All State Credit Bureau, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48101
Web
OnXX/XX/XXXX I received my credit report from XXXX. It listed a collection account by the name of Allstate Credit Bureau say i owe {$2300.00}. I sent out a letter on XX/XX/XXXX to Allstate Credit Bureau asking them to verify a couple things which I am attaching you a copy of my letter I sent them. AllState Credit Bureau responded with a letter saying I owe them {$2300.00} with a attachment from XXXX XXXX XXXX XXXX. I never heard of them and they claim I owe damages to a apartment. I looked at the paperwork and I never lived at the address that they are claiming. this is what I wrote in my letter to Allstate Credit bureau : Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specially Naming ( ALL STATE CREDIT BUREAU ) as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. 6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations. Allstate Credit report never gave me what I asked for and is in violation under the FDCPA. Also I want to see this sign contract of these apartment lease that I signed with this company, because I never lived there. I want Allstate Credit Bureau to remove this collection off of my credit reports immediately or face consequences
10/10/2023 Yes
  • Debt collection
  • Rental debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02760
Web
Name : XXXX XXXX Email : XXXX Phone : XXXX Company : Allstate Credit Bureau Whom : XXXX XXXX XXXX XXXX open : XXXX XXXX Original amount : {$3200.00} Offer of settlement : {$1500.00} 1st call- XX/XX/XXXXXXXX I asked about a settlement payment, I was told by the manager it would be {$1500.00} to settle the debt. I XXXX XXXX said okay can I call you back once I have that amount. She said yes. Unfortunately, when I got the money I needed a vehicle instead to get my child back and forth to school and myself to work. 2nd call- XX/XX/XXXXXXXX Before tax time I called back to see if I was still able to have the settlement payment of {$1500.00} to settle the debt. The lady ( dont remember the name ) informed me that I can still pay that. I said okay thank you again my apologies I will call back to pay. Im XXXX the vehicle I bought in XXXX has went out. So again Im buying another during tax time. So no payment or agreement was made. 3rd call- XX/XX/XXXXXXXX I called back again, knowing I was able this time to pay. Once, I called Allstate Im informed that my information has been sent over to someone else. I said okay well I wasnt informed of that information. So I requested who the person was that had my information. That give some guy name unfortunately I dont recall his name. I them okay thank you. I call that number he answer I explained who I was to him. He told oh yes Ive been trying to get some papers to you and your husband. I said my apologies unfortunately we was no longer living in Michigan. Mind you I had no idea that he was looking us. My mother in law did inform myself and her son that a man did come knocking her door looking for my husband XXXX XXXX. Again unaware. 4th call- XX/XX/XXXXXXXX Tax time comes around Im really wanting to settle the debt. So I call Allstate again and see if I can pay. The lady or receptionist informs that they cant do anything on their end because of my information still being with their lawyer. So I ask for the phone number again to handle the situation. I call they lawyer, he picks up and again I explain myself of who I was. Moving forward, he said okay yes I have your information right here, how would you like to settle the debt. I said well how much is it right now. He said its about XXXX XXXX. I was shocked and I asked how. He said well due to interest and fees that is why the total is that amount about XXXX XXXX. I told him unfortunately I cant pay that much can I do a settlement payment. The lawyer then says, okay I would have to get in contact with the courts to see about a settlement. I said okay thank you this is my number to reach me at so we can take care of it. He said okay. Ever since XXXX I havent heard from. I waited two weeks because Im like hey youre a lawyer may be busy no problem. So once the two weeks was up, I called him back NO ANSWER, I left a voicemail explaining I was waiting for call back about a settlement to handle my debt. After I got off the phone with his voicemail, I called Allstate back. The only thing Allstate said to me when I called back was unfortunately it is out of our hands, you have to wait for him to return your call or call again. Again, at that point I left it alone and waited. XXXX comes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this month Im looking at places and putting in applications. I had one call back from XXXX XXXX XXXX, they informed me that my eviction was closed but still in collections. I explained to them what was going on and that I may have to get a lawyer involved. They denied me and said I have to take care of the issue. Applied to another apartment called XXXX XXXX, they seen it as well saying its closed but still Im collections. They also told me well you will have problems getting some where until you pay it. Again, I informed them that I may have to get a lawyer involved to settle that problem. So, I reached out to Allstate again explaining that Im really wanting to take care of the debt but I cant do the whole amount. I asked if I can do half of the payment, Allstate no I am not able to do that I would have to pay the whole amount. I said okay well I cant is there anything else I can do. Allstate then proceeds to say from here on out all communication need to be done with their lawyer. I said, Im sorry but your lawyer hasnt called me back since XXXX. Allstate said only thing we can do on our end is send a email letting him know to reach out to you. I replied okay, please do thank you.
