| 06/05/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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NOTICE IN RESPONSE TO CFPB PLEASE ATTACH ANY, IF ANY DOCUMENTS THAT SUPPORT YOUR RESPONSE From : XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hereinafter collectively referred to as Claimant To : ADVANCED COLLECTION BUREAU Hereinafter collectively referred to as RESPONDENT, you, your company RE : Alleged account that is not mine XX/XX/XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern I RECENTLY PULLED MY CREDIT FILE AND SEEN THAT THIS ACCOUNT DOES NOT BELONG TO ME. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If th
e consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 any 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.
XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as DELETED ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally DELETED ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) Five Thousand Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, __________________________________ XXXX XXXX CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B c
all schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Disputing the Debt, Dated : XX/XX/XXXX.
By : _____________________________________________ ( expressly all rights reserved ), Real Party in Interest, Live breathing man.
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| 01/24/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN RESPONSE TO : XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT advanced collection bureau To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Furthermore, this letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is 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. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.
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 that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.
XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 01/05/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEAPRTMENT ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$770.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$380.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$720.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$390.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$530.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$770.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$380.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$720.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$390.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$530.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have contacted XXXX provided a police report when my purse was stolen and I became a victim of identity theft since XXXX. I have contacted these collection agencies asking them to verify and validate the debt and I have received nothing but a violation of HIPPA from 1 out of 27 collection agencies. I have fought this battle of trying to remove the fraudlent activity since XX/XX/XXXX. XXXX will not remove these inaccuracies at all they are fraudulent and are not my any means consented by me. XXXX sent me a credit report informing me to call the collection agencies which I have only to be hung up. These collection agencies threatened me with jail and liens and even harassed my job. Im in desperate need to get this fixed I cant even get equipment for my daughter who is XXXX because someone has ruined my credit. I have done everything XXXX has asked of me only to receive no results. I have even paid for extra privacy and alerts through XXXX to still have no results but a waste of time and money.
Collections : XXXX XXXX-1 item Dba XXXX XXXX-1 item XXXX XXXX-1 item XXXX XXXX-25 items XXXX items XXXX- 1 item Addresses : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX # A XXXX fl XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I hAve tried to even these addresses to try to see if maybe I could figure out who stole my identity and most of them dont even exist I have never lived here.
Inquires- XXXX/XXXX of XXXX XXXX XXXX XXXX/XXXX of XXXX Please remove Im not currently car shopping and wont be for another 3 years these are not authorized by me. I talked to XXXX and of course they told me to call the company that made the inquiry and of course I visited the business and they couldnt tell me anything but it was made over the phone and I would need to contact XXXX for it to be removed. I did contact XXXX once more and for some odd reason when I ask to speak to a manager The line gets disconnected.
I have sent numerous letters and phone calls to these companies and XXXX I have paid for extra fraud protection and added a fraud alert to still end up with no result.
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| 01/05/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/02/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (
company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of
debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter
very serious ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
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| 05/14/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
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| 09/04/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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on XX/XX/2021 I received a letter from Advanced Collection Bureau falsely stating that I owe money to them and that XXXX XXXX is the creditor when in fact I am the original creditor. The business seems to be impersonating a government office by using the name bureau and has no right to contact me and has been informed to cease and desist by certified mail : https XXXX XXXX XXXXXXXXXXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail I do not owe any debt and in fact believe there has been a surplus amount of monies made associated with account number ACCOUNT NUMBER XXXX. I have reason to believe and do so believe Advanced collection bureau was credited from my principle obligor trust account and money which has been credited to the bank has been missed to make investments in favor of Advanced collection bureau using this account ending in XXXX. IF this assumption is true I demand redirection of all prior payment into the name of the consumer on the original transaction, as I am not nor have I ever been aware of the trading, monetizing and hypothecation compensation a XXXX point XXXX per centum on all monies gained associated with this account as this transaction has not been equitable to me, if my assumption that I truly funded and credit this account has been making monies have been made in my principle obligors name XXXX XXXX. I demand any monies made from this transaction be returned to myself as the original creditor.
I am disputing this alleged debt. I am invoking my specified remedy as a original creditor pursuant to 15 US Code 1692c ( c ) ( 2 ) and pursuant to a15 US Code 1692 I demand you cease any communication and collection activities of this alleged debt.
I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 49 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principle obligor.
I have reason to believe and do so believes, without all requested documents in the affidavit herein there can be no such proof of claim by advanced collection bereau and XXXX XXXX would be liable for creating a false and deceptive form under 15 US code 1692.
I have reason to believe and do so believe that Advanced collection bureau is committing fraud by having my personal information without my consent and I demand that they pay the invoice requested
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| 04/28/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 03/23/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am a XXXX person, since a car accident in XXXX.
In XXXX, XXXX, I lived in an apartment at XXXX XXXX in XXXX. NE, for XXXX days. I was never allowed to see inside the apartment before moving in, and had to wait some time after paying my deposit to move in. When I did move in, I discovered that environmental toxins in that apartment made me very sick. I immediately contacted the agent who had rented the apartment to me. She assured me that moving out was fine, and that I would owe nothing more than the month for which I had already paid, because she had a waiting list of people whod be happy to get that apartment. Because I had never moved in fully, I left everything at least as clean as when I moved in.
I have since been diagnosed with XXXX XXXX, a neurological condition that has, among other symptoms, high sensitivities to chemicals. This explains the physiological and inescapable reason why I couldnt live in this apartment, which was right next to the buildings laundry room, and therefore filled with the chemistry of others laundry detergents, dryer sheets, etc. Ive known for much longer than my diagnosis has confirmed that I was chemically sensitive. And had I been able to actually see this apartment prior to move-in, I would not have moved in.
Months later, I discover that the management company for XXXX XXXX has decided to tack on an {$850.00} move-out fee, something which I was assured upon move-out that I did not owe. Sadly I didnt get it in writing, but I was told by the rental agent that she had contacted her supervisor, and they were waiving the fee for me because of my illness, and because they could fill the apartment immediately.
The first notice I had that I owed anything was from a collection company. I learned that XXXX XXXX has sent notice of this fee to the mailbox associated with the apartment where I had spent only XXXX days, and had never received any mail! Of course, I had neverand still have neverseen the letter, nor any documentation of this fee. Ive made phone calls to the management company, and they assert that because they decided after the fact that I owe this, I have no recourse. I have, of course, disputed this fee with XXXX, but it continues to appear on my credit report, and to affect my credit score.
I understand that this is a rather common predatory practice by apartment management companies, and I just want this item removed from my credit report. Thank you so much for whatever you can do to remedy this situation.
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| 12/23/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Advcollbur Opened XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX AND ANY OTHER COLLECTION ASSOCIATED WITH MY NAME AND SOCIAL PLEASE REMOVE, THEY DO NOT BELONG TO ME ATTENTION DISPUTE DEPARTMENT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XX/XX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 06/09/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I received a random call from Advance Collection Bureau in XXXX of 2023 stating that I owed two different medical debts for services that I can not confirm are true or accurate. On the phone I requested information pertaining to the debt owed which included an itemized bill, who the original creditor was with address, and stated without a doubt that I was disputing the medical debts as I have yet to receive a bill related to any owed medical debts from any potential alleged creditor. The individual informed me that I needed to provide the dispute in writing and I immediately requested them to mail everything to the address on file including all details pertaining to the debt as I did not have an address to communicate with Advance Collection Bureau in writing. The individual told me that he was going to submit the bills to the credit bureau if I did not pay the bills of which I informed him that submitting debts to the credit bureaus was a violation under FCRA and medical debt under a specified amount was not allowed to be submitted. He told me he could and would do it and then hung up on me. Since I did not receive any paperwork as is required within the 30 days of the request and notice to dispute, I thought the matter resolved until today when I saw an alert on my credit monitoring of debts issued by this company in these amounts. It was only then that I had a name for the company that was saying I owed medical debt.
