts validating this debt with my signatures or for this to be fully removed from my credit report or I will escalate this even further.
08/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91607	Web
I just received a response from Ad Astra and they claim that the account i have placed under fraud alert is mine. I have had no luck trying to dispute this item for many months now and I have explained to all parties involved, even the XXXX credit reporting bureaus that I have had fraudulent accounts opened under my name, starting with XXXX XXXX. Somehow this company is abusively calling me regarding this debt that has nothing to do with me, and I even told them that all of the machine messages they left on my cell phone were against the law in my state of California. They refused to place this account in dispute when I challenged its validity and they claimed to have sent me paperwork which is also nonexistent. I have never received anything from them. I have suffered so much at the hands of this company. They choose to pretend I do not exist until I bring my case here to your portal. They have absolutely no right to report to my credit files and try to make me pay for something that is not mine and this company whom they work for is apparently accepting applications from fishy people. What is more hurtful is that they did n't even wait XXXX day to attack my concerns and my complaint. they just responded like I do not matter and as if my case has not been in dispute since XX/XX/XXXX. They are the ones who are the problem. How am I supposed to defend myself? They send me a ridiculous link on fraud protection when I have told them many times that there ALEADY is a fraud alert on my credit reports, so how are they allowed to keep this up? How was their client allowed to pull my credit? i do not understand this. I have a XXXX different things I will say until this company is investigated for violations against consumer rights. I will not stop fighting this company an their client, no way.
07/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78253	Web	Servicemember
I initially disputed this item in XX/XX/XXXX to have it verified and validated. I received notice that the debt was verified but did not receive proper documentation in accordance with both my request and according to the FDCPA, FCPA, along with the corresponding local state laws in which I have and do reside in. I was also advised that the account would be listed as disputed in their updates to the credit reporting agencies. However, as required by the FDCPA Section 807 ( 8 ) this was not done. I was to find out that this has not been done as far out as even my XX/XX/XXXX reporting period. I made a 2nd attempt sending a letter in XX/XX/XXXX, to request proper validation only to receive the same incorrect documentation which still is in violation of the aforementioned regulations. On the XX/XX/XXXX, I sent a final goodwill letter to request that the company place the " notice of dispute '' on my account within the period required by law, which again was and has not been done even though I received the same form letter stating that it would be. Lastly, after searching the Secretary of State 's Debt Collector 's Database and finding no information, I submitted a request to the company to produce proof of a valid debt, as well as advising them of the " notice of dispute '' issue, and also requesting that they produce confirmation that they were legally bonded to collect debts in my state. This letter was sent out on the XX/XX/XXXX and signed for on the XXXX of the same month. To date, I have not received any proof that this company was or is in possession of a Surety Bond for my state and the last letter I have received from them was on the XX/XX/XXXX which was another form letter exactly the same as all the rest but still not in compliance with the applicable laws.
03/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 707XX	Web	Servicemember
XXXX XXXX, LA XXXX Ad Astra Recovery XXXX, KS XXXX Account # XXXX Dear Ad Astra Recovery, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX for code of ethics violations. Sincerely, XXXX
09/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77407	Web
On XX/XX/2018, I notice that a company named Ad Astra was reporting a collecting debt in the amount of {$1800.00} on my credit reports. It was unlawfully reporting I owed this amount via XXXX XXXX out of XXXX, KS. I disputed with each credit reporting bureau that this debt not mine. I also wrote to Ad Astra requesting the following in order to properly and lawfully validate this alleged debt : 1. Complete payment history, the requirement of which has been established via XXXX vs.XXXX and 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to Ad Astra. ( Agreement with XXXX XXXX ), that grants you the authority to collect on this alleged debt. ) 4. Intimate knowledge of the creation of the debt by you, the collection agency Ad Astra never returned a response to my letter, and all credit bureaus reported back that Ad Astra unlawfully verified the debt was mine. I sent another dispute to the credit bureau in XX/XX/2018 after getting an alert from my credit monitor that Ad Adstra was still reporting on my credit reports. Again, I stated that the debt was not mine and to remove the account from my credit reports. They returned the dispute that Ad Astra verified the collection account as mine and the account has unlawfully stayed on my credit report. Also in XX/XX/2018, I resent my request for validation letter to Ad Adstra, only to receive a 1 page letter from them dated XX/XX/2018 that stated " they reviewed the account file with our client and determined that the facts in reference to this debt are consistent with the information provided by our client. '' There was no documentation as I requested, to support that this debt was mine.
06/06/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NV 89117	Web
On or aroundXX/XX/XXXX, I had fell upon very hard times and took out a payday loan from XXXX XXXX. I was unable to repay the loan according to the original terms and called XXXX XXXX to try and work things out. They told me the terms were no negotiable and my account would continue to be charged astronomical interest fees on a daily basis and be turned over to collections. As I was on fmla medical leave at the time with only a small portion of my normal pay I was unable to meet their demands. Several months later I received a mulitude of threatening emails, text messages, and phone calls from Ad Astra Recovery Services threatening to sue if I did not pay not only the original amount borrowed from XXXX XXXX but a few thousand dollars more in accrued interest and that they would keep charging my balance interest fees monthly until paid in full. I made arrangements to borrow money to pay off Ad Astra Recovery In Full in XX/XX/XXXX with a promise to pay in full for deleting their reporting to XXXX, XXXX, and XXXX ( Pay for deletion ). I went to their lawyers office on XXXX XXXX in XXXX XXXX and paid the original loan and interest in full as well as the additional accrued interests and charges they collected from me to prevent being sued. They were suppose to remove the remarks and account from my credit report but have not done so despite multiple and repeated credit reporting disputes. This account on my credit has caused me great harm financially and hurt my ability to secure a mortgage loan. I want Ad Astra Recovery, a third party collection agency to remove this information from all three bureau credit files permanently. They did not hold up their end of the bargain and I paid them over {$5000.00} for a loan that was thousands less than owed.
07/27/2018	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	Servicemember
Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted XXXX XXXX XXXX who is the collection company handling the accounts. I've asked on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that XXXX looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. Reporting by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Bankruptcy Court
01/13/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 852XX	Web
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX
02/24/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 92707	Web
Ad Astra Recovery Services Inc. has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with XXXX XXXX XXXX for them violating my rights and withdrawing funds out of my Checking account without my authorization. Ad Astra Recovery Services Inc. told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. Ad Astra Recovery Services Inc. lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at Ad Astra Recovery Services Inc. I fist spoke with XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/XXXX. Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX AD ASTRA XXXX KS XXXX CARD XXXX {$2400.00} I would like Ad Astra Recovery Services Inc. 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information
07/28/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TN 37075	Web
On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX and XXXX that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that Ad Astra should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. As of XX/XX/2020, I have yet to receive anything via email or mail from Ad Astra to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.
07/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80127	Web	Servicemember
Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with Astra, XXXX and personal identifying information. Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis. Defendants XXXX willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. Defendants Astra and XXXX willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that Astra and XXXX did not have Plaintiffs signature on any documents, that Astra and XXXX had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants Astra and XXXX about this fraud.
03/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX XXXXX	Web
On XX/XX/XXXX, I submitted my original complaint against Ad Astra and their attempts to collect a debt that was included in bankruptcy. They responded back stating that they had contacted me several times, which included mailing " 12 '' letters and voice recordings of me saying that the debt was not included in the bankruptcy. Which they did not provide. They sent 4 letters, 2 for each account. On one letter dated XX/XX/XXXX and one dated XX/XX/XXXX that notate my current address printed on it, which was not my address at either of those dates. They also stated that the bankruptcy was filed in XXXX of XXXX and discharged in XXXX of XXXX, which is incorrect. The paperwork they sent via certified mail did not bear a signature and several incorrect pieces of identifying information ; phone number, time at residence, and employment. Ad Astra also stated that they had properly validated this debt on previous occasions when I disputed it via the 3 national credit bureaus, which they never provided any documentation. What they have asked is that I provide them copies of the bankruptcy to verify my complaints. Which is the opposite of the company validating the debt to prove they are entitled to collect. They did not provide " documentation '' until I submitted my complaint with this agency. It makes me wonder when Ad Astra received this " documentation. '' Since submitting my complaint to this agency, I have found out that this debt has reached the State of Texas ' Statue of Limitations and it is not clear if Ad Astra is eligible to collect in Texas since their surety bond company is no longer accepted as a surety bond company according to the Texas XXXX XXXX XXXX XXXX website.
05/21/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 360XX	Web
On XX/XX/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XX/XX/XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to AD ASTRA Recovery Service for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to AD ASTRA Recovery Service, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. AD ASTRA RECOVERY SERVICE is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.
07/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78741	Web
Hello, I originally mailed my credit dispute letters to XXXX, XXXX, & XXXX on XX/XX/XXXX. I am disputing the following items with the alleged amounts below : 1 ) AD ASTRA RECOVERY SERVIC - {$2200.00} - XXXX XXXX 2 ) XXXX XXXX XXXX- {$200.00} - XXXX XXXX 3 ) XXXX/ XXXX XXXX XXXX XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - XXXX XXXX My dispute letter contained the following details : To Whom It May Concern : Upon checking my credit report, it has been notified that there are negative and inaccurate information shown. I have no knowledge of these accounts. Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature, validating claimed debt by proof of your legal right to collect, an accurate accounting of the amount, identity verification such as ID, Social Security card, voice recording and a copy of the original account agreement or a signed copy of your original contract. If this verification documentation can not be provided I would kindly like for this information to be deleted off my consumer credit report. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section, and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$3000.00} per violation for : Violations of the Fair Credit Reporting Act ( FCRA ), Violation of the Fair Debt Collection Practices Act ( FDCPA ).
08/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 657XX	Web
I am disputing Ad Astra Recovery Systems showing on my credit report for a collection as this is not a legitimate debt owed. Debt was paid in full to original creditor. In review of paperwork all scheduled repayments were made over the course of almost 18 months duration, all marked as " PAI, Paid ''. Only 1 payment in the course of the entire repayment schedule was marked as a " return '' BUT that was even marked as " PAI, Paid '', a few days later but still shows as " PAI, Paid. '' Not sure why was it even was an initial " return '' as the repayments were ACH's/Etf 's set up against my checking account and I do have, in excess of over {$500.00} in event should ever need it, " overdraft protection on my checking account. Original creditor 's policy is too attempt the ACH's/Etf 's until they go through. It was made and credited to account, even though a few days late, and the next scheduled repayment was just 2 days later and that one, and all others for rest of the entire duration went through as scheduled. After my last and final repayment, last payment was made 16 months ago, and due to that I 've not received any communication from original creditor either via phone or mail that debt was not paid in full per agreement, And No Further ACH 's by original creditor have been made or attempted to be made against my checking account which remains the same now as was then, and they would have had the legal right to do so to get repayment if owed, I am continuing to dispute this attempted collection claim as other people have against Ad Astra as a company 's attempt which tries to collect that which is not owed. My debt has been paid in full to original creditor.
12/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web	Servicemember
I recently pull my credit file and noticed that I have a collection with XXXX XXXX XXXX XXXX Account # XXXX. I have no contractual agreement with XXXX XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX thinks this alleged debt to be accurate please provide the following documentation : documentation agreement with your client that grants them the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor NOT A COPY A WET INK SIGNATURE FROM THE ORIGINAL CREDITOR, any insurance claims having been made by any creditor regarding this account, any judgement obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt came payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, and commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent XXXX XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VAILDATION made pursuant to the Fair Debt Collection Practice Act This consumer would like BBB to makes sure that these matters are handle in the upmost professional way and IF AD ASTRA RECOVERY SERVICES CAN NOT PROVIDE ALL NECESSARY DOCUMENTS INCLUDING ACCOUNTING LEDGER YOU NEED TO REMOVE THIS ALLEGED DEBT.
08/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM XXXXX	Web
This Creditor is : Ad Astra Recovery Services, Creditor is : XXXX XXXX XXXX XXXX NM, in the amount of {$760.00} Account Number : XXXXX This account was already disputed by me and all the three major credit bureaus. " It was, " Investigated, Removed and Deleted. '' from all of my Credit Reports after I proved it was a, " Fraudulent Account and not mine! '' I was hit very hard back in the Year 2015 by up to 15 ILLEGAL CREDITORS, in which someone used all of my personal information to obtain credit and have access to cash as well. However, for some odd reason, it was once again placed on both my XXXX and XXXX Credit Reports! I do not know if it was placed on my XXXX Credit Report as I do not have access to it, however, this Creditor should not even exist as I mentioned all the credit bureaus did their investigation and found that is as indeed a, " Fraudulent Account! '' and had it removed! I do not understand why this is happening but it not right and I think it is quite illegal as this creditor is violating my rights under the Federal Trade Commission Laws! I have spent over two years now working on all the, " Illegal Frauds '' that were committed in my name and I when I finally managed to clear them up, " I then get hit again with this Creditor who was already removed and deleted. I also submitted to this company all the legal documents they requested and still they are allowed back! Something is not right with what is going on as I should not have to continue disputing Creditors that have already be en removed! I need this Creditor to remove themselves from my credit reports as what they are doing is, quite illegal!
08/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA XXXXX	Web
I was notified of this account when it showed up on my credit report over a year ago from a collection agency called Ad Astra XXXX located in Kansas. It states I owe {$5700.00}, I had no idea what this was as I never received anything from Ad Astra but they have been reporting this on my credit report for over a year which lowered my scores tremendously. Every time I dispute the account it comes back verified yet I never receive anything showing verified. I sent them a validation of debt twice starting in XX/XX/XXXX and never received any thing back, I sent them over 15 emails, 3 faxes which I have to pay for each time and even had one of my credit monitoring companies send them a call for action which they did respond only to say call them. When I call, the company is mainly used for XXXX XXXX collections and have only a few XXXX representatives or maybe just one named XXXX. They either can't transfer me to one because they phone isn't working, the rep isn't available, the computer is down, all I get are excuses. Even the website when you log on it goes to a XXXX XXXX website. I have called XXXX to see if I could get any information from them but they stated the account belongs to Ad Astra and they can't do anything. I have probably spent over 40 hours of my time trying to get this handled yet I never hear back or can reach anyone. I am hoping you can assist with this so I can figure out what is going on and get it handled. Their website states they will remove it from the credit reports after two years which is coming up in XX/XX/XXXX but I would like to get this derogatory report off my credit sooner.
09/29/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 90019	Web
Hi, I originally spoke with a manager XXXX XXXX at AD Astra Recovery Services and made an arrangement to pay off my debt ( XXXX ) in exchange for them removing the debt. So I paid off the debt {$310.00}, but they are refusing to remove them from credit reports. When I paid the debt I sent a letter ( below ) with a cashier check and in the memo line of the check I wrote ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ). They cashed the cashier check on XXXX/XXXX/15. But again they will not remove it, they say I did n't pay it in time. ( This is a copy of the letter I sent Ad Astra Recovery Services minus my name, account number and address ) XXXXAD ASTRA Recovery ServicesXXXX XXXX XXXX XXXX XXXX XXXX . XXXX, KS XXXXAc XXXX To whom it may concern, ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ) To whom it may concern, As per my conversation with your customer service representative, I am following through with my pledge to settle this debt in exchange for its removal from my credit report. Henceforth, I am attaching a check for $ XXXXto pay off the referenced account under the condition that the account will be removed in entirety from all the credit bureaus your company has reported this account to. If the implied conditions to delete or not verify are not acceptable to you, please kindly return my check. In the event that you cash this check and not remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office and proceed with filing suit. Truly, XXXX
03/01/2019	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	TX 756XX	Web
I recently, requested copies of my credit files. From all three credit bureaus, XXXX, XXXX XXXX, and XXXX. Once received I reviewed all three reports and there were accounts on my that I had no knowledge. And several that were from collections agencies. So i was advised to file disputes of the accounts in attempts to get the inaccurate, and darogatory information deleted. After, a couple of disputes I got information from the major three credit bureaus. Stating that the information reported was reported by the collections agencies. Was correct, in my dispute I detailed that I needed detailed information. Such as my signature on original contract, loan numbers, year account was opened etc. None, of this information was provided on the information that was placed on such as accounts, amount owed on the accounts, and re-aged dates on accounts. I am needing help in the process of getting the accurate information concerning these accounts. I have also ben advised by all three credit bureaus they would not re-investigate any of my disputes. Unless, I could provide further information on the accounts. I don't have any further information accounts, not aware of accounts. I have requested information by sending a letter of validation of debt, original account signature of credit, original date when account was opened.To all three credit bureaus, notating that a copy of the letters would be sent alone with a complaint filed to the Consumer Financial Protection Bureaus. It is my intention to get down to bottom of these daragotory accounts and get them removed from my account..
10/18/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 766XX	Web
Company is AD ASTRA RECOVERY the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from XXXX XXXX XXXX # XXXX in XXXX XXXX. Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a XXXX XXXX '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my XXXX XXXX is to XXXX XXXX into the XXXX XXXX. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!
10/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28273	Web
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX SERVICES This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75150	Web
Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. XXXX XXXX
09/27/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	NV 89130	Web
Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.
07/26/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	UT 84321	Web
A complaint was previously filed however, " AD ASTRA '' has failed to comply with FDCPA violations, which have not been adequately addressed in their " reply '' to the initial complaint. 1 ) They failed to provide me notice of how to dispute this or validate this " account '' when they acquired it. 2 ) After I mailed two separate correspondences to request validation, they failed to respond to either or send the requested documentation. I specifically asked for documents showing an original loan amount with a break down if fees, interests, and payments, so I could determine if this amount claimed owed is not only owed, but reflects an accurate amount. 3 ) After failing to respond in written correspondence and provide that information, they replied to the initial complaint however, this was n't all the information I needed, and I did n't receive amt documentation requested. 4 ) After they failed to provide information to verify everything requested, they also ignored a written request to cease and desist collection due to failure to comply with FDCPA regulations and continued to try collect on this corresponding only in the " company reply '' to the complaint, I provided my contact information months ago, and have not received the requested documentation or satisfactory reply. The original creditor has provided documentation in response to the initial complaint however, AD ASTRA has failed to provide documentation of what they are attempting to collect and reporting, which was different from what the creditor sent.
02/24/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 37160	Web
I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As astra leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.
07/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Ad Astra Recover Services has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent two certified letters dated XX/XX/2018 and XX/XX/2018 requesting verification that the alleged debt is mine, including any documents bearing my signature agreeing to this alleged debt. Ad Astra Recovery Services. has responded to the letter from XX/XX/2018 with a printout of an itemized document ; however, they have not responded at all to my second letter request for signature validation of alleged debt dated XX/XX/2018 which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature or a second response ; however, they are still reporting inaccurate information and have not reported the account as disputed on my credit reports. I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to get credit and my reputation. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt that this account be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
03/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91006	Web
AdAstra violated the FCRA and FDCA by not VALIDATING the item in the REQUIRED timeframe. I asked for a validation of the debt, not a verification of the debt. Verification is what this company is continuing to provide and Third Party Debt collectors are subject to VALIDATION of debt. AdAstra just provides a 1 page letter with a balance due, they are not providing the documentation that I have requested to validate this debt. I requested that the debt be validated, which it never was and as a response to this validation request, I continued receiving balance statements. I repeated the investigation was never completed and the documentation requested was NEVER sent to me. I requested an initial validation of debt which included all relevant account number ( s ) as well as specific information that is compliant with a reasonable investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and Proof that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor? This information which the company has admitted to sending ; is NOT validation compliant. Ad Astra, has yet to forward the following information, which was requested in the original request for investigation.
11/02/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 630XX	Web	Servicemember
AD Astra Recovery Services is reporting on my credit report in the amount of {$1500.00} account # XXXX which is false and its keeping me from obtaining credit. * 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 your information to a 3rd party without your 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? Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible. The XXXX XXXX XXXX - XXXX XXXX to XXXX ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
05/09/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89074	Web
Originally there are four payday loans that were originated at XXXX XXXX in XXXX Nevada. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a XXXX XXXX company called Ad Astra in XXXX Kansas. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is Ad Astra their address is XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at Ad Astra to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX
07/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM XXXXX	Web	Servicemember
AD ASTRA RECOVERY SERVICES , INC has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX XXXX XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX XXXX and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX XXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.
09/05/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 367XX	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
09/04/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 35401	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
12/28/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	AL 36695	Web
I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
02/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78754	Web
I do not have a contract with this Ad Astra. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
01/25/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 90247	Web
I requested that the company provide the original contract that has my original signature, proof that this debt originated from my social security number and address with proper identification as well as accounting to show how they arrived at the amount that is shown on the notice and their agreement that they have the legal right to collect on the said debt. I requested this validation and to date I have not received this information. Instead or the information requested, I received the attached letter that states that Ad Astra is not going to provide this information because it was already provided when in fact it was never provided. This unverified, erroneous item is damaging my credit and the company has not provided the information requested for the questionable debt and this debt needs to be deleted. In addition, XXXX continues to notify the credit reporting agencies, deeming this item accurate with no proof. I looked up the policy for information with the said company XXXX and it clearly states that the information in which a customer can opt out of. I opted out of XXXX information sharing in XX/XX/XXXX due to multiple offers that I had been receiving and was not interested in a loan at that time. This is why I can not understand how Ad Astra is verifying ( or ) validating which ever term you set to use that this debt belongs to me. Remove the said item as you have NEVER investigated the item as I originally requested.
11/13/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92880	Web
I am filing a complaint against AD Astra Recovery Services for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted AD Astra on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was XXXX XXXX and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with XXXX XXXX. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from XXXX XXXX or AD Astra Recovery about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. If this issue is not resolved within 30 days, I will file a civil law suit against AD Astra as this negative reporting on my credit has created a serious financial impact.
09/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 63136	Web
Ad Astra Recovery Services company placed an invalid debt on my credit. I have been disputing this company since XXXX 2016, and I have given them more than enough time to produce documents proving this to be my debt. Ad Astra has failed to provide any of the requested docs that I asked for. I HAVE NEVER RECEIVED ANY COMMUNICATION VIA LETTER, EMAIL, VOICE, ETC FROM THIS COMPANY NOR HAVE I RECEIVED ANY TYPE OF VALIDATION DOCS PROVING THIS DEBT TO BELONG TO ME. THIS IS ILLEGAL AND AGAINST MY RIGHTS AS A CONSUMER. I WANT THIS REMOVED FROM MY CREDIT REPORTS ASAP. Also, the last time I communicated with this company, they stated that this is an " electronic debt '', which I have no clue as to what that means. This company has failed to provide me with the info they used to contact me .If this company is insinuating that " electronic debt '' is an online account, that would further prove my point that anyone can sign an e-disclosure, bc its done ELECTRONICALLY BEHIND SOME DEVICE, therefore that is not acceptable to use as an excuse of validation. This account is being disputed and has not been verified, so marking it as disputed on my credit file will not suffice. According to my consumer rights if I dispute a erroneous account and has not received validation ... .you must delete the debt until solid proof is confirmed/ found. I will be escalating my concerns in regards to the violation of my consumer rights as well.
06/11/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA XXXXX	Web
The Debt you are attempting to collect as a 3rd Party Debt Collector in questionable under current Federal monetary laws. Issue regarding collection practices, debt valuation and collection potential have led others to forgo collection rights with my challenge. These parties include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. What this should tell you, my initial arguments disputing this debt with you organization hold validity. Enough so, the prospect of reduced company valuation, adding definition to the identified monetary policy loops holes in the FCRA, or debt validation determining the validity of future collection potential as defined by the IRS and Treasury department that will impact the future of your industry. These factors represented enough risk to cease all collection efforts by the parties mentioned above. Your collection attempt represents less this .03 % of 1 % of the debt I formerly held before this began in XX/XX/XXXX of this year. I am asking once again the collection item be removed with a mutual understanding no further actions will be taken on my part. If true valuation occurred, it would be discovered I am monetarily exempt and earning under the federal poverty limit. I am preparing to cost your organization far more than the amount in active collection. This is your opportunity to assess the risk.
11/17/2015	Yes	Payday loan	Payment to acct not credited	CA 90057	Web
I received a settlement letter from Ad Astra Recovery Services for a payday loan through XXXX XXXX stating that they were willing to settle with me on a past due balance. I contacted them and they agreed upon the settlement. I asked during the settlement process if the items could be removed from my credit report. The representative stated that it is n't something that they normally do, but she would check with her supervisor. She came back to the line and stated that her supervisor agreed to remove the account from my credit and o should see an update within 30 days. This happened in XXXX 2015 fast forward to today and the item still is n't removed from my credit reports. I called in today and spoke to XXXX who said that she did n't see the notes where the account would be removed, I asked if the calls were recorded and she said yes. I asked her to listen to the call. She put me on hold, and said she needed to speak to her supervisor. She then came back to the line and said her supervisor looked at the notes on the account and said she did n't see any notes supporting what I was telling her. I then asked well I thought you were putting me on hold to listen to the actual conversation because that would supersede whatever the rep documented if she told me one thing and then documented another. She came back to the line and said she was transferring me to the supervisor. I was instead sent to voicemail.
03/22/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 756XX	Web
I recently requested my credit files from all three credit reporting agencies. Once, received I notice a account on my credit from Ad Astra Recovery Services ( Collection Agency ) which had been from XXXX XXXX XXXX. The account showed was reported by all three credit agencies. I submitted a dispute with all three agencies, and the investigation from collections agency response was information verified. The collection agency did not give any accurate data concerning the accounts. The acct # XXXX also is reporting inaccurate opening dates on the account. with XXXX shows opening date as XXXX18, XXXX XXXX reflected XXXX18. I submitted a dispute with also XXXX a three reporting the negative account. A investigation was conducted, after the completion of the investigation. I requested debt verification of account information. Which, would verify when account was opened, and amount owed, and signature could be verified. At the time of this account open, I have never have had a nt with XXXX XXXX, and I am not aware of any account with this company. Ive contacted the Collection agency Ad Astra Recovery Services. And I am attempting to get this issue resolved. By the collection agency providing account information of owner ship of the account. Which they will not provide in response to dispute of accurate information. The account is inaccurate, and negative, and derogatory information on my credit file.
08/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66062	Web
I have contacted the company Ad Astra about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.
09/10/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 75219	Web
XXXX XXXX from XXXX XXXX XXXX called my job and work issued phone. I told her not to call either phone. She threatened to call my HR department. I told her that she is not to call my place of employment and my work issued phone. She told me that she can call if she wants. Then she continued to call, spoke to my coworker then she called my work issue phone from an unknown number. It got to the point where she was hanging up. I called the number back that showed up on my personal and work issued phone, she refused to talk to me and had her supervisor speak to me. He tried to verify my information on me which I refused to agree to. He never told me what the call was for. I told him that they are harassing me at this point and need to stop calling. I blocked the number from both of my phones. They attempted to call from an XXXX number and I blocked that as well. The supervisor told me that they can legally call my job and work issued phone. I got extremely angry and pretty much let him know that I will file a complaint against this company along with him and XXXX XXXX. I believe the supervisor 's name is XXXX. When they called my personal phone, they did not leave a message. They just kept calling all XXXX numbers. They are extremely harassing. If I had not blocked them from calling. I am sure they will continue to call me. The phone number to this company is XXXX XXXX XXXX and XXXX XXXX XXXX.
04/08/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MO 631XX	Web
I did an online loan back in XX/XX/XXXX with XXXX XXXX for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called AD ASTRA RECOVERY SERVICE located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too
02/06/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91104	Web
Recently while conducting a monitor of my credit report I discovered that Ad Astra has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Ad Astratorelease myinformation toathirdparty. 1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
09/08/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84084	Web
Back in XXXX I was sent a letter and emails from XXXX letting me know they had a breach and that my information was part of the breach. As a result I added my name to the lawsuit that was available and they also offered me security software. Fast Forward to XXXX I wanted to get a home and when the mortgage company pulled my credit they noticed several loans that I had not requested nor opened on my credit. All of them between XXXX and XXXX. I then hired a company called XXXX XXXX XXXX or XXXX XXXX to help me fix my credit. I did not file a police report because It would have done no good. They cleaned my credit and removed the accounts except for one. XXXX XXXX - Acct # XXXX opened on XX/XX/XXXX for XXXX. I also added a fraud note on all three credit bureaus to prevent anyone from using my credit. My credit is in good standing now except for this.I guess now Ad Astra owns this account and they are colleting on it. I DO NOT OWN THIS LOAN, NOR DID I OPEN IT. I have spoken to them and I have also tried to dispute the accounts on All Credit Bureaus and they all refuse to listen or to remove the account. Ad Astra finally sent me a letter in which they ask me to send them an FTC Identity theft report which I did. But today I received notice from XXXX where they closed my dispute as completed and nothing changed. I need this removed from my credit.
01/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70043	Web
Dear Ad Astra, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. Regards, XXXX XXXX CC Attorney XXXX XXXX
05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address on file for the account is not address I 've had the same address for 9 years. If the com pany had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from USPS the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed XXXX XXXX 2017. By l aw this company has to mark my account disputed upo n 30 days of the request I sent by mail which was not done and any validation information binding me to this account was not sent within the allowed leg al 15 da ys. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.
03/02/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
In accordance to fcra section 609, this account was disputed XX/XX/XXXX. Ad astra recovery did not respond to intial dispute within 30 days as allowed by the FCRA. They have continued to report innaccurate information to all XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were intially disputed. Ad astra Recovery Service has continued to attempt to collect debt they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this including a previous dispute to CFPB.They have blatanly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, i have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue at hand. The accounts need to be removed. They also stated that they have sent documentation which is false. Nothing since they placed on my accounts has been mailed to me, The second issue is that it had been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious they are not.They have deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one.
05/21/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77054	Web
I have attempted to have this account removed from my credit since XXXX XXXX . I have sent letters for validation a nd all I get in return is the account is VERIFIED via FCRA rules & I am instructed to call AD ASTRA. For 2 years now, I call them give them the partial account number from my report once the account is pulled up I 'm asked to verify my social and birthday HOWEVER they are unable to discuss the account because the personal information does n't match. I filed a complaint via this website XXXX a nd in return Ad Astra uploaded and mailed me loan documents that did not bear my written signature HOWEVER the documents they sent did prove my point that the account does n't belong to me. Per the documents sent to me by ad astra the social is NOT mine. I sent a copy of the documents THEY sent me to the XXXX main credit bureaus YET Ad Astra will not remove this account from my credit file. For 2 years I have proven and they have given evidence that this account does n't belong to me. They even transferred the account to an attorney who sued me and LOST because the personal information does n't match mine. The attorney removed their listing from my report but Ad Astra will not ALTHOUGH they personally sent me information proven that the file does n't belong to me. Please just remove this from my credit report.
08/28/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 92780	Web
I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from XXXX XXXX. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe
10/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75056	Web
To whom it may concern, On a recent review of my credit report, I discovered your company, AD Astra Recovery Services is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX XXXX XXXX.
12/03/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89129	Web	Older American, Servicemember
During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. They later submitted the alleged balance to collection agencies, where it currently resides with AD Astra Recovery Services, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle. I believe that AD Astra 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
08/21/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71360	Web	Older American, Servicemember
Received a letter in the mail a few weeks ago from XXXX stating that my information may have been used without my consent, XXXX I guess started an investigation, but asked me if I wanted copies from all three credit bureaus, I agreed and so far received my credit report from XXXX and XXXX, my credit report from XXXX has a negative account called XXXX XXXX XXXX ( Financial ) Pay Status : In Collection and AD ASTRA RECOVERY SERVICE # XXXX, placed for collection on XX/XX/2018 and it's listed as an individual account, I have never in my life used a payday loan company for any reason, so I know this has to be a fraud for which I missed when I order my credit report each year, I have never received anything in the mail nor have I received any phone calls about this account, if I had I would have disputed this account a long time ago, if possible I need a copy of the agreement so I can compare signatures and prove I did not open this account ever. no I do not have a clue who would do this to me, but evidently someone did open an account using my information and signed my name, yes when thinking back my son XXXX XXXX XXXX is very capable of doing something like this, if he did I still don't know how he could do it without a picture id? please investigate this as a fraud because I didn't open this account.
12/14/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web
I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
02/12/2020	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 Their investigation did not fix an error on your report	NV XXXXX	Web
I received a letter from Ad Astra Recovery Services about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. Accounts were for {$190.00} & {$410.00}
08/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Old information reappears or never goes away	AL 354XX	Web
i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
08/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77545	Web	Servicemember
On the date of XX/XX/XXXX an account was opened in my name for a XXXX XXXX account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from AD ASTRA RECOVERY SERVICE with XXXX as the original creditor. After calling XXXX XXXX about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to XXXX XXXX that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. AD ASTRA RECOVERY SERVICE did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to AD ASTRA RECOVERY the same thing that I explained to XXXX XXXX, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. AD ASTRA really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.
07/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web
The previous investigation has not resolved my dispute regarding the accuracy and completeness of this trade line being reported on my consumer credit report. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 168i ( a ) ], these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation and verification constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Upon filing MANY complaints dating back to at LEAST XXXX 2017, at NO TIME did Ad Astra EVER delete their trade line from my credit report at all. In doing so, Ad Astra violated section 611 ( a ) [ 15 USC 168i ( a ) ] of the Fair Credit Reporting Act, by the mere act of reporting of any item involving their company, they were commencing collection activity. This is an ABSOLUTE VIOLATION of the FCRA! Ad Astra has never at any time had a LEGAL contract between their company and myself, with MY SIGNATURE. I have no legal obligation to Ad Astra, as I have never, at any time signed any contract with Ad Astra or ANY company they claim to represent.
09/30/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 75024	Web
There is a loan on my credit report for XXXX XXXX and a duplicate for Ad Astra for the same debt. I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. My identity was compromised during an employment layoff XX/XX/XXXX by the XXXX XXXX XXXX and this is the only way they could have gotten my information. I have contacted the credit bureau more than 10 times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years.
07/11/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	UT 84321	Web
" Ad Adstra '' has been reporting an account in collections on my credit report. I have now sent two validation requests to this company, to the address listed on statements they keep sending, asking them to validate the original creditor, amount, payment history, fees/interest etc. as this account I did not recognize. I specifically wanted to see loan agreements or anything bearing my signature, as I have had several accounts opened by my ex-husband without my knowledge.The first validation request was sent on XXXX XXXX, 2017, with no reply. The second, and most recent request for validation attached to this complaint was sent XX/XX/2017. The company sent another statement with a partial response on X/XX/17, however, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. Having my SSN, Drivers license number, and birthdate was n't the validation I requested, as I know anybody could obtain and provide that without my consent. As they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account.
01/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78704	Web