03/02/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48603
Web
I rented a Townhouse from XXXX XXXX XXXX ( XXXX XXXX, XXXX, XXXX Mi ( XXXX ) XXXX ) from XX/XX/XXXX to XX/XX/XXXX. At the beginning of XX/XX/XXXX I requested a 9 month lease due to I was going to purchase home. I ended getting a house and gave them a notice and I was Leaving XX/XX/XXXX 3 months early. There was a waiting list for the townhouse and I was told by Manager XXXX XXXX the Townhouse had already been rented an they needed to know when I was moving out. I payed XXXX 's rent. Someone moved in on XX/XX/XXXX so 3 Days without a renter. They first send me a statement for XXXX which including the 3 remaining months on the Lease. I replied and told them I knew the place had been rented so they can charge me for the 3 months rent. They agreed and stated they would send me a know statement, I requested they email any future statements to me because I did not want them to have my new Address. At the time I moved out the Manager had left and so I did not know who was running the place, I have all the letters and statements. I never heard or was emailed any 2nd Statement. I figured if they removed the 3 months rent and they still had my {$200.00} Security Deposit which would have covered all the Misc Item they had on there they just forgot about it. The collection agency ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ) contacts me beginning ofXX/XX/XXXX stating I owe Clairemont {$1400.00}. I told them I never received any 2nd statement, come to find out they didn't email me a copy they sent to my old address where they knew I did not live. Finally get a copy of statement and XXXX has {$1200.00} re-rental Charge and re-rental fee above plus all the Misc items from the first statement. The collection company told me I could pay it or dispute it, I disputed it and she said " they want this to go to court anyways '' I was happy to have a judge hear this they just made up the {$1200.00} in fees. The lease states they can charge {$300.00} for breaking the lease. Well they never took me to court BUT I notice my Credit score dropped, the collection company put is on my Credit report. No one can tell how they can do that without a judgment against me. Did not know what I could do so I just took the hit on my credit. Last month I get a letter from an Attorney ( XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) stating she has retained to collect the debt and added {$180.00} in interest so now I owe {$1600.00} and put it back on my Credit with the new amount which caused my credit to drop again. They are abusing the system I don't owe any back rent, they are out no money the place was rented right away and any maintenance ( Painting, Carpet Cleaning ) had to be done anyway I lived there for XXXX. There has to be law against a company just making up absurd fees and the Collection company does not ask for prove and screws someone credit up. The Maintenance person and me had some disagreements the last year I was there and this is a Vendetta from that, Why he had access to my leasing file I will never know. I was more then ready to get this in front of a judge but they never took me to court. In the last month I send a Cease and Desist letter to the Lawyer and Collection company. I am disputing the debt on XXXX not sure where that was go. I also paid a {$54.00} premium a month for wanting a 9 month lease, A {$100.00} non-refundable deposit plus {$25.00} above and beyond my rent for my Dog so I have giving place enough my money. Can you Please Help me.
