| 06/04/2021 |
Yes |
- Debt collection
- Other 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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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. XXXX XXXX XXXX XXXX XXXX bal. {$75.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 03/04/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : I, XXXX XXXX XXXX a natural person, and a consumer, received a copy of my consumer report, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. First Federal Credit & Collections has stated that I, a consumer, owe an alleged debt of {$75.00}. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any documentation before the communication of this alleged debt. This is a violation of 15 USC 1692 ( c ) ( a ) First Federal Credit & Collections engaged in conduct that has harassed, oppressed, and abused me in connection with the collection of this alleged debt. Oppressing a right would be conducted not allowed under the FDCPA and is a violation of 15 USC 1692d. Credit is my right granted and protected by federal law. First Federal Credit & Collections has caused damages to my financial reputation by furnishing this alleged debt to my consumer report in order to coerce payment. This is a violation of 15 U by SC 1692d ( 4 ) and is known as debt parking described by the FTC. First Federal Credit & Collections has communicated a false representation of the character and amount of this alleged debt. This alleged debt is furnished on my consumer report in a negative amount. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). First Federal Credit & Collections has knowingly furnished the credit reporting agencies with false credit information which is a violation under 15 USC 1692e ( 8 ) All of these actions were false and deceptive and a violation under 15 USC 1692e ( 10 ) First Federal Credit & Collections has not provided me with any validation of this alleged debt under 15 USC 1692g which should include : 1 ). amount of debt. 2 ). the name of the creditor to whom the debt is owed. 3 ). A law which states unless the debt within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 4 ). Another law which states if you notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. And a final law which states upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. My failure to dispute the validity of this alleged debt may not be construed as an admission of liability! 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. These abusive and deceptive actions have caused a denial of credit and First Federal Credit & Collections is liable to me for actual damages sustained due to violations committed under the FDCPA {$1000.00} per violation.
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| 05/13/2020 |
Yes |
- Debt collection
- Medical debt
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- 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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On XX/XX/XXXX, I contacted First Federal Credit & Collection ( FFCC ), a debt collection agency based in XXXX, Florida, to discuss an alleged medical debt of {$500.00} reported to the credit bureau in XXXX. That same day, FFCC wrote me an e-mail requesting that I provide them with a letter from XXXX stating that my son was covered on XX/XX/XXXX. FFCC also requested a copy of my son 's XXXX I.D . card and I.D . number. One month later, I received a phone call from FFCC regarding the XXXX letter. I advised them that obtaining the letter was taking much longer than expected.
On or around XX/XX/XXXX, FFCC reported a " late payment '' to the credit bureaus for the first time in four years.
On XX/XX/XXXX, I e-mailed FFCC a letter from XXXX dated XX/XX/XXXX stating that my son was eligible for continued coverage in addition to sending a copy of the XXXX I.D . and I.D . number. My letter also stated that my son resides in a group home and is 100 % the responsibility of the State of Florida, including all of his medical expenses. I immediately received a phone call from FFCC advising that the letter from XXXX was insufficient because it needs to state that XXXX had coverage on XX/XX/XXXX. FFCC also threatened to continue to report the alleged debt monthly until paid. This threat was intended to coerce me into paying the debt by ruining my credit. I told FFCC during the phone call that the letter is sufficient proof that XXXX was covered on XX/XX/XXXX because the renewal Notices cover the entire year. I also advised that I was unable to get a letter from XXXX for a specific date as their computers are not set up to customize letters. Instead, XXXX provided me with a duplicate copy of the Notice of Action taken on XX/XX/XXXX.
FFCC 's request for a letter from XXXX is merely a disguised attempt to harass me and force me to pay a debt that I do not owe. Indeed, the billing statement for medical services provided by FFCC shows that their client already billed XXXX for services on XX/XX/XXXX and XX/XX/XXXX. The last page of the billing statement shows that in both instances XXXX denied coverage because the primary insurance paid more than the allowed amount. Therefore, FFCC is already aware that my son was covered by XXXX on XX/XX/XXXX. Requesting the letter and continuing to report the debt to credit bureaus are just mechanisms for prolonging the matter to coerce payment for a debt that is not mine.