I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint. The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " XXXX XXXX ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company. During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me. Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. All of these accounts have been disputed, closed and removed from my credit reports. I have also attached the FTC affidavit of identity theft to this complaint.
04/26/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 78233	Web
On XX/XX/2020 a debit for XXXX was posted and debited to my acc from XXXX XXXX. I had an agreement with my apartment complex to pay my rent on XX/XX/2020 and was unable to do so because my payment rejected. There was a pending transaction from XXXX XXXX that caused me not to have enough money. I called XXXX XXXX and customer service advised me it wasn't them even though the debit stated XXXX XXXX on it and I was transferred to a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX After I was verified I advised the representative that was my stimulus money that was for my already late rent. She advised that they could do this because it's in my agreement. I advised her why now after two years. Every time they attempted within the first six months of non payment I was sent an automatic email of the decline of payment. I received the letters that it was being charged off and going to collections. I've had my tax return earlier this year which was more than my stimulus and they never debited. I'm unemployed due to XXXX XXXX and recuperation so that money or any money I get helps. Which brings me to believe that XXXX XXXX and AD Extra Recovery unlawfully used my social security number, debit card and checking account in and tracked my stimulus check through the IRS.
03/06/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 63139	Web
The collection agency, Ad Astra, used my checking account and routing number to withdraw {$1900.00} from my account via electronic ACH. The image on the check shows it made out to " Ad Astra/XXXX XXXX ''. I did NOT authorize this, and, as a matter of fact, XXXX XXXX had a stop-pay on their collection efforts. Since this attempt came through Ad Astra 's checking account, it was allowed to go through. Ad Astra as a 3rd party did NOT have my permission to withdraw funds from my checking account - they used information that they gained from their client - my DDA number and name and address for the top of the check - to make this withdrawal look official. I looked it up, the original debt was XXXX XXXX, this company that took the money out of my checking account is a third party working for them Ad Astra. I originally had a contract with them ( XXXX XXXX ) and paid them back the money I borrowed. As Astra is now trying to collect {$1900.00} more worth of interest apparently. XXXX XXXX had permission to take money, after I paid them they are blocked and using this third party ( Ad Astra ) to bypass it. I have no idea who Ad Astra is, they don't have permission to take money out of the checking account nor have debt collection information for me to verify them.
06/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web
I have dealt with Ad Astra Recovery Services for about a 4 year period between XXXX & XXXX in regards to an account that is reporting to my credit reports false and inaccurately. During this period they have failed to provide ANY proof viable evidence, bearing my signature and showing that the account was being reported accurately or established by me. They also failed to provide a timely response in which I kept careful record of via certified mail & their response date attached to their continuous automated response that I've received over 10 times. I've also asked of Ad Astra Recovery Services to render me an description of their procedures used to determine the accuracy and completeness of the information provided. They have not done so any of the times requested. I've made several goodwill attempts against this company to resolve an issue that has been defaming my name for over 3 years. Their non compliance with federal laws under the Fair Credit Debt Collection Practices Act & the Fair Credit Reporting Act and all corresponding local state laws will only make them liable for their willful non-compliance. And I plan to seek extensive damages to be recovered from this negligence of inaccurate and error reporting done under my name & social security number.
06/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23320	Web
In XX/XX/XXXX, I received a call from this company. I advised them that the alleged debt they claim I owe is not a debt that I recognize. I pulled my credit and submitted a dispute through the credit bureau. At that time, I also mailed a written dispute and a request for validation to this company - Ad Astra Recovery Service. I gave them 30 days to respond and advised per the FCRA they are required to provide this to me or they must stop reporting and cease collection efforts. I never received a response in writing. They only responded to the credit bureau as " verified as reported ''. How can a company claim its verified if they can not even send the consumer proof of the alleged debt? I just pulled my credit again in XX/XX/XXXX and noticed the tradeline is still on there. I followed up with them again and they claim they never received my letter back in XX/XX/XXXX This is very unfair to me. I did everything I was supposed to do per the law and they are not complying or following the law. This is an unethical business practice. This is not my debt. I am have repeatedly disputed this with them. They are not following the FCRA guidelines. If they are doing this to me, how many other consumers are being affected by this company? They should be investigated.
11/10/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78660	Web
What is this complaint about? I am complaining about XXXX XXXX who is a collection agency who claims they are collecting on behalf of XXXX XXXX. I have sent a certified letter to them on XXXX17 and I have also made attempts calling them and disputing the amount over the phone however I have not received a response other than them sending me a copy of a loan agreement with some payments. I specifically in this certified letter asked them to provide me with credentials to prove to me they had the right and a legitimate contract to collect on a debt for XXXX XXXX showing the amount. I have not heard back from XXXX XXXX. I am asking that they stop reporting this negative information on my credit immediately and to send proper documentation that states they have a contract to collect on the behalf of XXXX XXXX. I would also like to see a contract to validate with XXXX XXXX the amount which they are stating I owe. Showing me a previous loan document does not validate the account nor does it mean I owe XXXX XXXX the money they are attempting to collect. They have not followed the FCRA laws in not responding to my request therefore I 'm asking for them to immediately remove the reporting which is reflecting negatively on my credit report.
02/09/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 77571	Web
I am having a problem with a collection agency which has called family and friends as well as my employer and left harassing messages and threatening orders of location and arrest. I have no idea what this even means. These messages have been sent to my employer and resulted in my employer bringing it to my attention alarmed. The recording of one such call was transcribed by XXXX and is provided via our company email. I have no idea of this collection agency and have called them and asked them numerous times to stop calling family and friends and to definitely stop calling my employer, every time I reach out to the company they tell me that they can do whatever they want and can call whoever they want and there is nothing I can do to stop them because the law is on their side. The women I have spoken with have been abusive and rude on the phone and have repeatedly threatened me with arrest and having a sheriff come out to arrest me. I tell them to provide validation of the collection and they tell me they are the validation! I am reaching out to this agency to help me put an end to this behavior from this company and to get them to provide proof on the original account or to remove this collection from my consumer credit files.
07/16/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT 84095	Web
My checking account was comprised an account I do not use and I was a victim of identity fraud. Once I found out I closed the account and put a freeze on the my credit bureau. There was an online loan thru XXXX XXXX completed without my knowledge. I contacted XXXX XXXX in writing and advised to not mail any correspondence to my home as I did not apply for the loan or use the funds. A few weeks ago there was a debt collection letter mailed to my ex husbands mothers residence. A home/address I have never lived at or applied for credit with. He opened the letter called the company and they discussed the terms of the loan, when the loan was taken out, that payments were being with a debit card. They gave him all of that info which in turn he calls me and wants to know why I have been taking out these types of loans. I had to get off the phone with him as I do not know anything about the debt. I am appalled that they violated my privacy. There is no reason he should know all of those details when I do not even know what is going on. This is caused alot of stress on me as I hae been dealing with the identiry fraud issue for almost 2 years now and now this is an issue as my ex husband should not have any knowledge of these things.
02/27/2020	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	CA XXXXX	Web
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
02/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60651	Web
I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all XXXX bureaus ( XXXX, XXXX and XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements. Astra stated that a validation letter was sent to me along with 9 other letters. I never received a validation letter because if that was the case I would have disputed it the moment I received it. I 've attached a copy of one of the letters that I actually received of which Astra states is part of the validation only per law states otherwise. Astra states they will send the validation again but have not yet to receive it. This ignorance of request for validation has gone on for almost a year and per law needs to be removed from the credit bureaus.
01/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 322XX	Web
I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. I am also writing this complaint in regards to the companies AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
01/10/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 90032	Web
I obtained a payday loan in XXXX from XXXX XXXX. My checking account was closed in XXXX due to someone committing fraud on it. As a result XXXX XXXX was unable to collect the debt. A few years went on and I got a call from XXXX XXXX as well as XXXX XXXX XXXX XXXX In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with Ad Astra as well as XXXX XXXX promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX balance. What Im upset about is that I have called XXXX XXXX 13 times to discuss the removal that was promised. I called Ad Astra 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
09/06/2016	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	TX 76180	Web
I called adastra recovery services because I recieved a scam call claiming to own the loan. Ad Astra reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to ad Astra and there quality control Specialists they then sent the debt back to XXXX XXXX " the original debt ''. XXXX XXXX did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because XXXX XXXX said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.
03/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77396	Web
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
08/11/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91354	Web
On XXXX and XXXX two collection reports were reported by ADASTRA Recovery. One was from XXXX and the other is from XXXX XXXX XXXX according to my credit report and were both for in the amount of {$310.00}. I have never opened these accounts and have told AdAstra that my accounts were compromised during that time. I had previously had some ATM theft so i filed a police report on XXXX when I noticed my identity had been stolen. XXXX XXXX documented the identity theft and then i filed a statement with them on XX/XX/17. After all the tourment I assumed it was over, Untill 5 months later as ADASTRA had told me that XXXX and XXXX had reported this 6 months after. I have mailed in the requested documents and 11 months later this is still open. {$310.00} is not even a large number, im just not willing to pay for it if i didn't open these accounts. I really do not understand why I have to suffer with a lower credit score when these are completely fraud deposits to someone using my identity. The only thing they could verify with me was that the user had used my mothers maiden name. Completely not fair when i hope you know someones moms maiden name when they just stole all your information.
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. OnXX/XX/XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible. The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? This company is reporting this INACCURATE information to all 3 Credit Bureaus. I know I have rights and I feel that this company is violating them.
10/18/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	AZ 85296	Web
tried contacting this collection company as they are reporting a bad/negative report on my credit profile and keeping me from obtaining other loans and continuing to damage my credit profile and reputation, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. i disputed this negative report through the other credit bureaus and came back as validated but no reason or documentation stating i signed for the loan. they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account. i have exhausted all my options in order to resolve this negative report but im not getting nowhere. CFPB please help me get this negative report from my credit as i am trying to build my credit for the future of my family. this is clearly a result of identity theft but Ad Astra Recovery Inc validated it as a valid debt and requires me to pay the amount or will not be remove from my credit report
07/09/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I had recently submitted a complaint in regards Ad Astra Recovery Services for an collections account of {$400.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
11/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89118	Web
On XXXX XXXX 2015 I received calls every XXXX minutes starting at XXXX relating to a debit for an employee. I asked them not to call anymore on a previous call, however these calls had no announce just a hang up. I called back to tell them again to stop calling this number and they told me they could only give me their mumbled name of AdAstra. After this request I started receiving calls every XXXX minutes. I called in again and XXXX stated they had several accounts with them and they could not get our number completely removed. Each time I called in and gave the number they only pulled XXXX employees so I know exactly what she was referring with this statement. She then said it was going to be XXXX hour before it was removed and that every time I called in it generated a call. I reminded her that I had asked not to be called over 15 days ago and again on Friday because of their dialer practices interfering with my business and I felt I was harassed. She blew that off and said well do n't call in. I want to point in I only called after the calls became excessive and again when I received a call after asking not to be called again.
11/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77007	Web
I have attempted to inform Ad Astra Recovery Services , Inc for over 5 years that the debt they are reporting on my credit reports doesn't belong to me. I have constantly disputed the problem with all three credit bureaus, paid companies to dispute the debt on my behalf, and contacted the company directly. I sent letters for validation to Ad Astra Recovery Services , Inc. and the company sent a response stating the account was verified. However, the the debt letter they sent was addressed to XXXX XXXX, which is not me. On other forms the last name listed is not how my name is spelled, I did not live in Texas when the alleged debt was taken out, and the banking information listed is not mine and I've never had an account with the listed institution. No additional identifying information is provided to support that this debt belongs to me, including the lack of a telephone number. In addition to the issues I mentioned regarding the documentation Ad Astra Recovery Services , Inc provided indicating that the debt is not mine, there is no physical signature on the contract, which further confirms that the debt does not belong to me.
10/04/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	RI 02920	Web
Ad Astra has placed a collection item on my credit report on XX/XX/2015. Related to a XXXX XXXX loan that I never took. I called Ad Astra many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from XXXX XXXX nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got XXXX XXXX to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.
03/24/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web
On XX/XX/2020 I mailed a certified letter to AD Astra requesting the debt they claim belongs to me. On XX/XX/2020 I received what looks like a letter with original creditor and loan type, but no supporting documents or proof of signature baring this debt belongs to me. On XXXX XXXX another certified letter was mailed out again requesting the same information again, Also demanding that if this proof could not be provided that it this erroneous debt be removed at once from All reporting Credit Agencies. Yet again I was received on bill dated for XX/XX/2020 with the same bill that was I received in XXXX. This information still did not bare any proof that this debt belongs to me. At once I am requesting this information be removed from all of my credit reports. There has not been any significant proof that this debt belongs to me. I have reached out to Ad Astra in attempts to handle this with the consumer with out any success. I have provided proof of the two bills they have mailed baring no proof that this debt belongs to me. I have not received a signed contract or any signature for that matter as any type of proof.
10/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78626	Web	Servicemember
This company Ad Astra Recovery is trying to collect {$1500.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Ad Astra Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ad Astra Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Ad Astra Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
10/26/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
A few months ago I pulled my credit and notice AD Astra Recovery is reporting a balance of {$610.00}. Because I honestly believe this debt IS NOT mine, I've sent letters to this company asking to verify this debt. I'm sure this company has NOTHING with my signature saying I received this money because I don't ever recall getting a payday loan with them! I have not received anything but a print out of a balance they claim I owe. A print out stating a balance IS NOT sufficient verification to prove a debt! I need documents proving this is my debt. I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
12/07/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NC 28590	Web	Servicemember
Ad Astra Recovery has been illegally hording my personal information without this consumer written consent. Purant to the 1974 privacy act Ad Astra Recovery has violated all privacy rights and has allowed my personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practice Act Ad Astra Recovery has collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collector, employers, financial institution, and a host of others. Also, Ad Astra Recovery failed to validate a debt with this consumer and they are not abiding by the law. They have failed to provide validate made to pursant to 15 USC 1692g Sec 809 ( b ) of FDCPA. It has been more than 30 days and now I am asking that this alleged debt to be remove from all three credit bureaus. I am tired of dealing with this unprofessional people and not abiding by the law so my next steps will be to file a complaint with the Attorney General office and to file a class action against Ad Astra Recovery for violation of Fair Debt Collection Act and defamation character.
09/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
I have a a unverified account from AD ASTRA RECOVERY SERVICES. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY S ERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt. ______________________________________________________________________________________
03/12/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CO 80631	Web
In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to Ad Astra Recovery Services. I contacted Ad Astra Recovery Services and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at Ad Astra played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.
11/03/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	TX XXXXX	Web
XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional
01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 667XX	Web
XXXX XXXX XXXX XXXX XXXX # XXXX sued me around XXXX XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XXXX XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named AdAstra is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to Ad Astra. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. AdAstra is still reporting this debt, ruining my credit, when the case was settled and dismissed in XXXX of XXXX.
10/13/2016	Yes	Payday loan	Charged fees or interest I didn't expect	TX 77096	Web
I borrowed a short term loan in 2015 from XXXX XXXX in the amount of XXXX. I made payments of {$140.00} every 2 weeks for almost a year for a total of {$2100.00}. It turns out NONE of the fees went to pay down the loan or toward interest and it just turned into one long vicious cycle. Now they are harassing me sending threatening emails trying to make me lose my job. They say in the emails that a court case was filed but the court said none existed. I received a text from them recently that said be at my house at XXXX to be served papers. No one came to my house. I am very frightened of their tactics and not sure if they are sending someone to threaten me in person. Then I received two letters from a couple weeks apart with one backdated to XX/XX/XXXX and another dated XX/XX/XXXX. The XX/XX/XXXX letter references a letter a never received and the XXXX said I had run out of time to validate the debt which is a violation of the 30 days allowed under FDCPA Section 809. I think they have done this as a form of harassment. I feel as if they are loan sharks capable of doing whatever they want to me.
03/24/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 776XX	Web
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. AD ASTRA REC XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX AD ASTRA REC Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Item Results Result : XXXX, XXXX XXXX XXXX XXXX. Dispute Reason Ownership : XXXX. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AD ASTRA RECOVERY SERVICES Original Creditor XXXX XXXX TX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. Balance {$0.00} High Balance {$650.00} Remarks XXXX See something wrong? You could dispute an error with XXXX. Manage Your Collections Accounts
04/25/2019	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 75078	Web
I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, Ad Astra EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, Ad Astra FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
02/24/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	VA 23225	Web
I initially borrowed {$600.00} from the company and was told that the initial payment would be {$99.00}. A month later after taking the {$99.00} out of my bank account, another {$200.00} was debited from my account. I could not afford this rate of repayment or I would not have taken out the loan. This payment of {$99.00} was to be debited from my bank account on a monthly basis, however, every couple of weeks, XXXX XXXX would attempt to take between {$99.00} and {$200.00} from my account and would try the debit multiple times. Contacted someone who stated that only the first payment would be {$99.00}, but I was unable to find this information in the loan contract. Due to inability to afford the loan payments, the loan was sold to Ad Astra and now the balance due is {$1400.00}. There is no indication on the original loan ( {$600.00} ), nor a reference or credit to the amount paid back so far, which is {$99.00} and {$200.00}. In requesting the loan amount be reduced, the offer to me is to break the payments up in 4 installments of {$350.00} until {$1400.00} is paid in full.
08/27/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75044	Web
I received a credit alert on XX/XX/2018 that a new collection was reported as derogatory on my credit report. It shows AD ASTRA RECOVERY SERV. I am unaware of who that company is and I have requested VALIDATION of the debt but have not received anything. I have tried calling the company and only got the run around. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts mentioned. Failure to positively verify these accounts has hurt my ability to obtain a home mortgage loan. Under the FCRA, unverified accounts must be removed and if AD ASTRA RECOVER SERV are unable to provide me a copy of verifiable proof, they must remove the account being mentioned immediately
06/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75006	Web
In XXXX it was brought to my attention that a collections company, Ad Astra Recovery Services Inc., was attempting to get payment for a loan of {$1200.00} taken out on XX/XX/XXXX. This is a loan that I did not take out. They were threatening to have me arrested and would harass my family as well. I took steps with Ad Astra to clear the account they had under my information by completing a police report and writing them a formal response informing them that the debt was a result of an instance of identity theft. They told me that everything was taken care of. Earlier this year I received a letter in the mail from XXXX XXXX XXXX , XXXX, stating that they have taken over the account and that I now owed them the debt of {$1200.00}. When I spoke with them on XX/XX/XXXX they requested the same documentation, so after waiting to receive the police report, I sent them all documentation on two different occasions, XX/XX/XXXX and XX/XX/XXXX. I did not hear back from them until it was brought to my attention that my XXXX credit score had dropped XXXX points because of this debt.
09/06/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
On XX/XX/2018, I sent Ad Astra Recovery Service a second letter regarding them verifying that a debt in the amount of {$330.00} belongs to me. They never validated the debt was mine according to the Fair Debt Collection Practices Act. The are falsely reporting this collection item on my XXXX and XXXX credit report. They only provided a print out of an itemized billing statement that does not have my signature on it. The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification the debt belongs to me. They are falsifying information on my credit report, in which is illegal practices to me as a consumer. I asked this collection agency for the original contract I physically signed, that supposedly agree to the terms for the account and they never sent these records at all. I demanded proof or validation according to Fair Debt Collection Practice Act, and they never responded to me. This debt is unlawfully being reported on my credit report. I don't owe this debt and it should be deleted from my credit report.
03/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 029XX	Web
Caller id recovery services XXXX Started about XXXX weeks ago. I have already answered, had the call fail, callback, have them look up my phone number. Ask for a supervisor. Told them my name, my wifes, and all our cell phones Given them our ssn.. They have no debt that we owe, yet they call use practically daily. We have received nothing via mail. They are not at all helpful and most of the time hang up. XX/XX/XXXX called, tried to answer press 1, call failure called back explained situation, got hung up on called back a second time spoke with XXXX who was going to forward to supervisor. I asked if they would ever acutally call me, the answer was no XX/XX/XXXX XXXX - called, answered, press 1, call failure call back spoke with lady. Gave my name and number XX/XX/XXXX XXXX - called, i answered. Spoke with gentleman, told him story and that we are not the lady. We have had this number for ten years. XX/XX/XXXX XXXX - called, didnt answer XXXX - called, didnt answer XX/XX/XXXX XXXX called, didnt answer XXXX called, didnt answer XX/XX/XXXX XXXX called, didnt answer
07/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 360XX	Web
I took out a loan with XXXX XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/18 and contacted XXXX XXXX on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from XXXX XXXX until I blocked their number on XX/XX/XXXX.They have now reported me to a collection agency called Recovery Services/Astra Recovery and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and XXXX XXXX was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX the phone number and in the comments section it states that this is a debt collector for XXXX XXXX.He asked me to verify my information and I responded I will not.
01/19/2018	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	CA 958XX	Web
XX/XX/XXXX - I disputed and requested validation of debt from Ad AstraXX/XX/XXXX - Ad Astra provided a photo copy/printout of an unsigned contract as proofXX/XX/XXXX - I disputed, again, as Ad Astra failed to provide me with a copy of viable evidence bearing my signature showing account was reported accurately; a bill does not constitute verificationXX/XX/XXXX - Ad Astra provided a copy of unsigned agreement and history of charges (still not verification)XX/XX/XXXX - I confirmed that my credit report was never (after 6 months) marked "disputed" by Ad Astra which was required after 30 days of original disputeXX/XX/XXXX - Provided yet again previously mailed copies of an unsigned agreement and history of chargesXX/XX/XXXX - Credit Report still not marked "disputed" by Ad AstraAs a result of all the actions above, this derogatory account, Ad Astra Recovery Services, Inc. must be removed from my credit file by all the failures of Ad Astra to provide proof/validation of debt AND failure to mark Credit Report "disputed" within 30 days of original dispute communication
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80129	Web
After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all XXXX credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
04/21/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 77375	Web
Second complaint on Ad Astria Recovery Services. We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from XXXX XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How di d Ad Astria s end a letter verifying my 30 days on the debt on XXXX but placed the actual debt without verification on my report on XXXX ? Since I have filed this compliant Ad Astria has placed this on all 3 thr ee reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in XXXX . I will file in XXXX XXXX XXXX for fraudulent and misuse of Texas Debt Act and violation of my privacy by contacting and sending my personal information to another party.
03/31/2018	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 78754	Web
I have put a dispute in with XXXX about my Ad Adstra acct that they continue to report as validated and correct. I spoke with Ad Astra and they have informed me that this is incorrect and they reported to XXXX that this acct is unreportable and they are unsure of why the tradeline is still on my credit profile with XXXX. I informed that I have explained this to XXXX on multiple phone calls and disputes online and they still will not honor what is being reported by the company Ad Adstra. I have a recording of the phone call between me and ad adstra and this proves what I am saying. It can be validated with the company and the supervisor XXXX that I spoke with on what was told to me. I am feeling that the last resort in this case if this and reporting to the CFPB does not work that I must continue with my legal advice and seek litigation from this company. The call that I have recorded was OK 'd to be recorded by both parties and it was also recorded on the colletors end. All other bureaus have complied except XXXX and I am not sure why.
09/17/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 75181	Web
I received numerous harassing calls from Ad Astra on behalf of XXXX many of which have been from unknown numbers. I was receiving calls from XXXX, XXXX, XXXX as well as Unknown numbers from various representatives from Ad Astra stating that my " File was in there office ''. I inquired as to what file and what they meant when they said it was in their " Office ''. I believe these representatives were misrepresenting themselves in an effort to scare me. In general this company has been predatory from the start of the loan from APR to their collections tactics. In keeping with CFPB 's disparate Impact rulings as it relates to the Payday loan industry I can attest that Ad Astra/XXXX is in violation of predatory lending practices. Their practices and policies are discriminatory and disproportionately have " adverse impact '' against minorities including race, national origin, color, religion, sex, familial status, and XXXX. I believe there is no legitimate, non-discriminatory business need for Ad Astra/ XXXX to practice these policies.
01/29/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CO 80401	Web
AD ASTRA Recovery Services ( XXXX XXXX XXXX ) This was originally a letter reminder from XXXX XXXX for pmt due within 10 days of date on letter. Pmt was taken from checking account within 2 days causing many overdrafts. We went into XXXX XXXX, XXXX, Colorado and showed letter, explained problem, were told nothing could be done. We reversed pmt through our bank. Later we received collection letter from AD ASTRA demanding {$110.00}. We sent AD ASTRA in KS a debit card number with signature on pmt stub so the issue would be resolved. One month later, we received another collection letter and determined the debit card was not charged, so we obtained a bank money order and paid full balance of {$110.00} by XXXX XXXX Money Order ; mailed to KS address, XX/XX/2019. We wanted to clear up this matter for good! We received 2 more demand letters XX/XX/2019. We attempted to resolve issue over the phone but AD ASTRA contact address and phone on correspondence lists Colorado office address ; that office now shows as closed on Internet search.
10/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63640	Web
This company is trying to collect { {$890.00} } from me for a debt they claim I owe. I have disputed thIs demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill and an agreement from another company that does not bear an actual signature, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
03/06/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	MO 64131	Web
Ad astra has send a copy of a contract that I have with XXXX XXXX. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that Ad astra provide an agreement with XXXX XXXX that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
08/25/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CO XXXXX	Web	Older American
I had applied for a {$300.00} pay day loan in XXXX, XXXX with XXXX XXXX in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to Ad Astra Collection Agency in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX and XXXX credit bureaus. In XXXX, XXXX, I mailed the reported amount of {$250.00} to Ad Astra, which is located in XXXX XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX and XXXX in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that Ad Astra is falsely reporting to the credit bureau that I have an unpaid balance.
01/07/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Confusing or missing disclosures	OH 43229	Web
I have a a unverified account from AD ASTRA RECOVERY SERVICE. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
02/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MO 63031	Web
I received a payday loan from XXXX XXXX back in XX/XX/XXXX I fell behind on payments and the account was sent to a collection agency Ad Astra I was contacted by them regarding the debt that was placed in their office by XXXX XXXX. I mad arrangements to pay weekly of XXXX. two weeks ago approximately I contacted them to let them know that I was off work to me being a XXXX XXXX XXXX and and I needed the payments to resume the following Friday after I returned to work. The rep put the payment in for the Same week which XX/XX/XXXX and not the following Friday. I received a call about the payment and I did let them know that I couldnt make the payment until the next week and let her know to put it in the for the next Friday. So as of right now the debt was put on my credit report as derogatory. Iam more then willing to pay it off but somehow it was a miscommunication on their end. I want this to be removed because it is affecting my credit negatively and resume payments so it can be paid off as I agreed to with no problem.
02/14/2018	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	NV 89142	Web
I have attempted several times to rectify my issue with XXXX and XXXX regarding a collection account that is showing open from collection agency AD ASTRA account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
08/18/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not disclosed as an attempt to collect	NC 28025	Web
I was under the impression I had satisfied this loan XX/XX/XXXX when I paid {$1000.00}. I moved XX/XX/XXXX ; and never received any further correspondence from original creditor XXXX therefore, I was n't aware that I owed anything further. I discovered the debt on my credit report on XX/XX/XXXX, from XXXX Recovery Services , Inc. indicating I owed {$580.00} more. I called the debt collection agency on XX/XX/XXXX, after checking my credit report. I explained that I had paid all that was due ; and I had moved XX/XX/XXXX ; and had not received any correspondence regarding the further debt. I requested the agency send me out proof of the debt and they agreed to do so in a few days. I have yet to receive the information. I mailed a Certified, Return Receipt Letter to XXXX Recovery Services , Inc., postmarked XX/XX/XXXX, requesting proof of the debt and the debt be immediately removed from my credit reports until I have valid proof the debt is owed since, I never received any previous correspondence via mail or otherwise.
04/27/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	KS 676XX	Web
Thank you for your recent contact dated : XX/XX/2019. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
06/04/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Web
I have an unverified account from AD ASTRA RECOVERY SERVICES I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
07/22/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 76549	Web
In the beginning of XX/XX/XXXX I started to monitor my credit and found out there was a loan that I did not apply for. The amount was for {$650.00} and was " opened on XX/XX/XXXX. I have recntly contacted this company by phone and spoke to a collections rep that was rude and would only tell me that the loan was done in person. I requested validation of this debt and the rep told me no to just pay the balance and that they did not have to validate. I sent letters to the bureau 's to get this taken off since it was not mine nor validated and they refused to take it off saying it was accurate. I spoke to all 3 bureau 's about this and none of them had validation with my actual signature on the contract. I then sent out validation letters to AD ASTRA requesting validation and they sent a copy of the contract with my name typed in. In XX/XX/2017 I sent a second validation letter letting them know what they sent was not validation but just an unsigned copy. A 3rd letter went out 30 days later and no response.
08/31/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	HI 967XX	Web
When XXXX XXXX tried to debt my acct on the wrong day causing an Insufficient Funds overdraft and then they tried again and another overdraft. I did not have funds available at the time they tried to withdrawn funds. With that amount in overdraft fees {$60.00} I called XXXX XXXX to try to make payment Arrangement and while I was trying to set up payment plan XXXX XXXX sold the debt to Ad Astra Recovery Service Inc. Ad Astra upon acquiring this debt from XXXX XXXX to which I had no Knowledge until I again was hit with Overdraft fees by my financial institute {$45.00}. I called Ad Astra and they informed me they Purchased this from XXXX XXXX and I was now indebt to them and I must pay the full amount or they will take legal action. With all the errors and overdrafts I can not even make a payment. These extra charges/fee has taken me from my fixed income budget and has put me a very serious financial situation. I can not make my Mortgage Payments any longer. I am XXXX and this has caused great hardship.
05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71118	Web
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ad astra recovery service for {$400.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ad astra recovery service did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$400.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
05/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL XXXXX	Web
XXXX XXXX I filed an complaint about ad astra about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sen t out 11 lett ers attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the trackin g on 5-12 thinking I should have received some type of information in the mail after 10 days. Turns o ut the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the XXXX false addresses that I never lived at. I 'm not sure what address and phone number ad astra has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
11/23/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	AZ 856XX	Web
Ad Astra is trying to collect a debt of XXXX $ for XXXX. When I called them, to negotiate a Settlement, they told me they are not allowed to contact me, which is untrue. After I filed an initial complaint against XXXX to negotiate a Settlement, BEFORE the account went into Collection from XXXX to AdAstra, XXXX falsely claimed, that they made me a Settlement offer for 10 payments of {$40.00} to settle the account. I never received that offer and XXXX claims that they sent it by email exactly on the day I filed my CFPB complaint. A obvious lie On XX/XX/2019 I received a letter from Ad Astra that states I had disputed the account, another clear lie. I sent Ad Astra 2 letter and asked them to honor the alleged settlement offer from XXXX, so I can start making payments. Needless to repeat XXXX lied about making the offer and wanted to get the account into collections. I never had a chance for a settlement. My research shows, that AdAstra was sued numerous times for their shady business deals.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75043	Web
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow XXXX XXXX compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
06/18/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OK 735XX	Web	Servicemember
I requested a credit report in XXXX XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service Ad Astra for XXXX XXXX was listed on my report. I have lived in Oklahoma since XXXX and have NEVER used a payday loan service. I disputed the false addresses a nd Ad Astra account. I did get the addresses removed, but have tried for several years to have the negative report from Ad Astra remove d. I have repeatedly disputed this information on my account and have never received any direct notification from Ad Astra un til XXXX XXXX XXXX . This account does not belong to me. XXXX XXXX has closed this account on my report, however XXXX has not done so after repeated disputes. I have tried to find an email contact for Ad Astra to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from Ad Astra.
02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63366	Web
HELLO IN XX/XX/XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX FOR XXXX XXXX IN XX/XX/XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XX/XX/XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSOXX/XX/XXXX FOR XXXX XXXX NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A DAUGHTER ON THE WAY AND JUST GOT ENGAGED. PLEASE HELP
07/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78745	Web
This company is trying to collect {$1900.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
03/26/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI XXXXX	Web
Ad Astra Recovery Services has issued a balance on my credit report for {$750.00}. This balance has been on my report for 5 years. This balance was included under my bankruptcy. Over the years, I have made several calls to this company to get it removed from my credit report and they wont listen. They keep changing dates and it is becoming very frustrating. I have also tried disputing this charge with know success. I am asking that this balance gets deleted from my account asap. They are destroying my credit for a balance I don't owe. Everyone who have spoke to were rude, disrespectful and unhelpful. I was often yelled at, and once hung up on, although I was talking very politely. I was also left on hold for several mins, after 1 rep did agree that the balance should not have been reported to the credit bureau. After that she disconnected the call, and each time I called back no one was able to transfer me to her and said there were know notes on the count. This company is a scam.
06/06/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NV XXXXX	Web
I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/02/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MS 391XX	Web
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to Ad Astra collection agency requesting documentation this agency has the right to collect on a discharged debt. Ad Astra sent me a letter advising me this collection was assigned to them ; however, Ad Astra fail to provide me in writing any written agreement between Ad Astra collection agency and XXXX XXXX. The information provided was the loan agreement signed with XXXX XXXX, whom choose to charge-off this balance. I contacted Ad Astra by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between Ad Astra and XXXX XXXX ). Ad Astra representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and Ad Adstra doesn't have the right by law ; Ad Astra change the reporting payment to reflect past due which cause my credit score to drop by 12 points.
10/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 432XX	Web
I have a a unverified account from AD ASTRA REC. I had previously disputed this account. I have never done business with AD ASTRA REC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA REC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA REC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/27/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 71105	Web
After viewing a copy of my report, I noticed a collection account placed on my credit report from AD Astra Recovery Serv on XX/XX/2019 in the amount of {$660.00}. First and foremost, I have confirmed that the debt collector, AD Astra Recovery Serv is not licensed in the state of Louisiana to collect on this debt. Secondly, AD Astra Recovery Serv violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to AD Astra Recovery Serv? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AD Astra Recovery Serv has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$660.00}.
10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75212	Web
I have never done business with Ad Astra Recovery Services. I do not have a signed contract with Ad Astra Recovery Services. I am not liable for this debt from XXXX. On XX/XX/2018 I contacted Ad Astra Recovery Services asking for a proper debt validation. Ad Astra Recovery Services failed to complete this request. Ad Astra has had ample time to validate this debt. An alleged e-bill does not meet FRCA requirements for validation. If Ad Astra Recovery Services can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Ad Astra Recovery Seevices INC does not have permission to contact me by phone, e-mail, or US mail. All communication must remain in the CFPB portal.
09/27/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78753	Web
on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.
09/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	VA 23434	Web
AD ASTRA Recovery Services refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. AD ASTRA sent me a letter showing a signature that is not mine. I also filed a compliant before and AD ASTRA advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if AD ASTRA fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77022	Web
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that they ARE NOT BONDED in the state of TEXAS. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Ad Astra Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Bond number XXXX & XXXX Amount reporting {$1200.00} Date of reporting XX/XX/2016 XX/XX/2016
08/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91607	Web
I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.
06/27/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AL 35007	Web