04/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • MI
  • 48125
Web
My Fiance and I moved out of a bedbug infested apartment complex in XX/XX/2016. The landlord attempted to keep our {$200.00} security deposit, and charge an additional {$310.00}, because the carpet was left in poor condition. We have actively been disputing this, citing Michigan guidelines for dealing with bedbugs in multi-unit housing which clearly indicate the carpet should be replaced in most cases, and requires a special bedbug vacuum in order to prevent spreading infestation to new places. We feel this is a totally unreasonable expectation for a landlord to place on their tenants. In addition to this, my fiance 's name has been misspelled in every piece of communication we have received from both XXXX ( the apartment complex ) and All State Credit Bureau ( The debt collection agency ). We realized this when we received an updated list of damages with a security deposit refund check that was refunded " under dispute. '' However my fiance 's name was misspelled on both the updated list and the check. When we pointed this out to XXXX, XXXX, a XXXX representative, responded by saying this, " I have attached a copy of the security deposit refund form with the clerical errors corrected. ... Your account will be turned over to All State Credit Bureau for further collections on XX/XX/XXXX. They will be in contact with you after that point. '' So we recieved a new list of damages, with her name still spelled incorrectly, but differently this time, but no mention of a new check being issued. This seemed extremely suspicious to us, so we have not attempted to deposit the check and for all intents and purposes our security deposit is still being held. The reason for our complaint is this. We received a letter from All State Credit Bureau in mid-XX/XX/XXXX saying that we had 30 days to dispute the debt. We responded within 30 days on XX/XX/XXXX via certified mail which we were able to verify was signed for and delivered to their agency. As of today, XX/XX/XXXX, we have not retrieved any form of debt verification from All State Credit Bureau. Yet on XX/XX/XXXX we received an email attempting to collect the debt that has supposedly been transferred to All State Credit Bureau. As outlined in our dispute letter, we are not sure why so many entities are still attempting to collect this debt, or who has a rightful claim to it. If, as XXXX said, the debt has been transferred to All State Credit Bureau, we must assume that the collection attempt we received was approved by their firm.
07/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48174
Web
Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address a matter of utmost importance concerning the unauthorized use of my personal information by Allstate Credit Bureau . This letter serves as a formal notice to immediately cease all communication and any further use of my information, unless you are willing to engage in discussions to rectify the violations committed and provide appropriate compensation. It has come to my attention that Allstate Credit Bureau has been accessing and using my personal information without my consent or authorization. I hereby demand that you immediately cease all communication and refrain from any further use or dissemination of my personal information, as it is a clear violation of my privacy rights. Furthermore, I would like to bring to your attention that the business name " Allstate Credit Bureau '' is misleading and potentially in violation of the law. The only recognized credit bureau authorized to assemble and evaluate consumer credit and other information is the Consumer Protection Bureau. Referring to yourselves as a credit bureau implies a level of authority and credibility that you do not possess, which is deceptive and misleading. I insist that you immediately cease using the name " Allstate Credit Bureau '' and refrain from presenting yourselves as a credit bureau. This misrepresentation of your business name is not only misleading but also against the law. I hereby request that Allstate Credit Bureau take the following actions : Cease all communication and any further use of my personal information immediately. Provide written confirmation of compliance with this cease and desist request within 10 days of receipt of this letter. Engage in discussions regarding the violations committed and provide appropriate compensation for the unauthorized use of my personal information. Please note that failure to comply with this cease and desist request will result in further legal action to protect my rights and seek appropriate remedies. I anticipate your prompt attention to this matter. Any future communication from Allstate Credit Bureau should be in writing and strictly limited to the resolution of this issue. Thank you for your immediate action in this regard.
09/28/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48340
Web Servicemember
I received correspondence from XXXX XXXX XXXX in an attempt to collect multiple debts. XXXX XXXX XXXX has themselves listed as the original creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt Original signed contract between myself and this creditor, not a copy. If XXXX XXXX XXXX is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Other : XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX. Absolutely no phone calls. If correspondence from XXXX XXXX XXXX in any manner other than permitted I will cease all communication ( invoking my legal right to request XXXX XXXX XXXX to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.
06/21/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48076
Web
On XXXX XXXX, 2017, I contacted XXXX XXXX XXXX through email to get clarification on why I did not receive my security deposit or any correspondents within 30 days of vacating the unit.

XXXX XXXX XXXX responded on XXXX XXXX, 2017, that they kept my security deposit, along with charging me an additional XXXX dollars for the alleged damage to the unit. I wrote a letter disputing those charges the same day. Approximately, 1.5 weeks later, they send me a letter with those same charges I disputed.