FFCC is, in fact, a dishonest company. For example, FFCC reported a balance owed of {$500.00} when the final bill shows an outstanding amount of {$390.00}.
I am filing this complaint against FFCC to resolve this issue as soon as possible.
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| 04/01/2022 |
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 XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX FIRST FED CREDIT & COL 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 FIRST FED CREDIT & COL 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings againsXXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/10/2017 |
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 XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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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| 10/10/2017 |
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 XXXX XXXX XXXX & XXXX 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 XXXX XXXX XXXX & XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX 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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| 08/16/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Disputed : Reported Account Number : XXXX {$75.00} Creditor/Collection Agent ALCHRO INC. who are the parent company of XXXX XXXX XXXX XXXX XXXX.The mail to XXXX XXXX XXXX XXXX XXXX was sent certified delivery and has been returned on each occassion by USPS as UNDERLIVERABLE.
Chain of Events : On XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. XX/XX/2018 I contacted the company XXXX XXXX XXXX XXXX XXXX who is named as the reporting company on my credit files in writing at the postal address stated as their mailing address from my credit report by letter delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed XXXX XXXX XXXX XXXX XXXX that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
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| 08/07/2015 |
No |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XXXX, 2015 I entered a written dispute with FIRST FEDERAL CREDIT & COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, FIRST FEDERAL CREDIT & COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed.
FIRST FEDERAL CREDIT & COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with FIRST FEDERAL CREDIT & COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. FIRST FEDERAL CREDIT & COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account.
A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that FIRST FEDERAL CREDIT & COLLECTION is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice.
Several phone calls to FIRST FEDERAL CREDIT & COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
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| 04/22/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Once more I come to this agency with the attempt to solve this issue but appears nobody cares! That's the main reason why people get abused, cheated and extorted. But it is my right to dispute a debt I definitely don't own I will exercise my rights to the very end to clean up my name and credit. On XX/XX/2020 I was feeling really bad at night with certain symptoms that for me appeared to be XXXX. At that time everyone was scared and with a lot of misinformation related to the XXXX. I went to the emergency of XXXX XXXX seeking help because that was the first good urgent care facility close to me that came to my mind. Them I immediately reported that if i needed to pay for the services I had no insurance at the time. The assistant told me that I have not to concern about it because assistance related to XXXX would be covered by the govern. They made a series of exams and, prescribed a fogging session and dispatched me home. Thanks XXXX was not XXXX and the following day I woke up better. I couple of weeks later I received a bill from the Hospital requesting payment for the services. I immediately called the financial department and after explaining the situation they told me the bill would be taken care of and I had nothing to be concern. Them I realized they sold the collection to other companies and did not have done once more what they told me. This is outrageous, immoral and anti-ethical, especially when taking advantage of people when they are in a very fragile moment. That's really not fair and that's the reason I insist and dispute this unfair practice that for sure is not only from them, but the great majority of the Medical system. Their main concern should be saving lives.
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| 10/10/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I previously opened a complaint on this company on XX/XX/18. The complaint # was XXXX.
Here is what I indicated : The company XXXX XXXX XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
The company responded with the following on XX/XX/18 : Due to XXXX regulations, we are unable to provide consumer with account information. She disputed account through credit bureaus and the account was verified as all the information matched. The consumer may contact XXXX at XXXX ext XXXX to obtain an itemized bill for the charges.
********************* I have called this company on numerous occasions and have yet to get someone to answer the phone. I did a web search on this company and every review has the same response that they will not answer the phone. I question the legitimacy of this company. I called the extension listed and the phone continued to ring for an " XXXX '' that never answers the phone. I tried selecting other extensions and still no answer. At this point I am really fed up and I want this issue to be resolved. They refuse to remove the item from my credit report but they can't even pick up a phone.