This is my third time filing a complaint against AD Astra Recovery Services. The last two complaints they state they are not calling and harassing me and that is a lie cause the calls keep on continuing. I have already spoke to a family member who is a paralegal today about their abusive collection tactics and she said they may say they are not the ones calling and making threats doesn't mean they didn't go outside of there company and hire a third party to do their dirty work for them. She states its a scare tactic that most collection agencies use and doesn't keep any records of the calls on their side and most companies that use third parties has been proven guilty of this in the past. The calls are being made from a unavailable number and is a middle eastern man and women calling me, my family and my job and I've demanded them to stop calling my place of employment. They don't keep anything confidential and telling them my financial business to them.
02/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92804	Web	Older American, Servicemember
I originally owed money from XXXX XXXX for a personal loan in the amount of {$2600.00} plus a pay day loan of {$250.00} for myself and another payday loan of the same amount under my wife. About a year and half ago I suffered from severe financial difficulties that I no longer can afford to maintain my payments. I employed XXXX XXXX XXXX XXXX of MA. to handle my repayments. XXXX XXXX accepted the arrangements and as evidence I have copies of cancelled checks to support my claims. Lately, I received E-Mails and letter of collection from Ad Astra for more than {$3000.00} and had refused to accept the cancelled checks as evidences of payments. They stated that the payments made were just for interest only. As a result of the derogatory remarks on my credit history, I ended up being turn down by XXXX XXXX XXXX for housing and in spite of my grant for an automobile grant as a XXXX veteran, I ended up with a higher payment interest rate because of this.
05/20/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX XXXXX	Web
My wife applied for a loan online with XXXX XXXX for a in store pick. We read in the arrangement that if you did not pick up the loan it will not be processed. So we thought everything was ok because we did not need the loan anymore. We later notice that payments where being taken out of the account and called to ask why they stated that they gave us a loan of XXXX dollars. We explain that we did not authorize a loan to be given to us they deposit XXXX in our account without XXXX knowing it. We offer to pay back the XXXX dollars but they refused they wanted XXXX dollars. We believe that this is unfair and unacceptable since we did not authorize a deposit into our account. It been a year and they are still refusing to take the XXXX dollars and they are reporting to our credit that we owe they XXXX dollars this is damaging our credit and keep our score down. I would like this issue resolved can you please help us ... The Company is XXXX XXXX ...
07/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 45248	Web
Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called Ad Astra Recovery. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number Ad Astra Recovery is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for Ad Astra Recovery to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number Ad Astra Recovery is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
12/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38115	Web	Servicemember
I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I called the company on XXXX/XXXX/2017 and requested verification along with the original lender 's information, so I may investigate the debt said owed. I also requested a copy of Ad Astra Recovery Services , Inc 's license number to verify if the collection company had the legal right to collect in the state of TN. I was told by the representative I do not need to know that information and he was not obligated to give me information on their license to collect. He also told me Ad Astra Recovery Services , Inc is licensed in all 50 states. I have learned the company is not license in the state of TN. This account was added to my credit report and I was not provided the information I requested to validate the said debt. This collection agency is not license to collect in the state of Tennessee. Please assist me in this matter
06/29/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77498	Web
Allegedly I owe on 2 accounts one for {$330.00} and one for {$180.00}. I have been harassed since 2012 about 2 payday loans that were supposedly taken out online with my information. I have disputed these accounts and they always come back as verified but no contract had ever been provided as requested and the original creditor refers me back to the 3rd party. I contacted them recently and received no resolution. I do not owe this debt and still offered to settle in exchange for deletion to get this behind me and they refused. I do not believe they own the debt and think they are attempting to fraud venerable people. Please investigate and help resolve this matter. All of my certified letters have been unsuccessful in disposition. I recently received a contract that did not include my signature after filing with the better business bureau. This is still unacceptable if I had taken out this loan they would have documents with my signature.
02/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90240	Web
XXXX XXXX Ad Astra Recovery Services {$300.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
08/23/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30033	Web
AD ASTRA RECOVERY SERVICE is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
02/10/2017	Yes	Payday loan	Received a loan I didn't apply for	OK 73071	Web
Upon pulling a credit report I discovered this account and have written XXXX separate disputes between XX/XX/XXXX- XX/XX/XXXX. I have received two letters back showing original creditor and amount owed without proof of account such as identification or signature that belongs to me. Upon calling today XX/XX/XXXX I spoke with XXXX different representatives and still no resolve. I refused to verify any information due to the account not belonging to me. I also repeatedly asked for the procedure that I need to follow to get his taken care of. I was told that I could not be helped unless I was willing to verify my identity. I was also hung up on after trying to get the proper information for 14 minutes. This account is fraudulent and I have repeatedly expressed this to the company. At this point they have not helped me and this is something that is not only damaging my credit but also preventing me from purchasing a home for my family.
08/20/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WA 98362	Web	Servicemember
I received an alert on my XXXX account of a collections that had been opened. The account was added by Ad Astra Recovery Serv For XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX. After looking further into the collections posted, I learned that the company was claiming I owed them {$2200.00} for a loan that I never took out. This started on XXXX XXXX. I have disputed this three times now. I even locked my credit report. To make matters worse, I get demanding and threatening emails/phone calls. I have received 8 emails saying my employer will be contacted and they hope Im fired, that all of my salary/wages will be confiscated, that I have a warrant for my arrest, they are coming to seize everything I own and that I will go to jail and be publicly humiliated. The emails are coming from supposed lawyers working with the collections company. They call at least six times a day from random numbers.
06/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75115	Web
On XXXX / XXXX / 17 , I submitted a complaint to the CFPB in regards to an unverified debt. The company provided un-signed documents indicating I had a loan with a company via online. However, there should be other identifying information related to this account and this company has failed to provide. As part of my complaint the company stated a deletion was being submitted and the information should be removed from my credit profile within 30 days. As of today, XXXX / XXXX / 17 , the account remains. The complaint in which this company responded is XXXX and the company stated " In consideration of the consumers confusion, and as a gesture of good will, we will issue a deletion to the bureaus on this account. Please understand that once we have issued a deletion to the b ureaus, it may take up to 30 days for entry to fall off of the consumer 's credit history. Please let us know if we can be of further assistance ''
03/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43211	Web
I recently moved to XXXX XXXX from XXXX and noticed there were several accounts on my credit report that do not belong to me. I am currently in the process of trying to purchase a home and this is holding up the process the following accounts are listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX/XXXX # XXXX, US DEPT OF ED/XXXX # XXXX.
06/28/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75231	Web
Ad Astra Recovery Service ( XXXX XXXX ) is on my credit report and I have sent several letters and reports stating that this debt is not mine. They have sent me the paperwork and apparently someone has taken an account out online in my name and XXXX XXXX sent the money to a XXXX XXXX in Texas and sent me the account # but I have never had an account at XXXX XXXX and the address the person put on the account is an address I hadn't lived at since XXXX. XXXX XXXX did provide me with the bank account number the money was sent to but this is not my account and I am not paying for anything that I did not do. I never have nor ever will do a " payday loan ''. According to my credit reports, the account was taken out on XX/XX/XXXX in the amount of {$650.00}. I am not going to pay for something that I did not do and this company does not care and this has been effecting my credit report for years. I want it off! Please advise.
06/22/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 78108	Web
On yesterday, XXXX XXXX, I spoke to a supposedly representative of Ad Astra recovery services to address the debt reported on my credit report. I was asked to share my social security number which I did n't feel comfortable sharing. I asked for more information about the collection agency, which the person by the name of XXXX shared the location but she would not give me her last name. I made the mistake of sharing my social security number because the agency sounded legitimate and it still may be but I felt very uneasy after sharing that information. I told her that I will not make payment arrangements until I receive something in writing to verify the debt which she said they are able to do. She stated that I will receive a letter in the mail within 7-10days. I believe the debt may be valid but I 'm not sure about the agency or the person I spoke too. My main concern is that they now have my social security number.
11/03/2016	Yes	Payday loan	Charged bank acct wrong day or amt	LA 707XX	Web
To clarify the debit card that I XXXX process for the month of XXXX was not obtained on XXXX XXXX, 2015. I XXXX received XXXX loans in the amount of {$350.00} from XXXX XXXX in the month of XXXX 2015. The dates of the month of XXXX are the XXXX 2015 and XXXX of 2015. And both of these loans in the amount of {$350.00} was settled in the amount of {$400.00} on the XXXX and XXXX of the month of XXXX. I have not received a loan on XXXX XXXX. I have faxed Ad Astra Recovery a copy of my bank statements to vertify. What i am writing to you hoping tha this will clear all this up this time. Even for the month of XXXX I have not received a loan the XXXX of XXXX it was the XXXX of XXXX 2015. I stated " here are patterns of my bank statements the way I was paying my loans. '' Paying all them the sameday not days after. My bank statements can contest to that so what more proof i need. That 's all i have to show is my statements.
01/18/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IA 503XX	Web
Beginning XX/XX/XXXX-XX/XX/XXXX I made many attempts to correct this error reporting on my credit files with the 3 Credit Bureaus & was unsuccessful because my dispute results with the Bureaus came back as verified by the furnisher of the account within the last 6 months. So I decided to reach out to this creditor in XX/XX/XXXX & XX/XX/XXXX by sending them a Debt Validation Letter but they on both occasions sent me what looks like a contract with a typed name on it. Im disputing this because I never a had relationship with the collection agency nor the original creditor. They havent provided me with any viable piece of evidence that proves that I owe this debt, not a SIGNED contract with my signature on it or agreement to pay the said debt. I also would like to add that my identity was stolen & used on several occasions because I had lost my wallet on public transportation between the years of XX/XX/XXXX-XX/XX/XXXX
08/20/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90810	Web
In XX/XX/XXXX a company name Ad Astra Recovery Services reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX credit bureau. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98513	Web	Servicemember
AD Astra continues to report information on my credit report that is in violation with the FDCPA, Fair Debt Collection Practices Act. AD Astra continues to violate the Fair Debt Protection Collection Act by reporting information and claiming that I owe them monies. I have never entered into any contract or agreement with this company. Because they are a 3rd party collector, they must receive my permission to furnish any information on my credit report. They did n't do that and I will never give a debt collector permission furnish information on my credit file. They also violated a cease and desist letter sent to them by me, certified mail. They continue to contact me claiming I owe them monies. I have asked over and over to send me debt validation and were not able to validate anything but continue report false and misleading information on my credit file. They are affecting by ability to obtain credit.
05/04/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web
I have disputed this account numerous times be the debt does not belong to me. They were deleted off of XXXX and now today XXXX XXXX they have reappeared again on my XXXX credit report. They are no longer on my XXXX report and I need them removed from XXXX and XXXX and they are sliming my chances for credit and future home buying! They debt from XXXX XXXX was sold to Ad Astra Recovery Services and I do not have a contract with Ad Astra Recovery Services so No Contract means no debt is owed to them. Because I have been through this multiple time I would like for Ad Astra Recovery Services to provide me a contract with my signature stating I owe them ( Ad Astra Recovery Services ) within 30 days of this complaint and if they can not furnish that I NEED them to close the account and report to XXXX and XXXX as closed and have them remove it from my credit reports!
09/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 76123	Web	Servicemember
I am a veteran and looking to purchase a home for my family. I checked my credit report as we are trying to make sure we have everything together for next years home purchase. I notice a collection from AD Astra that I did not recognize as something I would owe or to the best of my knowledge I do n't know what this was. I also did not recognize the amounts they are saying I owe. I did some research and decided to dispute the account with AD Astra in XXXX and also again in XXXX and never received any responses in the mail from them. It is very frustrating as I was expecting to hear back from them. I read online about the Consumer Financial Protection Bureau and felt like this was a good next step since I ca n't get AD Astra to respond. I even sent a dispute letter in a legal affidavit format to let them know I was serious about what this and wanted to get some kind of validation of what this was.
03/13/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94132	Web
Ad Astra Recovery Services is attempting to collect a debt that is being reported on my credit report. The collection account was created on XX/XX/XXXX in the amount of {$460.00} and was last reported to XXXX on XX/XX/XXXX. I called Ad Astra Recovery Services in regards to this collection account on XX/XX/XXXX and was informed that this collection account was no longer being serviced by their company. I requested that if this collection account was not being serviced by them, that they would have to remove it from my credit report. The representative on the phone told me that they were not able to process that request for me, but in the past I have successfully had items on my report that were not being serviced by the correct collection agency. I ask that Ad Astra Recovery Services remove this collection account from my credit report immediately due to inaccurate credit reporting practices.
08/26/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22407	Web
During XX/XX/XXXX, I went online for a payday loan. I received a noticed I am approved for {$400.00}. I asked this company do they have licensed to lend in Virginia, they advised me they are license in Virginia. I never did received the loan in my bank. The next month, I noticed they took money from my account. I called the bank advising them of unauthorized action on my account, to close our account. I also check with the State Corporation Commission of Virginia to see if XXXX XXXX was granted license in Virginia. I was told XXXX not licensed in Virginia to do payday loans. On XX/XX/XXXX, we filed a Chapter XXXX Bankruptcy, inserting all out debts to include XXXX on our Petition. On XX/XX/XXXX, we were grant a discharge from all our debts. About two months ago, it appears XXXX, sold the fraudulent loan to AD ASTRA RECOVERY SERVIC. Now this debts is showing on all credit reporting agencies.
12/11/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37174	Web
Case number XXXX needs to be reopened. Request were sent for debt validation and licensure to collect in Tennessee on XX/XX/XXXX. Verification of delivery on XX/XX/XXXX. No response has been received. The debt stated on my credit report is for {$1000.00} The company 's response is for a XXXX XXXX. I am not a male, perhaps the collection is for a male by the name of XXXX. The company 's response also states that two validations letters were received in regards to this account. I have only sent one validation request with no response. perhaps the other validation came from the male XXXX whom they are referring to. Also the license number given, XXXX, is not valid to collect in the state of Tennessee per the tn.gov website for verification of collection licenses. Perhaps the license number is valid in Kansas, where the creditor is located, but this license number is not valid to collect in Tn.
05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I have kept close documentation. No responses to the letters I sent as well as not marked disputed within the legal 30 days. Also when I requested validation receipt of how the account was verified mine no information was sent back in response. No orginal signature binding me to any contractual obligations to this account as no verification information waa received within the legal allowe d 15days or r eceipt. Information was not listed correctly per the me tro 2 compl iance laws. As I do have all documentation, as well as all the signatures from the company when the certified mail I sent out waa received. This is my final attempt to have this account removed from my credit reports and cleared up or I will file a lawsuit with a court nearest to me for up to {$1000.00} per violation including court and attorney cost. A police report and report with the XXXX was filed XXXX XXXX 2017.
06/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web	Servicemember
On my credit report it states that XXXX XXXX XXXX XXXX is 100 % percent accurate. When clearly you could see the inaccurate information placed on my credit report. I tried disputing multiple times for inaccurate information such as, the terms, date open, account status, account type, payment status, account name, balance, company sold-to, and payment history. The account is clearly inaccurate. I sent the XXXX XXXX XXXX XXXX validation of debt letter and they failed to respond. Also, I sent them a letter due to that i do not have knowledge of the account. In which, this account have not been properly validated becuause clearly they are violated the law section 609, 611, 616, and 617 under the FDCRA and under FCRA. The credit bureaus states this account is 100 % accurate across every section of the account. They are violating my rights and my credit worthiness and defamation of my character.
02/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
Ad Astra Recovery Services continues to send mail demanding payment for a debt that I never incurred. Numerous attempts have been made to stop their harassment and collection efforts. 1. XXXX has contacted the company disputing the debt - I never took out a PayDay Loan 2. Though I completed bankruptcy earlier in the year, Ad Astra NEVER took the information off the file though contacted by my attorney, the bankruptcy court. 3. And even though Ad Astra has marked the debt as payed via bankruptcy with the credit agencies ... The company continues to send letters demanding payment for a debt that is neither mine, that has been noted via the bankruptcy court as paid off even though they never followed through with statements that the debt was never mine to begin with, and even after recent correspondence with XXXX confirming these details continue to send threatening mail via the USPS.
08/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web
I have put in numerous complaints with Ad Astra and they are still unable to satisfactorily verify that the 2 debts that they are alleging that I owe them. I have not asked for validation but for verification. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. This statement means There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. Ad Astra has failed to send me a contract between myself and a representative of their company so therefore this is not legally my debt. If I have to sue for legal damages then I am willing to do so because what 's going on is illegal as stated by the law Please do not send the same contracts that you all have been sending, I need to see a drawn up contract from Ad Astra with myself and an Ad Astra representative physically in the document.
12/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93534	Web
Two Adverse accounts with Ad Astra Recovery Services Inc listed with collection agency, One for {$310.00} and the other for {$3200.00}. These accounts negatively affect my credit file with the 3 Bureaus. XX/XX/2019 -Sent certified letter to request Validation of Debt to Collector XX/XX/2019- company mailed out statements of debt owed, not Validation. XX/XX/2019- I sent a 2nd certified letter to collector stating " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and also listed case law Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ). XX/XX/2019-They sent over the same statements failing to validate the debt.
07/02/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 77054	Web
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to AD Astra Recovery Services , Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with AD Astra Recovery Services , Inc. This was a XXXX Pay Day Loan and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by AD Astra Recovery Services Inc. In this case the debt should be removed from my credit report and out of the office of AD Astra Recovery Services , Inc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
02/26/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 76036	Web
My debt was sold to Ad Astra from XXXX XXXX. I sent a cease and desist to Ad Astra via mail and fax XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX-XXXX & at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX-XXXX and via fax at XXXX to inform them I would settle my debt with XXXX XXXX and awaited a return notice, I never received a return notice that they would not proceed. I sent all 3 methods to ensure they got the notice. However, Ad Astra put a debt on my credit that I do not have with them and do not wish to proceed in recovery with them. I have not moved forward with XXXX XXXX because I can not afford to pay XXXX XXXX and the collection company. The collection company has disregarded my notices. I have resent to them certified mail XX/XX/XXXX and will get confirmation from the post office of my previous mailing to provide to your agency
04/28/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 91403	Web
I recently checked my credit profile and discovered that " AD Astra recovery Services, Inc '', had put a negative trademark on my credit profile for over {$300.00}. I then sent a letter for verification to this collection company requesting verification of this debt. On XXXX XXXX, 2015 I received a letter containing a loan agreement with just a signature in my name. After further review I seen nothing in this agreement other than someone writing my name on a piece of paper. I did some investigation and found that a person whom get this type of loan must fill out an application and submit a blank check from their bank. Neither of this type of validation was submited by this collection agency. A fraud alert was put on my credit profiles sometime ago. I am requesting assistance in getting to the bottom of this fraud and attempt by this collection company to violate the law.
02/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO XXXXX	Web
XXXX XXXX XXXX I am responding to your response. Once again I am asking you guys to prove to me that I have any obligation to pay you for a debt that is with someone else. I am not admitting to this debt but I have no obligation and no contract with you guys to pay a debt that belongs to the original creditor. You have purchased this debt from them and with that being said the debt is not valid with you please cancel the documents you have sent me. I am looking for a contract between your company and me showing that I owe you this debt. If you can't provide that then this debt needs to go back to the furnisher and they need to contact me to settle the debt. I don't need documents from the actual creditor I need a contract with you guys with my signature. This is what I am looking for and if you can not provide that then this needs to be taken off my credit report.
01/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77083	Web
I sent a certified letter on each attempt dated XX/XX/18, XX/XX/18 and XX/XX/18 to Ad Astra Recovery Group for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation that states that I signed an agreement to Ad Astra Recovery Services. The request was not adhered to. Ad Astra Recovery Services continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company. I don't even know who they are. Ad Astra Recovery Services have reported the information to the credit bureaus as verified and I am asking that it be deleted the account was never validated. The account does not belong to me.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85016	Web
i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH XXXX, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
10/11/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
I recently pulled my credit and notice AD Astra Recovery is reporting a balance of {$850.00}. I've sent four letters to this company asking to verify this debt. I have not received anything but a print out of a balance they claim I owe. I honestly don't believe this debt is mine! I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
08/02/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 430XX	Web
This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to AD ASTRA ( the company reporting the collection to equifax, transunion and experian ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent AD ASTRA the proof of payment on XX/XX/2018 and that AD ASTRA is the only one that can correct the reporting on my credit. I called AD ASTRA today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but AD ASTRA has maintained this reporting to all 3.
08/27/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA 91335	Web
I received a call from AD ASTRA RECOVERY SERVIC about a debt I was not aware of. It does not belong to me. When i questioned the man on the phone he began yelling at me, telling me I was using COVID19 as an excuse not to pay debts, told me I was a XXXX and low life and people like me are the reason for problems today. I am not sure what the debt it for as t does not belong to me. I have tried to get information from the three credit bureaus as well as the agency direct. The credit agencies don't seem to address my issues with the profanity and lack of communication, nor with the premise this debt does not belong to me. The creditor has not responded to two letters I sent asking for written information about this debt. They have previously called several times a day starting at XXXX XXXX and continues every hour or so until about XXXX XXXX XXXX.
09/14/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	VA 20109	Web	Servicemember
In XX/XX/XXXX, I contacted the 3 credit bureaus to dispute the XXXX XXXX item on my credit reports. The loan was in in the amount of {$270.00}, however I never applied or received a loan from XXXX XXXX. The information on my credit report incorrect. I contacted AD ASTRA RECOVERY SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX on XX/XX/XXXX to inform them that I never taken a loan out with XXXX XXXX and I need this item removed from my credit report but the have not resolved the issue or removed it from my credit report. The account # is XXXX the loan date : XX/XX/XXXX. I am requesting that your office investigate this issue on my behalf. Also, XXXX XXXX was not licensed in the Mississippi in XX/XX/XXXX, therefore any loans issued in my name on XX/XX/XXXX was illegal. I can be contacted via mail : XXXX XXXX XXXX, # XXXX, XXXX, VA XXXX
02/25/2018	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 Problem with personal statement of dispute	TN 37072	Web
I have asked several times for AD Astra to validate an alledged debt and they have not. I have requested a SIGNED contract with them or the original creditor and I have not recieved either. I have requested them to provide me with documentation that proves that I have any legal obligation to pay them. They are continuing to ignore the law. AD Astra has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This is the last attempt to validate this alledged debt. I am requesting A WET INK SIGNATURE, NOT A COMPUTER GENERATED SIGNATURE. If that can not be provided this accounts needs to be deleted.
07/14/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Continued attempts to collect debt that is not owed. I have never done business with this company and I have no idea who this company is. The right of subrogation does not exist for a stranger to this transaction. 73 AmJur 2nd, Section 90.AD Astra is a 3rd party collector and is not on the original creditor contract that was mailed to me recently. I have not received any documentation from AD Astra stating that they purchased this debt either. Once again, I did n't receive written notification prior to this collection being placed on my credit as the address that you all have on file is one that I have never lived at. By law, I have to be notified of my right to dispute this debt. If this account is not removed, I will be reporting this to the BBB once again along with the documentation showing that I do n't have a contract with AD Astra.
11/01/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
On XX/XX/18, I filed a complaint with Consumer Finance Protection Bureau ; XXXX ( complaint number ), regarding " Ad Astra Recovery Service '', falsifying information on my credit report that they never " Validated '' as belonging to me. In their response to the Consumer Finance Protection Bureau, on XX/XX/18 ; Ad Astra Recovery Service, stated they requested to the bureaus to delete from my credit report. They never deleted this account from my XXXX credit report. This continue to be a " Fraudulent '' company. I have attached the XXXX report showing they are telling XXXX to keep this false information on my credit report illegally, according to the " Fair Debt Collections Practices Act ''. I am requesting to have this information forwarded to " the Attorney General 's Office, and to forward to Federal Trade Commission immediately.
11/13/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA XXXXX	Web
I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name XXXX XXXX XXXX XXXX of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad Astra Recovery Service, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!
08/15/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	MI XXXXX	Web
This was reported to the credit agencies without an attempt to validate the debt and despite numerous attempts to get them to rectify after I was made aware of it on my report, they refuse to correct their records. I requested documentation to verify the debt and the documents submitted are fraudulent and do not address my issue of validation of the debt. The documents do not bear my signature and I did not obtain this loan. The address used is my old address and I did not live at this address when they are claiming the account was open. The bank account listed on these documents is not mine and the documents do not bear my signature. They continue to report this on my credit despite the numerous requests to validate. I am also opening up a case with Consumer Protection. I need this removed from credit reporting agencies.
09/28/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	RI 029XX	Web
I revieved a Payday loan in XXXX of last year. I received it and I paid it back because they took right from my account but then proceeding to " roll over '' the loan and because I didn't call them they re enrolled me in another loan which I did not want. And when I called I got the response well since you didn't contact us we it rolled over or whatever the excuse was. My response was. I paid it in full. Why would I call you? Now it's on my credit for double what my original loan was that I paid. On top of that they overdrafted my account and I had to close it. They took complete advantage. So now it's my credit. I'm a single dad that pays an outrageous interest rate on my auto loan because of this. This is wrong on so many levels. I learned my lesson. I'll go without or before I even think about doing business with a Payday loan.
11/08/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MD 20785	Web
I monitor my credit on a regular basis and noticed that this item popped up in XXXX of this year. I filed a identify theft affidavit as well as a notarized letter and sent it to them. Prior, I have challenged this item to no avail. This is absurd, I have no knowledge of this company, never authorized a payday loan and have had no accounts with with ever. Not one person resolved this egregious error. It's ludicrous that you can put anything on a credit report without anything being validated and it's hard for the consumers to repair. As I'm approaching my closing date for my house this further jeopardizes yet something else I worked hard for, my credit and buying a home. I want it removed from all 3 credit bureau or I will have to pursue other legal recourse. My identify theft report is included as well as my notarized affidavit.
07/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
Ad Astra Recovery Services Inc. is trying to collect on a debt for a title loan account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Ad Astra bearing my original signature. Ad Astra has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that Ad Astra has been unable to provide this information and the debt still remains on my credit. Ad Astra is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and Ad Astra states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.
06/21/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
In accordance to FCRA Section 609, this accounts was further disputed in XX/XX/XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and this accounts to all 3 credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. The account needs to be removed. I will also be filing a complaint with the Attorney General as it is within my rights
06/16/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	AL 35211	Web
I have a loan on my credit report that has been sold to AD ASTRA from a company called XXXX XXXX. I contacted AD ASTRA and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission. This account is fraudulent. I 'm not sure who scammed me but I am not liable for this debt.
05/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85304	Web
I have reviewed my credit reports and have found that I do not recall having an account with Ad Astra/XXXX XXXX. I have previously disputed this account on my credit report to no avail. This most recent dispute was on XX/XX/XXXX. I wrote them a letter requesting validation of the debt. I cited the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) in hopes that they would take me seriously. Unfortunately, as before, they don't. On XX/XX/XXXX I received documents in the mail that include information from the original creditor, XXXX XXXX. There is also what appears to be a generic " Multi-pay Loan History '' typed up on 5 pages. There is NOT a signed contract. In fact, there's not even a contract at all. I know that a spread sheet of sorts is not sufficient to have something placed on my credit.
12/11/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 70094	Web
On XX/XX/XXXX, I received my credit report and to my surprise, I had AD ASTRA RECOVERY SERVICES listed attempting to collect a debt. On XX/XX/XXXX, I sent a certified letter to AD ASTRA RECOVERY SERVICES requesting the company prove I am the party who is by contract obligated to pay off this debt, which I have the right per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. AD ASTRA RECOVERY SERVICES did not validate the debt but indeed only sent a bill. If this account continues to report inaccurate and invalidates information to the three credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute fraud under both federal and state laws. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
05/17/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70123	Web	Servicemember
Supposedly I received a loan from XXXX that went to a bank account that my husband, who was an XXXX military member at the time, closed prior to the loan being taken out. I have asked this company several times to stop collecting on the debt and reporting the debt on my credit report. They have provided to me a XXXX XXXX open-end agreement that does n't have a signature but is typed in and their open end loan history that does n't say where the money went and where they were trying to get it from. From day 1 the loan payments came back as NSF but that account had already been closed. I just want this removed and/or taken care of so that I can buy a house. I was willing to settle the debt with XXXX just to get these debt collectors off my credit report but somehow they responded. I need your help!
04/21/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77379	Web
XX/XX/XXXX : Spoke with the collection agency to resolve the account. The agent told me the account was not past due because the company tried to collect payment using my checking account they had on file ( 3 ) days prior to my call. The payment was returned and that meant the account was still open because the attempted payment was made. The bank account the company tried to use has been closed for 2 years. This is not right. I did not authorize any sort of payment. This account has been in collections since XXXX. They are claiming {$1400.00} is owed but I only borrowed {$700.00}. They refuse to cooperate with me, continuously stating the account is not past due because of the attempted payment. I asked to speak to a supervisor, was transferred to a voicemail. I left a message and never received a callback.
10/28/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 95815	Web
I have an unverified account from Ad Astra Recovery. I had previously disputed this account. I have never done business with Ad Astra Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Ad Astra Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
09/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 76123	Web	Servicemember
My husband and I are trying to purchase a home through he VA program. I noticed a collection from a company called AD Astra on my credit report. To my knowledge, I am not familiar with the amount they are saying we owe and what it could be from and when. We watch are mail closely and do not recall receiving anything from this company stating what this is about. We did some research and decided to dispute the account and request validation. We disputed this in XXXX and re-disputed in XXXX. We have yet to receive any correspondence back from them. This is really frustrating and concerning and next year we plan to purchase a home and need to make sure the credit is in top form. I decided to file a complaint as a last resort since sending them a formal validation letter in affidavit format obviously is not working.
09/01/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	LA 708XX	Web
I started making payments through the online website XXXX for a debt that was owed. When I made the payments to them they provided a collection company Astra my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with Astra or spoken with them about the case. The funds should be placed back into my account, because Astra received information that should not have been provided to them to collect a debt. XXXX states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.
06/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75248	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
09/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89131	Web	Servicemember
I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all three Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
01/15/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76179	Web
AD ASTRA RECOVERY HAS CONTINUED TO CONTACT ME FOR A DEBT THAT THEY CLAIM I OWE. I HAVE SENT NUMEROUS LETTERS TO THE COMPANY ASKING TO RECEIVE DOCUMENTS SHOWING MY SIGNATURE AND AUTHORIZATION OF TAKING OUT A LOAN WITH THEIR COMPANY AND THEY HAVE CONTINUED TO NOT ACKNOWLEDGE MY LETTERS. THIS COMPANY IS REFUSING TO SUPPLY ME WITH DOCUMENTATION OF THE DEBT BECAUSE THEY DO NOT HAVE DOCUMENTATION TO PROVE THE DEBT IS VALID. THIS IS NOT THE FIRST ATTEMPT I HAVE MADE TO TRY AND RESOLVE THIS MATTER WITH CREDIT DISPUTES. I HAVE INFORMED THEM TO STOP ALL CALLS AND COLLECTIONS ATTEMPTS AND TO CEASE AND DESIST AND THEY CONTINUE TO VIOLATE MY RIGHTS AS A CONSUMER. THIS COMPANY HAS NUMEROUS VIOLATIONS OF FCRA, FAIR DEBT COLLECTION PRACTIVES, AND TCPA. I AM REQUESTING THAT THE CFPB INVESTIGATE THEM AND THEIR PRACTICES.
12/19/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92262	Web
I had an old payday loan that was sent to Ad Astra Recovery Service Inc for the amount of {$200.00}. I am trying to improve my credit score and willing to pay the debt but I want a letter stating they will stop reporting altogether the account to the collection agencies after they receive payment. The customer service rep said he could only give me a letter showing paid. I was told that it will show paid from the current date which means it will stay on my credit from the current date and not the date it went delinquent, even though it shows paid it does not help your credit score. He said they can only send me a standard letter. I will pay the debt once I receive a letter stating that they will stop reporting the account to the credit bureaus, so I can that completely removed from my credit report.
04/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30127	Web
Hello, I am having trouble with the collection company that is listed below. Their claim is that I owe them but I have never done any business with the company they claim that I owe. I have submitted letters requesting that they send me out information ( contracts showing my signature, a copy of my identification ), but the company failed to do so. I am tired of them harassing me about a debt that I never accumulated. Please help me with this company because Im so sick of them constantly harrassing me all time of the day and the constant contact at my employment ( I have told them to stop calling me at my place of employment, but they continue to do so ). Their false claim is damaging my reputation and is damaging my credit. COMPANY NAME : AD ASTRA RECOVERY SERVICE AMOUNT CLAIM TO OWE : {$470.00}
02/28/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NV 891XX	Web
Opened up a loan at XXXX XXXX # XXXX in XXXX in XXXX XXXX, NV. File # XXXX, {$1200.00} pay day loan from XXXX XXXX Made all my payments on time, until my hard ship trifecta. 1 ) Fell behind on my bills due to hospitalazation with a XXXX XXXX XXXX bite on my lower left leg. 2 ) XXXX XXXX on left knee. XXXX XXXX on left knee, XXXX XXXX XXXX removal left knee. Performed by XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX XXXX ) XXXX XXXX XXXX XXXX Black exterior, Grey interior Vin # ending in XXXX, Purchased new in XXXX from XXXX XXXX XXXX XXXX XXXX, Illinois Needed mechanical repair from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX Unable to afford repair bill, my vehicle was auctioned off after 30 days no payment, @ XXXX XXXX.
02/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MO 65807	Web	Servicemember
Debt for.a payday loan i was not aware of for XXXX thru XXXX which was at some.point bout It.to.commecct by ad astra in ks. To.collect i in.attempt.s to get loan saw it.an.disputed it.but.was not.able.to.have it.removed as it is not.a.debt I.made. in attempts to get it off my credi t i called them Explained this an we agreed an.I recorded the call that if u paid it in.full XXXX that day which I did they would.completely remove it.from.my.credi t. Which was to.be done. Within 30 days. its now.gone Past that plus.have tried to.direct dispute it again an ad astra is.reporting.it.is.a.valid.debt and.is.not.removing.it.as.agreed from.my file..I have called them.an.they assure.it will fall off not.to.dispute it.an to just wait. I.do n't buy it. I.need this.taken.off.my.the bureaus as agreed.
09/06/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 94519	Web
I was called by a private number in XX/XX/XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by XXXX XXXX and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.
02/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94806	Web	Servicemember
Took out a loan with the company XXXX on or about XX/XX/XXXX for the amount of XXXX dollars.The account went into default XX/XX/XXXX. I paid XXXX XXXX in XXXX or XXXX The full amount I owed them. XXXX XXXX has the record and exact date the loan was paid off. The problem I'm having XXXX XXXX uses a company by the name of AD Astra for recovery services. This company have been reporting this account to all three credit reporting agencies which by the way since XXXX or XXXX has been a XXXX balance. I have call XXXX XXXX and AD Astra to resolve this issue and have not been given any sort of resolution. I'm currently using XXXX XXXX XXXX to assist me in the resolution of this account. I been working with XXXX XXXX since approx. XX/XX/XXXX and nothing they have done has resolved this issue.
03/13/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77493	Web
I contacted AD ASTRA RECOVERY SERVICES on XX/XX/2020 regarding my outstanding balance with XXXX XXXX and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and AD ASTRA RECOVERY SERVICES " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.
01/27/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89115	Web
I received a credit alert of new collection debt on my credit report XX/XX/2020. I immediately attempted to dispute the item because I have never received any notices to pay or know how the balance is what it is. I requested a investigation with all 3 credit bureaus to get more information on this account through Ad Adstra Recovery XXXX XXXX XXXX. Instead of receiving information from the collection agency I was served with a lawsuit from XXXX XXXX directly without any type of response regarding verification of debt. They are threatening to garnish my wages in a civil judgement now because I asked about the validity of the balance owed. They have not given me any opportunity or notices prior to serving this notice. It has only appeared on my credit for 30 days prior to lawsuit.
03/09/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GU XXXXX	Web	Servicemember
I owe a debt to XXXX XXXX. The debt is now with Ad Astra recovery. They took the debt XXXX of XXXX. After two years they attempted to take the funds out of my checking account without any authorization or notification. They took XXXX $ and two other transactions were returned for insufficient funds on XX/XX/XXXX. I am a XXXX veteran who needed this money to make it through the rest of the month of XXXX. I attempted to call Ad Astra recovery to get my money refunded and they said they would not refund it. They have never once tried to contact me. And after 2 yrs of having this debt they attempted to collect it from my checking account. No authorization for this company to collect this debt from my checking account. This was my XXXX from the VA they took from my checking account.
04/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92507	Web	Servicemember
In XXXX, XXXX, and XXXX I found out I was a victim of identity theft while serving in t he United States XXXX. In late XXXX I was XXXX and lost my belongings in storage. I tried to fight it in the past and even in the present but had no success. The accounts that I'm disputing are with XXXX and as such. 1. XXXX XXXX Parial account # XXXX First reported XX/XX/XXXX and now is considered a charge off. Recent balance {$10000.00} written off {$7400.00} 2. AD Astra Recovery Service Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$300.00} 3.XXXX XXXXXXXX XXXX Partial account XXXX XXXX First reported in XX/XX/XXXX which is in collections. {$500.00} 4. XXXXXXXX XXXX XXXXXXXX Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$99.00}
12/12/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	CA 90059	Web