I called the corporate office of XXXX XXXX XXXX to get clarification on the charges. A representative send me over to the collections department, who indicated my file was with a collection agency by the name of All State Bureau. I asked the representative, how are they collecting on a debt that was disputed, without a judgment? She told me to contact the collection agency to dispute the charges.

It appears that XXXX XXXX XXXX violated Michigan law. According to Act 348 of 1972 554.613 Action for damages ; retention of security deposit ; waiver. Sec. 13. ( 1 ) Within 45 days after termination of the occupancy and not thereafter the landlord may commence an action in a court of competent jurisdiction for a money judgment for damages which he has claimed or in lieu thereof return the balance of the security deposit held by him to the tenant or any amount mutually agreed upon in writing by the parties. A landlord shall not be entitled to retain any portion of a security deposit for damages claimed unless he has first obtained a money judgment for the disputed amount or filed with the court satisfactory proof of an inability to obtain service on the tenant.

This process was not followed.

10/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48340
Web Servicemember
All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.
08/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MI
  • 48047
Web
XXXX XXXX and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under All state credit bureau inc. Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Which I received no such letter from either credit bureau. All state credit bureau inc as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX needs to address this situation. From what Im being told is the account is paid off and terms agreed to by all state credit bureau of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
12/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 483XX
Web Older American
I rented an apartment at XXXX in the XXXX managed by XXXX XXXX XXXX for more than 10 years and Paid rent on time 99.9 % of the time. However, XX/XX/2021 during the pandemic Landlord decided to send me a notice that I received when I returned from an emergency out of town trip that stated that landlord intended to terminate my lease effective XX/XX/2021. However when I tried to pay XXXX 's rent landlord returned my check stating they intended on evicting me on XX/XX/XXXX and could not accept my check. This matter finally came before the XXXX XXXX XXXX XXXX XXXX, Michigan XX/XX/2021 and was settled with my payment to landlord in the amount of {$7000.00} that was not to include any penalties or late fees and covered 6 months rent part of which was Gas and water and sewerage. for the last 12 months in XXXX my rent was {$970.00} + {$75.00} ( uncharge for month to month ) = {$1000.00}. Additionally, with the utilities included my average monthly was {$1100.00} for the past year. the court order was settled with {$1100.00} per month which included the utilities that were managed by the landlord XXXX XXXX XXXX. However they are now trying to keep my {$370.00} deposit and falsely claiming I owe {$220.00} for the same bills I have paid. The collection agency representative was interrupting me while I was trying to explain. I felt talked down to and unfairly treated. She told me without even checking that I owed the money for legal fees or something so pay it.
01/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • XXXXX
Web
After moving out, we were contacted by the apartment manager that we had to pay x amount of money for damages. We called repeatedly asking for more information, because we did not damage anything during our time there. We never heard a response. They continued sending us letters that told us to pay. We sent letters back begging them to tell us what the damages were. We told them, we were not going to simply hand them over money for something, especially when they wo n't tell us what it was for. Some time passed, and we get contacted by a collection agency. They go on to tell us that we owe money for damages to our apartment. I ask what are the damages? All this time and no one would tell us!! The collection agency did n't even know! They said they had to contact the apartment complex to find out. Another two months pass, I called the collections agency almost every day trying to figure out the problem. They finally receive an answer. They said the damage was to the carpets. We definitely did not damage any carpets. I asked them to send us proof of the damages and pictures. They send us a letter that simply tell us the price to pay. No pictures. No details. I believe we are being lied to here. And, during the time of this charade, these XXXX agency have successfully damaged my credit score.