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| 10/20/2021 |
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 am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
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| 10/12/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
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I was NOT sued - it 's the closest radio button to what occurred. My FIRST notice of this outstanding debt was an Alert from XXXX credit monitoring on XX/XX/2016. I contacted the collection agency and spoke with XXXX XXXX for information. Turns out its a bill from a drs office - I never received the bill for XXXX b/c they were admittedly mailing it to an address in XXXX XXXX - instead of my City of residence in XXXX. I informed them that they needed to remove this since I never received proper notice. After speaking to the Drs office who was apologetic about the mistake and indicated the collections agency would correct and remove as a mistake. Today I see that they added it AGAIN as UNPAID debt. Meanwhile the outstanding amount was paid YESTERDAY after a discussion with the Drs office. It 's retaliation and harassment. XXXX XXXX was refusing to acknowledge that their reporting was in violation of the FCRA during our phone conversation and intentionally pushed through an " UNPAID '' report to XXXX after I paid. According to the Drs Office - they notified the collections agency to cease and CORRECT the report - Clearly it was pushed through incorrectly on XX/XX/XXXX.
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| 01/22/2017 |
No |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
Older American, Servicemember |
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My husband went to our XXXX 3 times.
Once was for a XXXX. XXXX. The XXXX went away on it 's own, and while XXXX paid for the XXXX and XXXX, they did not pay for the XXXX. My husband was not made aware of the fact that XXXX would not, or may not, pay fort he XXXX when the XXXX was taken. I believe this should have been done BEFORE the XXXX was taken.
His second visit was because he had a XXXX. He paid the co-pay, XXXX, or so she thought.
The third visit was because the XXXX. Most XXXX would have made the XXXX without additional cost, but this XXXX charged a co-pay AGAIN, which my husband paid.
All of these visits and charges were posted onto MY account with the XXXX, not my husband 's. I do not know if the XXXX correctly submitted the XXXX to XXXX or not, since it is on my account rather than my husband 's.
Now, there are XXXX collection notices on MY credit report. While I do not believe anything should be due at all, the XXXX collections are adversely effecting my credit. If there is any collection at all, it should certainly ONLY be XXXX issue.
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| 03/08/2023 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I informed this agency I have no contract with them or unaware of this debt. I received no notifications of debt or right to dispute this debt. I received an alert of a collection and immediately contacted this agency disputing this debt or that I have no legal binding documents with this collection agency nor have permission or instructions to report to the credit bureau Agency : First Federal credit XXXXXXXX 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.
Account name : First Federal Credit # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 08/15/2017 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On Wednesday, XXXX XXXX, 2017 I contacted XXXX XXXX XXXX XXXXXXXX to pay a past due bill of {$150.00} on my credit report. A bill I did n't know I had, but wanted to pay for. I was informed that the total amount due was {$200.00} that included a " Deletion fee of {$15.00} '' I paid the {$15.00} because I wanted to have the record deleted immediately. After I paid it, I was told they would delete the bill from my credit report on the first of the next month. Why did I pay the extra {$15.00}? Is n't it there responsibility to delete it once it 's paid? I emailed them and asked them to refund my {$15.00} and the response was this : Hello, you were advised it will be sent to all Three Credit Bureaus on the XXXX of the month to be removed from your credit report. The {$15.00} was the deletion fee to have it deleted from your credit. If you have any other questions or clarifications please contact me at # XXXX ext. XXXX. I have never had to pay to have something deleted from my credit report before.
|
| 02/12/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company reported to the credit agency that I did not pay the debt. I explained multiple times I was not the responsible party that was financially responsible, even in their validation of debt that the company sent to me. It showed the XXXX XXXX was 100 % responsible and if they took the time to file the claim properly they would have been paid without trying to collecting the debt from me and trying to destroy my credit by reporting to the reporting agency that I did not pay the medical bill.