I received a call from AdAstra Debt collection company regarding a payday loan I owe. I was threatened numerous times by a representative named XXXX. I asked XXXX to speak to another associate and he declined. XXXX stated he is the only XXXX I am able to speak to because he is handling the account. XXXX hung up, I called the company back hoping to speak to another associate. A representative name XXXX answered the phone and stated she was unable to assist that she would be transferring me to XXXX. I explained to XXXX that I was not comfortable speaking with XXXX and she still refused to assist me with simply taking a payment. XXXX advised me that unless I want the collection to be reported to the credit bureau then I better speak with XXXX. At this time I released the line.
12/04/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77493	Web
Ad Astra continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : AD ASTRA RECOVERY SERVIC Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time. Between XX/XX/2019 and XX/XX/2019, the balance on your AD ASTRA REC collections account decreased by {$1.00} from {$610.00} to {$610.00}. This is completely false as I have never paid them anything.
07/03/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 755XX	Web
AD ASTRA RECOVERY SERVICES contacted me and said I had a loan with XXXX XXXX. I told them I did n't and to send me verifiable proof that I had a account I knew they would n't be able to because this was Identity Theft. They said they could n't provide any information on the account. I spoke with fraud dept, called repeatedly, sent affidavant and proof of theft by authorities. After all that trouble they reported collection accounts to all three bureaus. They refuse to delete the untrue information I have disputed with bureaus but they still remain on reports. This company deliberately harmed me by reporting untrue information damaging my credit.They need to fix it .Identity Theft is bad enough without ASTRA trying to damage my credit for something I had no control over.
02/15/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	MO 64131	Web
I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.
02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97220	Web
On or about XX/XX/2019, the consumer disputed an alleged debt with Ad Astra for an alleged payday loan made around early 2019 of the same year at XXXX store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing XXXX. Ad Astra failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.
11/21/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 38115	Web
I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). I also didn't give them permission to give my personal info to a third party without my permission. I would like for this account to be DELETED from all 3 credit bureaus
12/05/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77079	Web
These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
08/29/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46060	Web
On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to AD Astra Recovery Service and their client XXXX XXXX XXXX After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.
12/05/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77079	Web
These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
06/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
AD ASTRA RECOVERY SERVICE is trying to collect on behalf of 12 XXXX XXXX XXXX XXXX for an unknown debt. AD ASTRA RECOVERY SERVICE has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$2600.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA
05/17/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 92804	Web	Older American, Servicemember
I had a Pay Day Loan with XXXX Net Pay Day Advance on XXXX/XXXX/2013 which I had been paying regularly with the help of XXXX XXXX XXXX XXXX An accounting error occurred in the disbursement of funds which was immediately corrected and the automatic re-payment continued from there on until the account was paid in full. Payment was missed only for 60 days but was subsequently paid in full. In spite of the account already had been paid satisfactorily, they continue to keep the derogatory remarks in my credit report. The collection agency had agreed with XXXX XXXX XXXX XXXX that such entry will be deleted upon payment in full. It has been more than 3 years now since the account had be paid and they are still carrying the derogatory remarks in my credit report.
04/11/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76012	Web
XX/XX/XXXX FOR THE LAST TWO YEARS I HAVE SENT SEVERAL LETTERS TO XXXX XXXX/AD ASTRA RECOVERY SERVICES AND XXXX DEMANDING A COPY OF APPLICATION ON FILE WITH MY SIGNATURE, IDENTIFICATION CARD AND SOCIAL SECURITY NUMBER. I HAVE A NEGATIVE DEBT OPENED XX/XX/XXXX, TOTALING {$740.00} ON MY CREDIT REPORT, THAT I AM UNAWARE OF. I HAVE NOT RECEIVED ANY OF THE INFORMATION I REQUESTED AND THE AMOUNT IS UPDATED MONTHLY. I HAVE NEVER RECEIVED ANY WRITTEN VERIFICATION OF LOAN DOCUMENTS FROM AD ASTRA/XXXX XXXX OR XXXX. AS A CONSUMER I FIND IT UNACCEPTABLE AND UNFAIR TO PLACE THIS ITEM ON MY CREDIT REPORT WITHOUT ANY PROOF OR JUSTIFICATION. UNTIL ANY DOCUMENTATION IS SUBMITTED AND RECEIVED BY ME IN WRITING, I WOULD LIKE IT REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY.
06/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN XXXXX	Web
I file 2 comp laints within 2017 with Ad Astra Recovery Service within the last year to delete the inaccuracy on my credit reports. The account is not mine. I never had a account with them or the company they are representing. The have not deleted the account and its causing a negative impact on my credit report and credit score. I also file a complaints via the Better Business Bureau on XXXX 17 and Ad Astra Recovery Service r efuse to remove the account and also on XX/XX/2017 . The amount that is showing on my credit report : {$600.00}. I do not not have a signed contract with Ad Astra Recovery . I asked them to provide a contract between this collection and I and they have yet to provide this info. Mainly because I do no t have one
02/14/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 76123	Web
There was a loan placed on my credit reports stating that that i owe a company named XXXX XXXX XXXX for the amount of {$1300.00}. I attempt several times calling XXXX XXXX but could not ever get to representative. I finally spoke to a representative from a collection agency named AD ASTRA Recovery and they stated i needed to pay the amount above or else, I explained to them that i was a victim of a hate crime/Identity theft and the person/persons responsible had used my information in other accounts. I explained to them that i am XXXX and i am on a limited income and can not afford to pay a loan i did not take out.They told me the default loan would continue to damage my credit until i paid the balance in full which my XXXX income will not allow me to.
09/12/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TN 37206	Web
On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report stated the following, which was furnished by Ad Astra Recovery Services , Inc. of XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, Kansas, XXXX. I proceeded to dispute the item. Upon completion of the dispute no changes were made to my report. On XX/XX/XXXX, I disputed the inquiry once again for the inaccuracy. Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate requests within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. This derogatory mark is wrongfully damaging my credit tremendously.
10/10/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN XXXXX	Web	Servicemember
I have no knowledge of this debt and who this company or who there client is. I sent a debt validation letter via certified mail and have received nothing except a letter stating that I have never responded to them and that they now threating that they will report this information to all three credit reporting agency. I have pulled my latest reports and they are indeed reporting this invalidated negative tradelines to all agencies even though it's disputed and I have received nothing to validate this debt from them. I have attached the certified mail receipt sent on XX/XX/2018 as it relates to my response to this firm asking them to please validate, I even outlined the specific items needed to validate this unknown debt and I have received nothing.
07/14/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77449	Web
XXXX was taking money from my account on Paydays and they even overdrew my account to the point where my XXXX XXXX account was closed due to the excessive fees I was being charged. Today I owe XXXX XXXX over {$600.00} because of XXXX. And yet and still they have a collection account on my credit report for {$1300.00}. I never received this amount from the company. I have paid back the original amount I received but due to the excessive interest and other fees they claim I still owe them money. I do not believe this to be true. I have disputed it with the XXXX credit bureaus and it was deleted from XXXX but updated on XXXX and XXXX. This is preventing me from qualifying for a mortgage loan.The collection agency acting on behalf of XXXX is Ad Astra.
07/11/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. Ad Astra is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with XXXX XXXX have received the bank statement months ago and refuse to make knowledge of such. Ad Astra provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
08/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44137	Web	Servicemember
AD ASTRA RECOVERY SERV is stating they attempted to contact me ; however, have NO support evidence to support their statements. Now, they are sending Certified Mail, which should be produced in the first attempt if that was the case. With that said, this account should removed off my report until I have the proper opportunity to dispute the information! This should not be listed as in " DISPUTE '' it should be removed and allow me to DISPUTE it as the Credit Act and Debt ACT allows. In addition, please provide Assignment of Debt with signature for the CEO of the company stating you have a right to collect this " alleged debt ''. Please reference response on the CFPB # XXXX as stated, now they are trying to send a certified letter.
11/13/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
08/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
04/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web	Older American
I have received numerous letters and phone calls from Ad Astra Recovery Services regarding a debt that I do not owe. The letters say that I am seriously delinquent on an installment bankline loan with XXXX XXXX. I have never taken a commercial loan, nor have I ever had any dealings with XXXX XXXX. I spoke with a representative of XXXX XXXX and told them that I do not owe this debt. Nevertheless, they have continued to send me harassing letters threatening to hurt my credit. The letters state, falsely, that since you failed to respond ... we are now proceeding under the assumption that the debt is valid. They say that if I dont pay {$3500.00}, they will hurt my credit. Please help me stop these harassing an unfounded communications.
09/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77023	Web
I have been arguing with XXXX for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail. My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the charges. Please have the accounts listed on my report removed pursuant to section 605B of the FCRA and send all needed notification to the furnishers.
04/09/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember
We took out 2 loans in XXXX with this company, and paid them in full. Now, the same company is billing us for four NEW accounts that we did NOT open at all. These 4 new loans were made/opened in XXXX of XXXX and in XXXX of XXXX. There are currently 4 accounts open with the same company that we are being charged for, but we have paid this company in full. Currently, the original company has sent these accounts to a debt collector that referred us here to file this claim. Accounts being charged for : 1 - {$330.00} XX/XX/XXXX 2 - {$180.00}. XX/XX/XXXX 3 - {$330.00} XX/XX/XXXX 4 - {$590.00}. XX/XX/XXXX We paid a total of {$1100.00} as of between XX/XX/XXXX through XX/XX/XXXX ( auto-withdrawn ) to pay off our account with this company.
09/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MO 640XX	Web
DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.
08/08/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
Name of Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, KS XXXX XXXX : NET PAY ADVANCE Amount : {$1200.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
07/02/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78249	Web
For the past 2 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$400.00}.
03/07/2017	Yes	Payday loan	Received a loan I didn't apply for	CA 94518	Web
I contact AD ASTRA RECOVERY SERVICES at XXXX to advise that I did n't apply for this loan. They confirmed with me that the loan was applied for in my name but the money was deposited in a bank account for XXXX ( XXXX ). I have disputed this with the collection agency as well as the credit bureaus and I am still dealing with this showing up as a debt. Per the collection agency I requested a payday loan. Then paid it back and requested another one. I have followed all of the steps needed to get this removed off of my credit including filing police reports and going as far to give the collection agency XXXX phone number and address. Please help me with this credit agency that is harassing me and ruining my credit.
04/06/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 397XX	Web
This was a payday loan from XXXX XXXX and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. XXXX XXXX sent this debt collection to AD Astra Recovery Service, Inc. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and AD Astra Recovery Service , Inc. is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.
08/21/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MO 657XX	Web
Ad Astra sent me a collection letter for a loan that was previously paid to the orginial creditor. I have tried several times to dispute debt with my credit bureau with out any response from Ad Astra. I also sent them a letter asking for validation. No correspondence received. So finally I sent a payment to Ad Astra through my banks bill pay, and the next day also sent them a letter saying that they should have received payment for exact amount. Also that I was requesting validation of the debt. Did not receive. I also sent Ad Astra a copy of bank statement showing payment to the orginial creditor. I have attached all documents that I have in regards to this matter. And I want this removed from my credit.
11/01/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92336	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89131	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
01/31/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 78229	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AD Astra Recovery Services. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was still there not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
04/22/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	KS 66614	Web
Contacted Ad Astra at XXXX. A male answered the phone, took my name and then said " are you still receiving mail '' and disclosed my private address to a third party, then disclosed the details of when the loan was taken out. After contacting the same phone number and addressing my concern with the supervisor " XXXX '' she then attempted to deny the call ever happened with their office. This is a clear violation of my privacy rights, and because the call did occur XXXX is violating the deceptive practice 's of the FDCPA. I would request that the Consumer Protection Bureau please audit the phone records of this company. The company has XXXX complaints against them with the better business bureau.
06/11/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 95818	Web	Older American
I enrolled in a payday loan debt consolidation program XXXX ( XXXX ) in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after XXXX withdrew {$400.00} each month for 6 months. I was promised a closure letter and finally received it XX/XX/XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted Ad Astra/XXXX and they state they have not received any payment.
08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web	Servicemember
I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( AD ASTRA RECOVERY SERVICE ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW
06/27/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	KS 660XX	Web
I took out a payday loan at XXXX XXXX on XX/XX/XXXX, and subsequently was unable to pay. They sent it to their collection agency, Ad Astra Recovery. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and they were included in my case. They are still reporting on my credit, and I have contacted them in regards to the issue, and they 're always rude, even after I made them VERY aware that I had filed and they were included. The amount shows {$430.00}, and that the account is still open. I even gave them my bankruptcy case number, as well as the number to my attorneys office. I am trying to start my credit profile over again, and I have been denied a few things all because of this inaccurate status.
10/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37086	Web	Servicemember
I am re-opening this case due to the fact that issue was not resolved or addressed. The company in question is and used threating tactics in it's written correspondence of this disputed debt. Which is a direct violation of the FDCPA. Stating in the letter that we have not received any correspondence as it relates to this disputed debt when you have received correspondence from me and stating in both letters " if you don't pay us we will damage/negative your credit on your report ''. I would be happy to provide copies of these letters if you or the CFPB need them. I consider this wording to be very threatening and aggressive. I look forward to working with you to address this concern and issue.
01/31/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75154	Web
I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I contacted this company by mail on XX/XX/2016 asking them to provide documentation with my signature validating that this is indeed my debt. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. I reached back out to the credit bureaus and they instructed me to file a complaint with you all since the creditor will not respond to my communications, and is continuing to negatively report me to the credit bureaus with no documented proof. Attached is the letter that I sent over to them.
09/12/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	IL 60201	Web
I sent a certified letter to Ad Astra on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, Ad Astra did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time
06/24/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77373	Web
I called AD Astra today in regards to a XXXX XXXX debt on my credit for {$1100.00}. XXXX w/AD Astra told me that my account was sent to an attorney named XXXX XXXX XXXX on XX/XX/2018. I spoke w/XXXX at XXXX XXXX XXXX office and he told me that I was served in XXXX of XX/XX/2018. There's a judgement date of XX/XX/2018 in the amount of {$2500.00}. Had I been served, I would have attended the court date. I was never served at all. I do not have any notices that this account would be sent to a lawyer. I have never been served in my life and the process server is lying. I am asking that this judgement be reversed as there was no proper service and AD Astra needs to remove this from my credit.
11/28/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued where didn't live/sign for debt	GA 30253	Web
I paid for this debt in full for the amount of {$1300.00} to a XXXX XXXX law firm who is allegedly associated with Ad Astra Recovery Svs In. I asked for a receipt for the amount I paid and was told they do n't give receipts. I call the company several times before I even paid the debt and no one would assist me in resolving the matter. I want a receipt for my money paid mailed to me asap and this item removed from my credit report. I do n't even live in XXXX I live in XXXX and I was n't even suppose to receive a loan if I was n't a resident of the state XXXX. I do not have a XXXX Id or DL, I was temporarily working a XXXX job there over a year ago. I have paid this debt and I want my proof.
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 368XX	Web
I have contacted AD Astra Recovery and faxed my FTC affidavit to them twice XXXX and I have called to verify that they have received my fax and they did confirm but they wont stop reporting to the CRAs and this is what AD ASTRA Recovery told me to do, they told me in order for them to delete the account I have to call all 3 credit bureaus and tell them that I want to cancel my dispute so that they could delete the account! But little did I know this is a TRICK!! this collection company is sketchy!! how dare you try to still collect and trick me when this is a fraudulent account!!! I just want to say Thanks to XXXX they let me know what AD ASTRA Recovery was trying to get me to do!
09/05/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TN 37172	Web
I took out a loan with XXXX XXXX and it got sent to collections with AD ASTRA, I got a notification from XXXX XXXX yesterday saying that my collection account has decresed, I checked the account and the statement says it went down {$1.00} so it went from {$800.00} to {$800.00}, I have not made any payments to the account and it has bee nthere since XXXX, I have not had any communications with this company other than it showing on my credit and I also did not make a payment to them in the amount of {$1.00}, they are falsifying this information that is showing up on my credit report. The document I uploaded was reported on XX/XX/XXXX and I got the update to my phone on XX/XX/XXXX
10/17/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 76137	Web	Servicemember
Ad Astra recovery services handles XXXX XXXX loans, that I have a loan with. A XXXX XXXX with Ad Astra recovery services, left a voice mail on my cell phone, stating his name, not his company and he stated " I have been served '' After he contacted me he called my place of employment, XXXX XXXX XXXX, and wanted to speak with my supervisor, my supervisor was not available so he spoke with another supervisor but not mine. XXXX XXXX told this supervisor, not any company he was with, but stated I have a package to deliver to XXXX XXXX. This supervisor with my place of employment, contacted security about this, because, they thought this might be a case of XXXX against me or the XXXX.
10/02/2018	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TX XXXXX	Web
On XX/XX/XXXX, I called Ad Astra Recovery Service to inquire about the collection item appearing on my XXXX Credit Report, after Ad Astra Recovery Service wrote a letter to the Consumer Finance Protection Bureau, dated XX/XX/XXXX, stating they sent deletion requests to the credit bureaus. I spoke with XXXX, a supervisor with XXXX, that stated, Ad Astra Recovery Service refuses to remove this collection item from my credit report, as they stated to the Consumer Finance Protection Bureau. XXXX states they never received the deletion request from Ad Astra Recovery Service. This company business practices are extremely unethical and in violation of the Consumer Credit Reporting Act.
06/06/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
I have contacted not only the debt collection agency, but the original creditor. I paid two payday loans directly to XXXX XXXX, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof. XXXX at Ad Astra informed me they do not see two accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on X/XX/2017. In addition I have asked them to only contact me via usps mail and they do not follow.
12/16/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92392	Web
I have contacted the collection agency AD Astra directly, as well as, XXXX, XXXX, and XXXX since XX/XX/ 2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
04/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92040	Web	Servicemember
On XX/XX/2018, I disputed a collection account on my credit report from AD ASTRA RECOVERY SERVICES for the amount of {$310.00}. I was unsure what this was or why it was on my credit. I never received any kind of notification in writing or otherwise from this company. My dispute was me attempting to verify that it is indeed my debt as my right, per the FCRA. They did not provide me with this information yet it is still harming my credit profile. I want this debt either verified as accurate and that I indeed am responsible, or I want it removed from my credit ASAP. I refuse to allow this company to continue reporting to the bureaus if it is unjustly falsified informations.
09/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91335	Web
I am corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.
06/08/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75238	Web
The debit collector is ad astra recovery services. I have gone through so many things trying to get them to understand I was a victim of identity theft in XXXX and the only way I found out about it was trying to file state taxes, someone was able to file taxes in my name using my social security number, I have submitted documents from the IRS to them showing them the supporting documents. I have never received anything in mail about this account nor have I ever received any phone calls. This information was placed on my credit report and that was the way I found out someone had taken a loan out in my name. The amount posted was {$720.00} that was placed in XXXX
09/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web
AD ASTRA RECOVERY SERVICES {$780.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this three account that I am not aware of, I tried to dispute it, and request for debt validation to proof that the accounts really belongs to me. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. Thank you. XX/XX/XXXX.
08/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	AZ 85365	Web	Servicemember
I have received over the last 12-16 months a company named XXXX XXXX trying to collect a debt. The debt recovery company is Ad astra debt recovery services. I did not realize that several hundreds of dollars was coming out of my bank account and this was a while back. I am trying to locate the information with the account number and other information important to this case. I have been a victim in two ways. First, I had a debt collector trying to tell me I need to pay a loan which was not mine. Second, is that I am a victim of financial fraud because some one used my identity as XXXX XXXX and stole money from my credit union account in XXXX County California.
04/12/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 770XX	Web
AD Astra Recovery Services is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.
07/25/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I XXXX XXXX am stating that Ad Astra Recovery is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Ad Astra Recovery. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed application that I agreed to pay them or any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.
09/10/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78753	Web
In XXXX 2017, I noticed that the Ad Astra had posted derogatory remarks on my account. I sent them multiple opportunities to verify debt but all they would reply with was they reviewed the account and determined that it was valid. I contact them back and said that the message they sent is not proving that i owed their company money. After i sent the 3 letters, i submitted a estoppel and after a day or two after they received the estoppel, they contacted me again wanting money from me via postage mail. Even though they XXXX my account with XXXX XXXX, they continue to leave derogatory remarks with XXXX and possibly also XXXX ( I have not checked XXXX yet )
12/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web
I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. This collection agency is not licensed to collect in the state of Tennessee. Please assist me in this matter
06/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 956XX	Web
I 've been dealing with the collection agency XXXX @ XXXX. I was given a Settlement XXXX 2016, when given the settlement I advised the representative that I did n't have the funds for the {$180.00} settlement at the time. I then called them XXXX/XXXX/16 asking for a settlement to get the matter resolved by XXXX/XXXX/16 with help from my sister to resolve this matter. Per a XXXX, XXXX and XXXX with Adastra they advised me that they no longer have settlements avalible? I stronly disagree with them not choosing to allow me to settle the account when I 'm trying to get this cleared. I 'm a single mother with XXXX income trying to take care of my responsibility.
12/03/2016	Yes	Payday loan	Charged bank acct wrong day or amt	LA 707XX	Web
Collections agency was giving the wrong information from the payday loan company about how have the transaction was issue. and the date was inaccurate there was no transaction issued on those dates. After sending bank statements of how transactions was issued and paid back through my bank account. XXXX investigated and sent the results back stating that this account have been deleted from my credit file. I 'm asking for the same results from the other credit bureaus XXXX and XXXX to delete this account that been giving the wrong dates and information to them. Account # XXXX. Asking XXXX to notify all credit Bureaus of this result immediately as XX/XX/2016.
09/26/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75067	Web
I submitted a debt validation to this company under the Texas Finance code Section XXXX which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent lease form and a claim form. It did n't include original date of non-payment with creditor, date debt was transferred from original creditor, and the Texas Surety bond information. Per Texas law, this is to be removed from my credit report immediately. Also this company threatened to garnish my wages and report me to an attorney which is not allowed in the state of Texas.
01/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60651	Web
I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all three bureaus ( XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements.
09/17/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 22306	Web
I have been dealing with this company for 2 years now! Calling at XXXX to ask me to collect on the same debt, I have been disputing with them since I wasnt able to originally dispute the dept in the 30 day period. I have been passed around to the collection companies and Im just tried of the headache this brings thinking about this. This debt is as much as my rent and I just dont have it to pay! It stoping me from and new endeavors because of this one item in collections! Thank you for taking the time to read this. I dont know what I should exactly file this under. Im just wanted to ask I heard about a good will letter, and was wondering how to apply?
06/20/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92139	Web	Servicemember
XXXX XXXX is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against Astra Collection and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. Astra now has sold the debt to XXXX XXXX who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. XXXX XXXX can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.
10/09/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 366XX	Web
On XX/XX/XXXX of the year 2016, I began receive information from a collection company stating that I owed them money in the amount of {$130.00}. It was stated that debt was seriously past due, assigned to an attorney, and reporting to credit bureaus with negative information to be reported if action was n't taken immediately. After several attempts to dispute whom I had the account with and asking for verifiable witnesses to substantiate their claims that I owe anyone the said amount, which has not been verified. This company has not only damaged my reputation as an consumer, but also has vilified my name with the major credit reporting agencies.
06/11/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60653	Web
I disputed an account that was fraudulently opened with XXXX XXXX that is being actively collected by Ad Astra Recovery Services collection agency. Ad Astra Recovery Services is negatively reporting an amount of {$2400.00} that I do not owe on my credit report. I have contacted XXXX XXXX and was advised the amount is no longer owed. Ad Astra Recovery Services are still attempting to collect a debt that is not owed. This company is violating the Fair Reporting Act by reporting inaccurate information that has not been verified. This company needs to be held accountable as Im sure Im not the only consumer affected by this negative credit reporting.
10/24/2018	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TN 38018	Web
I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
10/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30080	Web
I pulled my credit report from XXXX and XXXX XXXX and an unauthorized entry from AD ASTRA RECOVERY SERV. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. AD ASTRA has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. This entry must be DELETED from my credit file.
07/11/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 78227	Web
The account in question was sold to a debt collection agency and I was not informed of my right to dispute. Furthermore, when I did dispute this account based off of not having a contract with the debt collection agency, the credit bureau removed the account and the debt collection agency then reinserted it without any written notice whatsoever and did not send any information showing that they did their due diligence to investigate or ensure the information obtained was complete and accurate. I called and left a voicemail to let them know that I would be taking action should be the account not be removed from my credit report immediately.
10/20/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77090	Web
XXXX continues to harass me about a loan I no longer owe. After seeing this reflecting negatively on my account, I sent them a dispute. That was in XXXX. They have had well over 60 days to investigate and the law only gives them XXXX. They sent back a letter in response to my request for validation, however, there was no validation attached! Not one sheet of paper. Yet, they state in the letter that the debt is validated! Says who? Where is the proof?!? This is ridiculous! I have requested for original documents to prove my payment of this loan. There time to investigate is up. I want this erroneous account deleted from my credit file NOW!
05/13/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 94598	Web
hi I made a online account with = XXXX, for XXXX $ in the middle of the online transaction with the loan, the XXXX site had errors making it not getting to the process of funding my account, but I did sighn the loan docs etc, the site went bad over and over? now its on my = XXXX credit report saying I got the XXXX $ and listed, I, m asking for suffering and financial losses from XXXX website errors and more ok? I would like the Amount of = XXXX $ Deposited to my BANK, FROM FINANCAIL LOSSES, WEBSITE FRAUD & THEFT ETC AND RUINING MY CREDIT SCORE ETC, AND LOSSES FROM WORK, GAS, TIME, PLEASE DEPOSIT MY XXXX $ XXXX CREDIT REPORT # ID= XXXX
03/18/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93003	Web
AS Astra sent documentation affirming debt of XXXX however failed. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to AD Astra as a debt buyer ) to justify continued collection attempts. This is my right. Otherwise, ( 2 ) this is an active attempt to collect usurious interest as defined by the RICO statue by pursuing of collection posted to all my credit reports impacting my credit score ( 3 ) and Failing to consistently report the same data to all bureaus, date of debt varies as reported to 2 agencies. My new liability is estimated to be less than 50.00. Unreportable in this circumstance.
11/18/2016	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	GA 77064	Web
Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.
06/14/2017	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	CA 95135	Web	Older American
I already settled this debt with this collection agency as of XXXX 2016 and I asked them several times to remove the entry in my credit report that states collection. Although it appears that I have a XXXX balance, debt collection agencies should remove these reports in consumers ' credit files. And they not only do this to me for to other consumers as well. I have requested them many times but all they say is they can not remove it but they only told me that they keep updating it to XXXX balance. That is the case. If they report it as fully paid then they do not have to update it every month. I am disputing this with the company.
01/13/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75040	Web
On XX/XX/XXXX I sent an letter to A, D, Astra Recovery Service to validate an debt. I requested the following : Date the debt was transferred from original creditor to the 3rd party. The current balance they bought the contract for. Copy of the contact I signed with the 3rd party not the creditor. Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) Texas Surety Bond information as required by Sec 392.101 As of date XX/XX/XXXX, I was not provide with the above mention. I was provide with the details from the creditor Speedy Cash but I was not provided with any information in reference of A.D. Astra Reovery Services.
07/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77494	Web
I have been receiving collection letters from a collection agency called " Ad Astra '' for a debt that I have not availed ( from XXXX XXXX ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. This debt has been reported to credit rating agencies and is severely impairing my credit score/history. I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. I would urge you to investigate both Ad Astra and XXXX XXXX as to the origins of these collection letters.
07/19/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
I contacted the collection agency ( Ad Astra Recovery ) several times and they continue to tell me that they can not provide me with proof/paperwork showing my ownership of a debt for {$500.00} with XXXX XXXX taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from XX/XX/2013. I am going in circles and this is my worse nightmare.
03/02/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93534	Web
i sent them a letter requesting validation that they received certified XX/XX/XXXX of 2018. i told them by law they had 30 days to respond in receipt of this letter they signed for certified with validation with a contract bearing my signature. That would prove that i had some kind of contract with them. There first violation was that they sent me a copy of an alleged contracted with a huge " copy '' sign on it. Secondly, i pulled my credit report on the 31th day to see that they didnt comply and that they only updated 2 out of 3 of the bureaus as " disputed ''. This is a clear failure to comply and i have all the evidence.
07/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web
For the past 3 year Ad Astra Recovery Services has been trying to collect on a debt I do not owe them. I do not have a contract with them and when I have asked for validation of the debt they send me a copy of a bill from them no contract stating I owe Ad Astra Recovery Services nothing! They also have been reporting this account status as open instead of closed. That is a direct FCRA violation which entitles me to a least {$1000.00}. They have not nor are continuing to offer credit to me. The correct status should be closed. After 180 days that an account becomes delinquent the status should be closed. It has been 3 years.
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77082	Web
Upon ordering my annual credit report I noticed the company Ad Astra on my file. The entry was from a " XXXX '' account. Ad Astra was sent letters to verify and validate the debt, but I never received documentation to validate nor verify the debt. Additionally by law consumers should receive Dunning Letters so that they may dispute a debt in question. To my knowledge, Ad Astra Recovery has never forwarded a Dunning Letter to my attention and my address has been the same for over 4 years now. The company has not provided any information including the original contract with Ad Astra. I do not have a contract with Ad Astra.
06/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76013	Web
On XXXX separate attempts once on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 i sent validation letters to AD Astra Recovery Services to have them verify the debit that is owed. They refused to give me proper debt validation, in which i invoke my rights under the Texas XXXX to have certain information be provided to in which they have not provided. They also marked my file as disputed when I clearly did not dispute anything let alone send them letters under the FDCPA. Since they have n't given me proper validation under the Texas XXXX which requires them to either validate within 30 days properly or they are in violation.
11/11/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 79936	Web	Servicemember
I wrote to AD ASTRA RECOVERY SERVICE about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owed them. They sent me paperwork stating that I was the borrower of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a second letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report after the required 30 day period.
04/28/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77450	Web
Sent a complaint through the CFPB regarding A D Astra Recovery Service. T he company stated in their response. That the first dispute that I sent out the collections accounts were removed. Upon pulling my credit report XXXX . I found that to be incorrect. The Account is still showing on my XXXX report. The company has responded with false and incorrect information. The company also stated that they have a current bond in Texas. Upon looking a t the Secretary of Sate for Texas the company is NOT Bonded in Texas and can not le gally collect debt. Please remove from my credit report and confirm that debt is not owed.
01/19/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77338	Web
I ( XXXX XXXX ) contacted Ad Astra today XX/XX/2018 at XXXX to attempt to settle a debt. I am not acknowledging the liability of this debt. I spoke with a rep and she stated to me Ad Astra never sent validation of this debt. The rep stated I have the company on do NOT contact which I have never done so, therefore they ca n't validate the debt. The company admitted to not being able to validate this debt. Under FDCPA and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. This debt needs to be removed immediately from my credit file ( XXXX, XXXX, XXXX ).
01/11/2018	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 Investigation took more than 30 days	TX 77044	Web
Completed online dispute with the credit reporting agencies on XX/XX/XXXX. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
12/25/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92123	Web
I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.
05/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90016	Web
I am currently receiving collection letters from Ad Astra ( collection agency ) on behalf of XXXX XXXX. Ad Astra is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. My first attempt i contacted ad Astra to notify them that this collection is fraudulent. They did not want to hear my complaint. I then made a dispute claim with XXXX but they were not able to successfully close the dispute.
12/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76018	Web
I received a bill from XXXX a couple of months ago, I called them and told them it was not my bill, I was told it was a speedy cash loan taken online. I filled a police report, sent information to XXXX and Speedy cash that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a speedy cash loan. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
04/28/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NV 89503	Web	Older American, Servicemember
I made an agrement to pay/settle my account with XXXX XXXX to stop them from collecting and to have the collections accounts removed from my credit report. To date, they have not done anything and BY HAVING INCORRECT INFORMATION ON MY CREDIT REPORT IT APPEARS THAT THEY HAVE NOT STOPPED AND continue to make attempts to collect and they continue to provide inaccurate information on my credit report thus affecting my score and my CREDIT WORTHINESS AND qualification to obtain credit AND IT SIGNIFICANTLY AFFECTING ME AND MY FAMILY TO PURCHASE OR REFINANCE VA LOAN, IT ALSO RESTRICTING ME TO QUALIFY FOR A JOB.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
03/24/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91792	Web
My credit report has a derogatory status per Ad Astra Recovery Service claiming I have a debt that is owed. I have reached out to Ad Astra to provide me verification of the amount claiming to be outstanding and have not received a reply within 30 days. I finally decided to contact Ad Astra once again. Spoke with XXXX. She told me that every time I send a dispute, it re-opens the file and the credit bureaus invalidates the update they send to them and reopens a new one. She said I have to give it full 30 days to be completely removed from all reporting agencies and has yet to be removed 6 months later.
08/21/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NV 89031	Web	Older American
AD ASTRA RECOVERY SERVICES, INC was collecting money on the behalf of XXXX XXXX. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXXn credit report and this company AD ASTRA RECOVERY SERVICES , INC name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77019	Web
XXXX XXXX took out a fraudulent internet loan for XXXX dollars in 2014 and has hounded me ever since to pay off a loan that I never made. After sending in a police report and sending all of my information to XXXX, they refuse to release the non payment status of this fraudulent loan on my credit report. When contacting their customer support line, they told me that my birth year was incorrect. Seriously, I know when I was born but apparently the identity thief did not. And somehow XXXX XXXX still gave out the loan anyway. This has been a consumer nightmare and XXXX XXXX is a bad, bad company. Beware.
04/14/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 77054	Web
This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XX/XX/2016 and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.
11/25/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	TX 77047	Web
The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that XXXX XXXX sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did XXXX XXXX not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, XXXX XXXX, to pay me for the years of bad credit ruining my chances of investments.
08/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63122	Web
On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and XXXX credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
08/10/2020	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 Their investigation did not fix an error on your report	MO XXXXX	Web
I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
07/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
I have never done business with AD ASTRA RECOVERY SERVICES. I do not have a signed contract nor any contract with AD ASTRA RECOVERY SERVICES. I am requesting debt validation for the alleged amount this company is reporting to my credit bureaus. This is not a request for alleged verification with a third party bill. If a signed original contract between AD ASTRA RECOVERY SERVICES and myself can not be produced you will need to remove your trade from all of my credit reports at once. You do not have permission to contact me by mail nor by telephone. Please keep all communications through the portal.
11/21/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60201	Web
after sending multiple certified letters to ad astra and filing complaints XXXX and XXXX, ad astra asked me to go onto the ftc id theft website and send them a copy of this to get the tradeline removed. I have done this and sent them a certified letter that was signed for on XX/XX/XXXX. This still has not been done, even though i have done what they have asked. Ad astra continues to work in bad faith by not honoring what they said they would do. I have never done anything with this company.. i do not have a signed contract with this company nor do i owe this company any money. this is a BAD DEBT
07/18/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MS 397XX	Web
AD Astra Recovery Services has damaged my credit and defamed my credit by doing the following : 1. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor. 2. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
12/16/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.
05/14/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92595	Web	Servicemember
I collection account was put on my credit report my a company called Ad Astra ( XXXX ) for a XXXX XXXX loan. I called XXXX XXXX and gave them my social and they could not find an account. I then called Ad Astra and they did not have the correct social security number just my name on account that was not mine. They put that info on my credit report knowing they did not have a correct SSN for me. When I asked them how they could do that knowing they did not have the right SSN, they could not give me an answer. This has negatively affected my credit report and should be removed by this company.
08/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94806	Web
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
05/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92801	Web
On XXXX XXXX on XXXX and XXXX there is a collection agency that is trying to collect a debt for a payday loan i did not open from a ad astra recovery service on behalf of XXXX XXXX opened on XX/XX/XXXX i have tried to call debt collection agency numerous times to no avail. I have also filed a police report XX/XX/XXXX for identity theft thru XXXX police dept. This is not my account. I want it taken off my reports as well as a negative collection account. They also have an email listed on the account i never used. XXXX XXXX XXXXXXXX XXXX i never used that email i use XXXX XXXX XXXX XXXXXXXX