To date, I have yet to receive any communication regarding the two debts. On the phone I was told the first debt was for {$97.00} and the credit alert cites the bill is for {$93.00} and was reported to the credit bureaus in XX/XX/2023. The second debt was reported as being {$1300.00} and submitted to the credit bureaus in XX/XX/2023. As of this filing, I am still waiting on communication from the debt collector to accurately account for the debt in the manner in which they are legally responsible to communicate with me as I told them to no longer call me and that all communications must be in writing.
Advance Collection Bureau has failed to adhere to the basic requirements of consumer debt laws and other protections in place to include the reporting of medical debt that is less than {$500.00} to the credit bureau. Additionally, I never signed a HIPAA release form with Advance Collection Bureau regarding this debt and therefore I believe my HIPAA rights have been violated with their handling of my medical debt file.
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| 09/20/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX
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| 09/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Reported : XX/XX/XXXX - {$500.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX XXXX, XXXX - {$500.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 02/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 10/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/08/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
|
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Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BUREAU INC ACC # XXXX This account was reported to the consumerfinance.gov as a fraud account with a previous XXXX XXXX # XXXX it was removed from my credit report As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX I am requesting those documents as fallow 1-need a copy of your license to collect in my state ; and 2-Provide me with your license numbers and Registered Agent.
3-investigation report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
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| 05/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays Date : XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : ADVANCED COLLECTION Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 03/08/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 07/04/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX ADVANCED COLLECTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 12/14/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Advanced Collection Bureau continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Advanced Collection Bureau reported this entry to my reports on XX/XX/2019, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing.
My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Advanced Collection Bureau. To that end, I sent a letter to Advanced Collection Bureau ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Advanced Collection Bureau is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX XXXX XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt.
Advanced Collection Bureau is a copy of the financial responsibility page as requested, nor did they provide a copy of the signature page with the provider of service to release my alleged information to them, as well as cease any credit bureau reporting until the debt has validated by me and they did not cease.
It is obvious that Advanced Collection Bureau is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
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| 04/15/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ADVANCED COLLECTION BU XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
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| 03/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATEXXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In the past I have paid medical collection bills with other agencies and they immediately remove the collection from my account on their next reporting cycle. Today I spoke with Advanced Collection Bureau in XXXX, FL about a {$710.00} collection they have on my credit report. I asked them if I paid it would they in return completely remove the item from my credit as others have done in the past. ( Keep in mind that I know it is at their discretion to leave the item on my report and just report it as paid. ) The lady at first insinuated that if i paid the XXXX that she could completely remove the item. She then said, wait you have 3 other accounts. Two of the accounts totaling < {$40.00} combined are from XXXX, no problem. The final account is for 300+ from XXXX. That's a problem because not only could she not be clear on the original owner of the account ; she eventually said it was lab results or testing of some sort, I don't recall having any medical events 12yrs ago in XXXX of XXXX. Once she discovered and disclosed these additional 3 old accounts to me she said the only way I could have the {$710.00} collection that currently shows on my credit completely removed is if i pay the full amount of XXXX dollars equivalent to all the accounts, old and new. As i mentioned before i'm aware they can completely remove or mark the collection as paid and leave it on my report. I was not aware that they had the power to extort me over a 12 yr debt that i had no idea about. It's my understanding that each of these accounts should stand on their own. A twelve yr old account that I know nothing about should not have any bearing on how they choose to report a 4 month old paid account on my credit. To extort me over a 12yr old account is unethical. The lady was not concerned in the least when I told her i was filing a complaint with your office. Nevertheless I paid the {$710.00} balance in full for the one item that can actually legally show on my credit report. I would like someone to reach out to me as well as Advanced Collection Bureau in XXXX and let us both know if this is a fair practice. I've never received a single piece of mail concerning any of the accounts I supposedly have at Advanced Collection Bureau
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| 08/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him.
After a few months he left the apartment and defaulted on the lease.
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month.
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX XXXX.
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment.
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case.
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
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| 02/25/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Fl.
XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 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 notify ADVANCED COLLECTION 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 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ADVANCED COLLECTION acc # XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
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| 01/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX.
I recently submitted a request for investigation of an Acct Number : ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$1300.00} ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$410.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$100.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$54.00} Needs Attention Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 04/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN RESPONSE TO CFPB : XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting You have refused to fallowed the credit reporting act 605b Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods The account and those inquired are fraud ADVANCED COLLECTION BU XXXX Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
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| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXPrint ADVANCED COLLECTION 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 ADVANCED COLLECTION 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 Commissions 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 : ADVANCED COLLECTION XXXX 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 SOC SEC # XXXX DOB XX/XX/1988 XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 09/22/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX and XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX 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 ADVANCED COLLECTION or any company associate with this account # XXXX XXXXand 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 : ADVANCED COLLECTION 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 XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 08/01/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL 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 ADVANCED COLLECTION 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 : ADVANCED COLLECTION 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, FL XXXX
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| 12/05/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX 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 ADVANCED COLLECTION or any company associate with this account # XXXX 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 : ADVANCED COLLECTION 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 XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have paid a collection account on my credit recently. The agreement was made that if I were to pay the same day with a payment of {$3000.00} on XX/XX/XXXX, the account would be brought to {$0.00} and removed from my credit reports. I have tried multiple times to contact the Collection company for a resolution to clear this as agreed upon yet no actions have been taken and I have been constantly ignored. I have attempted to dispute with the Credit Bureaus themselves, but I havent had much luck either. For a brief summary of the events, I was struggling financially in XXXX due to XXXX, XXXX, & work-hour reduction. Therefore, I seeked help from the City/Municipal office when they released a program for Relief on Rental Assistance due to XXXX ( XXXX ). It was expressed to me that everything would be addressed & handled. Unfortunately there was various forms of miscommunication, untimely responses, unqualified representatives, & unprofessionalism in between that led to the rent go unpaid for months & by the time I was properly notified, legal action was taken & expedited by the Apartment complex management and I had to leave on a very short notice. Never did I physically meet or speak with anyone by phone from the Apartment complex about the entire situation. ( The only communication had was by email & text once the situation was escalated. ) The account went into to Collections soon after, and was sitting there ever since until now, when I've been able to sort of recover economically. I am seeking to buy a home of my own now but this issue with this {$0.00} Collection Account on my Credit Reports is reflecting negatively, which also is affecting my progress. Its been a hard, long struggle, and I just want the Debt Collection/Creditor Company to do what we agreed upon & finally move on in our separate ways!!!
|
| 06/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, my roommate, XXXX XXXX XXXX, and I moved into an apartment together at XXXX XXXX XXXX in XXXX XXXX, XXXX. I was only XXXX years old and my father had just passed away two weeks previous. My mother lived in XXXX at the time. After I had been in this apartment for a while, I became rather depressed and wanted to go move in with my mother. XXXX and I inquired at the leasing office about taking me off the lease. They were agreeable to it and on XX/XX/XXXX we both signed to remove me from the lease and I left for XXXX shortly after that. I didn't keep in touch with XXXX XXXX after leaving XXXX but about XX/XX/XXXX I discovered I was included in the issues that the apartment complex had with XXXX XXXX that involved non-payment of rent, and an unapproved pet, and eventual eviction.
None of these things happened while I was on the lease and living in that apartment. Yet, when the debt got turned over to a collection agency they included me in the complaint. This is not my debt and I am attaching two documents proving that I was in fact removed from the lease and that I left XXXX shortly after being taken off the lease via my plane ticket purchase from XXXX.