Recap : The CFPB should protect the consumers from allowing a debt collector to destroy someones credit when the debt was paid in full by the insurance company which is what I have been telling everyone from day one!
Please see attached showing the claim was PAID to the medical doctor in full. All this could have been avoided if they just properly requested payment to the insurance company. THIS COMPANIES LICENSE SHOULD BE REVOKED!
The debt was paid by XXXX XXXX Claim number XXXX Account XXXX
|
| 11/20/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX 2014, I initiated disputes XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. XXXX Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
|
| 06/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First Federal Credit & Collections of XXXX, Fl ( XXXX phone ) sent me a collection letter for amounts owed to a medical provider I did not contract nor recognized. I disputed the matter in a letter on XX/XX/2022. After about 60 days I did not receive a response and learned the account had been reported to the credit bureaus without a response from First Federal. In speaking with an agent of theirs on XX/XX/XXXX he indicated mail was not being reviewed at the office and that I should go to the company 's offices in person, which I believe is not industry practice nor reasonable during a pandemic. If the company is not responding to dispute letters how is a consumer to pursue his/her rights under the consumer protection laws? Now I face having my credit history tainted by this company 's failure to follow CFPB/FCRPA rules and requirements.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2018 First Federal Credit & Collections added 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 the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, First Federal Credit & Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
I have already sent several request for debt validation to First Federal Credit & Collections, however they remained negligent and did not respond or delete the unverified account from my credit report.
|
| 01/22/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 09/12/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In May a debt I had for a medical service I received last year was sent to collections.
I began making payment relatively soon thereafter, eventually landing on $ XXXX towards the {$1300.00} debt.
As I was making payments, right after a month where I had actually made two payments, they added the report to collections on my credit. I was under the impression that the debt was being paid so it would not go to collections.
I believe that paying off the debt on the payment plan should have prevented me it from going on my credit report. Moreover, I should have received notice before it went on my credit report. I received nothing.
During the whole process, I received limited communication from this business and it was not made clear to me that I was imminently going to have this reported to my credit.
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me.
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
|
| 10/31/2023 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
FIRST FEDERAL CREDIT COLLECTIONS has violated Federal laws concerning the use of private information, FIRST FEDERAL CREDIT COLLECTIONS is reporting a medical debt on consumers ' reports, Requesting validation of how the consumer is responsible for paying this ALEDDGED debt and how consumer private information was obtained.
If FIRST FEDERAL CREDIT COLLECTIONS isn't able to provide said items, negative accounts must be removed immediately according to FDCPA Because this has been an ongoing issue, consumer is advising FIRST FEDERAL CREDIT COLLECTIONS HAVE 3 DAYS TO REMOVE DEBT.
Consumer has attempted to resolve this matter for several months, I will be filing form 211 treasury omb forms to audit consumer account.
|
| 09/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent several dispute letters to both XXXX XXXX XXXX XXXX XXXX, and the 3 credit bureaus about 4 medical collection accounts contained on my reports. XXXX and XXXX deleted the account after the first dispute. However, XXXX continues to report the accounts. I have sent several letters to the address contained on the XXXX reports, and have received no response. I finally sent a certified letter and it was returned as undeliverable. I also tried calling the number listed on the report but to date it is disconnected. Despite having informed XXXX by letter and phone calls about the problem with the address and phone number, the accounts remain on my report and I have no way to have the information validated.
|
| 12/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a Collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX I mailed a certified dispute letter to FST FEDERAL CREDIT & COL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB. The FST FEDERAL CREDIT & CO failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
|
| 08/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX- Called the XXXX Doctors office in XXXX to request information of debt and they could not locate the amount owe. Promised to call back with information but never did.