12/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76018	Web
I received a bill from Ad Astra a couple of months ago, I called them and told them it was not my bill, I was told it was a XXXX taken online. I filled a police report, sent information to Ad Astra and XXXX XXXX that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a XXXX. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
01/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 75034	Web
I took out a loan for {$210.00}. Shortly after that, I had someone break into my car and steal my identity. The robbers broke into checking account and filed taxes in my name. This caused me to go delinquent with XXXX. After I was able to fix the damage that the robbers did I tried to pay my balance that I owed XXXX XXXX. They told me that I would have to pay them XXXX. I explained my situation but they refused to work with me. I think that it is unfair and predatory that they will not allow me to pay the balance that I owe them. In addition that is harming my credit. Please help me!!
07/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77320	Web	Servicemember
I was a victim of identity theft from the time I was XXXX years old. I learned about the identity theft in XXXX of 2009. I filed a police report and identity theft claim at that time. The items ( tax liens and XXXX XXXX account ) were removed from my XXXX XXXX and XXXX reports. XXXX still lists these accounts that are not mine. I have attempted to remove them via XXXX County Recorder however, they can not access these tax liens because my social security number is associated with the persons name that stole my identity many years ago. This is the same issue with the XXXX XXXX account.
04/06/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
03/20/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
05/08/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	OR 97217	Web
Hi, I took out a payday loan for about {$270.00} from XXXX XXXX here in XXXX, Oregon. The date was XX/XX/2013 I paid them back within 2 weeks and they never credit my account. I went to check my credit report and they don't have a copy of my payment and they sold the account to Ad Astra. Ad Astra Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX Account # : XXXX I never had a contract with Ad Astra, they don't have my records and I can't understand why they are there on my credit report. I have called numerous times and they just give me the run around. XXXX XXXX
01/19/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77546	Web
This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.
03/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91423	Web
Ad Astra claims i owe their client XXXX XXXX a {$310.00} for some kind of loan i never got.I filed a complaint against them here recently to which they said that they still believed the debt was mine and that they sent me some kind of proof, which of course I did n't get.They also said that if i really was a victim of identity theft to file a report with the FCRA and contact them and they will remove it.I did call them numerous times and sent them a copy of the report i filed with the FCR, report # XXXX but instead of removing this collection they keep reposting it to my CR 's!!!!!
03/13/2019	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	CA 951XX	Web
AD ASTRA RECOVERY SERVICES Account number XXXX- is reporting a collection for {$310.00} on my credit report for the debt that is NOT mine. I called and have written letters to AD Astra to state that this is not my account and that I never have done business with Original creditor XXXX XXXX XXXX CA- they refused to take this off my report they asked for my social # phone # and where I worked now they are aggressively harassing me trying to collect a payment on this fraudulent account ... ad astra threatened to arrest me if I didn't pay this debt that is not mine to begin with ....
03/05/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 92223	Web
Ad Astra Recovery Services has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with XXXX ( the original creditor ) has been paid in full. XXXX is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
10/21/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 76053	Web
The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to Ad Astra Recovery Serv. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.
08/11/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75227	Web	Servicemember
I received a copy of a payment demand letter from Ad Astra Recovery Services that was included in forwarded mail from another address. I did not live at this address at the time this payday loan was applied for. I requested validation of this debt under the Texas Finance Code Section 392.202. Ad Astra did not respond to the request but they continue their collection activity by continuing to report the account to the credit reporting agencies. They also verified the account as accurate XX/XX/XXXX and XX/XX/XXXX but were unable to provide copies of contracts, agreements., etc.
08/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Ad Astra Recovery failed to validate or send proof of contracts that I have with Ad Astra Recovery. If Ad Astra Recovery does not send a copy of this contract within 30 days, The only resolution i will accept is to delete the said debt from all credit reporting agencies, as it is a fraudulent account. The FCRA requires you to verify the validation of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here and i urge you to remove this item before i am forced to take legal action.
08/07/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76131	Web
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
08/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85138	Web
I made an agreement to pay a debt, to Ad Astra, with an initial balance of {$850.00}. Now the collection company say the initial balance was XXXX. I have made XXXX payments since XXXX 2016, each receipt was miss posted at the original company, XXXX. After each payment posted I called Ad Astra, they said the payments posted correctly on their end. All was fine until XXXX XXXX, 2016. That is when they told me my initial balance was {$1200.00} and they did not want to send the recorded call of when the agreement was made. I have emails from XXXX showing the initial balance.
02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed AD Astra via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
01/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
On XX/XX/2020 XXXX XXXX received a dispute from me regarding an alleged debt that I owe. They bought a debt from XXXX XXXX who claims that I owe {$1500.00}. I've never had an account with XXXX XXXX, therefore I don't owe anything to that company. I asked XXXX XXXX to provide documentation that proves this debt is mine. They could not. They sent me 7 pages of documents in which NONE bared my signature. There were pages that had my name typed in but nothing that shows where I signed. That is because I never signed anything and this claim of debt is completely erroneous.
05/18/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 891XX	Web
I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with. This collection agency has stated that I owe them {$1000.00} and is continuing to ruin my credit file. I have asked them to send paperwork bearing my signature for this supposed debt, stating there is a contract or I have an obligation to pay this claimed debt. I do not know who " AD ASTRA RECOVERY SERVICE '' is, nor do I have any type of contract with them that I am obligated to pay them or owe them money. This needs to be removed from my credit file immediately!
03/09/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	TX 77086	Web
XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Ad Astra Recovery Service regarding the debt being reported on my credit. I received documents by mail with a signature that does not belong to me. XX/XX/XXXX - I sent notification by mail to Ad Astra Recovery Service requesting to Cease and Desist in any and all attempts to collect the fraudulent debt and to remove the item from my credit report under provisions of Public Law 95-109, Section 805-C of The Fair Debt Collection Practices Act. XX/XX/XXXX - The item remains on my credit report.
12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91761	Web
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
06/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 541XX	Web
I received a letter dated XX/XX/18 from Ad Astra Recovery Services , Inc. stating that I owed " XXXX XXXX '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called Ad Astra and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the Ad Astra representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
03/08/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	AL 356XX	Web
I had filed a previous complaint and listed it as wrong original creditor they werent XXXX XXXX but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about XXXX XXXX. I attempted to clear this matter with them by filing a dispute through XXXX and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
09/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63118	Web
on XX/XX/XXXX I sent a debt validation letter to AD ASTRA Recovery Services asking for validation of this debt something with my HANDWRITTEN SIGNATURE they responded with a typed signature. This company has yet to provide me with proper validation of this debt nor do I have a legally binding contract with this company. Since I have yet to receive proper validation this needs to be removed from my credit report. I have tried to resolve this with this company to no avail. Under the FCRA 15 U.S.C 1681i, all UNVERIFIED & INVALIDATED accounts must be promptly deleted.
08/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77044	Web
AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting. By reporting a debt to my credit Ad Astra Recovery is in violation of the FCRA
02/01/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX XXXXX	Web
I received my credit report showing Ad Astra is collecting on behalf of XXXX XXXX XXXX XXXX for an loan I never received or applied for on XX/XX/2014. I have been disputing with this company for months & the credit bureaus that this is not my loan. Ad Astra sent me a letter, but this was no contract that I signed. This is misleading & inaccurate on my credit reports, Federal Law requires that mechanisms is provided to ensure that each item on my credit is accurate. I also have placed Fraud Alerts on my credit showing I was a victim of identity theft in 2014
03/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX 77489	Web
I sent them a letter on XX/XX/XXXX ; In XX/XX/XXXX, and in XX/XX/XXXX asking them to verify the debt and amount due. I made several payments to Ad Astra in XXXX and XXXX towards the balance of the loan, but my credit file still reflects the original payday loan amount of {$660.00}. I have reached out to them via US Postal service but haven't recieved 'any ' correspondence back. I need for them to update the amount owed and work with me to resolve the balance or remove the incorrect information from my credit report altogether due ti inaccurate information.
12/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web
I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of identity theft. I have taken proper precautions to protect my identity. In my research I also found that the collection agency, Ad Astra Recovery Services, is in violation of the Texas Debt Collection Act by trying to collect and reporting this debt to the credit bureaus since they claim this debt was incurred in XXXX. This is yet another reason I am requesting this be removed immediately from my credit.
12/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 78201	Web
Per review of XXXX credit report from XX/XX/2018 I discovered a payday loan account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.
05/29/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	LA 70560	Web
XX/XX/2019 Employer contacted by XXXX XXXX using spoof phone number program detected. Informed us that there is a case number. Did not mentioned whom she worked phone, but this isn't the first time her company has contacted from phone number XXXX and XXXX. Continuous harassment about a fictitious case number. Contacted employer, relatives, and did not provide written statement as to facts of subject matter. XXXX XXXX avoided providing the name of the company she worked for and any information pertaining to the reason for the call. Just a case number.
03/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92882	Web	Servicemember
I was informed that AD Astra recovery service is appearing on my credit apparently it has been reported to the credit bureaus since XXXX of XXXX. I am currently in the XXXX and never received notice of the debt. I am currently stationed away from home and left my mother in charge of my finances. She is the one who informed me of this negative report on my credit report. My mom has informed them that I am currently unavailable due to my deployment. She also informed them that I fall under the XXXX. She was told there is nothing that they can do for me.
06/09/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75061	Web
Original creditor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX ), is reported on my credit report on all XXXX bureaus as a collection debt. This debt was paid on XX/XX/2014 for XXXX to a debt collector ( Ad Astra Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX ). Ad Astra b ought the debt from XXXX XXXX . I want this debt to be removed. They show inconsistent data across all XXXX credit bureaus and no visible account number can be seen.
07/22/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AL 35401	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
04/04/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77033	Web
I had a collection with ad astra which I paid in full, with them I asked if I pay in full will you remove the debt from all XXXX credit reports, the representative said she has approval from her supervisor to do so. One month later the collection is still showing on my credit report, so I called back and asked again to have the collection removed since I had been promised they will. The young lady on the phone they and give it thirty days. That last call was three months ago and the collection is still reporting on all XXXX of my credit reports.
08/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75227	Web
The Account AD Astra was paid in full as of XX/XX/2020 and at this time AD ASTRA agreed to remove item from XXXX XXXX report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from AD ASTRA and they indeed sent a request for this item to be removed in XX/XX/2020 to XXXX which still refuses to remove the item. AD ASTRA has instructed me that they would sent another report to XXXX as of XX/XX/2020 for this item to be removed. I want to make sure that XXXX in fact does comply with this request and delete this item.
01/08/2017	Yes	Payday loan	Can't contact lender	TX 75218	Web	Servicemember
My intial debt was with XXXX XXXX. Unfortunately I was laid off and unable to make payments. XXXX XXXX was unwilling to set up any arrangements on my loan. I began to receive threatening calls at saying they were going to take me jail for check fraud. These calls came from XXXX XXXX. I called and reported these threats and nothing ever resulted. They continued to harass not only me but my references. Giving out " case numbers '' for my file and telling them I was going to be prosecuted and served. It got to the point I had to change my number.
06/25/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 760XX	Web
Ad Astra has been falsely reporting information for 3 years. Ad Astra did not respond to a debt validation request within the time-frame as set forth by the Texas Finance Code and FDCPA. I have attached a timeline and PROOF in the form of USPS tracking and successful faxes. They have falsified dates with the intent to deceive. They have IGNORED Cease and Desist letters that I have sent. I have also disputed with Credit Bureau with no results. It is my assertion that the credit bureau merely take Ad Astra 's word and do not truly investigate.
06/23/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 751XX	Web
I have repeatedly asked for validation of this debt from this collection agency and they have not responded yet continue to report this negative account to my file. I requested that the company provide a contract between them and the alleged original creditor, Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. They have not complied, yet they continue to " verify '' this inaccurate account. Account number XXXX
09/11/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	KY 41017	Web
I have requested from AD ASTRA RECOVERY SERVICES, two times for validation of a debt that is showing up on my credit report. This company has not responded to my request. Apparently this account was opened online. The amount showing is {$500.00} on or around XX/XX/XXXX. I have requested validation XX/XX/XXXX and XX/XX/XXXX, as both request were in writing. am requesting this account be removed from my credit file, as this is putting a stand still on my home purchase. This company has failed to send me validation of this account. Thank you.
06/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
XX/XX/2012 I received notification of a late payment for a payday loan that was opened online. However, this account was opened fraudently and I called the company to explain. I even faxed them a copy of the police report during this time. It is still listed on my report and Ive continued to dispute this through the company and all 3 credit bureaus but it still remains on my credit report. I recently sent a validation letter to them so that they can validate this information but it has been 30 days and still no response from the company.
02/19/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AR 72206	Web
I was contacted by XXXX XXXX XXXX, whom represented XXXX XXXX of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX XXXX was not the original third party collector and not the most current but still contacted me as a collector. XXXX XXXX, aka XXXX XXXX hired XXXX XXXX XXXX. This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.
02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38671	Web
Unfortunately, I am a victim of identity theft. I was robbed a few years ago and the perpetrator took my car, wallet, and phone. Inside my wallet included my cards, license, social, etc. Since that horrible incident happened there has been several fraudulent accounts opened in my name. My credit report reveals credit cards, a car loan, apartment collections, and addresses I have never resided at and the list goes on. This is so frustrating. Can you please help me remove delinquent accounts that are not mine. Thanks XXXX XXXX XXXX
08/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web
Ad Astra has consistently sent documents to my address stating that I owe a debt to them and have not been able to validate the debt. Ad Astra Recovery is also not licensed or bonded by the state of Texas to collect on any type of debt as stated on the XXXX website. Ad Astra needs to send information regarding being bonded by the state of Texas. Until then, they can stop with the sending of contracts and contacting me stating that I owe a debt. This information needs to be removed from all 3 reporting bureaus if it is n't provided.
12/19/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 75217	Web
On XX/XX/XXXX, AD ASTRA reported to all three credit bureau that I made a payment to my account for XXXX dollar. I have never made any payment nor contacted this creditor to set up any payment arrangements, and I believe the only reason they are reporting a dollar payment is because it has been on my credit report for 6 years, in XX/XX/XXXX that would make the debt 7 years old which typical falls off. This company falsely reported inaccurate information, and I am requesting that they delete it from all three credit reports. Thanks
06/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77054	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
09/02/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	LA 708XX	Web
The payday loan amount was debt from the checking account on XX/XX/2019 for XXXX. However XXXX XXXX sent the debts to Add Astra Recovery Services Inc for collection. I sent them my bank statement last year and again on XXXX XXXX showing that the payment was payed and no refund was given. I also spoke with bank on XXXX XXXX and they went back on my account from XX/XX/2019 until the present and no refund was showed. I contacted both companies and has been unsuccessful nobody want return calls. I refused to pay this bill again.
05/09/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OR 97233	Web
I filed for chapter XXXX bankruptcy in XX/XX/XXXX and all debt was discharged as of XX/XX/XXXX. Ad Astra Recovery Services had listed my account as being in active collections on XX/XX/XXXX despite knowing that the debt had been discharged. I disputed it and they removed it from my account on XX/XX/XXXX. Once the claim was closed they immediately re-listed it on my credit report again on XX/XX/XXXX as being in active collections. I have notified my attorney of the fraudulent activity in preparation to pursue legal action.
07/31/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	ID 83705	Web	Servicemember
I sent them my FTC fraud affidavit package and told them that I did not get a payday loan, because I have been unemployed and getting VA benefits for many years now, and I never had a checking account since I was XXXX years old. I have no checking or savings accounts and no checks. I suspect that someone stole my I.D . sometime when I lost my ID many tines when I was homeless living on the streets. But, they said they do not believe me and will continue collecting and will file a lawsuit against me for writing bad checks.
07/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92707	Web
AD ASTRA RECOVERY SERVICES This compnay appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, AD SATRA RECOVERY SERVICES is certainly one of them. I was recently in a XXXX XXXX because of my health contions and now to see a collection company trying to put me back in the hospital again. This is not an my account and I demand that it be removed.
04/16/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75042	Web
After repeated calls from a blocked number to a personal reference from my application, my brother answered the call. He was told by the agent that he should contact me to tell me that there were charges/complaints being charged against me for this account. Speaking to a third party about anything more than contact information is in violation of debt collection laws. I called the number and spoke with an agent. When I asked about the call to my brother they stated they could share any information they had with anyone.
06/11/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	LA 70126	Web
I recently pulled my credit file and I realized XXXX XXXX was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from XXXX XXXX and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
08/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76039	Web	Servicemember
Ad Astra Recovery is reporting an amount of {$1200.00} on all three CB 's since XXXX 2014. I do not and have never had a contract with this collection agency, neither written or verbal. I have called and written them a number of times with no validated response. I was told they collect on behalf of XXXX. In 2014 I was XXXX XXXX and I have never had a loan with XXXX either. We were forbidden to do so. I informed them of that as well and stressed to them the strain that this account is putting on my credit and my life.
07/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 75228	Web
My account with AD ASTRA RECOVERY SERVICES, INC. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89431	Web
This Company is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet. I never received any information validating this is my debt. I have filed a complaint with Attorney General office, CFPB a BBB.
02/09/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 94605	Web
They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.
10/03/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	AZ 85085	Web
This company ( AD Astra Recovery Serv ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$6300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
09/11/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 79905	Web
Original date of loan was XX/XX/2018 with the lender being XXXX XXXX XXXX. When I was approved it was for {$500.00}. After the loan was already on the way to my bank I was informed the payoff would be over {$1800.00}. I was furious about the deception of this preditory lenders and tried to return the money. I was informed to bad to late. After some auto electronic drafts against my bank I tried to reach an agreement with the lender. They refused. These lenders prey on the desperate with deceptive practices. .
09/09/2020	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	OH 45230	Web
RE ; XXXX XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 XXXX XXXXXXXX XXXX CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent student and hardworking as I was also a victim of identity theft when my car was stolen in LA last XXXX with everything loss and I faced huge financial hit with struggles. I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.
03/14/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company Ad Astra Recovery Services , Inc. is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!
09/24/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89031	Web
AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts for two pay day loans of {$660.00} and {$1200.00} on XX/XX/2013. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
05/27/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
Continued attempts to collect debt not owed. The original creditor states that my complaint does not belong to them. I never received prior written notification of this debt giving me a right to dispute this debt. I have reason to believe that this debt is tied to an address I never lived at. The law states that you must report accurate information and give me written notification in which you did not do. I never received written notification because you do not have a valid and accurate address for me.
09/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92663	Web
Company never sent letter to advise me of this supposed debt. I found out about this from pulling a copy of my credit report ( s ). I have never heard of or have done business with the original creditor as stated on my credit report ( s ) by this collection agency. I have attempted to obtain information on the original creditor and it appears to be a " Pay Day Loan '' type of business. I have never needed or used the services of a Pay Day Loan or Cash Advance type of company. This debt is absurd.
08/27/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 37075	Web
Collection account reported to credit bureaus on XX/XX/2020 after bankruptcy was filed on XX/XX/2020. Per Complaint # XXXX, It is Ad Astras policy to wait until the approval of the discharge associated with the chapter XXXX bankruptcy, before requesting a deletion from the credit reporting agencies and returning the account to our client. The bankruptcy has been discharged. Please remove this collection account from all three credit bureaus promptly. Your cooperation will be greatly appreciated.
08/05/2016	Yes	Payday loan	Charged fees or interest I didn't expect	LA 70810	Web
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2014 I noticed a collection on my credit reports from XXXX XXXX XXXX for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
08/05/2016	Yes	Payday loan	Charged fees or interest I didn't expect	LA 70810	Web
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2014 I noticed a collection on my credit reports from XXXX XXXX XXXX for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
09/30/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77040	Web
Ad Astra at number XXXX repeatedly called my cell phone and my work phone between XXXX and XXXX on X/XX/2017. They do not disclose who they are and was very rude when asked to call after work hours. I asked if there was a call back number and was told " we need an account number from you to settle this debt or we would have to pursue you in court and file criminal charges. '' The agent was very degrading and belligerent. When they called my employer and was placed on hold they immediately hung up.
07/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75024	Web
I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from XXXX XXXX XXXX in XXXX, Kansas. The account went to a collection agency, Ad Astra Recovery Services, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX and placed a security alert on my accounts.
11/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
This company is unknown to me. I dont have a personal, professional or financial relationship or responsibilities with them. I have never signed any documents agreeing to a financial account with them. The derogatory remarks that are being left on my credit reports are degrading and unfair. If this company has any information about me, it is unverifiable and in non valid. I want this detrimental information removed from my credit information from each of the major credit bureaus as soon possible.
11/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
In XX/XX/XXXX a first account was taken out in my name but paid! XX/XX/XXXX a second XXXX XXXX XXXX for the amount of XXXX was taken out in my name fraudulently. I was at the time XXXX in the XXXX XXXX of the United States of America Starting XX/XX/XXXX and XX/XX/XXXX Which leaves me unable to have opened either of the above stated accounts! i have contacted all parties of this matter and no actions have been taken! AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
08/27/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web
Ad Astra Recovery has a negative collection item on my credit report reporting since XX/XX/15. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.
11/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70805	Web
I checked my credit report in XX/XX/XXXX. I saw a from AD Astra saying it was owed to a company name XXXX XXXX in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXXcertified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
04/21/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 752XX	Web
AD Astra is a ttempting to collect a debt on behalf of XXXX XXXX . I did not receive a right to dispute the alleged debt . I sent Ad Astra a validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on XXXX / XXXX / 2017 asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43223	Web
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, AD ASTRA RECOVERY SERVIC # XXXX, XXXX XXXX XXXX # XXXX.
11/04/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 76016	Web
I never received any documents or email to validate this debt.I just started receiving phone calls saying i will have a warrent for my arrest and they were sueing me and one of my references who was not even part of the loan.just a reference..they kept calling the reference disclosing information and threatening them after my phone number was changed.i tried to explaine the reference did not have anything to do with it they just hang up on me, then call back the next day in the same manner
04/05/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 77084	Web
Ad astra recovery a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was discharged on XXXX 2014. Both company knowingly it was discharged and can not be collected but still trying to do so. Ad Astra recovery illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX discharged bankruptcy code. They need to remove the collection off my credit report immediately. Thank you
01/06/2017	Yes	Payday loan	Can't contact lender	TX 77004	Web
A debt has been sold, original creditor is not on my report and I can not get in contact about the inaccurate information. However I was called several times in the last 6 months with someone pretending to be from the XXXX XXXX XXXX 's office threatening to have me arrested at my place of employment over these XXXX negatives that appear on my credit report. I also received some emails about this debt stating that I am currently in court for this but I was never served by any courthouse.
07/13/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TN 38109	Web
I have disputed this debt with XXXX and AD ASTRA.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.Ad Astra only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
06/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89134	Web
XX/XX/XXXX I signed up for a XXXX account. It showed " Ad Astra Recovery Servic '' twice under collections for a total of {$260.00}. I sent this company a written notice because I've never signed a contract with them or the original creditor. My credit should've been blank ( considering I've never used it ). Please remove this account from my credit report as soon as possible. It is not XX/XX/2019 and I've not received a response from the company regarding it. Thank you and XXXX Bless
10/20/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 932XX	Web	Servicemember
I started receiving calls from Ad Astra on XX/XX/2018. My cell phone logged 17 calls and 3 letters. I spoke to them and wrote to them explaining I am on XXXX which makes my income exempt from collections. The company that sold them the debt knew that and they should go after them for selling them an uncollectible debt. They then placed it on my credit report in XXXX and so far haven't removed it after I asked them to. I have no assets that they can seize so they are wasting their time.
08/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77044	Web	Servicemember
AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting.
11/02/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 76016	Web
I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay
07/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 760XX	Web
I am filing this dispute in response to Ad Astra providing FALSE information to the Consumer Financial Protection Bureau on complaint XXXX dated XXXX2017, For 4 years I have disputed Ad Astras right to report and collect alleged debt. For 4 years Ad Astra has falsified dates. For 4 years XXXX has allowed Ad Astra to report and has not properly investigated dispute. XXXX and XXXX do NOT report only XXXX. I have ATTACHED a letter with a timeline and with proof of the inaccurate dates.
01/11/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN XXXXX	Web
Original complaint submitted by me via CFPB on XX/XX/XXXX. Ad Astra responded for a XXXX XXXX on XX/XX/XXXX via CFPB. Second complaint filed via CFPB by me on XX/XX/XXXX. Ad Astra responded on XX/XX/XXXX that " In acknowledgement of this dispute, we have requested the account be reported with consumer reporting agencies as disputed. The account was placed in a do not contact status per the ongoing dispute. '' I am requesting this account to be removed during this on going dispute.
04/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	TX 752XX	Web
This company AD Astra Recovery .The amount should be zero.It was paid off .But they did not take off my credit. And stay they sold to there company And other is a fault. I never use the company and do n't on came on my credit score. An d you see that they has same number XXXX XXXX XXXX XXXX XXXX account number XXXX and other a ccount number is XXXX .And they have been try to same account number but change the number.This have been going on for over ten years or more
01/21/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Ad Astra Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
12/20/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	TX 78247	Web
DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
06/11/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	AL 35235	Web
This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.
04/11/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63376	Web
I noticed this new collection on my credit. I called to find about what it was about spoke with XXXX & he told me this was a online payday loan. I have never received anything regarding this fraudulent account. I advised the collector this isn't my account I had also been a victim of fraud & I need this removed from my credit immediately. I have never received any calls or mail. No validation with my signature as required by the FDCPA. This is not my account I need this removed
10/24/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	LA 708XX	Web
This company which I hold NO CONTRACT with nor have received services from is reporting a collection account against my SSN in the amount of XXXX with XXXX, XXXX, XXXX XXXX reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
08/10/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MD 21040	Web
The Debt that I allegedly Owe has yet to be verified. Ad Astra Recovery is trying to collect on a debt that they purchased from another company ( XXXX XXXX ) and is now reporting the debt negatively on my credit profile because they are trying to collect on a debt that is not theirs to begin with. These actions have resulted in a collections account being reporting on my profile. These actions are illegal and needs attention because AD ASTRA RECOVERY has yet to follow the law.
09/17/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92807	Web
AD ASTRA RECOVERY representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$4700.00}
02/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN XXXXX	Web
I GOT A ALERT THAT A NEW ACCOUNT HAD BEEN ADDED TO MY CREDIT REPORT AND DISCOVERED A ACCOUNT FROM AD ASTRA RECOVERY SERVICE. THE ORIGINAL CREDITOR WAS XXXX XXXX FROM WHICH A ACCOUNT WAS OPENED ONLINE IN MY NAME. I CONTACTED THIS COMPANY AND TALKED TO THEM CONCERNING THAT MY ID AND TABLET HAD BEEN STOLEN FROM MY TRUCK AND A POLICE REPORT WAS FILED WITH XXXX XXXX PD. BOTH COMPANY 'S COULD CARE LESS AND DEMAND PAYMENT REGARDLESS OF THE FACT THE ACCOUNT WAS OPENED BY SOMEONE ELSE.
05/18/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	LA 70123	Web	Servicemember
This company keeps harassing me about a debt they claim I owe. I have provided them with an affidavit. There was a fraud alert on my credit report and somehow they keep saying that I need to prove to them that the debt is n't mine. I HAVE A FRAUD ALERT WHICH SHOULD HAVE FLAGGED THE ORIGINAL COMPANY SINCE IT WAS ON THERE WHEN WE MOVED BACK TO AMERICA, WHILE ON XXXX XXXX . Also I would n't have applied for a loan because service members and their families have special rules!
03/09/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 94605	Web
I paid the debt and submitted a dispute with the credit bureaus. I was told by the collection company that by submitting the dispute, they would have to re-open the debt. The reported the debt unpaid AFTER i paid it. This was XXXX. I reported them to cfpb and they immediately updated my credit file in all three bureaus to paid, this was in XX/XX/XXXX. Today, i checked my XXXX credit report and the balance was again {$310.00}!! This is pure retaliatory. They should be punished
06/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23324	Web
I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency multiple letters to validate/verify the debt and each request was ignored. They only continue to send letters asking that I pay the debt and continue to report to the credit agencies without any proper debt validation. I also disputed the account with the credit bureaus and the collection agency is replying that the debt is accurate without proper proof or validation.
10/30/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 77064	Web
I requested verification of XXXX debts XXXX XXXX and XXXX ) held by Ad Astra Recovery via certified mail upon learning that they had entered into collection status. i received no notice of the collection activity from Ad Astra ; I only received a letter offering me a payment plan option. Upon receipt of this letter, I checked my credit report and requested verification of both debts. To date I have received no verification and the debts continue to show on my credit report.
02/26/2018	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 Problem with personal statement of dispute	TX 77389	Web
NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
04/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63118	Web
On XX/XX/2018 a collection account was added to my report by an company known as AD Astra Recovery, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.
08/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web	Servicemember
I have disputed this account with XXXX, XXXX, and XXXX various times, so we 'll see what the Creditor has to say. Original Creditor XXXX XXXX XXXX XXXX XXXX ca. It 's not my account, I would like to see proof that it is, according to the Fair Credit Reporting Act I 'm entitled to proof that it 's mine. I want to see the contract with my signature on it. At the time when this supposedly happened I was in nurses care recovering from a major XXXX. Thank you for your time.
08/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76705	Web
I discovered this tradeline on my credit report listed by Ad Astra Recovery Services Inc. I sent them a dispute letter datedXX/XX/XXXX ( attached ). OnXX/XX/XXXXthey responded with this letter ( attached ). Nowhere in the documents provided do they prove I actually owe a debt. Nowhere is a contract bearing my signature or any proof they are even legally able to collect debt in Texas. Where the signature would be someone has typed in my name ( see attached, circled ).
09/24/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amt {$310.00}
01/31/2019	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	NV 89104	Web
XXXX has been non-compliant with removing the unverified account AD ASTRA RECOVERY SERVICES Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AD ASTRA RECOVERY SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
10/19/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77469	Web
I am frustrated Ad Astra Recovery Services because they continuously to report inaccurate information to the credit bureaus. I also have been disputing this inaccurate information for well over a year now and Ad Astra Recovery Services fail to delete this incorrect account from my credit report. Ad Astra Recovery Services also did not report this account to the credit bureaus as a disputed account, and that is a FDCPA violation and thats in FDCPA section 807 ( 8 ).
10/12/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	TX 76179	Web
I CONTACTED A 3RD PARTY COLLECTION AGENCY RECOVERY ACCOUNT # XXXX AND INFORMED THEM THIS WAS NOT MY ACCOUNT. INFORMED THEM THIS WAS MY EXWIFES ACCOUNT AND THEY REFUSE TO REMOVE THIS FROM MY CREDIT FILE. MY EX WIFE XXXX XXXX FILED A BK XXXX XXXX/XXXX/XXXX AND THIS ACCOUNT/ CREDITOR HAS BEEN INCLUDED IN HER PETITION AS A CREDITOR. MY EX SPOUSE XXXX XXXX HAS ACKNOWLEDGED THIS IS HER ACCOUNT AND THIS 3RD PARTY COMPANY CONTINUES TO HARRASS ME AND DAMAGE MY CREDIT FILE.
07/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	LA 71202	Web
I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.
12/06/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 76039	Web
Company continues to refuse to send me information which validates that this is my debt that I signed for. They continue to mail me XXXX documents ' stating that there is a account, but no other information is provided. When I pointed this out and pushed for validation of debt, they ignored me blatantly and tried to get me to file a police report citing fraud and identity theft, ignoring my request for validation. They are ignoring my right to validate my debt.
02/03/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92346	Web
I submitted a Dispute Letter to the company and according to them they are stating that the account belongs to me without verification of the debt whatsoever. In my dispute letter XXXX asked for specific information, of which they have failed to provide to me as per my request. I did not sign a contract with this company that binds them to me and me to them. So how can they state that I owe them any money? I DO NOT owe this debt to them as they are stating.
09/20/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NM 877XX	Web	Servicemember
File number XXXX. This company has been contacted, and cooperated with law enforcement concerning this load that originated as a result of identity theft. This company has had correspondence with me regarding this, but have asked specifically for a police report, which is not supplied in the case of identity theft such as this. Law enforcement explained this to them while serving subpoenas to them. They still placed this debt on my credit report fraudulently.
10/06/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76140	Web
Recently I checked my credit report due to all the credit bureau breaches and mishaps. Upon reviewing my credit report Ad Astra Recovery XXXX is listed on my credit report from 2012. I do not own this account and it is not mine. I have called Ad Astra to correct the incorrect info listed on my credit report to no avail. I have never received any written information from this company and I am being held financially accountable for an account that is not mine.
05/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL XXXXX	Web
Ad Astra Recovery Associates has placed an account on my credit report that I do n ot owe. I have never received anything in writing from this company nor have I ever seen a contract between the company and myself. I do not owe this debt, I am being held financially responsible for a bill I did not create. I have disputed this account multiple times asking for verification or proof of debt. I have yet to receive any type of information regarding the account.
03/25/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	AL 361XX	Web
I have previously disputed with this showing me that they have signed documentation that I owe them the said accounts. The only thing I have received is the uploaded information. This is not showing me that I 'm the person who has a signed contract with this company. They are stating they have reviewed the clients files, but no type of documentation was forwarded to me. I 'm requesting accounts ( both ) to be removed from all XXXX credit reporting agencies.
11/06/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AL 35007	Web
This company Astra Recovery is starting up there illegal tactics again calling and harassing me, my job and now my mother. I keep going through this with them and they keep stating there not contacting me, but this time they are and I have witnesses that is willing to provide a written statement and get it notarized if necessary along with there statements on how this company is portraying themselves as lawyers getting ready to sue me in the court of law.
10/19/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53207	Web
I have sent 2 letters to the payday loan company as well as to the debt collector company letting them know I never received a loan with their company and that my identity was stolen. Today I received a letter in the mail saying that the debt is valid. The debt is not valid, I never received a loan from this company and I never signed anything to receive a loan from this company. This company is trying to sue me for something that does not belong to me.
03/25/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77073	Web
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
01/08/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77396	Web
I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
01/07/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77088	Web
I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
11/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77086	Web
I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
11/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76018	Web
I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
05/31/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79902	Web
I have called ad astra recovery services and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.
01/08/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32277	Web
This collection is from XX/XX/2012 From Ad Astra rec collection / charger off in the amount of XXXX XXXX they very unpleasant this company should not be allowed to be involved with anything they yelled at me called me a lier and treated to have me put in jail and I would really like to see if this can get removed from my credit account because it's 7 years old and I have had to change my number just to avoid there very rude and unpleasant phone calls
10/26/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	OK 73013	Web
First off this company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
01/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
I requested debt validation with this company in my letter to them Dated XXXX XXXX, 2017. I have not received anything from them ever since. I am a victim of ID theft and this account was fraudulently opened by my ex-wife by forging my signature and using my personal information. I did not benefit in any way from this account. I already filed a police report and had a notarized FTC affidavit sent to this company today. Please see attached documents.
04/30/2017	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	IA 50322	Web
XXXX XXXX , 2016 {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
11/09/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Old information reappears or never goes away	CA 91784	Web
The original debt was with Payday loan. It was taken over with Ad Astra. I originally provided a fully filled out check for the pay back to Payday loan which they apparently did not cash. It was at least a couple of years before I realized I had a problem. And Astra is on my credit report as a judgement even though the statute in California is four years and has clearly been over for a while. When will this issue be removed from my credit report?
07/18/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 77598	Web