I have contacted the apartment complex multiple times, and tried talking to the collection agency they turned it over to ( Advanced Collection Bur ). The collection agency insists with XXXX that this is in fact my debt even though I submitted evidence to the contrary. I don't understand why proof that I was removed from the lease is not enough for XXXX to take it off my credit history. I am also having the SAME problem with XXXX and XXXX. Every time I dispute it, Advanced Collection Bur comes back and claims it is valid, but they have no proof to back this up. I have proof it is invalid. How are they allowed to do this to me?
|
| 09/22/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ADVANCED COLLECTION BUREAU, INCXXXX XXXX, FL XXXX XXXXXXXXTEL : XXXXXXXXDear 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 notify ADVANCED COLLECTION ACC # 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 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 reportPlease send me a letter explaining what you have done to : ADVANCED COLLECTION ACC # XXXX 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 requestThank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX BAY, FL XXXX
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| 03/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted the collection company and XXXX disputing this debt many, many times. I have requested information under FCRA, asking XXXX to provide me with proof and documentation of their verification process, and also I have requested the collection agency to provide me with documentation bearing my signature showing This debt belongs to me with an agreement, signed showing I supposedly owe this money. All attempts have failed. This collection agency and hospital has also violated my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I have requested proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.
Please also be advised that this complaint is not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.
I require compliance and a response to this compliant, 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 the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of state medical privacy rules.
I also hereby reserve my right to take private civil action against the hospital and collection agency to recover damages.
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| 04/27/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I resided at XXXX XXXX apartme nt ( XXXX XXXX XXXX ) from XXXX to XXXX . I moved out at the time that was lease was over and moved into a sister building owned and managed by the same company right around the corner. A year ago I pulled my credit report and realized there was a collection from Advanced Collection Bureau Inc. I co ntacted the company and told them that I did n't know or understand why this account was reporting on my report. I informed them that I had an outstanding debt from the sister building owned by the same company and I handled that debt. She requested that I send that documentation over. I kept sending via email and fax. The lady stated she never received the documents that I sent. I began to get frustrated with the ordeal and took a break on trying to resolve it, as I realized that it was deleted from my report and added back on. A few months ago, I reached out to the company again as its the only item that I still had in collections that I could n't wrap my finger around. I spoke with XXXX and went through the same steps that I went through with the previous lady. He told me that 's great that you settled that but this is another debt that is yours and you need to pay. I explained to him that I do n't understand how this debt is mine if I were never contacted regarding this and I was living i n one of th eir buildings at the time it went into collections. He said he did n't know but I need to pay the debt. I asked him to validate that the debt was in fact mine. He sent me an itemized receipt that is barely readable with wrong contact information on it.
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| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.
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| 03/08/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I entered an apartment lease right before the coronavirus pandemic hit in XX/XX/2020. So they knew I was XXXX XXXX XXXX XXXX XXXX XXXX. They obviously had all my pay stubs and such. I was also getting out of a XXXX XXXX situation which required a lot of help. My abuser ended up finding my location and the situation became dangerous. The schools were closed by XXXX so I totally lost my income. On top of all this the apartment manager did not disclose that there was a bug infestation in my apartment before move in. I have severe XXXX. I ended up in the emergency room twice while living there do to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not know that maintenance men and bug spayers would be entering my apartment at their own leisure which they also did not disclose in my lease. I paid my lease up to XXXX and was fully moved out by XXXX. I explained to them that I clearly did not have an income through no fault of my own. A direct result of the pandemic as well as my health issues including XXXX XXXX XXXX exacerbated by men coming in and out of my apartment when I have XXXX and just exited a domestic violence issue. I am not responsible for a global pandemic that ended my work and I am not responsible for them entering my apartment at their leisure. As long as I pay rent it is my personal space not to be infringe upon especially as a victim of violent crime and none the less. I do not owe Advanced Collection BU XXXX XXXX XXXX XXXX, Fl XXXX
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| 12/22/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
I complaint is regarding this collection agency that is reporting a collection account on my credit report of a fraudulent balance. If they are going to purchase debt then they should be sure that is valid debt. I received a notice from this debt collection agency starting around XXXX regarding an owed balance. When contacting the agency regarding the discrepancy of balance, I was pretty much advised that I would need to establish a payment plan in order for contact to the original debtor to validate the debt could be done. I declined as I did not owe the reported balance. Validation of debt was being requested as the original debtor sent me a letter to advise of security deposit withheld and other fees. I responded back as Florida landlord 's must attempt to minimize their damages in which this company did minimize damages as they collected rent om my old unit from new tenants for XXXX XXXX. The management company / lawyer sent me an adjusted balance as the current balance being reported included a rent fee for XXXX XXXX and I was no longer responsible as management can not collect double rent on the same unit for the same month. I have disputed this balance with original debtor who advised that my debt no longer belongs to them and they refer me to the collection agency. I have disputed the balance with credit bureau to no avail.
|
| 09/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Advanced Collection Bureau INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/21 Acct # XXXX Re : CEASE and DESIST To Whom It May Concern, I am the original creditor, consumer, and natural person XXXX XXXX XXXX. ADVANCED COLLECTION BUREAU INC has damaged my name and reputation. Your corporation has displayed offensive acts towards me as a consumer and such unauthorized use that didnt serve me any benefit.
You violated my right to privacy 15 USC 1681b. You also violated 15 USC 1692c ( C ) and lastly youre currently in violation of 15 USC 1692e, false representation.
Pursuant to 15 USC 1692c ( C ), I am notifying you and demanding that you cease all communication with me through all mediums UNLESS your corporation is describing to me the direction of which you intend to send my remedy back to me.
Pursuant to 15 USC 1692c ( C ) 2- I am invoking my specified remedy as the original creditor and federally protected consumer, I am demanding the following : 1. Deletion of this account from all my consumer reports and to stop reporting illegal activity on my files.
2. Refunding my credit in the amount of {$3500.00} as per 15 USC 1635, I have the right of rescission and shall receive all money involved in the form of a check, to the address in this letter.
Best Regards, XXXX XXXX XXXX
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| 10/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I moved out of XXXX XXXX XXXX ( XXXX : XXXX XXXX ) in early XXXX, 2015. On the Move Out Statement received from landlord after I had moved out, I was charged an additional {$1000.00} full rent for XXXX, when I only remained a few days, and should have been charged a pro-rated amount. They also charged me for a full month of XXXX rent. Additionally, I did not have a current lease in place ( renting month to month since last lease was never renewed ) but was charged a {$1000.00} Rent/Lease Break fee. A lawyer even suggested I take the landlord to court because I paid my rent despite the sub-standard conditions of the apartment, including lack of air conditioning and basic heat. They claim I owe {$3000.00}. I have disputed this amount several times, with no satisfactory response. They also kept all of my security deposit of ( {$1400.00} ) and pet deposit money. This should have been more than enough to cover the pro-rated rent for XXXX.
Delaware 's Attorney General XXXX XXXX filed a litigation against the landlord alleging violations of the Consumer Fraud Act. Tenants reported numerous complaints of heating and air conditioning problems, broken appliances, plumbing issues and lack of response to maintenance calls. Images of the inside of my apartment are attached to show you what I'm talking about.
|
| 08/05/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XX/XX/XXXX at approximately XXXX I received a call from XXXX XXXX with advance collections bureau in regards to account XXXX creditor XXXX XXXX {$1700.00} I was very confused when I received his call I had no idea what he was taking about I asked XXXX to please provide documentation for what he was taking about he later sent me an email with a move out invoice a lease agreement from XXXX XXXX apartments after I review the information I recognize the account o signed 6 months lease for apartment number XXXX XXXX XXXX with XXXX XXXX apartments in XX/XX/XXXX. 2 weeks into the lease the apartment upstairs cought on fire and I was ask to move out because my apartment had water damage and the roof could collapse. Now a year later I receive a call from a collection agency claiming I have a past due balance with XXXX XXXX apartments for apartment number XXXX please note I never signed a lease for apartment number XXXX. The lease I sign was for apartment number XXXX. Today XX/XX/XXXX I received another email from XXXX with a different amount of {$1000.00} but again no lease agreement for apartment number XXXX. He sent me a copy of the lease agreement for apartment XXXX where it shows clearly that someone changed the number XXXX to a XXXX. Please see images below.