12/12/2022 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
  • MI
  • 48207
Web
I began to work on my credit in XXXX and noticed that Allstate Credit Bureau was reporting an account from a previous lease at XXXX XXXX XXXX in XXXX, Michigan. I moved out and after a shooting occurred that caused damage to my apartment. I requested that the repairs to the property be made directly after this incident. It took the property management nearly XXXX months after the incident to make repairs. This did not happen until nearly XXXX of XXXX. At that time due to personal safety, health, and mental health concerns, I left the property and gave notification in XXXX. I allowed an appropriate time for resolution and repairs. Because the property management failed to provide a " safe '' and " inhabitable '' living space, I gave written notice of my wish to terminate my lease. It was only AFTER I submitted this written request that repairs were performed 3 days later. Their failure to make the space " safe '' after a shooting, as well as " inhabitable '' after the shooting in a timely manner is a CLEAR violation of the Michigan XXXX and XXXX Rights. Because of this violation, I demand that my previous lease be broken without any financial and/or credit worthiness penalty to me. And removed from ALL CREDIT REPORTING AGENCIES.
06/24/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48183
Web
your law firm is in violation of the fair debt collection practice act, and that violation robs the court of jurisdiction in this action against me. Any further drama in court over this matter will place the court, and the Judge in a position to share the civil liability with your unlicensed debt collection law firm. The fair debt collection practice act mandates debt collector law firms must have a license to collect debts, they must have a bond, and they must be registered with the Attorney General for the State they are attempting to collect in. Your law firm does not meet these legal requirements necessary to lawfully collect a debt in my State, and therefore has no legal authority to harass me. The fact this debt was charged off the original corporations books, claimed on their taxes and written off as an insurance loss gives rise to the appearance of R.I.C.O. The contract in dispute was not with your debt collection corporation, and therefore you have no legal standing to collect.
05/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • XXXXX
Web
XX/XX/XXXX I sent this company a certified letter requesting validation of debt paperwork. I received no paperwork validating the debt Allstate Credit Bureau , Inc. is reporting to all 3 major credit bureaus. On XX/XX/XXXX I sent a certified letter no response. On XX/XX/XXXX I sent a certified notarized letter with a signature recipient card attached. I received the card back from the post office showing Allstate Credit Bureau received the letter. However, I still didnt receive validation of debt documentation. I filed a complaint with CFPB on XX/XX/XXXX & XX/XX/XXXX however I still received no documentation. In addition, I filed a dispute with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Furnisher has an obligation to ensure accuracy of information and to correct all errors. However, The Furnisher for Allstate Credit Bureau is continuously breaking the laws of the FRCA and violating my rights. Lastly, I filed a complaint with the FTC on XX/XX/XXXX.
04/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48089
Web
I received an inquiry on my credit report on XX/XX/2018. I am not applying for anything. I called the Allstate Credit bureau which is listed and they indicated I should call a XXXX XXXX I did not authorize this inquiry and it should be illegal to pull someones credit. Allstate Credit bureau also not not have a valid license to collect in the state of Michigan. I have no clue what is going on. My credit was pulled without approval by an unlicensed or bonded company in the state of Michigan. Their inquiry or attempts to collect on anything that has not been verified or validated while they are not licensed must be cease and deleted from my reports. I am not in any way acknowledging anything because I dont know whats going on but they are not licensed if bonded. Michigan requires the license as well. If the need is present to go to my attorney general and XXXX I will Thai is wrong Im so many levels.
10/27/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MI
  • 483XX
Web
I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. XXXX XXXX
06/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MI
  • 482XX
Web
Hi, I don't recognize this company. I don't recall ever entering into a contract with this company. Judging by the name, it appears to be some debt from me being XXXX against my on free will.if this is the case, I have been incarcerated since XXXX of XXXX, so if there was any notification of debt owed, I never received it. I was released on XXXX, XXXX, XXXX. So, I disputed this debt, and I said that my address had changed, and they still would not remove this debt off of my credit report. I never had a chance to disagree or dispute the amount that is alleged that I owe. I was XXXX for 4 years and 9 months, so if I owed any debt for being XXXX, my time XXXX should cover it. But, I know I never entered into any contract saying that I would repay someone for being incarcerated against my free will. So, please have them to remove this debt, I was never notified of it ... thank you, very much.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48167
Web
The company listed as ALLSTATE CREDIT BUREAU INC has fraudulently did a hard inquiry on my credit report posing under the guise of being a credit reporting agency and they are in fact not. They also list themselves as a lender or bank which they are in fact not. I have reported this with XXXX as this is the only place I have seen don't do a hard inquiry so far however that is because on XXXX I have a temporary freeze on my account and on XXXX I'm going to place one as well. I am unable to freeze my account on XXXX because it charges a fee to do so. This company is out of XXXX XXXX Michigan I have attempted to contact them and nobody ever answers the phone number that they list. Further research online shows that they have done this to other people and it's fraudulent. I have no credit collections I have no outstanding bills and I do not know who this company is.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 117XX
Web
Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA.