XX/XX/2018 I received noticed that I had a collection account from Ad Astra Recovery in the amount of {$1100.00} in regards to a XXXX XXXX. I have notified AD Astra that I am a victim of identity theft and the account that they hold under my name and social is indeed a result of identity theft. I did not authorize this account nor did I open this account. I have also never received written notification in regards to this account to dispute it.
12/28/2017	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 Problem with personal statement of dispute	TX 78223	Web
on XX/XX/XXXX I mailed a certified dispute letter to Ad Astra Rec., on XX/XX/XXXX the received the letter, XX/XX/XXXX they sent me a copy of the original loan agreement. On XX/XX/XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
08/10/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 397XX	Web
I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.
12/27/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 30135	Web
In late XXXX I noticed a debt collection on my credit report from AD ASTRA RECOVERY. When contacted to inquire about this unfamiliar account I was told it was for a payday in the state of Alabama. I have not lived in this state in nearly 10 years and assume this is an account opened that I did not authorize. I have been working diligently for the past 3 years to get this removed from my credit report as it is hindering my home buying process.
12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77521	Web
I was a victim of identity theft and noticed a collection from Ad Astra Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD Astra Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
05/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 852XX	Web
I informed the company that I filed bankruptcy on this debt. I was told that the debt would still be included on my credit report until they hear from my attorney saying that it was filed in the bankruptcy. I offered to give them my bankruptcy number the woman I spoke with told me she did n't need it she would deal with my attorney. My bankruptcy has now been XXXX but this collection account is still being reported on my XXXX credit report.
10/27/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	OK 73013	Web
This company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN XXXXX	Web
I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
06/25/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 75224	Web
AD ASTRA RECOVERY SERVICE FOR XXXX XXXX IN XXXX, TEXAS, THE TEXAS STATUS OF LIMITATION ON DEBT COLLECTION AGENCY IS 4 YEARS AND THIS DEBT IS 6 YRS 6 MONTHS, IT WAS REMOVE FROM XXXX CREDIT REPORT, XXXX CREDIT REPORT BUT XXXX WILL NOT REMOVE THIS COLLECTION AGENCY FROM MY CREDIT REPORT, I HAVE DISPUTED IN WRITING THAT THE TEXAS STATUS OF LIMITATION 4 YRS HAS EXPIRED THAT THE COLLECTION AGENCY SHOULD BE REMOVE FROM MY XXXX CREDIT REPORT.
12/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77449	Web
While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.
01/06/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75134	Web
Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with no results. In researching this company they do not have an office in Texas the state where I reside and are not a registered agent as required by TX Secretary of State and should be removed from all credit reporting agencies immediately.
04/18/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94015	Web
I was checking my credit and a listing showed up under collections. I am not aware of owing money or being behind or late on any payments. I have not received any notice, statements, emails or phone calls in the last 2 years of being late on any payments or owing any money. The claim that I owe {$310.00} was made on XX/XX/2015 . I do not recall purchasing anything remotely close to that value on XXXX day on that time.
03/29/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77079	Web
I am a victim of identity theft and noticed a collection from AD ASTRA. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
12/17/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76006	Web
I was a victim of identity theft and noticed a collection from Ad Astra I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ad Astra in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
03/27/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	LA 70115	Web
On XX/XX//19 I sent a letter to Ad Astra Recovery requesting validation ( Tracking number XXXX XXXX XXXX XXXX XXXX - USPS ) of the debt they are trying to collect ( account number XXXX ). I received a letter from then stating the debt is consistent with the information they received from their client. Attached was a contract that did NOT have my signature and only my name typed. This is not proper validation according to the law.
08/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53209	Web
Ad Astra reporting false information/unauthorized. Not aware of this debt I have reached out to them several times about this debt. Sends out a letter stating to be proof of debt with NO SIGNATURE! Then I recovered that they are a collection agency who brought this account from someone. Also NO credit bureau contacted me as I do have a fraud alert set on my credit reports. I would like taken if my credit report they CAN NOT validate.
11/24/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Web
AD ASTRA RECOVERY SERV Reports that I owe XXXX to their company due to a unpaid payday loan from 2016. In XXXX, I asked AD ASTRA RECOVERY SERV to validate the debt and provided my mailing address. In the paper work attached it just show loan amounts there is no signature nor ID attached to the document proving that this is my debt. AD ASTRA RECOVERY SERV is still asking my to pay this debt and its on all three of my credit reports.
12/19/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Reporting company used your report improperly	TX 78247	Web
Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! XX/XX/XXXX{$650.00} Paid off in store! Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89431	Web
XXXX XXXX is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
03/29/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77545	Web
Contacted this agency to let them know one the amount that they were trying to collect was wrong. That I never received an amount close to that and that some of what I did receive was paid already. They did not want to here that and told me I had to pay all or nothing. Just dispute it. Which I have done to no avail. The amount is wrong and is almost double. I asked for a settlement and they said the settlement is the whole amount.
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 Ad Astra Recovery Services Inc. 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.
02/26/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91977	Web
I have repeatedly requested that Ad Astra Recovery Services Inc. 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.
01/06/2016	Yes	Payday loan	Received a loan I didn't apply for	TX 75243	Web
This activity was due to identity theft. I have sent over XXXX letters to the collection agency via my attorney demanding verification of debt ( loan documents, copy of check used for the loan, etc. ) and they have yet to send me anything. My complaint is that they have re-aged the debt several times over the past two years which adds time to it 's removal from my credit report. It 's my belief that they are doing this illegally.
05/22/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TN 38125	Web
Ad astra recovery is listed on all XXXX of my credit reports as a collection account. Ive contacte d Ad Astra and as ked for them to provide documentation that validates the account and was told they ca n't provide me any paperwork. I proceeded to ask that the account is deleted and they refused to update my credit file. Under the FC RA 15 U.S.C. [ 1681i ] all un verified accounts must be deleted from each credit report.
04/07/2017	Yes	Credit reporting	Incorrect information on credit report Account status	UT 84041	Web
I have been in a XXXX XXXX since XXXX 2015, all of my creditors except one has updated my information on my credit report. Ad Astra Recovery refuses to update the information with XXXX and I have spoken to them several times. I have tried to submit proof to them of my XXXX but they refuse to let me speak to someone who will correct the information. Page 17 of the document I uploaded clearly shows Ad Astra Recovery as a creditor.
05/19/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 75243	Web
The principal on this debt was paid directly to original creditor XXXX XXXX . Balance represents interest and i s three times th e amount of the loan. It is illegal to report pay day loans to credit bureaus in Texas. Ad Astra ignored by request to find out if they are licensed to collect in Texas. Ad Astra s aid they have new information on me that confirms the debt, but did not provide me with that information.
04/14/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 77021	Web
I submitted a debt validation request to Ad Astra Recovery on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that Ad Astra Recovery refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.
10/02/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 77523	Web
This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.
09/05/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	VA 23434	Web
I currently have a credit monitoring service. I was alerted that the company Ad Astra Recovery Service reported a decreased my balance by {$1.00}. I have idea who this company is and have not received any correspondence via mail or email from them. They are reporting that the balance was reduced by {$1.00} but I have not paid this company anything. It is really unfair for them to be reporting on my credit report like this.
04/19/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77016	Web
Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery validate the debt but to no avail. I have received threating phone calls from debt collectors on my job and after XXXX XXXX XXXX t. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
02/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94610	Web
I have an account on my credit report for AD Astra Recovery but I don't remember ever having an account with this company nor the original creditor, XXXX XXXX. I want the company, AD Astra Recovery to produce me a copy of my original contract with them and XXXX XXXX, proving this account actually does belong to me. They need to produce me a copy or remove this account from my credit report and stop all collections.
09/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	OH 43204	Web
I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from Ad Adstra Recovery Services. Ad Adstra is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this XXXX acct. As result, Ad Adstra is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
08/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93274	Web
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.
02/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43068	Web
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX # XXXX, AD ASTRA RECOVERY # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
01/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77070	Web
I pulled my credit report and on it was listed a Judgement in the amount of XXXX for ADastra for a loan through XXXX. I have no idea what this debt is I have contacted the company as well as submitted XXXX disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.
12/20/2016	Yes	Payday loan	Can't contact lender	PA 152XX	Web	Servicemember
last year i was something inaccurate on my cbr and i contacted this creditor to get this resolved i sent them a copy of a police report and a letter stating this was identity theft. They are now asking for me to submit this info to the support desk at XXXX but its not working when i contacted the company they were extremely rude and would n't provide a alternative to submit my police report for this fraudulent claim
12/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TN 38134	Web
There is an account on my credit reports from a company called AD ASTRA RECOVERY SERVICES ( acct # XXXX ). They are claiming that I owe them. I have not received any notification that I owe them, nor have I signed ANY documents allowing them to have any of my personal information. I have tried to work with the credit bureaus but they have failed to provide me with a document that I signed in regards to this account.
12/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TN 38134	Web
There is an account on my credit reports from a company called AD ASTRA RECOVERY SERVICES ( acct # XXXX ). They are claiming that I owe them. I have not received any notification that I owe them, nor have I signed ANY documents allowing them to have any of my personal information. I have tried to work with the credit bureaus but they have failed to provide me with a document that I signed in regards to this account.
04/04/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 77375	Web
Ad Astra Recovery and XXXX XXXX sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report XXXX XXXX XXXX I was called a man name XXXX XXXX stating he was coming to my home and serving me in XXXX XXXX. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit
06/18/2019	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	CA 90302	Web
I recently tired to repair my credit I had items removed and some wasnt meaning removed from two credit bureaus but which was XXXX and XXXX but for some reason still appearing on XXXX did a dispute still coming back verify but I have documents thats it been deleted from the other two credit bureaus. Account : XXXX XXXXXXXX XXXX XXXX # XXXX amount : {$310.00} address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , KS XXXX
04/19/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77016	Web
Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery v alidate the debt but to no avail. I have received threating phone calls from deb t collectors on my job and afte r 9 at night. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
08/31/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NY 13090	Web	Servicemember
This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for XXXX XXXX. This collection agency continues to try to collect and has put negative information on my report.
05/31/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IN 475XX	Web
I had an installment loan that I got behind on back in XX/XX/XXXX. It went to an in-house collection agency. I paid in full during the XX/XX/XXXX. Since then, the collection angency has failed to update information correctly on my credit reports. The have incorrectly reported my XXXX date if delinquency, which could lead to the satisfied negative account to stay on my credit files past the XXXX year legal mark.
07/25/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 919XX	Web
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX to investigate and verify the account. The account still shows derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was not being truthful. The payment history is showing unknown therefore it is an unverified account reporting to my credit report.
04/19/2017	Yes	Payday loan	Received a loan I didn't apply for	CA 95621	Web	Servicemember
I was notified that I had taken out a loan, tried to fight it with the vendor and eventually just paid it to get it off my credit. It is still on my report and I want it removed. The above reason does n't accurately describe it. I did not ask for the loan or receive it. Ad Astra originally said if paid the account would be removed but now said they will only remove it if I file a complaint. Please advise.
05/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web
I reviewed my credit file late XXXX XXXX and there is an account reported by AD Astra Services. I sent a request to the company to verified this debt. I received typed document that have no identifying information that ties this debt to me. The account is showing paid ; however, this company has not provided me with the legal supporting documents that is related to this account and how it was paid.
05/02/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 792XX	Web
There's a collection from ad Astra ( XXXX XXXX ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about
08/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60653	Web
On XX/XX/2018 and XX/XX/2018 I notice AD ASTRA RECOVERY SERVICES balance {$330.00} on my XXXX XXXX XXXX XXXX credit report. I faxed over a letter requesting a contract bearing my signature to support this claim. I do not recall any account with this company. I would like this account remove due to the company failure to provide me with verification agreeing to this account with AD ASTRA RECOVERY SERVICES.
07/06/2018	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 Was not notified of investigation status or results	TX 77044	Web
To Whom It May Concern, The reason for me filing this complaint is due to AD Astra Recovery Service failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
03/26/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95111	Web	Older American
TO DAY XX/XX/2018. I WANT TO TELL YOU THAT TO PAYDAY LOAN COLLECT FROM XXXX XXXX XXXX XXXX .THEY HAVE AN ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX .PHONE # XXXX. THEY HAD TO REPORT TO CREDIT REPORTING AGENCIES. I NEVER HAD TO PAYDAY LOAN BEFORE. AND THIS COLLECT WAS HAVING MORE WRONG AS SUCH AS NAME, SS #, ID, AND SO ON. I NEED YOU HELP ME TO CONTRACT THEM TO FIX MY TROUBLE THIS. THANKS.
05/30/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77073	Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against? AD ASTRA RECOVERY f or reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
06/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77450	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
05/10/2019	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	LA 70816	Web
On XX/XX/2019 I made a payment to clear a past due account that was through XXXX XXXX but was sent to Ad Astra Recovery Services as an account in collections. Upon my payment Ad Astra Recovery Services promised to have the collection account removed from my credit reports in 30 days. Today is XX/XX/2019, 37 days later. The collection accounts have been removed from XXXX & XXXX but still remain on XXXX.
08/21/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I did not receive any notification that this debt was sold to AD Astra Recovery Services nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX 2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).
04/03/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24401	Web
A loan was taken out from a company called XXXX. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to Ad Astra collection agency which I disputed explained the loan was illegal and not enforceable. Ad Astra then placed a collection on my credit report which is illegal.
04/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38127	Web
Date : XX/XX/2017 Amount : {$570.00} I received the loan for a friend, and she promised me that he will keep up with the payments so I will not have this on my credit, but she never paid me back. As I check my credit I see that the debt was closed and have been closed for months and I want this deleted off of my credit. I tried contacting the company but they will not remove the deleted account off.
03/03/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 77083	Web
Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.
06/19/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20171	Web
I had a debt collection from Ad Astra Recovery ( original creditor XXXX XXXX ) reported on my credit reports 0n XX/XX/2019. I have no recollection of this account and it was a result of identity theft. The amount owed shown is {$1700.00}. This account is not mine and I have talked to all 3 credit bureaus and they request that I fill out an affidavit form stating this was a result of identity theft.
12/20/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76227	Web
Ad Astra claimed they have sent documentation and as of this date there has not been anything delivered. I have even checked with the post office and they do not have anything. I am requesting a deletion of this account from all 3 credit bureaus. I have even requested two times about a pay for delete and in no way am I acknowledging this is my account. I just want it removed from my credit reports.
08/03/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89117	Web
AD ASTRA RECOVERY SE ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft.
08/24/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	KS 661XX	Web
XXXX XXXX opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are Ad Astra Recovery Service I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
04/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77498	Web
I was checking my credit report and I noticed that I have an item on there from AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX I am not aware of what this debt is related to but I have researched the company to see whom there are associated with. They have placed a debt/item on my Credit reports in the amount of {$4000.00} for a debt in which I do not own.
07/24/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	LA 70791	Web
I pulled my credit file and saw I had XXXX ( XXXX ) collection item from Ad Astra Recovery Services. The creditor is XXXX XXXX XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XX/XX/2013. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
02/14/2017	Yes	Credit reporting	Incorrect information on credit report Account status	TX 75104	Web
This account was paid in full on XXXX XXXX, 2016 with a promise to " Pay to Delete '' from XXXX. I have disputed and talk to several employees regarding deletion of this account ( not updated ) from ALL credit reporting agencies. I am only asking that it is deleted immediately due to meeting all my obligations to pay what 's owed on this account. Thanks for your help in this urgent matter.
03/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77388	Web
They are saying that i owe this debt, that they say i owe them. I have send " General Affidavits '' to them as well, and asked them to send me my signature baring that i owe them, they can not provide proof of contract stating that i owe them.I am seeking out a lawyer on this situation. Its has ruined my credit, all because of them not validating what i have requested for them to send me.
04/04/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75077	Web
I had a collection debt with XXXX that was being reported on my credit report by a collection agency named Ad Astra. In XX/XX/XXXX, I contacted Ad Astra and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, Ad Astra is still reporting that I owe {$480.00} to XXXX XXXX, even though I settled this debt two months ago.
01/25/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 352XX	Web
I spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.
07/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95829	Web
I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the XXXX, contacted credit bureaus, and contacted the company. AD ASTRA RECOVERYXXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.
03/04/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 44129	Web
ad astra services, this is the collection agency i contacted regarding this amount i saw on my credit report, i received the number from XXXX, and XXXX XXXX.i spoke with the collection agency, they put a dispute in also. their contact info is as follows ad astra services XXXX, kansas XXXX i spoke to them today after i saw this on my credit report, i have no knowledge of this account.
02/23/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	LA 70501	Web
" Contract was cancelled '' " NO CONTRACT '' Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX XXXX XXXX, XXXX ). This was cashed on XXXX/XXXX/2017 and the account has not been removed from all XXXX bureaus as of today.
10/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 802XX	Web
I had a loan from a XXXX XXXX place that i paid back and somehow they reported it and sold a loan amount to a collection company only now it is twice as much. I have attempted to get the company to confirm the debt and where the charges are coming from as well as show the payment that i made but it it has not helped. Please help me as this is doing extreme damage to my credit report
08/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77072	Web
AD ADSTRA RECOVERY SERVICE ( XXXX XXXX ) I DONT RECALL HAVING ANY PAYDAY LOANS WITH THIS COMPANY I HAVE FILED A COMPLANT WITH THE BBB AND EVEN CONTACTED THE COMPANY. YHAT ARE INSEASTING THAT I OWE THE A BLANCE OF XXXX $ when I 've never taken out a payday loan with the company. I did take out a title loan which was paid in full because I received the title and later re sold that suv
11/02/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	IL 60201	Web
I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with Ad Astra, never signed a contract nor do i owe them any money
12/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
To whom this may concern, there is a company by the name of Ad Astra Recovery Service that is reporting to the credit bureaus that I owe them for an amount of {$310.00}. I have no knowledge of this account. I have disputed with this company on multiple occasions and this still remains on my credit report. This is damaging my credit score that I am working to keep in good standing.
09/07/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78207	Web
I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Ad Astra Recovery. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XX/XX/XXXX and I have not received a response to date.
02/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75230	Web
The problem with the company is I have paid what they told me to pay at the beginning of the instalment loan. I have paid the amount they requested but they kept on withdrawing my bank account and added interest. After I spoke with several of the representatives and bot abke to resolve the issue they put a balance that should not have been there in the first place on my credit
01/14/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95608	Web
Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.
05/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78741	Web
I checked my credit on a free website called XXXX XXXX and i noticed a some negative collection agencies i know nothing about ... Tried contacting agency but so far i havent been able to reach anyone to fix this the issue ... I have been trying to apply for a bank account and start my credit but since the negative account are on there i have being denied credit ....
03/09/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XX/XX/XXXX - Dispute letter to collection XX/XX/XXXX - Validation letter to collection XX/XX/XXXX - 2nd Validation letter to collection XX/XX/XXXX - 3rd Validation letter to collection XX/XX/XXXX - {$32.00} INS fee from my bank for a {$930.00} check # XXXX from collection XX/XX/XXXX - CEASE & DESIST letter to collection ; XXXX Complaint and Kansas AG Consumer Complaint.
03/08/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63376	Web
I was reviewing my credit report and found this on my credit. I do not have a account with Ad Astra Recovery which is reporting on my credit I am requesting this removed This is a violation of the fair reporting act I have no con ract with this company or there client. I wasn't even given any validation. /this is fraud I have no knowledge of this account. please delete.
08/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90042	Web
I called to work out a settlement offer and the company said I have to contact progressive insurance to work out a settlement. This can not be done because it was passed on to the collection agency already. My rights allow me a settlement to fix this debt. Ad Astra only gives me option to pay in full. I called them XX/XX/2019. The amount is {$610.00} for XXXX XXXX XXXX.
02/17/2018	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TN 381XX	Web
Ad Astra Recovery Services is currently reporting on my credit reports for XXXX XXXX, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with Ad Astra and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
11/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90028	Web
I sent in documentation to this company to dispute The start it included a copy of a police report and the federal identity theft affidavit I sent this to the company in XXXX of this year XXXX of this year XXXX of this year. Each time they respond that they believe the data is mine and they wont remove it from my credit report and they still reported on my credit report
07/31/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 75010	Web	Servicemember
XXXX XXXX sold my file to AD Astra Recovery Services. This was paid and has been disputed with AD Astra several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
11/18/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89166	Web	Servicemember
I contacted the company to whom the debt was old and was told they no longer had the debt that it was with an agency. I tried to dispute it with all 3 credit bureaus because the debt is over 6 years old and was told it would remain on my credit and my credit would be damaged forever and they would not remove i the guy laughed at me and said I should be more responsible
09/26/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 75093	Web
AD ASTRA is containing to report a fraudulent account to my XXXX credit report. I have letters and documentation stating that the account is not mine and that they would be removing it from all XXXX bureaus. They had removed it at one point, but have recently pout it back on. This is breaking the law in so many wat=ys. Once an account is removed it can not be put back.
01/21/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75237	Web	Servicemember
I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.
01/19/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	HI 967XX	Web
I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.
11/22/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77079	Web
I have no recollection of this collection.AD astra recovery. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
09/09/2016	Yes	Credit reporting	Incorrect information on credit report Account status	OH 443XX	Web
I had applied for a loan and allready paid the amount through the customer service. Now i see a negative credit remark on my credit score and an amount due which has already been paid long time ago. I had been harassed with calls and mails to my address. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet
05/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94550	Web
I got two pieces of mail where they were trying to collect debt that I owed. I called the number on the letter and told them that I applied for that loan and that it was a result of someone using my identity. They disregarded my calls and said that I had to pay them. I am not paying something that I do not owe because it was not me who applied for those loans.
06/17/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not disclosed as an attempt to collect	NV 89108	Web
I have received numerous phone calls / voicemails from XXXX. They never identified themselves, said why they were calling, only saying that it was a personal business matter and refused any other information and kept insisting that I identify myself. I hung up on them several times and they kept calling. I also never received notice of right to dispute either.
09/25/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	CA 90025	Web
I took out a loan from XXXX XXXX in the amount of {$300.00} and it went unpaid and this is from 2009. The debt was sold to a collection agency and they reported negative information to my credit profile. According to the FCRA all debts can only be reported for 7 years and I have written numerous letters and the are refusing to remove the negative information.
12/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web
Multiple times I have contacted all 3 credit bureaus XXXX, XXXX, XXXX about the false collections showing on my credit for XXXX XXXX through a collection company called Ad Astra Recovery Service for XXXX. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.
02/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 784XX	Web
After pulling a copy of my credit report i notice that this company is reporting on my credit report and reporting some inaccurate not proven compliant misinformation and i request that this account immediately be removed from my credit report. i disputed this with the credit bureau as well and has uploaded a copy of my letter attaching it to this complaint.
01/24/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 76134	Web
I have a charge for {$500.00} from Ad Astra ( a collection agency ). I have been a victim of identity theft. I never applied for this loan. I have made this clear to this company. But they demand payment. Ive even asked if I settled if theyd delete it from my credit report. Ive attempted to have this taken care of. Yet, this company refuses to work with me.
11/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77630	Web
This company continues to report information to the credit bureaus that is not mine. The information on the reports belongs to a person named XXXX XXXX XXXX, and I am XXXX XXXX. This is not my account. I have written to this company and called as well. I have not received any correspondence to validate/verify this debt is mine. I feel this is my last step.
05/26/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78660	Web	Servicemember
I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. Thank you, XXXX XXXX
08/07/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 360XX	Web
I filed for Chapter XXXX in XX/XX/2018 and the debt that was owed to XXXX XXXX was included in my case, XXXX # XXXX. XXXX XXXX did not send a representative to the Meeting of the Creditors and I was granted a XXXX in XX/XX/2018. Earlier today I received notification from XXXX XXXX that a collection was added to my credit report in the amount of {$560.00}.
11/21/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 750XX	Web
I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.
10/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78249	Web	Servicemember
hi i dont know who is the creditor and i have this account on my profile show a balance of {$490.00}, ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX
12/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
I received notification today that a collection was added to my credit report in the amount of {$520.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
05/01/2019	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 Problem with personal statement of dispute	KS 676XX	Web
COMPANY REPORTING FRAUD ACCOUNT ON CREDIT FILE WITH ALL CRA. THIS IS NOT MINE AND, AND I HAVE NEVER DONE BUSINESS WITH CLIENT/ COMPANY, FRAUD AFFIDAVIT FILED WITH FTC CASE # XXXX ID FRAUD, SAME ACCOUNT DATA REPORTED 3X WITH 3 DIFFERENT COMPANIES DEMANDING SAME PAYMENT OF {$280.00}. COMPANY VIOLATED " FDCPA, FCBA AND FCRA '' Account Number:XXXX-XXXX-XXXX
07/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with XXXX XXXX they told me I signed so I have to pay.
12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92782	Web
Creditor Information AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over XXXX days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
02/25/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 91311	Web
Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.
09/12/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 93458	Web
I received a called from this company, They say a Attorney that was in charge of this account was ready to file, if no payment was made. I send a request to this agency for a Validation of the account since they are not the original creditors and I request a break down of fees and they fail to provide proper documents and or prove for there claim.
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77471	Web
On XX/XX/2020, in the amount of {$1500.00} to XXXX XXXX XXXX XXXX. I paid for deletion and it is still on my credit report saying unpaid. On XX/XX/2020, in the amount of {$700.00} to Ad Astra. I paid for deletion and it is still on my credit report as unpaid. I have contacted the companies and all I get is a hold on then they hang up.
02/23/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 45044	Web
I was taken a look at my XXXX and I see I have a collection debt account for {$480.00} from AD ASTRA RECOVERY SERVICES for XXXX I have no knowledge of this company account with AD ASTRA RECOVERY SERVICES for XXXX XXXX taken in XX/XX/2017 This collection on my credit report is hurting my credit score and I would like it removed permanently
06/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30052	Web
I have disputed the Ad Astra Recovery Services with XXXX and XXXX stated that they verified this information. I do n't understand how can they verify an account that do not belong to me. This account was open as a result of identity theft or they insert this account on my credit file. I need your assistance in getting this matter resolved.
05/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80219	Web
I guess i owe about 500 in debt collector expenses but i don't remember when or where i got it its about to be 1 year and 2 months old and i don't work i just got my medical bills waiver and this is still effecting my credit i haven't gotten any letters from the company till i checked my credit score and it been sitting there since help
05/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77545	Web
Ad Astra Recovery Service XXXX XXXX 2013 Origional Creditor Name XXXX XXXX XXXX XXXX XXXX I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to XXXX XXXX which the name do no match up in the Account.
08/17/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 94804	Web
I had a loan for a XXXX XXXX at XXXX XXXX I lost my job and fell behind. I got another job and they had already sold it to AD ASTRA RECOVERY. I paid them XXXX now Ad Astra refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
04/18/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI 53045	Web
I took out this loan in summer of 2017. I dont know dates or even the amount that I originally took out. Honestly, I took it out and I do owe it. Unfortunately, I can't pay it back and never should have taken it out. I am on Social Security XXXX now and am on a very limited income. I have no financial means to even do small payments.
09/08/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY
08/14/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77086	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY
05/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77545	Web
Ad Astra Recovery Service XXXX XXXX 2 013 Origional Creditor Name XXXX XXXX XXXX XXXX I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to XXXX XXXX which the name do no match up in the Account.
02/09/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 77388	Web
They say i owe this debt, but they can not provide me proof of my whole, Social Security number or even baring my full signature, and have not provided me with an agreement between me their establishment. I sent them a validation letter but they provided me with a computer generated report of transactions which may not be accurate.
05/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90004	Web
An account was fraudulently opened with XXXX by an identity thief and the debt was turned over to Ad Astra debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.
03/19/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
I contacted AD ASTRA RECOVERY on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.
11/04/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75240	Web
Over the past few months, I have reviewed my credit reports and notice XXXX entries on them from Ad Astra Recovery. I have reached out to them several times demanding documentation ( application, proof of identity, signature pages, etc ... ). No documentation has been received, but yet the entries are still on my credit reports.
09/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	CO 802XX	Web
I have tried to contact this company and showed them with court documents showing i was incarcerated during the time someone used my identity to open this account it is not mine i was in jail and to remove this due to the fact its not mine i was in jail i provided them with the court documents and they still will not remove it.
09/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 93534	Web	Servicemember
We contacted the company AD Astra as soon as this showed on my credit report, even sending copies of the plane ticket that showed that the time and date the loan was allpied for and approved, I was on a flight to Washington state. They still refuse to remove this from my credit, even after being given proof that this was fraud.
01/02/2017	Yes	Payday loan	Can't contact lender	CA 914XX	Web
AD ASTRA RECOVERY SERVICES is an in-house collections company owned and used by XXXX ( XXXX ) Unless I am mistaken, Payday Lenders are not permitted to report derogatory information to the XXXX credit bureau agencies They have reported information of an alleged debt to the XXXX credit agencies which, in turn destroyed my credit
07/06/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	LA 704XX	Web
Notice this collection agency on my credit report wasnt aware of this. Stated I got loan on XX/XX/XXXX owe XXXX XXXX and XXXX dollars since XX/XX/XXXX. Since XXXX of this year been reaching out. Sent company a debt validation letter sent me a copy paste contact. Not a signature or dated signature, just computer copy and paste.
05/23/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX XXXXX	Web
When i contacted the company to make the payment of {$130.00} which states on all three bureau that amount, i was told it would be {$440.00} or renew loan. I wasnt able to do {$440.00}. My understating is that amount shown was that of previous settlemeant .i didnt make payments nor reset for s new loan wasnt sure what to do.
12/05/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	NV 898XX	Web
was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from XXXX XXXX or ad astra
05/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
AD Astra Recovery Se has attempted to collect money, and has report bad activity on my credit profile. I do not owe AD Astra Recovery Se. This company has failed to present a sign contract between myself and AD Astra Recovery Se, along with proving my identity. Please remove this alleged account from all 3 credit profile.
01/31/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA
06/15/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 64052	Web
XXXX XXXX, continued to send collection notices to me after I requested for them to validate the debt. They didn't follow the correct guidelines for accounts that are disputed, and ignored the request that was submitted back in XXXX. It wasn't until I sent a certified letter that they acted as if they wanted to comply.
12/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77065	Web
I requested that Ad Astra validate debt XX/XX/XXXX via XXXX XXXX XXXX and on XX/XX/XXXX they sent me a statement for payment in the amount of {$180.00} but still nothing validating that I owe this debt. This information is reporting to my credit reports inaccurately the Date of loan per the statement shows XX/XX/XXXX.
06/09/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IL 60621	Web
This is XXXX XXXX XXXX, ad Astra Recovery call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is XXXX XXXX and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. XXXX XXXX XXXX, XXXX ( XXXX ) XXXX mobile
01/07/2018	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	TN 37072	Web
XXXX XXXX will not send me validation of the account they are reporting to all three bureaus. I have asked several times for them to send me proof that I owe them a debt. They sent me a document that I have never seen before nor did I sign. I demand this invalidated account be removed permanently and immediately.
01/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75211	Web
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX 1. ) XX/XX/2016 {$1300.00} XXXX 1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
08/28/2020	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	TX 76013	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
01/09/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 761XX	Web	Servicemember
Ad Astra Recovery Services XX/XX/XXXX, disputed with a 609 letter spring XXXX was never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.
07/28/2018	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	AZ 85381	Web	Servicemember
I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency XXXX that the account is still open in collections.
09/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44001	Web
Ad Astra could not confirm the debt was mine and removed it from my XXXX credit report. It remains on my XXXX and XXXX reports. This is illegal reporting practice and I will be filing a formal complaint in court within 30 days of this complaint if it is not removed from all credit reporting agencies.
03/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75287	Web
This debt is not mine .I turned XXXX years old on XX/XX/XXXX.The debt occurred on XX/XX/XXXX.This is effecting me tremendously because jobs are denying me the opportunity for employment.Please help resolved this my removing this from my credit bureaus .Also please do n't allow them to sell this debt.
08/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44137	Web	Servicemember
I'm was unaware of this account ( AD ASTRA RECOVERY SERV # XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt
07/04/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
this company alleges that i owe XXXX dollars but refuses to send me an original contract with my name and signature to verify the debt. ive tried to reason with them for months. the only thing they sent was a photo copy of something that i didnt even recognize. my next step is small claims court.
03/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91321	Web
Ad Astra Recovery Serv refused to remove a fradulent account from credit report after proof of identity theft was given and they could not supply any personal loan identification Social security number taken through data breach was all and a fake contract without signatures or identification.
03/30/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85044	Web
I have a derogatory account reporting on my credit that is not mines. I do not recognize this account and neither have I ever opened this account on my behalf. The information being reported is inaccurate and does not match me. I have reason to believe this is a result of an identity theft.
05/16/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
They sent me over a contract with my name typed in.. I don't type my name is no where for my signature. Those don't have my hand written signature. Those are False Document. Please show me where the money was depoisted into my account .I need date and time .. Plus i need signed document s
02/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO XXXXX	Web
XXXX XXXX XXXX This is on my credit report and I have never signed up with XXXX. Please remove this from my credit report as it does not pertain to me. I have never lived in California and if this debt is no longer in your hands then you need to remove it from my credit report immediately.
06/06/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78660	Web
I do not have a contract with Ad Astra Rec in the amount of {$1100.00}. I am not liable for collection of this debt from AD Astra Rec. I am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.
12/05/2016	Yes	Payday loan	Can't contact lender	TX 75243	Web
I contacted ad Astra initially to verify the debt via certified mail. They did not give me any paperwork stating that the debt was verified as mine and the collection went on my credit report without verification. Months later the money I owed was automatically withdrawn from my account.
04/12/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OR 97233	Web
On XX/XX/2020, I emailed the following to Ad Astra : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me? Thank you, XXXX XXXX '' To date I have received no reply to my email.
02/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77379	Web
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
10/11/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Public record information inaccurate	TX 76179	Web
THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY CHAPTER XXXX CONVERTED TO A CHAPTER XXXX CASE FILING XXXX. THE ACCOUNT WAS A JOINT ACCOUNT UNDER XXXX XXXX & XXXX XXXX. THIS ACCOUNT SHOULD BE IMMEDIATELY REMOVED FROM MY CREDIT FILE AS WE HAVE BEEN PROTECTED UNDER THE FEDERAL BANKRUPTCY LAWS.
05/25/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
04/12/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77070	Web
There is a collection firm stating I owe XXXX and I do not. This debt was paid a while ago and this company is hurting my credit with false information I have disputed it and it still remains. This is FALSE and they are violating my rights reporting inaccurate information. Please help
04/04/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 751XX	Web
I was reviewing my credit report and notice an account that I do not recognize. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
03/27/2017	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	NV 89149	Web	Older American
On XX/XX/2013 I took out a payday loan for {$4800.00}. This company is reporting {$5300.00} on my credit report. This account is in a collection agency. How can the report an incorrect amount? Under the Fair debt reporting act they are in violation and should delete this information.
02/28/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75115	Web
I reviewed my credit file and there was a collection agency listed for a debt. I asked the company to validate the debt and I was provided typed documentation with my name listed. A typed signature and no identifying information related to me is not acceptable validation of this debt.
04/17/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 94533	Web
Ad Astra Recovery Services continues to try and collect a debt that I do not owe them. I would like for them to verify that I owe them ( Ad Astra Recovery Services ) and if they can not provide proof then I would like for them to stop reporting to the Bureaus and close the account!