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| 08/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
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Web |
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I have not received any correspondence to my address or phone calls.
I spoke on XX/XX/XXXX with a Representative. They sent me a letter on XXXX the first notice, and They sent the letter to the wrong address. After someone who wasn't me called. They mention that they had left many voicemails but based on the Collection Act, once they leave one voicemail, they can not contact me ; I am not sure if that's how it works. They sent me only one communication for the file reported in XXXX, and that has been the only attempt, but they keep reporting me to the XXXX.
I am disputing the account numbers below.
XXXX XXXX XXXX I am requesting validation made according to the Fair Debt Collection The Practices Act, the Fair Credit Reporting Act, and local state laws. 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.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and 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.
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| 04/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX who is merely only a collection manager at Advanced Collection Bureau seems to believe he is correct that these debts belong to me. He then goes on to tell me and put me in duress by telling me it is my responsibility to provide a proper mailing address. This is a threat to me and this is coercing me and putting me in duress! I do provide proper mailing addresses. It is on the duty of the Post Office and Letter Carriers to ensure proper delivery or to ensure notices are left for items which contain signatures if not present. However, the Post Office and Letter Carrier failed. XXXX XXXX has failed improperly reporting these accounts with multiple inaccuracies. With that being said XXXX XXXX needs to know that these debts belong to my ex spouse. And who is XXXX XXXX to me as there is that signature relating to the contract? You can clearly see my name has only been used but I have not signed! When did I undergo all these surgeries? I will report Fraud and Identity theft and XXXX XXXX will be held liable if these accounts are not removed. There is no more room for negotiation! XXXX XXXX is only acting on hearsay! My information was used without my consent! See the attached PDF. How can XXXX XXXX by law legally say I owe these debts?
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| 12/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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IN RESPONSE TO CFPB : XXXX Legal Department XX/XX/XXXX To whom it may concern : As per my credit report, ADVANCED COLLECTION BUREAU obtained my credit file on XX/XX/XXXX.
I don't recall applying for credit or employment with XXXX XXXX.
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX.
Please respond via CFPB to Sincerely,
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| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I attempted to rent an apartment and was denied. Why? I went to check my credit report and to my surprise, I have XXXX XXXX XXXX, Advanced Collections Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX all have negative information to all the credit reporting agencies- XXXX, XXXX and XXXX. I wrote all of them letters demanding validation and proof of claim in accordance with Fair Debt Collection Practice Act, 15 USC 1692 and the Fair Credit Billing Act 15 USC 1666 et seq. You see I do not know or have any contract with any one of these collection agencies and never gave any of them written permission to report any information to the credit reporting agencies. This has violated me under 15 USC 1681 b ( 2 ). By doing this, they have committed identity theft under 18 USC 1028a. None of these agencies was able to provide proof and has ignored my request. Nothing was removed from my credit report. These agencies has caused damages to my mental and physical health. Letters were sent out to all of these companies on XX/XX/2023 and nothing was done. I continue to get denied when I apply for credit or rent an apartment. XXXX XXXX XXXX, Advanced Collectons Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX has ruined my life.
|
| 09/15/2015 |
Yes |
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- Communication tactics
- Frequent or repeated calls
|
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Web |
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My roommate and I were evicted from XXXX XXXX XXXX in XXXX, NC back in 2013. We only owed one months rent which was just about {$900.00} but once turned over to Advanced Collection Bureau they tacked on extra fees totalling {$2700.00}. They have called me repeatedly and asked me personal questions about my income taxes and recommended that I send my entire check to them. I was told that I will never be able to get an apartment in my name again. When I asked to speak with a supervisor I was told I did not need XXXX and I just needed to pay the debt. Representative was very rude. The apartment complex is no longer in existence they are under new management and I contacted that particular office and was told that they do not have any record on file of my roommate and I owing any money to them. So if Advanced Collection Bureau is no longer collecting the debt on behalf of XXXX XXXX then they are pocketing the money themselves! We did not get our {$500.00} deposit back and it should have been applied to the balance left after we moved so I do not understand why the amount in collections is so high. I will take this to court I will not pay for something I do not understand.
|
| 03/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
When calling the agency reporting on my credit I spoke to a rude man. He would yell over me and would not give me direct answers. He kept using tactics as go to a hospital and dont pay thats great. I advised him of a XXXX and XXXX I had but the debt has been paid. I wanted to verify what this was from. Instead of giving me the information he insisted they already gave me a discount and pay my bills. He was rude and threatening. I ask to speak to his manager and he stated there was no manager and would not allow me to speak with someone else. I later called and spoke to his manager. I gave my complaint about the employee but he insisted with the same behavior and tone. I felt as they were harassing me over the phone. They used terms like we gave you XXXX of dollars off I had the treatment done and pay the bill. Why do they have any right to make any statements regarding my personal medial Information or even form an opinion. They tried to scare me and make me think I better pay without questions.
XXXX XXXX was said employee and XXXX XXXX was said manager. Phone number XXXX I called on XX/XX/21 and XX/XX/21 I am going on circles getting no where but harassed.
|
| 06/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number.
She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers.
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Incorrect Derogatory Medical Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX.
Advanced Collection Bureau continues to knowingly, willfully, and recklessly violate my FCRA and HIPPA rights by reporting an incorrect, invalid medical debt and collection account. The information reported is derogatory, contains medical information, affects my ability to obtain proper credit, and defames my character.
I have attempted to remedy the invalid, incorrect reporting myself however, Advanced Collection Bureau INC refuses to respond, provide proper proof per FCRA regulations to me, or remove it as evidenced by the documents included in this complaint.
USPS Certified Mail Letter : XXXX USPS reports " Delivered, XX/XX/2020 at XXXX XXXX Delivered, XXXX XXXX XXXX, FL XXXX '' Advanced Collection Bureau , INC does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. It reports " XXXX XXXX '' on my credit reports, personal medical information. This is not my debt. Advanced Collection Bureau , INC is incorrect in reporting this to XXXX, XXXX, and XXXX on my credit reports.
|
| 09/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt is for an apartment that upon moving into the unit there were plumbing issues, and the apartment was not up to code. The unit was being paid for by XXXX XXXX as I am a veteran. Upon learning of the living conditions my case manager with XXXX XXXX advised me to speak with the apartment manager and get the issues with plumbing resolved or I was entitled to move out free of penalties or any kind of damages to my rental history. Spoke with the apartment manager and she agreed to allow me to move out. I only lived in the apartment for a matter of less than 10 days and all the time I lived there was paid for with the veteran rental assistance program with XXXX industries who guaranteed 100 % of the rent while in the program. No damages were left to the property, fulfilled agreement with apartment manager. Now this is affecting my credit and rental history and it is completely unacceptable. If this is not removed from my credit, I will be seeking legal action against all involved parties. No formal eviction process was filed, and no financial responsibility whatsoever from the court systems were assessed at anytime.
|
| 12/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Double billing : This happens when the same bill is submitted multiple times when the procedure was performed only once. ( for my case, I've never seen a doctor, it was a 15-minute chat with a clinical nurse. ) I, XXXX XXXX, XXXX the problem in a clarity of speech as result of the documented XX/XX/11 XXXX post-disaster health problem. I have been sent by XXXX ( XXXX XXXX XXXX ) to XXXX XXXX XXXX for a yearly check up. Never see a doctor, it was a 15-minute chat with a clinical nurse only. The visit was paid by XXXX ( XXXX XXXX XXXX ). Since then the XXXX XXXX XXXX and Advanced Collection Bureau keep harasting me for a years. They trying to get another {$300.00} for already paid visit ( which was actually not a doctor visit ). The agent of Advanced Collection Bureau refused to work with me without me giving updated (??? ) info to resolve issue of Fraudulent Charge. They sent a negative information to the XXXX Credit Bureau and spoiled my FICO.