XX/XX/XXXX - Called XXXX again and this time the operator asked me to leave a voicemail to the financial department since she could not locate the amount I owe. I attempted to make the payment online too from the bill I had received in XX/XX/XXXX but could not process the payment.
XX/XX/XXXX - Again called XXXX and was informed that charge must have been resolved with the insurance company XX/XX/XXXX - Charge of {$75.00} dollars delinquency appears in Credit Report ( Score was XXXX and now its XXXX )
|
| 03/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Good afternoon, My name is XXXX XXXX. I received a call today, XX/XX/2018, around XXXX XXXX, from a third party debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX. This company is located in XXXX, FL ; and their telephone number is XXXX. The debt collector did not verify any information, before going into my DOS and the amount owed. He also did not give me the Mini-Miranda, as stated per the FDCPA. I would like to request that this be investigated, as he was in clear violation of HIPAA.
When I proceeded to let him know that he was in violation of the law, he then hung up on me. My attempts to speak with a supervisor have been unsuccessful.
Thank you.
|
| 06/02/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked First Federal Credit & Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 06/02/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked First Fed Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to turn you in to immigration or deport you
|
|
Web |
|
|
This information was provided thru my XXXX Account : XXXX XXXX XXXX {$75.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.
Balance {$75.00} Highest Balance {$75.00} Opened XX/XX/2014 ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error?
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.
DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
|
| 06/01/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
|
| 08/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The collection agency knew the amount was in dispute and still reported to the collection agency that I owe the debt. The collection agency sent me a paper that clearly says XXXX XXXX is 100 % responsible for payment. I did not agree to pay for any services since I did not request it and I was fully insured by XXXX XXXX. I am requesting they remove the debt from my credit reporting agency and or clearly mark this debt is in dispute by customer.
The collection is in bad faith and unethical knowingly reporting a debt it knew I was placing in dispute. IMMEDIATE ACTION IS REQUESTED!
|
| 12/14/2016 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.
|
| 03/21/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship to my life.
|
| 07/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX is reporting a medical debt for {$75.00} which is not mine. I contact them to let them know yet they refuse to comply by sending me proof of this debt or removing it. I filed a complaint with the XXXX and they responded by saying they will not discuss this matter because of HIPPA regulations. They are choosing to hide behind loop wholes instead of handling this matter. When I call them they treathen me and are very rude. I explained to them that I never visited this medical office and did not have any services provided.
|
| 04/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency. I understand that the debt has been removed from my collection but during the time it was on my credit report it caused me financial damages over {$500.00} I am seeking for the debit collection agency to pay for the damages it had caused.
|
| 04/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
When threw XXXX and all was covered by my Medical Plan, and after 1 year they came telling me I have a balance to pay which was paid from my Medical Plan...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$1700.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... {$75.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. XXXX XXXX
|
| 02/06/2017 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent XXXX collection agency a letter on XX/XX/XXXX requesting written proof and signatures of the XXXX medical bills they have listed on my XXXX credit reports. In XX/XX/XXXX I was receiving government assistance and XXXX due to the fact that I was not working. I should not have a medical collection of {$75.00} and {$570.00} because I had XXXX. I also need proof of going to the XXXX and also my signature verifying that this was actually me. If they can not verify these please remove off of all XXXX credit report.
|
| 10/17/2017 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
|
| 04/18/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company claims only after I got involved with the insurance company that the claim was paid, this is not true. I did NOT get involved with the insurance company the company did not submit the claim properly and only when they resubmitted the claim properly they got paid. In the mean time they destroyed my credit for 5 months causing {$500.00} worth of damage to my credit. The company takes no responsibility and has not done the right thing by paying for the damages to my credit.