08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90007	Web
This account is not accurate I never had a account with this company I would like them to to show proof of the debt and show that this is the Original company and not a debt collection agency and if they cant provide the information I would like it removed I would like validation
02/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL XXXXX	Web
I have sent numerous letters demanding documentation of the alleged debt and a contract bearing my signature with Ad Astra Recovery Services. I have disputed this with all three credit bureaus and they are reporting the information is correct but can supply me with documentation.
02/01/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NV 89014	Web
XXXX XXXX has 3 accounts in collections for me totaling {$4800.00} that where opened on XX/XX/17 that are not mine. I would like to dispute all 3 accounts. Accounts are with a collection agency by the name of Astra Recovery. I spoke with them and they advise me to file a dispute.
03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
I have made many attempts to contact this collection agency and submitted Identity Theft Federal Trade Commission number to them. I have fax over documents and this agency is not responding to removed this collection from my credit reports as it was a result from Identity theft.
10/20/2019	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	CA 90706	Web
This collection agency is reporting a same account on my XXXX TWICE. And also is reporting with different names on all 3 credit bureaus. I recently disputed this error followed by the fair credit reporting act but they have not yet removed this account from my 3 credit reports.
06/20/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AL 35007	Web
Astra has started to call again after I had filed a complaint and had a cease and desist order in place. The company is still making threats of taking legal actions against me. They're still calling my family, friends and my job making the same threats about me to them as well.
08/03/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
Ad Astra Recovery Services is currently reporting on a debt, in the amount of {$600.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX . Ad Astra Recovery does not own the debt. I have a contract with XXXX XXXX .
01/04/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 76112	Web
I checked my credit report and realized there 's a loan on there reporting derogatory that I did n't apply for or have any knowledge of. I 've reached out to seek validation with my original signature on it to prove it did n't belong to me, but have not heard anything back.
07/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35216	Web	Servicemember
Disputed with the company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 per certified mail. It is now XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.
03/27/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75115	Web
There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit
09/19/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	LA 708XX	Web
I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.
04/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX XXXXX	Web	Servicemember
Ad Astra Recovery Services is repeatedly contacting me to collect a debt owed by " XXXX XXXX ''. I have informed Ad Astra Recovery Services that I am not " XXXX XXXX '', and that I do not know " XXXX XXXX '', but they continue to leave messages on my XXXX XXXX account.
01/31/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	NC XXXXX	Web	Servicemember
I filed a complaint against AD ASTRA RECOVERY SERVICE with the consumer financial protection bureau. I was told from a representative that if I did not authorize this account from XXXX XXXX that I need to file a FTC Identity report. So, below I have attach the report.
01/10/2017	Yes	Payday loan	Received a loan I didn't apply for	LA 705XX	Web
I checked my credit reports and I notice an account in collections for a payday loan I have no knowledge of. I 'd like to exercise my rights and have this fraudulent activity removed especially if Ad Astra Recovery ca n't produce an ORIGINAL SIGNED CONTRACT BY MYSELF.
02/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	AZ 85021	Web
AD Astra Recovery Service put my account as opened on XXXX XXXX. I did not Receive services from them during this time. This company is also known as XXXX XXXX for the amount of {$310.00}. they also reported this to all three credit bureaus ( XXXX, XXXX, and XXXX ).
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 710XX	Web	Older American
This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else
09/25/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63118	Web
On XX/XX/XXXX, I sent a debt validation letter to this company asking them to validate this debt they say I owe them. I have NO LEGAL BINDING CONTRACT with AD ASTRA therefore they need to cease communication with me as well as remove this account from my credit file.
05/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90301	Web
Account is shown as closed after dispute and re added days later. I do not have a contract with this company, yet they continue to say that account has been verified as mine but have yet to and never have sent me proof that I owe or that I have a contract with them.
05/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90301	Web
Account is shown as closed after dispute and re added days later. I do not have a contract with this company, yet they continue to say that account has been verified as mine but have yet to and never have sent me proof that I owe or that I have a contract with them.
01/23/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92324	Web
I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( AD ASTRA RECOVERY ) twice under XXXX different account numbers
05/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44001	Web
I do not know what this debt is and they have deemed it invalid on my XXXX report but it still lingers on my XXXX and XXXX reports. This is illegal reporting. Creditors have a duty to report accurate information to every single credit bureau they are reporting to.
04/02/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92337	Web
I am writing this due to non-compliance with the AD ASTRA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
05/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77021	Web	Servicemember
AD Astra Recovery Service alleges an account ending in XXXX which is unknown to me. I have asked for verification/validation of this this alleged debt be original creditor which has not been received. Violation of FDCPA and FCRA, as this has harmed me financially.
04/28/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 782XX	Web
I paid my debts off to Ad Astra Recovery Services and they refuse to take the debt of credit. I also called XXXX and they refused to help me. They assured me that they would get these collections off my report, but they refuse to do their part after I paid them.
07/14/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85016	Web
Ad Astra Recovery Serv is in violation of practice of usury. According to State Statue for " legal loan interest rate '' Title loans have APR 's of over 200 %. That's fraud by misrepresentation. United States Code 931 ( a ) ( 1 ) Co ntract is automatically void
02/28/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92307	Web
A payday loan was taken out in my name. I have asked several times in the last 2 years to please stop calling me. At one point they admitted the charges were likely fraud but I still owed a debt and needed to pay. The company name is Ad Astra Recovery Services.
06/17/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 75248	Web
I have sent Ad Astra XXXX certified letters and XXXX email requesting they cease all contact with me. I have asked them not to contact me at work yet they continue to call my place of employment. They are violating my rights an I want them to stop harassing me.
08/17/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77338	Web
Contacted the company 4 years ago when I was alerted of debt & disputed with debt collection of identity theft. Creditor agreed to remove account but debt is still on my credit. Company has no file of my account, due to new management over the past few years.
04/11/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 94533	Web
AD Astra Recovery Services sent me a copy of an agreement of a debt they are trying to collect but did not verify it is mine. I have already tried to have them remove the bad debt off of my reports but they wo n't budge and are not verifying the debt is mine.
01/06/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 77004	Web
Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.
03/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37214	Web
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
07/31/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
i notice an negative item from AD ASTRA INC ON MY CREDIT REPORT ON XX/XX/2020, IN-WHICH I HAVE NO DEALING WITH AND HAS AN ALLEGED DEBT FOR XXXX $ THAT IS INACCURATE AND SHOULD BE DELETED.I HAVE A COPY OF THE ATTACHED LETTER BELOW OF WHAT I REQUIRE IN RETURN.
09/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76034	Web
I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.
04/02/2018	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92008	Web
Collection account opened XX/XX/2017 {$280.00} Was making payments for two months, stopped receiving any mail, emails, texts or calls, several months later I get my score checked and i owe the collection agency who also never sent any mail, calls, or emails.
08/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 94587	Web
Debt paid in full three payments recorded in system last payment paid and I have forwarded bank statements as proof each time I am being given the run around the debt was paid statement and transaction information provided I want this removed from my credit
03/05/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95825	Web
I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.
07/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77479	Web
I receive an alert from XXXX XXXX that my information was found on dark web upon reviewing my credit report, I saw an account that I have no know knowledge, I reached out to the company listed and haven't received any info or verification of this account.
03/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
AD ASTRA RECOVERY SERVICES HAVE ON MY CREDIT REPORT THAT I OWE THIS DEBT I SEND THEM VALIDATION LETTER CERTIFIED FOR THEM TO SEND ME THE INFORMATION ALL THEY SEND ME WAS SOME PRINTED PAPER THEY DID NOT SEND ME A LIST OF ITEMS THAT I REQUEST FOR VALIDATION
06/16/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	DE 19701	Web
I've been in contact with XXXX, they advised they would settle the debt for a certain amount. When I checked my credit they sold it to a debt collector by the name of Ad Astra Recovery Service, which is reporting the incorrect amount on my credit report.
01/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90250	Web
An account with " XXXX XXXX '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
02/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46226	Web
I have repeatedly tried to contact AD astra recovery service about a unknown account on my XXXX, XXXX and XXXX credit reports. I have no idea where this account came from and not has been properly informed. It is hurting my ability to apply for credit.
04/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92509	Web
i became aware when I checked my credit report that these debt collector under the name, AD ASTRA Recovery Services Incorporated that I owed this debt is incorrect and I do not owe {$310.00}, I have sent a notice of state and federal validation of debt.
11/30/2017	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	TX 76036	Web
On XXXXX-16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76137	Web
Account included in my bankruptcy, this account originally started as a pay loan in XX/XX/XXXX and in XX/XX/XXXX i filed for bankruptcy and included this account in my petition case is ongoing, Then XX/XX/XXXX i saw this report included in my credit.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77047	Web
XX/XX/2018 - I sent a letter to have Ad Astra please remove the collection on my account because I was a victim of identity fraud and the account wasn't mine. XX/XX/2018 - They replied with a letter stating that it was my account, which is false.
03/21/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 76123	Web
This company is reporting an account that I have no knowledge of ; Not only that- Its passed SOL in the state of TX . This company is damaging my credit and I 've never received any kind of notice prior to this acct reporting to the credit bureaus.
03/14/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 77489	Web	Servicemember
AD Astra Recovery services purchased this debt when in fact the account had already been closed and the contract was cancelled. They are trying to illegally re-open the debt that is over 7 years old. It needs to be removed off of my credit report.
02/24/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 77099	Web
They have been taking my card for three months now and have never asked me the name on the visa card before. Now when I tried to make a payment again with my wife 's card they stated she would have to call to give them permission to take payment.
06/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75063	Web
DEBT COLLECTOR IS NOT THE REAL PARTY IN INTEREST I DONT HAVE A DUTY TO PAY THIS PARTY I NEVER RECIEVED ANY BENEFIT FROM THIS PARTY I DONT HAVE A CONTRQACT WITH THIS OPARTY FOR THE COLLECTION OF THIS DEBT THIS IS A STALE DEBT OLDER THAN 4 YEARS.
01/09/2017	Yes	Payday loan	Received a loan I didn't apply for	LA 70809	Web	Servicemember
I have a loan on my credit report for XXXX which I never applied for. I have contacted the company & credit bureau several times to dispute this debt. I have never received any documentation in the mail with my signatures to validate this debt.
06/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web
Check my 3 credit reports Today. Seen something on my reports that do not belong to me. There was a collection account on my reports from AD ASTRA RECOVERY SERVICES. Never got any information from the agency about any type of debt that I owed.
06/08/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	MI 490XX	Web
I NEVER RECIEVED A LOAN FROM " XXXX XXXX '' I HAVE CALLED SEVERAL TIMES AND THEY SAY THEY WILL REMOVE THE ACCOUNT, SINCE IT IS AN ERROR ON THEIR SIDE, AND I STILL SEE IT REPORTING. THIS NEEDS TO BE DELETED FROM A 3 CREDIT BUREAUS IMMEDIATELY!
03/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TN 37207	Web
I've reached out to the company multiple times to get something with my information and they won't provide me with anything. I never took a loan out with the company and I don't feel I should be held responsible for money I've never received.
05/10/2016	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	CA 93555	Web
Ad Astra Recovery Services has been calling outside of appropriate hours. XXXX called me on XXXX XXXX, 2016 at XXXX XXXX ; this is verifiable on my XXXX phone records. Also, I am a resident of California, and they violated the XXXX XXXX.
03/10/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 793XX	Web	Older American
AD ASTRA RECOVERY SERVIC 12 XXXX XXXX XXXX XXXX Tried to collect {$640.00} through my XXXX XXXX XXXX account though they had no access to my account information. I never gave them access to my account. I never did busy with this company.
06/29/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75134	Web
I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.
04/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
I have been given the run around and I conti nue to dispute and report this debt as not being mine, but I 'm still having the same issue. After 5 years this debt has still not been removed, and I need this removed and resolved immediately.
03/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91423	Web
a little while ago I pulled my credit reports and noticed a collection from ad astra on behalf of XXXX. I tried disputing the charge and a week later i got a letter from them trying to settle.I am not about to settle anything i do n't owe!!
03/02/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 77459	Web
I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.
01/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 243XX	Web	Older American, Servicemember
A debt recovery was reported on my credit report XX/XX/2019. The recovery company is AD Astra RecoveryServ XXXX. For XXXX XXXX I do not know anything about this debt nor does my husband. I want this removed from my credit report please.
06/20/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77545	Web
The debt was paid through this agency and they said it would be removed and that has yet to happen. They updated the account as paid in full but was supposed to delete. Also said they would fax a paid in full letter that has yet to arrive.
04/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75243	Web	Servicemember
The loan was originally with XXXX XXXX XXXX XXXX opened XX/XX/2012 then transfered to AD ASTRA RECOVERY SOLUTIONS at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... XXXX XXXX XXXX ... .How many years can this item remain on my credit??
05/27/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 916XX	Web
On XX/XX/XXXX I paid a {$300.00} payday loan to XXXX XXXX. The loan originated in XX/XX/XXXX. Upon recently reviewing credit score A deragatory remark is shows from Ad Astra Recovery debt collector showing XXXX XXXX account for {$300.00}
05/04/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web
XXXX XXXX XXXX XXXX previously stated that they reported the account as closed but my credit report shows as of today XXXX XXXX the account is reporting as open. They are providing false information and not cooperating with the consumer!
05/14/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 44111	Web
I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.
01/10/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78749	Web
I have disputed this charge on numerous occasions. They have continued to contact me and my family and friends. This was an account that was opened under my social, without my knowledge. Collection is still showing on my credit history.
06/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77042	Web	Servicemember
I have never done business with Ad Astra Recovery System. I do not have a signed contract not any contract with Ad Astra Recovery Systems. I have the right to demand to see a signed contract between Ad Astra Recovery Systems and myself
01/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I am unaware of this account on my XXXX and XXXX credit report. I do not know where this account comes from. I contacted the collection agency with no response. I want to see how to fix this problem as it is damaging my credit score.
04/14/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 94533	Web
Ad Astra Recovery Services is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with Ad Astra Recovery so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!
02/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 641XX	Web
i got a copy of credit report, i see ad astra recovery service put a collection on my credit report, i sent debt validation letter XX/XX/2016, its been past 30 days, i never proof of the account, i want it removed from my credit file
06/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
I requested a copy of contract with signature from AD Astra Recovery Services Inc.. Copy declined to comply with request. Also, requested a copy of contract with my signature via the 3 credit bureau agencies. No reply or response.
02/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37209	Web
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
08/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91405	Web
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now
04/11/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85301	Web
I have a debt collection for an account that I do not recognize. I have never applied for loans with this company mentioned in the remarks. The information being reported is completely inaccurate. This debt does not belong to me.
01/17/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 77061	Web
I looked onto XXXX XXXX and saw a collection for {$610.00} from Ad Astra Recovery saying it was opened XX/XX/2016. However i have no paperwork or my official signature to support that nor have i even taken out a {$600.00} loan.
10/02/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92139	Web
AD ASTRA SERVICES is violating federal law 15 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney
04/04/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 94533	Web
I no longer owe on this debt. They have no contract and can not in any way verify this debt is mines. This collection is hurting my scores and creating a hardship for me. I would just like them to delete it off of my reports!
08/15/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	AL 35242	Web
This is not my account with XXXX XXXX. I have tried and called the creditor several times and explained to them that this is not my account. If an account was open this had to be done by my ex husband. I want it removed ASAP
05/05/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MS 388XX	Web
Ive asked several times for proof the debt belongs to me and I keep getting the same paper with printed signature not hand written signature to prove its mine which it isnt!!! Im tired of going back and forth about this debt
02/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 371XX	Web
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
09/04/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 90033	Web
I want to see if I could negotiate my debt. I have an account from XXXX XXXX that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?
10/29/2015	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	TX 75063	Web
Ad Astra Recovery keeps calling and will not identify themselves stating they will send a police officer to my job and house to serve me some papers for an account that I made fraudulent bank account in order to get a loan.
11/23/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NC 28590	Web	Servicemember
On XXXX XXXX, 2017 I filed a complaint against XXXX XXXX XXXX XXXX they were able to verify the alleged debt but did not validate the alleged debt against this consumer according to the Fair Debt Collection Practice Act.
04/16/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
The documentation the company sent to verify the debt was not acceptable ; and did not validate the debt as being mine. The documentation did not include any signature but instead my name was typed on the documentation.
05/10/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 350XX	Web
Ask for 70 % reduction did not wo n't to negotiate.I am on a fix income trying to improve my credit it ab out six years old .So I have it removed my credit file.If paid they said they would not removed my credit report.
02/06/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 92646	Web	Servicemember
Ad Astra is a collection agency that has taken over a debt that was discharged in my bankruptcy. I provided the document to XXXX XXXX months ago and now these people continually call me at work, on my cell and at home.
07/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78729	Web
The company is calling my job harassing my co-workers. I have asked them to only call my personal phone number, but they are ignoring my request. The item is already on my credit and I am unable to pay it at this time.
04/20/2015	Yes	Payday loan	Can't contact lender	IL 60188	Web
I have ask Ad Astra Recovery Account XXXX on a number of occasion to validate this debt they have not. This account was included bankruptcy on XX/XX/2014Ad Astra Recovery is reporting to XXXX every month late payment.
03/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94513	Web
Several times this company has called me on attempts to collect a debt that I have never heard of. I asked them to please send proof that it is me who requested the loan. They will not send proof and keep calling me.
02/01/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76018	Web
I 'm Filling a complaint stating this account is not mine I pulled my credit fill back in XX/XX/2016 disputing file # XXXX XXXX is the company this is not mine and I requesting that it be removed from my credit file.
12/06/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77077	Web
the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed
03/19/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.
10/27/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	LA 713XX	Web
Asked for validation of this debt and they sent me info from an online payday loan company with no signatures. Just typed information with my name on it. That is not Validation nor is it proof that this is my debt.
12/08/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37174	Web
Request were sent for debt validation and licensure to collect in Tennessee on XXXX XXXX. Verification of delivery on XXXX XXXX. No response has been received. The debt stated on my credit report is for {$1000.00}
06/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92126	Web	Older American, Servicemember
On or about XX/XX/XXXX, my account was already paid in full and closed. As of date XX/XX/XXXX, AD Astra Recovery Services ( XXXX XXXX XXXX XXXX ) still reporting on the 3 credit bureau my account on collections.
01/28/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75217	Web
I checked my credit report and found an open account from a payday loan from XXXX XXXX opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.
07/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
While reviewing my credit report, I discovered this account which I had no idea about on my credit report, and I contacted my attorney.My attoney then requested i contact your office for immediate resolution.
03/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
XX/XX/16 I sent a certified letter to this company disputing this charge and demanding validation of this debt - they did not send prof of debt with this company, they sent something with a different company.
08/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 777XX	Web
I sent a letter on XX/XX/18 and again on XX/XX/18 asking for Debt Validation as I don't know what this debt is for. As of today, XX/XX/XXXX, I have not received ANY documents stating that it is a valid debt.
10/21/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 53704	Web	Servicemember
The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date usedif thats the case this is impossible
03/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
03/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75115	Web
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
05/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with contract or any instrument bearing my signature validating that the debt is mine
06/22/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	XXXXX	Web	Servicemember
XX/XX/2019 {$500.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect account number and that is against the Fair Credit reporting act.
03/22/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95111	Web	Older American
On XX/XX/2014 .AMOUNTS ARE $ XXXX.THIS IS PAYDAY LOAN. I DID NOT LOAN IT. IT WAS NOT MY SOCIAL SECURITY NUMBER ALSO. I DID NOT KNOW THEY WERE HAVING TO REPORT TO THREE COMPANIES CREDIT THAT I OWERS.
12/27/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	RI 02910	Web	Older American, Servicemember
Ad Astra is still on my credit reports. I have filed complaint after complaint with them, and i have submitted proof that this was paid in full, while one credit reporting removed it not the others.
04/30/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KS 67501	Web
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
12/30/2016	Yes	Payday loan	Received a loan I didn't apply for	TX 76123	Web
I 'm unaware of this payday loan, I 've disputed this account and no action has been taken. I 've also requested original documentation with my signature on it validating this alleged account.
02/25/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63118	Web
I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.
05/17/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78624	Web	Servicemember
Creditor Name AD ASTRA REC Original Creditor 12 XXXX XXXX 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
06/06/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AL 35007	Web
A company by the name AD Astra collections is calling me, my job and family members and is using abusive tactics to collect on a debt. They threaten to have me garnished if I refuse to pay.
07/24/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78754	Web	Servicemember
excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused
04/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77047	Web
Not sure whats going on here but this company XXXX XXXX believes I owe them funds ..this is fraud! And is the result of reporting on my credit file. {$810.00} Open XX/XX/15 Account # XXXX
12/05/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web
I do not have a contract with Ad Astra Recovery Services. They are reporting a fraudulent collections account to all three credit bureaus. This is affecting my creditworthiness negatively.
01/19/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WI 53225	Web
I was contacted and told that I would be sued and arrested if I did not pay. I requested that the debt be validated because I had no contract with the company. I never received anything.
01/02/2020	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 Was not notified of investigation status or results	TN 37830	Web
I have requested debt validation TWICE from Ad Astra Recovery Services. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.
11/21/2019	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	MS XXXXX	Web
AD Astra Recovery Services refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
05/30/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 77340	Web
They would call repeatedly and not say a word. Then they called me once cursing and using offensive language. I told them you have the wrong number and they dont care, they keep calling.
12/10/2019	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	WA 98042	Web
I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.
04/11/2020	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	KS 67037	Web
AD ASTRA RECOVERY SERVice buys medical bills from health providers for pennies on the dollar hoping to cash in by harassing you, your family and friends. Completely terrible company.
05/12/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Continued attempts to collect debt not owed. Filed a complaint with the original creditor XXXX XXXX and they stated in their response that this complaint does n't belong to them.
09/27/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	KS 671XX	Web
They have been calling my previous employer up to 30 times daily after being told I no longer work there. I have received numerous calls to my personal phone but have them blocked.
03/15/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76502	Web
I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX XXXX.
06/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36605	Web
I WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU.
10/01/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78232	Web	Servicemember
AD ASTRA RECOVERY SERVICES received certified mail from me on Friday XXXX XXXX, 2017 of notice to validate debt and to provide an original wet ink contract stating I owe debt.
10/01/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 77407	Web
AD Asta- {$760.00} XXXX XXXX XXXX - {$230.00} In reference to the accounts ; the contract is cancelled, the dates reported are in correct. These accounts are 7- 8 years old.
11/04/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	MO 64030	Web
There is a collection listed by AD Astra Recovery collecting for a XXXX which is not mine I have disputed and requested validation and nothing has been received. Please help
08/19/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 535XX	Web
I asked them to verify and validate accountXX/XX/XXXX and XX/XX/XXXX with Ad Astra Recovery Service. I've been disputing account since XX/XX/XXXX with XXXX, XXXX, and XXXX.
02/06/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 76112	Web
The opened date for this alleged debt with Ad Astra Recovery is XXXX XXXX, 2012 - The Statute of Limitations for Texas is ( 4 ) years and their still attempting to collect.
09/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78245	Web	Servicemember
I informed the company of having no knowledge of the debt and that it was due t ok ID theft and they refuse to stop reporting the debt on my credit report causing damage.
06/11/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 368XX	Web
Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.
04/20/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	LA 703XX	Web
I have disputed this item to have it verified and validated. I received notice that the debt was verified but did not get anything showing how it was verified/validated.
04/26/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77450	Web
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
06/12/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77060	Web
i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.
08/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90805	Web	Older American
I 've attempted to contact this company on several occasions to tell them that the debt their trying to collect is n't mine and I do n't even know what its for.
05/20/2020	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	MS 393XX	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 have not received any investigation results.
01/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	IN 46902	Web
I told them I was unaware of the account and they failed to provide any notice or any documentation proving I applied for the loan. XXXX XXXX,2015 {$820.00}
08/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75025	Web
Ad astra is reported incorrect information on my account i dont owe them any money and they refuse to remove from credit report. They refuse to provide proof
04/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38111	Web
I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT XXXX XXXX BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE
06/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 84117	Web	Older American, Servicemember
A debt appeared on my credit report that was/is not mine. I contacted the collection firm and informed them it was not mine, but my statement had no effect.
06/05/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 92648	Web
AD ASTRA RECOVERY SERVIC XX/XX/2015 3 yrs, 1 mo {$300.00} I have already filed complaint a denying the debt. The debtor has refused to provide any details.
07/22/2016	Yes	Payday loan	Charged bank acct wrong day or amt	TX 75090	Web
This is closed on my credit due to this company not being able to validate this debt. This needs to be removed as this is not true or accurate information.
07/02/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76116	Web
Left numerous voicemails that my local sherriffs dept would file a warrant for my arrest unless i paid within 30 minutes, they would find me and arrest me.
03/06/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA XXXXX	Web
They called saying that they were law enforcement threading me, saying that there is a warrant for my arrest, that I will be going to jail and Ill be sued
07/08/2017	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	TN 38135	Web
XXXX 2017 {$500.00} I have filed a dispute with Ad Astra Recovery to verify because no contract was signed they sent back it was verified with no proof
01/05/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75068	Web
Nothing was sent to me in writing about this debt. I got knowledge of it when I check my credit score this morning and this debt went into collections.
06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77066	Web
AD Astra Recovery Services is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this account.
10/06/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 482XX	Web
Credit use was accessed thru someone that i lived with. This XXXX XXXX " payday loan '' creation / use was fraudulent ( not authorized by myself ).
08/03/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 53215	Web
I do not know this AD ASTRA RECOVERY SERVICE but they are requesting for me to send them {$610.00}. Lasted reported to my credit report XXXX XXXX.
02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95758	Web
A Loan was taken out in my name. I didn't get the money nor was it deposited into my account. I never applied for loan someone used my information
05/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
Account from AD ASTRA RECOVERY SERVIC shows a balance of {$1500.00}, and and open date of XX/XX/2015. There is no additional information listed.
06/28/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
This debt is not mine and has been reported for 3 years making my credit bad. They do not have my permission to use my name or my signature.
07/01/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89032	Web
Called on XX/XX/XXXX and doing the year tried and asked for information to settle the debt. to get removed {$450.00} XXXX XXXX account XXXX
02/03/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75243	Web
The company refused to produce enough information to verify the debt. The will not send me copies of the signed contract with my signature.
05/02/2020	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 Their investigation did not fix an error on your report	TN 37043	Web
I paid the company in full. Ive tried talking on the phone and disputing it at all 3 credit bureaus. It still remains on my credit report.
04/24/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MS 388XX	Web
I asked the company to verify the debt but I've only received personal I formation without my signature meaning it could have been stolen!
07/01/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 92308	Web
The recovery agency for the XXXX XXXX XXXX threatening phone calls on garnishment of my SSI benefits. The loan amount was in XX/XX/2013.
08/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29020	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
01/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76133	Web
I never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.
11/16/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37214	Web	Servicemember
Called friends and family members claiming the would call my work, and legal action would be taken if unspecified date was not paid.
03/31/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 90706	Web
I would like to get a settlement for this debt. .. Information on how to close this account and get it removed from my credit report
03/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75062	Web
Sent Ad Astra a debt validation letter regarding the alleged debt. Agency responded by sending me a bill. A bill is NOT validation.
05/13/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 43232	Web
I sent a certified letter asking this company to remove this unverified debt and they have not responded it has been over 30 days.
01/08/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 91331	Web
I currently owe {$310.00}. They have badgered me with calls all throughout the day, everyday. This account was opened XX/XX/2016.
12/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web
I sent them documents and a police report of identity theft and they refused to follow the law and delete the fraudulent account
07/14/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94014	Web
Ad astra recovery They called me several times and tried harassing me and they put it on collection..now its affecting my credit
10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77063	Web
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra
02/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33618	Web
Unknown agency as I have never done business with XXXX XXXX and do not owe them. Please help I have disputed with no validation
06/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 78258	Web	Servicemember
I have disputed and submitted documents ( Bank statements ) that prove the debt was paid and should never gone to collections.
12/30/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	OH 447XX	Web
attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.
08/04/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 78210	Web
On XXXX/XXXX/15 I requested validation from AD Astra. As of XXXX/XXXX/15 I have not received any proof of this debt from them.
03/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75230	Web
The problem I am having is the company wants to charge an excessive amount and posted that excessive balance on my credit
01/23/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web
Debt appeared on my credit report that is not mine. It is listed as being owed by XXXX XXXX and collected by Ad Astra.
03/08/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75253	Web
As astra recovery is posting inaccurate information. Ive asked them to verify all documents 90 days and no response.
04/01/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 75287	Web
XXXX is reporting negatively on my credit report even though the debt was sold to AD ASTRA RECOVERY SERVICE in 2014.
12/07/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77070	Web
My Identity was stolen I provided all documentation so the Debt Collector will remove the debt, waiting on response.
04/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78108	Web	Servicemember
AD ASTRA RECOVERY SERVICES, a balance of {$1600.00}. No idea what this is and company didn't have any information
02/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77304	Web
Do not owe this company anything, requested validation and nothing received. Please help AD Astra Recovery XXXX
09/09/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	NY XXXXX	Web
I paid off the collection in full. The company never deleted the collection record from my account as agreed.
02/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78758	Web
AD ASTRA RECOVERY I SENT THEM A DEBT VALIDATION LETTER AND THEY NEVER RESPONDED WITH DOCUMENTATION OF ACCOUNT
01/06/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CA 904XX	Web
The information that I used to sign up was put on the dark web. Surveillance was used to steal my belongings.
02/23/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 91103	Web
Company bought old debt that has been paid company bought and is harassing me to pay debt that has been paid
12/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33056	Web	Servicemember
The collection company has failed to show proof that I am the consumer who is responsible for this account.
11/19/2018	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 Investigation took more than 30 days	CA 91343	Web
Ad astra recovery services also XXXX XXXX wont remove this from XXXX after being removed from other bureaus
06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 660XX	Web
Ad adsta ... XXXX XXXX XXXX it was paid in full though my bank account still is not off my credit report
06/07/2018	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 483XX	Web
I was not given any paperwork from this Company to pay the debt. It was just added to my credit report.
02/17/2016	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	TX 76063	Web
We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.
07/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90034	Web
I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.
12/10/2018	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 Investigation took more than 30 days	TX 77072	Web
Reports Erroneous Information Current Creditor refuses to properly investigate and properly remove.
06/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web
I do n't have any knowledge of this collection company or the debt they are attempting to collect.
02/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60649	Web
The company AD ASTRA RECOVERY SERVICES has put a file on my credit report that i am unaware off.
03/31/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CO 80237	Web
My complaint is not part of any of the above categories. I hope my complaint will be considered.
03/16/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 78621	Web
I have not had a loan through this company.I have not applied for a loan through this company
03/27/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	MO 63116	Web
I have completed all payments, but it still shows as an open collection on my credit report.
11/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77063	Web
CRA violation- accounts are inaccurate. Not mine, no knowledge of accounts PO number XXXX
04/08/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 23455	Web
This debt just showed up on credit report i received no notification, no calls or emails.
07/17/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OH XXXXX	Web
This company is attempting to collect an amount that is incorrect and that I do not owe.
09/27/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 75088	Web
Said if i did n't pay they would have a sheriff at my house within minutes to arrest me
11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76137	Web
Unknown account requested validation and nothing came. No debt exist with this company
05/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I SEND A LETTER OUT XXXX TO AD ASTRA RECOVERY SERVICE AND THEY DID NOT RESPOND TO IT
01/15/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85281	Web
This was included on my bankruptcy and they will not take this off my credit report.
07/25/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 70809	Web
on XXXX XXXX, I requested to Negotiate this debt and I have yet to get a response
12/05/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75287	Web
Tried contacting company in regards to payment arrangement and settlement offer.
02/09/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 75241	Web
i had no knowledge of this account. Payday loan was deleted from XXXX bureau.
02/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV XXXXX	Web
Didn't receive notice of right to dispute NEVER RECEIVED LETTER FROM COMPANY
05/10/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 775XX	Web
This is a debt I dont know anything about I have no contract with ad adstra
01/29/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV XXXXX	Web	Servicemember
Kept contacting former employer, and family after I've asked them to stop.
02/06/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 760XX	Web
Debt was sold to 3rd party without notifying me. This violates my privacy.
03/08/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 765XX	Web
The company called and I said to stop calling but they just ignored me?
12/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76135	Web
I do not have knowledge of the debt that is attempting to be collected.
06/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77024	Web	Older American
THIS DEBT WAS PUT ON MY CREDIT FILE ... I DONT KNOW HOW IT GOT THERE
09/05/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77498	Web
Reporting to the credit bureau as if I made a payment and I didnt.
02/09/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
AD Astra is reporting on my credit report in the amount of XXXX.
02/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37160	Web
Incorrect reporting of debt. Insurance at the time paid in full
02/23/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 633XX	Web
mailed a letter to verify debt, company didn't respond at all
10/31/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web	Servicemember
HIRED LAWYER TO LOWER FEE. NO RESPONSE. HARRASSING CALLS ETC
10/28/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Servicemember
reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine
01/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77632	Web
inaccurate information showing on the 3 major credit bureau
05/07/2016	Yes	Payday loan	Received a loan I didn't apply for	TX 75093	Web
I never took out a loan with XXXX XXXX. This is not mine
01/18/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 45371	Web
XXXX XXXX did not give me a receipt or a copy of terms
04/19/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07728	Web	Servicemember
I check my creditor score and XXXX of XXXX was on it,
07/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75150	Web
I am no longer disputing AD ASTRA RECOVERY SERVICE.
11/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85204	Web
amount is wrong and the company insists it is not.
10/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	VA 236XX	Web	Servicemember
I paid 30 % and settled with an attorney XXXX XXXX
04/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77075	Web
Dispute with XXXX XXXX and XXXX credit bureaus
12/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94607	Web
No legal binding accounts with this company
10/20/2018	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MS 388XX	Web	Servicemember
Send letter to resolve debt no response.
01/19/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 386XX	Web
This was n't me who applied for the debt
12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
I have no knowledge of said debt
04/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76116	Web
Somebody got a loan in my name.
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 759XX	Web
INACCURATE INFORMATION NOT MINE
02/12/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 76112	Web	Servicemember
Account was paid as agreed.
10/03/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 44111	Web
never took out this loan
09/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91766	Web	Servicemember
not my debt
09/09/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds		Phone