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is a collection on my XXXX account in the amount of XXXX XXXX which was placed on my account on XX/XX/2022 for an eviction. This debt is not accurate as of date, and should be expunged. I appeared before a judge on XX/XX/2022 and explained my whole case and situation to them. My case was thoroughly presented to the courts. After undergoing careful deliberation, the judge ruled in favor on XX/XX/2022 to sealing the eviction without objection. This ruling signifies that the eviction was not intended for disclosure or utilization against me, including financial responsibilities. The sealed status renders me exempt from any obligation to settle outstanding dues linked to this matter. Therefore, I respectfully urge you to assess my situation and take the essential measures to eliminate the connected debt from my records. I have reached out to this collection agency multiple times to try to resolve the issue with them. I also provided them with the court ordered document that was obtained from a judge, and they refuse to respect the document.
|
| 11/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was checking my credit report as I always do when I noticed an alleged debt in the amount of {$4300.00} furnished on my credit report by a company by the name of Advanced Collection Bureau Inc. I immediately called the number that was listed as a point of contact and asked them how did they feel this debt was an actual debt belonging to me. I also demanded that they provided me with all pieces of evidence including but not limited to identification cards, original documents and other personalized details that XXXX give them the impression that this debt belonged to me. Instead of receiving this important information that was imperative to finding out how they obtained my information, I was provided by a XXXX XXXX XXXX a PHOTOCOPIED LEASE with the incorrect spelling of my name ( more than once ) which further proves the fraudulent activity and was told by XXXX XXXX that that was all the evidence he needed to assume that he had the authority and audacity to furnish my credit report with inappropriate information
|
| 07/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Advanced Collection Bureau, specficially its representative XXXX XXXX at XXXX, is attempting to collect a debt which they claim I owe. The alleged creditor is XXXX XXXX XXXX
First : Rather than contacting me directly, Mr. XXXX contacted my former employer ( XXXX XXXX XXXX ) and my " in case of emergency contact '', XXXX XXXX. He has left numerous messages on their voice mails about me.
Ms. XXXX told me about this on XX/XX/XXXX and I immediately called Mr. XXXX. When asked why he's calling other people, he laughed. Then he went into a tirade telling me I'm obligated to pay. I hung up on him.
On XX/XX/XXXX, he phoned the XXXX residence. At no time after that XX/XX/XXXX call has he phoned me on my cell. I've tried calling him and there is no answer.
Apparently, he works by attempting to embarass/humiliate people. I will not tolerate this and have no hesitancy in filing a complaint in Federal Court re these tactics.
Second : I've never received a debt validation letter from Advanced Collection Bureau.
|
| 12/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My account was referred to a debt agency which I reached out and attempted a settlement. The debt is approximately {$4600.00}. Upon speaking with the first agent I was told a settlement of 70 % of the debt would release liability for one party but the other party on the debt would remain responsible for the remaining balance. I did advise I would call back when I had the funds available. During the time ( less than XXXX weeks ), I received multiple phone calls on my cell phone which I did not consent to but never left a voicemail I can only furnish the phone logs, when advising the agent of TCPA laws i was advised in Florida they do not have to adhere to those laws. I continued to ask about the settlement in my last call and was advised it was never guaranteed and the " manager '' XXXX XXXX is declining a settlement. I asked the representative XXXX XXXX to pull the phone call from my original attempt and she advised me they do not record their calls and her peer is not a liar in her documentation.
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have contacted Advance Collection Bureau , Inc. on the following dates requesting validation of the account that are being reported to XX/XX/XXXX and XX/XX/XXXX. The dates are XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide appropriate validation of the account. After receiving a letter on XX/XX/2020, I called and spoke with a representative on XX/XX/2020 at XXXX XXXX, who reports that is the only information received from the apartment complex that the debt was purchased from at the time. The representative inform me that I would have to send a type letter to her manager if I need additional validation. I inform the representative that I will not be sending her manager a letter when I have requested validation four time. The representative became upset and I did inform her that I will be submitting a complaint to CFPB and she said okay no problem I will make note of that. Attached is the letter I received from the collection agency on XX/XX/2020.
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company is reporting a debt on my consumer reports that does not exist. After numerous disputes and a XXXX complaint, the company finally sent over what is has as validating documents and it is truly a joke. The documents show no proof that I owe the original creditor nor do they show exactly what this supposed debt is for. If this company had done a proper validation of this debt they would clearly see that the original creditor is overreaching and I owe them not one red cent and, if anything, they owe me money. I have attached what they have sent as validating documents and, as you will see, this company is in clear violation of several consumer protection statutes for the amount owed being reported. Business practices like this must be curtailed. It is truly disgraceful that this company calls themselves reporting a $ XXXX debt ( effectively ruining me and my family 's lives ) with the attached documents as their only validating documents. It's disgusting and shameful.
|
| 12/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a medical bill that i am paying payments on, i have notified both collectors they are not only reporting on a bill i have a set payment plan on with the original collector ( the hospital ), but im not behind on any payments. I was neither notified or anything of items going to collections. I work for the government so they provide Insurance that was supposed to handle all of these. Now i have multiple collections agencies adding collections for the same debt with multiple bureaus and these were applied to my credit only ONCE I GOT APPROVED FOR A MORTGAGE. These are from several years ago, some from XX/XX/XXXX and XX/XX/XXXX. Not only are the bills paid but they are inaccurate and both adding the same collection. Its not fair to the consumer. XXXX and XXXX XXXX XXXX are both adding collections for the same debt that is being paid to the original collector. XXXX tactics and the credit bureau or the collections service i have no contract or obligation to pay will fix.
|
| 11/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Advanced collection was notified in XX/XX/XXXX that they were in violation of Fla Stat 559.715 ( FCCPA ) of the Fla sunshine law. Collector states they " supposedly '' sent assignment letter although they have no proof they ever sent said letter.
Collector was advised that they had violated my rights by listing the " alleged debt '' on my XXXX n XXXX credit reports. Collector was further advised that said " alleged debt '' was beyond the 4 year statute of limitations to collect on a debt and furthermore collector has exercised no due diligence in attempting to get said assignment letter to myself prior to listing debt.
Collector did try mailing myself something after being advised not to contact myself on said alleged debt on my second contact.
Furthermore, whomever has my file violated both XXXX XXXX FDCPA law by uttering the statement " well if you ever feel like paying the doctor let me know. '' This is a harrassing statement as well as derogatory.
|
| 09/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( 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 ( 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 )
|
| 01/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX from Advanced Collection Bureau has been calling since XXXX trying to collect on debt that is not valid. I have explained this to her on the phone and told her to send me the paperwork proving this debt. She is saying I owe {$11000.00} on a lease debt. I wanted to complain also about the repeated calls daily and using abusive language. She has said they is a court judgement. There is no judgement. I never received any letters/notifications from the company who told her I owe this debt. She has made false statements or representation of the wrong amount. There is no way I can owe {$11.00}, XXXX that is more than the whole lease. She has also contacted my roommate and my parents multiple times after they said we wo n't talk to you. They said we do n't know her and where she is. She also threatened to damage my credit for this invalid debt. She has damaged my credit when she has not sent any documentation to me to prove/invalidate the debt.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report.