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I sent in a request for validation to said Company FIRST FEDERAL CREDIT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
|
| 10/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
XXXX XXXX I mailed a certified dispute letter to FIRST FED CREDIT & COL and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB
|
| 08/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I would like for this to be removed off my credit ; as they are unable to provide details that I sign stating I would be responsible for any balance that's unpaid by insurance ; this doctor office accept Medicaid patient and should've billed Medicaid for any unpaid balance. they can not provide any sign details that I sign stating they can put this on my credit. The calls are getting very aggravating and disrespectful. This is a HIPPA violation.
|
| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
The debt validations were sent on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
|
| 08/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and seems to be a duplicate of Account # XXXX and the collection agency was not able to verify it.
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company XXXX XXXX XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
|
| 02/16/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Since 2013 first Federal and collections has been reporting negatively on my credit report. I have sent three letters asking for validation and I have yet to receive a response. I have also attempted to contact the phone number and yet I 'm unable to reach someone. I have never seen a XXXX in 2013, or a XXXX in the said listed city as I was not living in the city. Please help me correct this information.
|
| 12/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt.
I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.
|
| 06/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was mailed a letter onXX/XX/XXXX stating my account was written as a charity write off. The account specifically says the account is considered closed. 7 months later XX/XX/XXXX they are saying the account is delinquent and now its on my credit report. They said in order for it to be removed I need to pay an additional {$15.00} which is unfair and the account was never supposed to go in collections.
|
| 08/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
|
| 02/19/2016 |
No |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
In 2014 I contacted XXXX XXXX credit bureau requesting that they open a dispute into the claims from this creditor and its representatives. This account, after investigation with assistance from the CFPB was subsequently deleted from XXXX but continues to report on my XXXX XXXX and XXXX files. I am requesting that XXXX XXXX credit bureaus please remove the entry/account from my credit file.
|
| 07/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I never hired or authorized this XXXX doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXXXXXX with a 100 % coverage and no delectable even if I authorized the XXXX XXXX ( which I did not ) I would have been covered by my health insurance provider.
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file.
First Fed Credit & Col {$75.00} : XXXX was paid thru the insurance and contacted the hopsital who billed the insurance.
XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
|
| 01/20/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected.
|
| 08/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
the debt is outdated its more than 7 years old. i made the dept collection agency aware of this and was told that they were still going to enforce the debt and attempt to collect. I have disputed this before and they continue to verify it as valid and continue to report it to the credit reporting agency as such and told me im better off just paying them
|
| 12/01/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 11/09/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 06/03/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 03/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
First federal collection agencys continuing to validate an account that doesnt belong to me despite my request for validation. The company never validated debt to me but continues to validate this account. Im going through paperwork and just notice that other bureaus removed this debt but its still reporting on equifax. Ive attached documents
|
| 03/13/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 A States that I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file.
How is that????
|
| 03/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Between XX/XX/XXXXand XX/XX/XXXX, I paid off the bill of {$75.00}, in its entirety, to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and it appears that the information was not removed nor did I receive a receipt of payment stating that I paid the bill even though my bank statement proves that I paid the bill.
|
| 01/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have had a credit repair service dispute this by sending letters to the original creditor and collection company numerous of times and they refused to stop calling and sending new collection letters from different agencies violating my ( Hippa laws ) and letters were sent to address that portion of the problem too but to no avail
|
| 10/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Consumer paid the account in full and was given a deletion to pay letter from First Federal Credit & Collection. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY!
Attached below is the letter the consumer received from First Federal Credit & Collection.
|
| 01/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is calling all times and let it I know that if I do n't pay this account my credit is going to be damaged and I can do nothing with my credits. This account is 7 years old and is still appear on my credit with {$130.00} and {$2000.00}, Those accounts are from 2010 and are almost 8 years of this.
|
| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency.
|
| 12/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This collection Company continue too list these 2 XXXX accts on my XXXX credit report its was off for months after I disputed months ago as of XX/XX/2018 there back on my credit these are not mine acct remove off my XXXX credit report immediately Ive sent you guys copies of my fraud report days ago!!!
|
| 12/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently pulled a credit report and saw that XXXX XXXX XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, I am unable to find a licence in the state of Florida on the Florida office of Financial Regulations website. How are they legally entitled to collect on the debt?
|
| 07/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Collection Company on credit report named as : XXXX XXXX XXXX XXXX XXXX.