09/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23453	Web

08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60440	Web

08/26/2020	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	IL 60637	Web

08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76067	Web

08/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78028	Web

08/16/2020	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	WA 98116	Web

08/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90806	Web

08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85246	Web	Servicemember

08/12/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 90029	Web

08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90802	Web

08/10/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95608	Web

08/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93536	Web

08/07/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60406	Web

08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35215	Web

08/03/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75035	Web

07/29/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75231	Web

07/24/2020	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	GA 31021	Web	Servicemember

07/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77380	Web

07/19/2020	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 Their investigation did not fix an error on your report	TX 75043	Web

07/17/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 35401	Web	Servicemember

07/05/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76063	Web

07/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75044	Web

07/02/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77339	Web

07/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94621	Web

07/01/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38016	Phone

06/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76109	Fax

06/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77450	Fax

06/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90802	Web

06/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53216	Web

06/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92392	Web

06/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92392	Web

06/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92882	Web

06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33054	Web

06/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90302	Web

06/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90302	Web

06/15/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36027	Web

06/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93561	Web

06/13/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77025	Web

06/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93536	Web

06/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71129	Web

06/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76036	Web

06/05/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77067	Web

06/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80228	Web

06/04/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 75287	Web	Older American

06/03/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20705	Web

06/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35401	Fax

05/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92509	Web

05/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92509	Web

05/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92555	Web

05/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91106	Postal mail

05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70734	Web

05/20/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77067	Web

05/18/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38116	Web	Servicemember

05/18/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77901	Web

05/14/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90291	Web

05/13/2020	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 64079	Web

05/13/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92354	Web

05/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91107	Postal mail

05/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70806	Web

05/03/2020	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 Was not notified of investigation status or results	TX 77642	Web

05/02/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78747	Web

05/01/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 94158	Web	Servicemember

04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Referral

04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90291	Web	Servicemember

04/28/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77002	Web

04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92354	Web

04/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35404	Fax

04/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75074	Web

04/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78222	Web

04/20/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	DE 19901	Web

04/17/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76226	Web

04/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78759	Web

04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64064	Web

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75032	Web

04/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web

04/09/2020	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	MO 64064	Web

04/03/2020	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75062	Web

04/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35806	Web

03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64064	Web

03/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70812	Web

03/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70816	Web

03/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70816	Web

03/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70714	Web

03/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91724	Phone

03/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TN 37363	Web

03/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web

03/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35748	Web

03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

03/11/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 74601	Web

03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91605	Web

03/07/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92373	Web

03/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77040	Web

03/06/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds		Phone

03/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97006	Web

02/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77041	Web

02/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Phone

02/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78834	Web

02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77031	Web

02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98031	Web

02/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90640	Web

02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77584	Web

02/04/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77016	Web	Servicemember

02/02/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29821	Web	Older American, Servicemember

02/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77040	Web

01/31/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23229	Phone

01/17/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IL 60402	Web

01/14/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38106	Web

01/12/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78745	Web

01/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80220	Web	Servicemember

01/07/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	WA 98684	Web

01/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76177	Web

12/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17603	Web

12/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 94558	Web

12/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37042	Web

12/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 78759	Phone

12/03/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OK 73003	Fax

12/03/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63376	Postal mail

12/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75181	Fax

11/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30030	Web

11/21/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 93534	Web

11/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Referral

11/21/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	TX 76712	Web

11/19/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 79111	Postal mail

11/18/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78745	Web

11/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91977	Web

11/15/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94509	Phone

11/14/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35210	Web

11/14/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77040	Web

11/11/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 70359	Web

11/10/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 70816	Web

11/02/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 76010	Web

10/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77205	Postal mail

10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98683	Web

10/27/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78212	Web

10/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WI 53216	Web

10/24/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	AZ 85201	Web

10/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90250	Web

10/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93551	Referral

10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28212	Web

10/12/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91977	Web

10/11/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92139	Web

10/04/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 13203	Web

10/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web

10/01/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70123	Web

09/30/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 92260	Phone	Older American

09/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80220	Web	Servicemember

09/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28306	Web

09/26/2019	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	WA 98092	Web

09/25/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX 78681	Web

09/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77055	Web

09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60649	Postal mail

09/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	OH 43206	Web

09/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

09/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10166	Fax

09/19/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77093	Web

09/15/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MO 64012	Web

09/13/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 37404	Postal mail

09/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91302	Web

09/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77066	Web

09/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77089	Web

09/10/2019	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 76010	Web

09/09/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NC 27603	Web

09/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 752XX	Web

09/06/2019	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 76542	Web

09/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NC 27603	Web

09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35576	Web

09/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	WI 53224	Referral

09/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 78413	Web	Servicemember

09/04/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75043	Web

09/04/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Old information reappears or never goes away	TN 38016	Web

09/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77407	Web

09/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web

09/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77389	Web

08/31/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73170	Web

08/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77006	Web

08/21/2019	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 34949	Web

08/21/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	WI 53223	Web	Servicemember

08/21/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	KS 66104	Phone	Servicemember

08/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77032	Postal mail

08/18/2019	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	IL 60544	Web

08/18/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63755	Web	Older American

08/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

08/12/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77493	Web

08/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78043	Web

08/08/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76155	Web

08/05/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77379	Web	Servicemember

08/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93596	Web

08/02/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78045	Web

07/26/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75080	Web

07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87114	Web

07/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70820	Web

07/18/2019	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 Problem with personal statement of dispute	TX 75603	Web

07/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95811	Web

07/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77012	Web

07/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75038	Web	Servicemember

07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78131	Postal mail	Servicemember

07/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76712	Web

07/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77502	Web

07/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77630	Web

06/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91107	Phone

06/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91306	Web

06/26/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77450	Phone

06/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91117	Web

06/22/2019	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	CA 93534	Web

06/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91384	Web

06/21/2019	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	FL 34472	Web	Older American, Servicemember

06/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77498	Web

06/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77591	Web

06/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	CA 92345	Web

06/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75203	Web

06/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90061	Web

06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 776XX	Web

06/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

05/30/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85301	Web

05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63137	Postal mail

05/22/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77532	Web

05/17/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38120	Web

05/09/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77713	Web

05/08/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76712	Web

05/08/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77055	Web

05/08/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 92782	Web

05/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91615	Web

05/02/2019	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	LA 70816	Web

05/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77459	Web

04/28/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76116	Web

04/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Personal information incorrect	TX 75247	Web

04/25/2019	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	CA 92404	Web

04/24/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95127	Web

04/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85132	Phone

04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36054	Web	Servicemember

04/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

04/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77055	Web

04/16/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web

04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77632	Web

04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89508	Web

04/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89129	Web	Servicemember

04/04/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33770	Web

04/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77027	Web

04/03/2019	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 75254	Web

03/30/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77536	Postal mail

03/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60478	Web

03/24/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76028	Web

03/22/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	IL 60651	Web

03/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90019	Web

03/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77384	Web

03/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76011	Web

03/07/2019	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	CA 93305	Web	Servicemember

03/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Referral

03/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

03/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92223	Web

03/05/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77552	Web

03/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

03/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76541	Web	Servicemember

03/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77066	Web

02/25/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 76036	Web

02/22/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 39170	Web

02/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77078	Web

02/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web

02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91344	Web

02/15/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 54411	Phone

02/11/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web

02/10/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75203	Web

02/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

01/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 65807	Referral

01/29/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IL 60616	Phone

01/29/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NV 89120	Web

01/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

01/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77429	Web

01/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web

01/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90810	Fax

01/17/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71108	Web

01/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75203	Web

01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36526	Web

01/13/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	VA 23513	Web	Servicemember

01/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Fax

01/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

01/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77082	Web

01/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71108	Web

01/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77479	Web

12/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75243	Web

12/18/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76132	Web

12/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37403	Postal mail

12/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94533	Web

12/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60652	Web

12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44109	Web

12/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85641	Web

12/03/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44502	Web

12/03/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85284	Web

11/27/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75063	Web

11/26/2018	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	AL 36116	Web

11/26/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76001	Web

11/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91767	Web

11/16/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NV 89012	Fax

11/16/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AZ 85044	Web

11/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75080	Web

11/14/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web

11/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 76039	Web

11/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60644	Web

11/10/2018	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	NV 89103	Web

11/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89085	Web

11/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75503	Web	Servicemember

11/07/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77083	Web	Older American, Servicemember

11/06/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 77065	Web

11/06/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AL 35007	Web

11/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

11/02/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AZ 85246	Web	Servicemember

10/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77069	Web	Servicemember

10/29/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web

10/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89011	Web

10/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75039	Fax

10/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77377	Web

10/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77545	Web

10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75503	Web	Servicemember

10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

10/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30315	Web

10/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Fax

10/06/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92545	Web

10/06/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91405	Web

10/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77701	Web

10/05/2018	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	AL 35215	Web

10/01/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70031	Web

09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80121	Web

09/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78040	Web

09/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91766	Web

09/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

09/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65803	Web

09/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78702	Web

09/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

09/13/2018	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 Was not notified of investigation status or results	TX 77035	Web

09/10/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79424	Web

09/07/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77379	Web

09/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 78212	Postal mail

09/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70583	Web

09/06/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23434	Web

08/31/2018	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account status incorrect	CO 81520	Web

08/29/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77080	Phone

08/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76107	Web

08/07/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89149	Web

08/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92115	Web

08/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75235	Web

08/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75235	Web

08/06/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77077	Web

08/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77568	Web

08/02/2018	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 79903	Web

08/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76014	Web

07/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75134	Web

07/27/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	KS 66720	Phone

07/25/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 76006	Web	Servicemember

07/25/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 94803	Web

07/25/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 94803	Web

07/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45245	Web	Servicemember

07/23/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38401	Web	Servicemember

07/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	MO 64064	Web

07/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85246	Web	Servicemember

07/16/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 64155	Web

07/16/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	TX 76109	Web	Older American, Servicemember

07/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75149	Web

07/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid		Phone

07/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77067	Web

07/04/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	LA 70043	Web

07/03/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34705	Phone

07/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

06/30/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 63301	Web

06/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

06/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75212	Web

06/29/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 36605	Web

06/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75032	Web

06/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75067	Web

06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89134	Web

06/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77070	Web

06/21/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77099	Web

06/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75150	Web

06/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76010	Web

06/16/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	LA 71107	Web

06/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20705	Web

06/11/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77076	Web

06/09/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75159	Web

06/08/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77003	Web

06/06/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web	Servicemember

06/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web

06/02/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 32221	Web

06/01/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

06/01/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 92553	Web	Servicemember

05/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98422	Web

05/30/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web	Servicemember

05/30/2018	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	TN 37013	Web

05/25/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MS 39206	Web

05/18/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76036	Web

05/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91344	Referral

05/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91202	Referral

05/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91325	Referral

05/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78683	Postal mail

05/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76063	Web

05/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web	Servicemember

05/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77067	Web

05/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63103	Phone

05/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75605	Web

05/10/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75252	Web

05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91016	Web

05/08/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75252	Web

05/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

05/08/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NM 87124	Web	Servicemember

05/07/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78247	Web

05/04/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 75203	Web	Servicemember

05/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

05/03/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76133	Web

05/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75240	Referral

04/27/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77088	Web

04/26/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AZ 85224	Web

04/24/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77040	Web	Servicemember

04/24/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80201	Web

04/24/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 90069	Web

04/24/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63376	Web

04/23/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 91764	Web

04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21234	Web

04/12/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90037	Web

04/12/2018	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CO 80017	Phone

04/10/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75052	Web

04/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80201	Web

04/08/2018	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	CA 95819	Web

04/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92301	Web	Servicemember

04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 67133	Web

04/03/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75052	Web

04/03/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60651	Web

04/03/2018	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CO 80013	Web

04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75791	Web	Servicemember

04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76179	Web	Servicemember

04/02/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94590	Web

04/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web	Servicemember

03/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63136	Web

03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36350	Web	Servicemember

03/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	AZ 85282	Web

03/26/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web

03/23/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34759	Web

03/23/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80201	Web

03/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 45255	Web

03/22/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 90706	Web

03/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	TX 75707	Web	Servicemember

03/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63021	Web

03/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75149	Web

03/15/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90247	Web

03/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60540	Web

03/14/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75050	Web

03/14/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90016	Web

03/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91950	Web	Older American

03/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Credit monitoring or identity theft protection services Billing dispute for services	AL 36125	Web

03/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NV 89137	Web

03/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web

03/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web

03/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76002	Web

03/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80247	Web

03/09/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AZ 85138	Web

03/08/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77318	Web

03/05/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web	Servicemember

03/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

03/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

02/28/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NV 89014	Web

02/22/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying		Phone

02/21/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92780	Web

02/21/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76043	Web

02/20/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75941	Web

02/20/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 64128	Web

02/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75241	Web

02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web

02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70546	Web

02/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80201	Web

02/15/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	KS 66048	Web

02/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 32968	Web

02/11/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AR 71749	Web

02/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75216	Web

02/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NV 89149	Web

02/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70043	Web

02/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75216	Web

02/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NV 89149	Web

02/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76112	Web

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 71749	Web

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91343	Web

02/01/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77396	Web

02/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NV 89149	Web

01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78251	Web

01/31/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 71118	Web

01/25/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 90301	Web

01/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77090	Web

01/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28590	Web	Servicemember

01/24/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IL 60532	Web

01/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78577	Web

01/22/2018	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	OH 44092	Web

01/19/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 35806	Web

01/18/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web	Servicemember

01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75104	Web

01/16/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

01/14/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76504	Web

01/12/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90293	Web

01/12/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web

01/09/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 76226	Web

01/08/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 37167	Web

01/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75243	Web

01/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75050	Web

01/03/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76087	Web

12/30/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 63130	Web	Servicemember

12/29/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 35405	Web

12/28/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89145	Web

12/27/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70815	Web

12/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web

12/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90255	Phone

12/18/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60014	Referral

12/17/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77039	Web

12/17/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 70301	Web

12/15/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75052	Web

12/15/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90044	Web

12/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90007	Web

12/11/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76227	Web

12/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92553	Web

12/07/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92410	Web

12/07/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 37174	Web

12/05/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76227	Web

12/05/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NM 87107	Referral

12/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98422	Web

12/04/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web

12/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95207	Web	Servicemember

12/01/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90606	Web

11/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45223	Web

11/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 66002	Web

11/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76548	Web	Servicemember

11/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Postal mail

11/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90606	Web

11/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78240	Web

11/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78240	Web

11/15/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85016	Web

11/15/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75034	Web

11/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78240	Web

11/13/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AR 72010	Web

11/13/2017	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	LA 70706	Web

11/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web

11/06/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web	Servicemember

11/05/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 33614	Web

11/04/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85718	Web

11/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77502	Web

11/02/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76060	Web	Servicemember

10/31/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90241	Web	Servicemember

10/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78613	Web

10/27/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76123	Web

10/27/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV 89138	Web

10/27/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77338	Web

10/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77060	Web

10/20/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77338	Web

10/20/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web

10/15/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web

10/14/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 78232	Web	Servicemember

10/13/2017	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	CA 92882	Web

10/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75253	Web

10/11/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX 76017	Web	Servicemember

10/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73505	Web

10/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78749	Web

10/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78749	Web

10/05/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Credit monitoring or identity theft protection services Billing dispute for services	TN 37130	Web

10/04/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 93534	Web

10/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85392	Web

10/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70301	Web

09/29/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89138	Web

09/29/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76227	Web

09/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91345	Web

09/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92551	Web

09/27/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75048	Web

09/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90034	Web

09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90006	Web

09/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92407	Web

09/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90706	Web

09/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web

09/22/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78840	Web

09/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95815	Web

09/20/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38118	Web

09/19/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

09/18/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32811	Web	Servicemember

09/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78653	Web

09/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web

09/15/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 76017	Web

09/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90043	Web

09/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76661	Web

09/11/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

09/08/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	AL 35470	Web	Servicemember

09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87121	Web

09/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76123	Web

09/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28212	Web

09/03/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NV 89032	Web

09/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89128	Web

09/01/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75040	Web

08/30/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TN 37343	Web

08/28/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NV 89512	Web

08/26/2017	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 77708	Web

08/25/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 45231	Web

08/24/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 35404	Web

08/22/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89138	Web

08/21/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77656	Web

08/21/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77656	Web

08/20/2017	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	CA 90019	Web

08/20/2017	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	CA 90026	Web

08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TN 37042	Web	Servicemember

08/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90286	Web

08/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90230	Web

08/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92833	Web

08/15/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 70094	Web

08/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90301	Web

08/14/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78741	Web

08/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90247	Web

08/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90247	Web

08/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90044	Web

08/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92506	Web

08/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90805	Web

08/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90305	Web

08/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90221	Web

08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94591	Web

08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91001	Web

08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90037	Web

08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77088	Web

08/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90731	Web

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90034	Web

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90247	Web

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92551	Web

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90707	Web

08/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89138	Web

08/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90043	Web

08/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90211	Web

08/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95819	Web

08/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90305	Web

08/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

08/04/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76227	Web

08/03/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Web

08/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90211	Web

08/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Web

08/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90044	Web

08/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95993	Web

08/02/2017	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	CA 91335	Web

08/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89183	Web

08/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38114	Web

08/02/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76227	Web

08/01/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 77072	Web

08/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90305	Web

08/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90302	Web

07/31/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 93701	Web

07/31/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90034	Web

07/31/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90250	Web

07/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93277	Web

07/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90620	Web

07/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web

07/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90061	Web

07/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91331	Web

07/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90222	Web

07/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90745	Web

07/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Phone

07/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75137	Referral

07/25/2017	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 Problem with personal statement of dispute	TX 75238	Web

07/25/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	KS 66221	Web

07/25/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76111	Web

07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90707	Web

07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90247	Web

07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90016	Web

07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90034	Web

07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web

07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90731	Web

07/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90305	Web

07/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web

07/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web

07/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71280	Web

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90247	Web

07/19/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 95819	Web

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90221	Web

07/19/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 90805	Postal mail

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Web

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90247	Web

07/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90305	Web

07/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90305	Web

07/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90745	Web

07/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95993	Web

07/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91335	Web

07/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Web

07/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90302	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89183	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90250	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90211	Web

07/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38114	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90061	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37404	Postal mail

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93277	Web

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90222	Web

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90602	Web

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90026	Web

07/11/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53546	Web

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91331	Web

07/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71129	Web

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Web

07/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90043	Web

07/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web

07/09/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77386	Web	Servicemember

07/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75077	Web

07/06/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85226	Web

07/04/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web

07/04/2017	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 75241	Web

07/03/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75040	Web

07/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90043	Web

06/29/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70301	Web

06/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77489	Web

06/28/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77028	Web

06/27/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75253	Web

06/27/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90043	Web

06/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76661	Web

06/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web

06/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76034	Web

06/22/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77028	Web

06/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45255	Web

06/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

06/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75231	Web	Servicemember

06/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75050	Web

06/16/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93535	Web

06/15/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 76106	Web

06/15/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77096	Web

06/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77002	Postal mail

06/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77072	Web

06/09/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	NV 89141	Web

06/06/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77338	Web

06/06/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92301	Web

06/03/2017	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	CA 90044	Web

06/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77701	Web

05/31/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93535	Web

05/30/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NV 89002	Web

05/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77090	Web	Servicemember

05/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95835	Web

05/27/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 76010	Web

05/24/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 75243	Web

05/23/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 76131	Web

05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75104	Web

05/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89156	Web

05/17/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AL 36116	Referral

05/16/2017	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77070	Web

05/15/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Web

05/12/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76006	Web

05/11/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76210	Web

05/10/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77080	Web

05/10/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 77026	Web

05/10/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

05/10/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75040	Web

05/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77550	Web

05/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78232	Web

05/09/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75040	Web

05/08/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75241	Web

05/08/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75771	Web

05/08/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92301	Web

05/06/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77026	Web

05/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77520	Web

05/02/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78754	Web

04/28/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78217	Web

04/27/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 67002	Web

04/27/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 67002	Web

04/27/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78754	Web

04/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77520	Web

04/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75040	Web

04/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75241	Web

04/26/2017	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77026	Web

04/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web	Servicemember

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 76643	Web

04/20/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 76643	Web

04/20/2017	Yes	Payday loan	Can't contact lender	TX 78253	Web

04/20/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	OH 44805	Web

04/19/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 76112	Web

04/18/2017	Yes	Payday loan	Can't contact lender	TX 75050	Web

04/18/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 31907	Web

04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75056	Web

04/17/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90037	Web

04/16/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76210	Web

04/15/2017	Yes	Payday loan	Can't contact lender	TX 77090	Web	Servicemember

04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77550	Web

04/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75241	Web

04/13/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	AL 36105	Web

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75056	Web

04/08/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75210	Web

04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77087	Postal mail

04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85043	Web

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92394	Web

04/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92394	Web

04/05/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	IL 60652	Web

04/05/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 79903	Web

04/04/2017	Yes	Payday loan	Can't contact lender	TX 75104	Web

04/04/2017	Yes	Payday loan	Can't contact lender	TX 76542	Web	Servicemember

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75056	Web

04/03/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	TX 75043	Web

04/01/2017	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	LA 71111	Web

04/01/2017	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TN 38135	Web	Servicemember

03/30/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CO 80015	Web

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92394	Web

03/30/2017	Yes	Payday loan	Can't contact lender	MO 64134	Web

03/29/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77051	Web

03/16/2017	Yes	Payday loan	Can't contact lender	TX 76018	Web

03/16/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30223	Web

03/16/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CO 80247	Web

03/10/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75210	Web

03/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92111	Phone	Servicemember

03/02/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 77084	Web

03/02/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	LA 70115	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 75232	Web

03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 78220	Web

02/27/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 75040	Web

02/27/2017	Yes	Payday loan	Can't contact lender	CA 92592	Web

02/23/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75050	Web

02/20/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75232	Web

02/17/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 65616	Web

02/16/2017	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	RI 02909	Phone

02/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77036	Web

02/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60649	Web

02/15/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	MO 63121	Web

02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75231	Web	Servicemember

02/08/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75243	Web

02/04/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37013	Web

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92506	Web

01/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75088	Web

01/26/2017	Yes	Credit card	Identity theft / Fraud / Embezzlement	LA 70714	Referral

01/24/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 77365	Web

01/20/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 77040	Web

01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90011	Web

01/19/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CO 80247	Web

01/17/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 75203	Web

01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75159	Web

01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93277	Web

01/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77069	Web

01/04/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77090	Web

12/28/2016	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	TN 38001	Web

12/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60634	Postal mail

12/20/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 90059	Web

12/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	Web

12/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75026	Web

12/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77067	Web

12/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76135	Web

12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39501	Web

12/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75087	Web

12/13/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CO 80249	Web

12/13/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CA 90621	Web

12/11/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90247	Web

12/08/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 76205	Web

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90806	Web

12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78504	Web

11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85226	Web

11/19/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77494	Web

11/17/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77494	Web

11/13/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web

11/10/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	NV 89108	Web

11/09/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 91226	Web

11/08/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OR 98663	Web

11/04/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	AZ 85355	Phone

10/26/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CO 80249	Web

10/24/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OK 73013	Web

10/20/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	NY 10024	Phone

10/20/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85286	Web

10/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75232	Web

10/19/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	OR 97222	Postal mail

10/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77539	Web	Older American

10/16/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 77338	Web

10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TN 38501	Web

10/12/2016	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	FL 33584	Web

10/07/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NV 89117	Web

10/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CO 80249	Web

10/04/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	IL 60426	Web

10/04/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 95818	Web

09/30/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 92404	Fax

09/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90746	Web

09/27/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 78073	Phone

09/27/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 90221	Web

09/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75243	Web

09/17/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92054	Web	Servicemember

09/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92394	Web

09/16/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77072	Web

09/13/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 91791	Phone

09/11/2016	Yes	Payday loan	Received a loan I didn't apply for	IL 60177	Web

09/11/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	NV 89052	Web

09/07/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CO 80017	Web

09/04/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 76148	Web

08/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77072	Web

08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77025	Web

08/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75216	Web

08/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75216	Web

08/29/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 92649	Phone	Servicemember

08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91333	Referral

08/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95829	Postal mail

08/14/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 77316	Web

08/11/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78734	Web

08/10/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 94553	Web

08/07/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75248	Web

08/07/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75248	Web

08/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77065	Web

08/01/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	NV 89128	Web

07/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 94607	Web

07/21/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TN 38109	Web

07/21/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MO 64138	Web

07/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85338	Web	Servicemember

07/14/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90706	Web

07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77067	Web

07/05/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 75252	Web

06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77083	Web

06/28/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 75090	Web

06/14/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	AZ 85340	Web

06/09/2016	Yes	Payday loan	Payment to acct not credited	HI 96825	Web

06/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	KS 67037	Web

05/21/2016	Yes	Payday loan	Payment to acct not credited	IA 50021	Web

05/18/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98004	Web

04/20/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NV 89137	Web

04/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78746	Web

04/07/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CO 80550	Web

04/06/2016	Yes	Payday loan	Can't contact lender	CO 80221	Web

04/04/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 91324	Web

03/31/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MS 39047	Web

03/09/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78728	Web

03/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77047	Web

03/01/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 23059	Web

02/29/2016	Yes	Payday loan	Can't contact lender	NV 89012	Web

02/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78239	Referral

02/24/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 75204	Web

02/09/2016	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web

01/19/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	IL 60177	Web

01/13/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 76137	Web

01/04/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76537	Web

12/28/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 77070	Web

12/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	OR 97116	Web

12/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76063	Web

12/12/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	TX 75150	Web

11/20/2015	Yes	Payday loan	Charged fees or interest I didn't expect	WY 82007	Web	Older American, Servicemember

11/17/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 95352	Web

10/22/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 93458	Web

10/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90061	Web

10/14/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MO 63376	Web

10/09/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90016	Postal mail

10/07/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77360	Web

10/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78258	Web	Servicemember

10/02/2015	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	TX 78227	Web	Older American

09/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OR 97080	Referral

09/16/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	NV 89032	Phone

09/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90042	Phone

09/04/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NV 89513	Web

09/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34758	Web

08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60614	Web

08/21/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77029	Web

08/18/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CA 90805	Postal mail

08/11/2015	Yes	Payday loan	Can't contact lender	TX 78852	Web

07/17/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CO 80229	Web

07/16/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75126	Web

07/10/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 78229	Postal mail

07/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 93436	Web

06/30/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76131	Web

06/29/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 90002	Web

06/27/2015	Yes	Payday loan	Payment to acct not credited	TX 78683	Web	Servicemember

06/24/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75210	Web	Servicemember

06/02/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	AL 35405	Web

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75093	Web

05/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	KS 67050	Web

05/07/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 78840	Web

04/09/2015	Yes	Payday loan	Received a loan I didn't apply for	TN 37421	Web

04/02/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75092	Web

03/27/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75205	Web

03/19/2015	Yes	Payday loan	Received a loan I didn't apply for	CA 90247	Web

03/15/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75212	Web

03/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77316	Web

03/04/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 92078	Web

02/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92663	Web

02/25/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 90025	Web

02/24/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	DC 20020	Web

02/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75010	Web

02/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	KS 67050	Web

02/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60406	Web

02/06/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 91764	Web

02/05/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 76123	Web

01/30/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77386	Web

01/27/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MD 21701	Phone

01/23/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 92335	Web

01/20/2015	Yes	Credit reporting	Incorrect information on credit report Account status	TX 77041	Web

01/14/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX 75116	Web

01/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77057	Web

01/09/2015	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	TX 75231	Web

01/09/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 75093	Web

12/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77068	Web

12/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71270	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77065	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77064	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77084	Web

12/11/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 75093	Web

12/08/2014	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	AL 35244	Web

11/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NV 89444	Web

11/18/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75075	Postal mail

11/14/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NV 89169	Web

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98223	Web

10/28/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NV 89107	Phone

10/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90046	Postal mail

10/20/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 78640	Web

10/10/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	AL 35226	Web

10/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75189	Web

09/22/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	OR 97233	Web

09/15/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 77066	Web

09/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75070	Phone

09/06/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 92122	Web

09/05/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77012	Web

09/04/2014	Yes	Payday loan	Can't contact lender	CA 92882	Web

09/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	LA 71201	Web	Servicemember

08/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 95135	Web

08/29/2014	Yes	Payday loan	Payment to acct not credited	CA 90250	Web

08/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92626	Web

08/27/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 75093	Web

08/15/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78410	Web	Servicemember

08/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MS 39212	Web	Servicemember

07/29/2014	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	CA 91306	Web

07/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77083	Web

07/11/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76120	Web

07/07/2014	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

07/07/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	AZ 85260	Web

07/04/2014	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	WI 54011	Web

06/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60690	Postal mail

06/23/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	MO 63021	Web

06/19/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 78758	Web

06/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90706	Postal mail	Older American

06/15/2014	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	HI 96823	Web

05/29/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85282	Web

05/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92354	Web

05/13/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75115	Phone	Servicemember

05/08/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 76182	Web	Servicemember

04/28/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	KS 66208	Web

04/14/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	OR 97210	Web	Older American, Servicemember

03/27/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MS 39564	Referral

03/26/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	KS 67205	Referral

03/24/2014	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 91306	Web

03/20/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76112	Web

03/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77489	Web

03/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76528	Fax	Servicemember

03/08/2014	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	MO 64114	Web

02/10/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	CA 91352	Web

02/08/2014	Yes	Debt collection Payday loan	False statements or representation Indicated shouldn't respond to lawsuit	CO 80123	Web

02/08/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32780	Web

02/03/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NV 89123	Postal mail	Older American, Servicemember

01/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75035	Web	Servicemember

01/03/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 75052	Web

01/02/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75252	Web

12/29/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OR 97230	Web

12/21/2013	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 37387	Web

12/14/2013	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91214	Web

12/02/2013	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	KS 66062	Web

11/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89130	Web	Servicemember

11/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89130	Web	Servicemember

11/25/2013	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	TX 75067	Web

11/16/2013	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 92404	Phone	Servicemember

11/12/2013	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 92324	Web

10/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 84098	Web	Older American, Servicemember

10/26/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75211	Web

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77080	Phone

10/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35757	Web	Older American

09/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 90020	Web

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77064	Referral

09/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75002	Postal mail

08/12/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 91767	Web

08/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95758	Web

08/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63033	Web	Older American

07/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95746	Postal mail

06/07/2013	Yes	Credit reporting	Incorrect information on credit report Account status	CA 91765	Referral