-Account info- Account name XXXX XXXX XXXX XXXX so known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX.
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX halance A
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This was submitted to CFPB on XXXX / XXXX / 2017 case # XXXX and nothing was ever done with it. I am now 5 days from closing on a mortgage and will probably have to pay this account off to get mortgage. I am highly disappointed. The compan y is Advanced Collections Bureau XXXX XXXX XXXX XXXX Fl XXXX Phone XXXX They are trying to collect for a security system account that I did not renew. I had a security system through XXXX XXXX in XXXX Florida and when my two year contract was up I did not want to renew. I paid for the whole two years in full, when the contract was up they continued to bill me, I spoke with them and said I did not renew contract and to stop billing me as I had never used the security system. I eventually was contacted by Advanced Collections saying I owed {$1000.00}. I attempted to speak with them and resolve this and have had no success. Account number XXXX
|
| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
I contacted Advanced collection bureau around XXXX XXXX 2022 in regard to a collection showing on my credit report made by them. I asked for the debt to be properly verified and a response was sent back with a printout of a contract that i didn't recognize along with a statement of charges i owe. i then responded with a letter of my own asking to show legal standing in my state i also requested several things be redisputed which were not and i also asked the company to cease any contact with me other than to notify me of the deletion of this collection from my credit report i still received a response going against my wishes and asking me to pay the debt after i submitted that i was refusing to pay. i also did not give them my express written consent to furnish information to a credit reporting agency they are in violation of many federal laws meant for my protection such as XXXX, b, XXXX, g, k
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Complaint Description : I need to have this deleted from my credit report because it is unverifiable & inaccurate. This company has this amount on my credit report I have sent a letter requesting it to be investigated by the prior debtor. I have contacted the new owners of the business which have stated they have a XXXX balance for me and no record found. They also provided me with the previous owners name to contact them. The company who stated that I owe them which is XXXX XXXX in PA stated they left records with new owner and have no record of NO balance owed. I've also made a complaint with the FTC, Florida AG, and Consumer Financial Protection Bureau as well because this info is in accurate I am not liable for the balance of XXXX for XXXX XXXX XXXX XXXX. I can not remember the date I submitted my letter to the collection agency but XXXX XXXX XXXX is whom I spoke with at XXXX XXXX
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon reviewing my account Im noticed that this account is still reporting. Letter requesting validation was originally sent XX/XX/2020. It appears that on XX/XX/2020 Advanced collection Bureau add a derogatory mark on my credit report per XXXX XXXX Upon, further research this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not Validate this collection. Also, there is no written form of communication, contract or signature this this accused debt at all. A Bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, ADVANCED COLLECTION BUREAU has violated my rights as a consumer and Im request legal action to remove this account immediately. IVE ATTACHED A COPY OF CERTIFIED RECEIPT ALONG WITH LETTER RECEIEVED BY DEBT COLLECTOR FOR RECORD PURPOSES.
|
| 09/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im tryin to move! I cant move due to an apartment Ive becer lived in being on my credit report. I live in XXXX. The report is from XXXX. Ive disputed it! I have a twin sister name spelt similar, social is almost the same just one number different. Somehow our report was basically one. Ive talked to numerous amount of people tryin to get this resolved. Even disputed it only for them to tell me its mine now Im having to dispute it all over again! Im supposed to be moving in 3 weeks but wont be able to due to this being on mine. I need something done about this ASAP or Im a have to go about this another way! The lady from where they sent the report was flat out rude! Telling me she basically cant talk to me because its not my name on the apartment! Well if my name isnt on it why isnt it being removed off my report!! Makes no sense what so ever.
|
| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THE ACCOUNTS/LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX XXXX. On XX/XX/2021, I mailed XXXX XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
|
| 01/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. At no time have I visited a hospital and at no time have I ever given anyone the authority to use my name to obtain any medical assistance. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request the details used to obtain medical assistance including all details of identification used to open this account. this is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.
|
| 04/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I move in to XXXX XXXX and the manager had told me that my name had to be on the list as I was older than XXXX living in the place now aside from that I had ask multiple times if it would affect me in any way and she had stated multiple times that no, I live there for about 3 months prior to moving out I had ask again the manager if been listed as living there would held me accountable for any given reason she had said that no. Now as I look through my XXXX credit report # XXXX I see the following XXXX landing XXXX $ UNPAID I do n't understand if I had explain that prior to be listed in the contract and prior to moving that I was under no circumstance to be held accountable and that the only reason I was writing my name was because I was older than XXXX why I 'm been charge when I 'm not responsible for the debt.
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
On XX/XX/19 at XXXX XXXX I contacted XXXX XXXX XXXX XXXX/ XXXX XXXX hospital at XXXX, I told her that Ive been paying XXXX a month which thats the only thing I could pay, she said we cant accept that type of payment, is not that am not willing to pay I really cant pay more, than she said dont you work at XXXX you should be able to pay more. If you send XXXX dollars we would have to send the payments back, I really didnt like the fact that she said I could pay more cause I worked at XXXX. Plus that they would send the payments back not willing to listen, I said I dont appreciate you telling me that because I work at XXXX I have to pay more, she was I dont have to listen to you, you need to pay more and hang up. My debt if XXXX dollars I have more bills this what I could afford.
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint.
The last negative item due to the identity theft is for an apartment complex lease I did not authorize, know about, or execute myself. I disputed this directly with the apartment complex and forwarded their management a copy of the police report. They asked me to also send a copy to this debt collector, which I have now done through the official CFPB portal.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2023, I called Advanced Collection Bureau Inc to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.
|
| 03/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I recently checked my credit report on XX/XX/XXXXand saw a collection account on my credit that I never had. The collection is from Advance Collection Bureau for the amount of XXXX. I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/ and it was received and signed for on XX/XX/XXXX In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so. I have attached all my supporting documents to this complaint.
|
| 05/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is Advanced Collection Bureau Inc. account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
|
| 06/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is an medical collections appearing on my XXXX credit file called Advanced Collection BU. I have reached out to both XXXX and the collections company asking for them to provide proof that this account is mine. The medical collections company has not responded at all and the credit bureau, XXXX, only advises me that the debt has been validated but does not provide me with any documentation to support the account. I am submitting this complaint in the hopes that I can get some kind of response from both the collection company and the credit bureau, XXXX, provide me with documentation to support this account or have this collection account removed from my XXXX credit file.
|
| 01/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently had fraud happen to me. So this topic is very important to me. I went through my credit scores and finances. I noticed two debts owed to an "Advanced Collections." One account was opened in XX/XX/XXXX for XXXX dollars. The other was opened in XX/XX/XXXX for XXXX dollars. I then sent a validation letter via certified mail to Advanced Collections. I then waited a few weeks and they sent something back. I expected something signed saying I owed money and instead they send me no Validation to owing on these these debts. During this time, said debt is on my credit report, damaging my credit report and influencing decisions on loans, credit cards, insurance, etc.
|
| 04/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This Debt that this company Advanced Collection is trying to collect and that they claim that I oue them is uncollectible, because I am XXXX and on XXXX, I also dont know who this company is, Ive never done business with them nor gave them the right to give out my information Because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. and also according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Ive never done business with this company nor gave them permission to furnish my information to the credit reporting agencies.