11/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48239
Web
AllState Credit is attempting to collect on a debt that is NOT owed to them. I have repeatedly sent them letters asking them to VALIDATE this alleged debt they say I owe them. They have yet to send anything validating I owe AllState Credit Bureau this alleged debt.They have marked my credit report in a collection status. My credit report shows XXXX dollar amount and account number and the letter they sent in the mail shows a different dollar amount and a different account number. AllState Credit Bureau is reporting inaccuracies across the board. According to my credit report, there is no date of first delinquency, there is not a date of first major delinquency and the balance is not correct I want to have this account PERMANENTLY deleted from ALL XXXX of my credit reports.
04/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48045
Web
This complaint is based upon not receiving a response from Allstate Credit Bureau after sending a letter requesting information from them. On XX/XX/XXXX, I mailed a letter asking for validation of the debt in which they are advising that I owe an amount of {$200.00} on account number XXXX. As of today XX/XX/XXXX, Allstate Credit Bureau has failed to respond to my request of this information. I am providing a copy of the letter that was mailed to them, in addition to the certified mail receipt and proof of delivery. At this time, I am requesting immediate removal of this account from the credit bureaus of which this information is being reported. I look forward to your time and attention to this important matter.
10/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 923XX
Web
On XX/XX/XXXX, Allstate Credit Bureau added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX XXXX attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. According to FCRA, Allstate Credit Bureau, had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.
08/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48180
Web
Paid All-state Credit Bureau on XX/XX/2020 XXXX in full still saying unpaid. Filing a complaint against this company. Its illegal for a collection agency to collect and the collection was paid. Especially when it was never the original creditor that I owed debt to. Also this would've never been paid if I didnt need this to be paid to get the mortgage on my home. I've sent a letter to the Attorney General Office for further investigation on this company. I've put in multiple complaints with this company and CFPB has not did anything or investigate this company at all. I will keep filing complaints until this matter is resolved and removed off my report.
08/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48167
Web
This company called Allstate credit bureau continues to harass me without validation of debt without any notice of the debt without any documentation and I don't know what it is for and they continue to put it on my credit report and try to run my credit report. I've had to go to the length of freezing all of my credit reports as I was a victim of identity theft and I don't know who this is or the company or the debt. They are attempting to say that I over {$10000.00} and fees related to housing during covid when there was a moratorium on rent and during a time I didn't live in Michigan.
06/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48076
Web
This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. They are adding hidden fees along with blatantly lying to the credit bureaus.
10/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MI
  • 48340
Web Servicemember
We paid this account XXXX weeks ago. It has cleared and posted to our bank and everything. The company XXXX instructed us to dispute the account once payment was cleared as paid and they would remove it from all reporting agencies. We did this on XXXX recorded lines ( ours and the companies XXXX. We have done so and the company responded that a balance is still owed and the account is still reporting. At this point we are not disputing anything we would just like it removed as promised since all funds have been cleared and paid in full.
06/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48183
Web
I have an inquiry on my report that was not authorized by me from the following company, ALLSTATE CREDIT BUREAU. I disputed this fraudulent credit inquiry with XXXX from XX/XX/2019 until the present and no action was taken. Please delete this unauthorized inquiry. I am compelled to demand that you provide communication exclusively through US Postal Mail. If this rational request can not be met, this is a clear indication of XXXX and ALLSTATE CREDIT BUREAU disregard for consumer protection statutes.