Ste : XXXX XXXX, FL XXXX XXXX XXXX Original lender : Medical Age of account : 2yrs 3 mths Balance : {$75.00} Since XX/XX/2018 to XX/XX/2018, has not been able to make contact via certified mail, phone, fax or email
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
FIRST FEDERAL CREDIT XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX This alleged debt was paid to resolve this issue over a year ago. This company has continued to recollect the same debt and has not removed it from my credit report as agreed.
|
| 08/11/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!
|
| 08/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/2021 I discovered inaccuracies on my credit report so I sent a dispute letter, My Demand is hereby made for FIRST FED CREDIT & COL to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information.
|
| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There were several attempts to contact the credit collection company via telephone. The telephone number listed under the credit company 's name was not in service which raised my concerns that it may be of a fraudulent nature.
|
| 09/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon checking my credit report i noticed a collection agency trying numerous times to collect a debt that i have no knowledge of i have not signed any agreement with this company nor have i entered into any contract with them
|
| 05/27/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company is no longer open and I cant pay the final {$25.00} which isnt fair because I want this account removed. If I cant pay them why should this account stay on my account. The website no longer active
|
| 03/08/2017 |
No |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I looked at my credit and I see that there is a debt of XXXX dollars. Called 1st federal collection and they ca n't find me in the system. I never received any mail in regards to this. Need to be fixed asap
|
| 09/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed!
XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00}
|
| 05/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am willing to pay the XXXX dollars to erase the account of my credit but they must send a letter where they say they are going to erase the account as soon as they receive the payment.
|
| 03/27/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Collection agency could not validate debt. Removed collection from only XXXX credit reporting agency file. Debt still remains in collections on remaining credit reporting agency files.
|
| 12/27/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid a debt to a collection agency over 1 year ago never reported it paid to originalXXXX or XXXX first federal creditor and collection. The creditor was XXXX XXXX
|
| 11/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After reviewing my credit reports, I found an excessive amount of medical collections on all 3 of my credit reports. These collections do not belong to me.
|
| 03/18/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Unknown account listed against my personal credit file, validation was requested and also a dispute was filed. Please help assist.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I contact them by written letter to paid for deleted that account of my credit report they never answer me.
|
| 05/17/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have absolutely no knowledge of this account and im seeking validation of ACCT # XXXX {$560.00} its not mine
|
| 09/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have an account in collections that was fraudulently created.
XXXX XXXX XXXX - XX/XX/2017 - {$75.00}
|
| 05/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed these account many time with the collector and they insist.
|
| 12/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I Had Health Insurance With My Current Employer At This Time!!!
|
| 01/06/2024 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/23/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 07/08/2023 |
No |
- 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 |
|
|
|
| 03/27/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/26/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 03/16/2023 |
No |
- 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 |
|
|
|
| 02/23/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/16/2022 |
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
|
|
Phone |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/15/2022 |
No |
- 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 |
|
|
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2022 |
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 |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 07/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 07/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 05/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 12/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 08/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 07/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 07/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/04/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/09/2017 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 10/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/19/2017 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/26/2017 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/19/2017 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/07/2017 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/08/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/15/2016 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/07/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/22/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/09/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 08/01/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/15/2016 |
No |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 07/07/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 06/09/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/04/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/02/2016 |
No |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 04/20/2016 |
No |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/06/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/30/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 03/04/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/12/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 11/20/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/07/2015 |
No |
|
- Incorrect information on credit report
- Public record
|
|
Web |
|
|
|
| 08/27/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/11/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 01/29/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/23/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/02/2014 |
No |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
|
| 09/25/2014 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/29/2014 |
No |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
|
|
|
| 06/15/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/08/2014 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/25/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/07/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|