|
| 07/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I explained multiple times that XXXX wasnt billed properly resulting in me owing a balance. They mailed bills to incorrect address because I moved. My house was destroyed twice in hurricane Mathew then Irma resulting in a natural disaster loss of livelihood. I begged to have my dept consolidated and if the company would settle for half of amount owed and they refused to work with me at all. They were rude about debt told me this is a business and we dont settle down on medical, yet had they billed my medical correctly I wouldnt owe this much. Im willing to pay half off in full but the representative is non negotiable! this debt is 4 years old
|
| 04/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question Advanced Collection Bureau , Inc. claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
|
| 04/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company has been dutifully notified that they are in blantant violation o f Fla Stat 95.11 and the Florida Consumer Credit Protection Act as well as various subsections of the Fair Debt Collection Practices Act. Advance Collection Bureaus has been told the letter of assignment has never been sent to a good address affording me the legally mandated 30 day direct dispute period prior to " LEGAL COLLECTIONS '' beginning. Also, this alleged debt is past the Staute of limitations to collect in the State of Florida. Also, a civil complaint has been filed with the State Attorneys office.
|
| 10/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX XXXX, Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX, XXXX of phone XXXX XXXX XXXX reached out to me saying I owed a {$270.00} debt to XXXX XXXX. I told them I had already been contacted by XXXX XXXX. I explain then and now that there was no deductible for that procedure, and that both the hospital and the insurance company verified this before the procedure as this was a requirement by me before agreeing to the procedure. This is a data entry error on XXXX XXXX part. After I explained this, they stood down from the collection realizing it was an error.
|
| 06/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Advanced Collection Bureau Inc, received my Cease and Desist letter, last year. Though they have not contacted me directly, they're still contacting me indirectly through the mediums of the credit reporting agencies, by still attempting to collect an alleged debt. And according to 15 u.s.c. 1692a2, they've breach the contract agreed to in my initial letter and they've broken federal law. Which states, that whoever violates section 6821 under title 18 shall be fined or 5 years in prison for knowingly and intentionally furnishing fraudulent information on a consumer.
|
| 10/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I had an apartment lease in XXXX, Delaware. I broke the lease and was told it would be a 1 month penalty. I gave them my new address in Texas and asked to forward me an invoice for payment. I never received an invoice so payment was not made. Finally about 2 years later, I get bill for nearly {$2900.00} from a collection agency. Well, now at this point, the debt is over 7 years old from when the lease was signed and it should no longer be on my credit report. They keep verifying it as accurate, however it is older than 7 years and needs to be removed.
|
| 10/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars.
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act.
|
| 03/11/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I seen that I had an amount owed to advanced collections. I had originally paid {$300.00} to the landlord, the landlord said it was applied to my move out charges, yet I am being charged for the entire amount of {$300.00}. It is Paid. They are falsely applying this to my credit, they are unwilling to help Me since I am turning to you for help. I shouldn't have anything on my credit report as this has been settled before it was even sent over to collections. XXXX XXXX manager XXXX XXXX is the one that I have spoke to about everything.
|
| 10/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they provided me a statement from XXXX FL XXXX XXXX. This statement does not prove that this is my debt nor is it a form of validation. Also, this alledged debt has passed the Florida XXXX XXXX XXXX limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.
|
| 07/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have disputed this debt on three different occasions with this company. This company is illegally reporting this account as an open balance, even though they have that it is included in my bankruptcy and nothing is owed. This is affecting the number of accounts I have in collections which is false information because there is nothing to collect on this. I have filed direct disputes with the company. This is illegal. They are reporting a debt as open that there is no way I can resolve as there is no amount of money owed.
|
| 08/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
|
| 08/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
|
| 10/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have contacted Advanced Collection Bu three times requesting validation of an account being reported on my credit report. Letters were written and mailed to this company on the following dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide me with any form of validation. When I spoke with a representative from the company I was informed that they will continue to report on my credit report. This company has also re-aged the account every month since I requested validation from them.
|
| 10/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was renting townhome from XXXXXXXX XXXX XXXX. During the height of covid the cemteal air broke. I requested over a 4 month period to have the air conditioning fixed. I have medical Conditions XXXX and XXXX. XXXX XXXX refused to fix central air. For my health i was forced to move breaking lease 1 month shy of renewal date. As act of good faith i told XXXX XXXX to keep my security deposit. I have copies of all interactions and multiple witnesses including former neighbor as well as XXXX XXXX former employee.
|
| 05/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested the collection agency to provide me validation of the debt or information to show that they can collect on this debt. They have failed to provide me a copy of the lease or anything showing the amount and how it got to that amount that they are saying I owe. I requested validation on XX/XX/XXXX, XX/XX/XXXX and I have received no information. I attempted to contact the office both times there representative would only discuss how i would be paying the balance of XXXX by credit card or check.
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Advanced Collection Bureau has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX ( Pursuant to 15 USC 1692c ( b ) ). Advanced Collection Bureau having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.
|
| 12/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.
|
| 06/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
An apartment complex is attempting to collect fees associated with the unit we ( my now wife and I ) shared for repairs which the apartment complex refused to fix during the time we lived there. My wife filed for bankruptcy in 2012 and the amount owed was discharged. The credit bureaus and the collection agency are refusing to remove the debt. Louisiana bankruptcy laws considered the debt community property and even though I did n't file, it is to be discharged for the full amount.
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I was never informed of my debt though it had been on my credit report for apparently XXXX years. When I XXXX contacted the collections agency they lied and said that they tried to contact me several times. They only contacted my ex husband, who I am NOT in contact with. To contact me then they could have asked my ex for my number, not expected him to contact me instead, in a manor of doing their jobs for them. I can provide XXXX years of phone bills to prove this if need be.
|
| 05/18/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX debt collection for T XXXX XXXX XXXX XXXX has not sent me verification of the debt. I am requesting a breakdown of the charges from the original creditor, sign rental agreement from the creditor, payment history from the creditor, verification of the debt. They are required by law too send me the documents not just validation of the debt a billing statement with my name. I keep disputing but the collection agency does not reply too my list.
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My personal information was shared without my permission. This inaccurate credit reporting has resulted in my children suffering homelessness because I can not find housing. My inability to furnish housing for my children for the last two years is a direct result of the credit reporting agencies undermining a banking system that depends on fair and accurate reporting. I did not give these agencies permission to furnish my private personal information.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Advance Collection Bureau XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2018 Advance Collection Bureau added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2100.00}. After further review I realized that the DOLA date on the account was inaccurate across all credit bureaus, which should not occur. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.
|
| 10/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I contacted Principal XXXX XXXX for Advanced Collection Bureau , Inc. with a letter dated XX/XX/2020. Multiple times Advanced Collection Bureau , Inc. failed to respond to me directly the consumer and failed to fully verify and/or validate the alleged debt. All three credit Bureaus allege it has been verified with no full complete verification of it. Advanced Collection Bureau, XXXX XXXX XXXX amd XXXX XXXX have been acting in fraud in dishonor.
|
| 02/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have an apartment from ( XXXX XXXX ) debt in collections from XX/XX/2013 that really was not even a accurate debt o had an apartment that the lease was fulfilled but because I did not write a 30 day notice up leaving was charged with a balance. The owner didnt not properly contact me I was not aware that account was going into collections. Have yet to receive anything in writing. Account is 7 years old and I have asked for it to be removed.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been disputing the account ADVANCED COLLECTION BU, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile.
On XXXX the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC
|
| 04/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concerns : I am filing complaint against XXXX XXXX XXXX. The reasons are the following : 1. I don't recognized the account or amounts.