04/24/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48035
Web
Allstate Credit Bureau false impersonated my identity to XXXX Credit Bureau. There company falsely obtained my credit information by misrepresentation of themselves. They stated to the credit bureau I tried to obtain credit from there company which resulted in a hard inquiry being place in my credit report. I never tried to obtain credit from Allstate Credit Bureau nor did I give them authorization to run my credit. The debt they are claiming I owe is a result of identity fraud.
03/21/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48224
Web
All state Credit Bureau, has attempted to collect a medical debt. I advised through a letter of Debt Validation, that was sent on XX/XX/2022 USPS certified mail. I have yet to receive the request documents, which have been verified that their company received. All State Credit Bureau @ XXXX XXXX XXXX XXXX XXXX MI XXXX Is in violation of the Fair Debt Collection Practices Act And I want this account removed from my credit report! Thank you!
09/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48035
Web
I sent a certificated letter XX/XX/2019 to All-State Credit Bureau XXXX Inc informing them that a debt on my credit report did not belong to me. Im addition, I ask them to provide me with the documentation that was used to verify this debt or remove the debt from my credit report. However, I received insufficient documentation dated for XX/XX/2019. They sent a lease agreement with someone else signature.
07/14/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • MI
  • 48204
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
11/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48081
Web
I have no idea who this is on my credit report. I have no recollection of any contract with this company and I would like it resolved by having them take down whatever is on my credit report from them. They have no personal information of mine nor did I give consent to any of it. I have asked them to stop contacting me in a cease and desist. And I would like this if my credit report promptly.
08/31/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48091
Web
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
11/18/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48091
Web
You are listing on my credit report without my authorization or acknowledgment. This unauthorized access to my social security number without consent constitutes identity theft. What's even more concerning is the absence of a letter from you, providing me the opportunity to review the purported debt. Additionally, I haven't received any notification from you claiming that I owe you money.
03/31/2022 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • XXXXX
Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) with the account number XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/15/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • MI
  • 482XX
Web
This debt was submitted for collections without proof of debt owed. The company was contacted phone and could not verify or provide any proof. It was then agreed that the debt would be satisfied after speaking to the companys alleged lawyer. However the account remains on my credit report after I have been garnished for an unverified debt that has since been paid in full.
03/31/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48089
Web
XXXX XXXX jail they put XXXX on my credit report told me I have to paid them because they took over the debt I didn't no knowledge of this was going to in facts my credit score. They put this on my credit without my knowledge didn't know nothing about into I talk to a private company call Allstate bureau they told me I got paid them or this will keep hurt my credit score
08/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48505
Web
This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.
01/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48186
Web
I send a letter to this company dated XX/XX/XXXX. It is now XX/XX/XXXX ive never gotten a response from them. I have tracking number and proof of delivery. They are showing on my consumer report that the account was open XX/XX/XXXX and it has a balance of {$1300.00}. I have never had an account with this company.
12/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48185
Web
I have tried to dispute the debt of {$2300.00} from Allstate Credit Bureau from my credit report. This is not my debt. I have attempted to contact the agency and was unsuccessful. This debt does not belong to me and I want it removed from my credit report immediately before pursuing any further actions.
02/07/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48124
Web
According to my credit report, this company reported negative information on XX/XX/XXXX 2 years after my last payment of {$650.00}. My residency ended with the company on XX/XX/XXXX. There were no judgements filed regarding this matter over the last 6 years, just negative reporting on my credit report.
04/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48125
Web
This is a complaint related to other complaints I have already submitted. Case numbers of the related cases are XXXX and XXXX. As of today I have still not received any verification of the debt and am still getting collections attempts via email. Attached is a copy of the most recent communication.
05/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 492XX
Web
All State Credit Bureau , Inc. was paid {$1500.00} on # XXXX and was settled. They reflected a XXXX balance on the receipt as well as reporting to the three major credit reporting agencies however they are acting as a lender and not a debt collector refusing to close out the account.
06/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48221
Web
I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
09/20/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48167
Web
I have sent the attached documents to verify debt. Creditor has not provided. Also sent attached letter to all credit bureaus and XXXX has been the only one to fail to respond and take action. Allstate never followed Fair Credit guidelines. Still not following.