2. They are claiming its a joint account with my and XXXX XXXX. I do know that person.
3. They can not provide me any personal documentation such as my DL.
4. They are not claiming that I am 60 days late, when they said the file was open in 2015, none of their information is accurate.
|
| 03/27/2019 |
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
|
|
Web |
|
|
I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have Advanced Collection Bureau and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.
|
| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contact XXXX regarding this Debt collection from XXXX XXXX in XXXXXXXX XXXX. The debt was paid in full & also didnt belong to me but is currently still attached to my credit report. I went through every avenue to get this removed. The amount was for {$150.00} dollars & the date it was added to my account was XX/XX/22. I contacted the collection agency & they stated that they removed it but XXXX hasnt complied.
|
| 09/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
account # XXXX I have never been contacted by this company and they are reporting to credit bureaus I received notification from a credit monitoring service that this firm is posting a collection to my credit report in the amount of {$330.00}. I have never been contacted by them prior to this nor have any documentation from them supporting there claim, I had contact Florida XXXX and I don't owe any money to them
|
| 06/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
disputed false information reported on my XXXX credit file, agency verified item as placed by XXXX XXXX XXXX . this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt. as a veteran i use va, XXXX and have supplemental insurance to cover all. this must be removed.
|
| 04/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
It 's says that I owe money in the amount of {$1500.00} that i have no knowledge of in 2013. It doesnt even say if it 's a loan or etc. It 's really affected my credit score. I have never taken out a loan or request a loan for that certain amount of money. When I try to get more information on it, it asks me questions about mortgages nd car loans banks loans that I have never applied or received money for.
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is coming after me for an alleged debt. this was a rental property where the company had unbearable living conditions. So due to me being pregnant I decided to move with the manager 's approval. So the contract with rental property is over XXXX years ago.
I informed the collection agency that the alleged debt is over XXXX years old and asked them to validate. and to date no response.
|
| 03/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am receiving derogatory remarks on my credit score on all credit reports from an account in collections from a company I do not know nor recognize and do not owe {$2300.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Advanced Collection Bureau suddenly appeared on my credit report around XX/XX/XXXX for almost {$5000.00} collection because my ex girlfriend apparently passed away. Now they are saying I owe for her rent. I actually never received anything in the mail from them, just what is on my report. I haven't live with my ex since XXXX.
|
| 03/19/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I leased an 1 bed room apartment for one year from XX/XX/XXXX to XX/XX/XXXX. I dont know what this charges are coming from. I left the unit and also, i did not received my deposit back. I was new to credit i was young and i didnt realize how importat credit is and now im trying to fix my credit this is my number one priority.
|
| 11/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Pursuant to Title USC 1692C ( C ), I am invoking remedy as the consumer natural person and DEMAND Advanced Collection Bu cease and desist debt collection activity with removal from ALL bureaus.
Advanced Collection BU needs to remove ALL and ANY reporting of the debt collection activity from all consumer reporting agencies.
|
| 04/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Back in 2019 I went to the hospital bc of my XXXX hurting and I gave XXXX XXXX my Insurance info I was working for XXXX XXXX then and advised that it wasn't a car accident and they never billed my insurance and billed for auto and never stated it was. And I am not paying for a bill that I provided you my insurance for
|
| 08/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Advance Collections has violated my account " I was told that before a collection agency puts an item in collections they must notify me 15 days prior to placing that item on my credit report. They did not do that. '' Can you please investigate and if found in violation remove this collection as my legal rights.
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Advanced Collection Bureau at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature
|
| 06/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
contacted company asking about the Hippa laws violation.company refused to respond with original documents showing they have the right to brandish negative item on my credit report.
I also contacted the the reporting bureau and they claim that advance verified that the account being reported is inaccurate.
|
| 11/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was never provided any documentation regarding such creditor. I have been given various collection amounts but no paperwork to prove it. Also, I get around 2-3 calls per day from the debt collector threating me to such an extend that they 're telling me that it will never be removed from my credit report.
|
| 11/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a debt on my credit report ADVANCED COLLECTION BU that is not mine. I have disputed it several times and they keep saying it is mine but will not provide verifying proof. Unless they show actual doctors records showing I incurred this debt I demand this be removed from my credit report.
|
| 04/20/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i have a collection on my credit from advanced collection for {$24000.00} from XXXX XXXX . i have tried to contact both agencys and was told they could not provide me with any documentation where i authorized these charges or have any knowledge of being charged for this or what they are for
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company has been reporting to credit bureaus claiming that I owe a debt that I have no knowledge of. Despite my several disputes the company continues to report on my credit report monthly of a debt that they refuse to validate despite my several requests that have been sent certified mail
|
| 04/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received written notification concerning this debt, which is in direct violation with the Fair credit reporting Act. I was never given the 30 days to dispute the validity of this debt and I would like the creditor to provide strict proof that written notification was given.
|
| 04/06/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was charged by the advanced collection bureau for an apartment I never lived in or stay at as result of identity theft. I called the advanced collection bureau on XX/XX/23 and let them know this was identity theft and they let me know to send them over some information.
|
| 08/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Advcollbur - Advanced Collection Bureau is reporting a debt owed of {$2400.00} on my XXXX credit report they are reporting inaccurate hold no validation of proof for this debt being my responsibility information and have yet to remove the inaccurate information as agreed
|
| 05/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The account that is being collected from a XXXX XXXX XXXX from the advanced collection Bureau in the amount of {$480.00} is not my debt. I did not have services with this company and ask that this false information be removed from my credit report immediately.
|
| 05/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
This Collection Bureau, Advanced Collection Bureau, XXXX. XXXX XXXX XXXX, Fl. Phone ( XXXX XXXX XXXX. On XX/XX/2015 put the amount of {$5900.00}, on my credit an I want that amount remove from my credit report. I don't know anything about this amount.
|
| 03/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reached out to XXXX XXXX XXXX certified mail requesting them to send me proof that the debt belongs to me. They received my letter XX/XX/18. I have not received a response from them and the debt is still listed on my XXXX and XXXX credit report.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I seen this on my credit sine last year in XX/XX/2021 and I been disputing ever since I need this off my credit as soon as possible I'm trying to take out a morgage and buy a car but I cant because of these negative items.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX and I do not have a contract with ADVANCED COLLECTION BU plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$4900.00}
|
| 05/29/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Advanced collection account number XXXX
|
| 04/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i signed of lease as a occupant over the agree of XXXX old which under law does not make responsible for the debt, prior collection agency removed debt because of the fact I do n't have legal responsibility for debt.
|
| 07/30/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Advanced Collections is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They have not sent me valid validation of the debt.
|
| 05/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Account has not been verified after I asked Collection Agency to give me the information about this account XXXX / XXXX / XXXX Asked company to send validation of amount owed they have yet to respond
|
| 08/05/2017 |
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
|
|
Web |
|
|
Advanced collection bureau has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.
|
| 06/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.
|
| 06/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.
|
| 01/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Not aware of the debt. Never received any communication regarding the debt. I want to dispute this collections record on my credit report. I want this to be removed ASAP.
|
| 04/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
call me about twice a day and i have asked if they would take a lower payment amount and they said they will have to take the full amount and cant make payments
|
| 01/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Debt was opened a year ago and I never received the right to dispute the debt. I was told my insurance that I had at the time, covered this.
|
| 12/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I told the company I never had this debt and don't owe any money this account is not mine 30 days ago they even failed to verify the debt
|
| 04/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
The company told me I could not create a payment plan and that I had to pay the entire balance of at once.
|
| 02/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Advanced Collection Bureau can not validate that I owe this supposed amount. In violation of law.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
remove this from my credit report immediately this is identity theft
|
| 06/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE NEVER LIVE OR OPEN A ACOUNT WITH THIS COMPANY OR COLLECTION
|
| 02/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/31/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
|
| 07/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/16/2020 |
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
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 02/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 12/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 02/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 08/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 06/07/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/31/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/24/2017 |
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
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 08/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 07/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 04/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Fax |
|
|
|
| 08/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Fax |
|
|
|
| 08/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 11/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|