06/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48340
Web Servicemember
Paid debt in XX/XX/XXXX to companies alleged debt. No reporting to the credit bureaus had occured at that time and the old account had a XXXX balance. Comoany has now reported debt on XX/XX/XXXX as a new unpaid debt do the same account which is untrue.
05/31/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 483XX
Web
The company all state credit bureau is not licensed and bonded in Michigan to act as a collection agency currently. They are illegally attempting to collect debt although not properly licensed. the calls are very aggressive and harassing as well
03/07/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web
I have tried disputing this collection debt account. I have requested full verification of this account. I have not had any success with my attempts to get this debt account validated by the credit reporting agency or the original creditor.
09/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 296XX
Web
There has been multiple hard and soft credit pulls on me that was not authorized by me. I do have the XXXX XXXX XXXX, XXXX XXXX, and XXXX. The employer info is also correct. There are also several address listed that I have never lived.
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 482XX
Web
i am not liable for this debt with ALLSTATE CREDIT BUREAU an do not have a contract with ALLSTATE CREDIT BUREAU, An they did not provide me with the original wet ink application like I asked.
02/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48331
Web
All State Credit Bureau ran my XXXX credit report twice in XXXX without my permission. I have emphatically disputed the alleged debt and they have no grounds to pursue me for any money owed.
04/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MI
  • 48035
Web
My collection for XXXX XXXX unpaid account is as removed on XXXX XXXX on XXXX and XXXX they put it back on there 2 weeks later on my XXXX this is a violation Under the law.
08/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48021
Web
I am not liable for this debt with XXXX plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$770.00}
02/15/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48346
Web
My old place of residency is trying to charge me more than what we originally agreed to what I will pay
08/17/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48036
Web
Somebody stole my identity they took my wallet and started using my ID and my debit cards
07/23/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48021
Web
XXXX XXXX belongs to me somebody must have stole my identity it is damaging my credit
03/11/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48228
Web
reporting an erroneous account to XXXX credit bureaus that have not been verified
02/07/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48080
Web
Amount {$320.00} have no information about it
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48239
Web
01/08/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48185
Web Older American, Servicemember
01/05/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • XXXXX
Web
11/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48076
Web
11/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48328
Web
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48237
Web
09/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48212
Web
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48076
Web
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48228
Web
07/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48219
Web
07/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48219
Web
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48076
Web
07/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48076
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48228
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48228
Web
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48221
Web
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48221
Web
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 45042
Web
02/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48225
Web
02/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48225
Web
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48223
Web
09/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48224
Web
09/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48433
Web
08/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48221
Web
08/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48221
Web
07/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Report provided to employer without your written authorization
  • MI
  • 48207
Phone
06/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48221
Web
06/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48221
Web
05/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MI
  • 48326
Web
03/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48237
Web
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48221
Web
03/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48393
Web
02/26/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48237
Web
02/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CT
  • 06902
Web
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MI
  • 48221
Web
11/05/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48240
Web
07/12/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48021
Web
05/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48021
Web
02/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48230
Web
02/08/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48082
Web
12/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48225
Web
11/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48237
Web
05/04/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48135
Web
02/19/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92108
Web
02/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48340
Web
01/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48340
Web
01/15/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48236
Web
11/07/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48235
Web
08/15/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48033
Web
08/08/2019 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • MI
  • 48326
Web
07/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48180
Web
06/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48195
Web
01/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48505
Web
01/18/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48601
Phone
12/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • AZ
  • 85305
Web
09/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MI
  • 48601
Web
09/10/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MI
  • 48393
Web
09/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32792
Web
08/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
07/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48601
Web
05/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MO
  • 63301
Web
04/27/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30311
Web Older American
01/14/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48044
Web
12/06/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48316
Web
10/24/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60462
Web
08/12/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48088
Web
07/18/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • MI
  • 48187
Web
04/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 60462
Web
02/25/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48759
Web
12/12/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48371
Referral
04/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48035
Web
04/11/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MI
  • 48066
Web
05/08/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48021
Web
09/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48038
Web
07/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MI
  • 48141
Web
10/10/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MI
  • 48224
Phone