American Accounts & Advisers, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Re : American Account & Advisors , Inc To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
04/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55426	Web
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2018 American Account & Advisers XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Alleged debt owed of XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
02/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55419	Web
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
02/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 553XX	Web
I had an emergency XXXX last XXXX at XXXX XXXX XXXX in XXXX, MN. Payment from my insurance company ( XXXX ) was held up because XXXX had only sent anesthesiologist bills and not the bill for the actual XXXX. I was sent large bills but I knew they were incorrect as my insurance is a very good one. My insurance had to call the hospital to get them to send them the XXXX bill so they could process the claim. I was told by my insurance NOT to pay those bills and to wait for an accurate bill to be sent out. The correct total I owe ( according to my insurance company ) is {$150.00}. I'm more than happy and capable of paying that immediately but to date I have still yet to receive a correct bill from them. I've tried calling multiple times but they keep telling me I don't owe them anything! In spite of this, a collection agency keeps calling my cell phone and harrassing me. They have also sent a couple letters. One time I spoke with them I made it very clear that all I needed was an accurate bill from XXXX and I would pay it immediately. The collection agency was trying to collect over {$700.00} from me and I had to inform them it was only {$150.00}. I'm at a loss as to why XXXX would send a collection agency after me in the first place. The delay was caused initially because they didn't bill my insurance correctly and later because they didn't send me a correct bill showing what I truly owe them. I'm starting to wonder if this collection agency is even legitimate? I'm writing you now to complain because I saw 2 derogatory marks on my credit report from American Accounts AD and the original creditor is XXXX XXXX XXXX Nurse Anesthesiologists. and XXXX XXXX XXXX. I don't know what to do here. I have tried calling XXXX numerous times, hoping to get someone there to either send me an accurate bill or take my credit card over the phone to pay it. Neither happens because they say I don't owe anything. I could pay this collection agency but l question their legitimacy. I have had to correct them on the amount and told them that I wanted an accurate bill sent by XXXX but they only send me their ( American Accounts ) letter showing the amount they want to collect. How hard is it for XXXX to send me an accurate bill? I want these derogatory marks off my credit report. I've never had any and my credit is stellar. I'm not late on payments ever and XXXX should be ashamed of themselves handling their affairs in this manner for what amounts to a nice pair of shoes. Totally ridiculous. The attached documents show a few things. From the collection agency they have 2 charges that add up close to the amount I owe but one of them is XXXX more than one in my possession. I'm guessing it is one of the ones in question but the total is different. The 2nd bill I sent is for XXXX but the assumed corresponding bill is for XXXX. Quite the difference, looks like a decimal point. The post it note on there is the person I've phone tagged with and who says I don't owe anything. You'll also note that both bills are the same address but differently named outfits. When I call the number on the bill I get sent to the hospital and they say I don't owe anything.
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days XXXX XXXX XXXX
01/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55021	Web
This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Minnesota medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages.
07/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55412	Web
this company committed the HIPPA violation Whom it may Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. its a HIPPA violation I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55416	Web
Good morning, My official complaint, On XX/XX/2020 I paid 2 debts in full to the original company, XXXX XXXX. I sent a letter and proof of payment to the creditor, American Accounts & Advisers , INC. on XX/XX/2020. In that letter I requested proof of removal from my credit report within 30 days of receiving my letter and proof of payment. I never received anything from them to this date, XX/XX/2020. This debt continued to be reported unpaid by American Accounts & Advisers , INC. for the next 4 months, I attempted to dispute this with XXXX multiple times during that period but due to COVID there we not taking care of disputes due to staffing. On XX/XX/2020 I called XXXX and was able to talk to a person that submitted the dispute for me. I asked XXXX to direct me to a place where I can make formal complaint against American Accounts & Advisers , INC. inability to do their due diligence in removing a paid debt from my report that they knew was paid. I called the number and it was American Account & Advisers , INC. I was quickly directed to XXXX 's voicemail. I left an extremely professional message indicating this debt is paid and their lack of response is to say the least disappointing to blatantly ignore a paid debt and not do their due diligence to remove it from collections. I received a call this morning to say it is now reported paid. I asked what caused their lack of due diligence to report and why it took them 4 months. There was silence and I was given no reason at all, none. The phone call was recorded. I have been in the process of trying to get approved to buy a home, build my credit portfolio and been denied multiple times due to this debt not being reported paid. It has directly affected my life and what I am trying to build for myself and my family. These companies will harass you night and day but the moment we need them to report a payment, no response. It needs to stop and there should be consequences for companies that do this. Thank you, XXXX
05/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55404	Web
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
02/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55303	Web
I called American Accounts and Advisors regarding a letter I received stating I owed a debt of {$670.00} regarding a charge from XXXX XXXX XXXX on XX/XX/2021 at XXXX XXXX. I spoke with a representative, provided the File # listed on the correspondence and was transferred to the line of an individual named XXXX. My call went to voicemail, at which point I left my name, call back number and the File # listed on the letter. As I was ending the call I received another. I switched calls and was informed the person calling was XXXX and she had just missed a call from my phone number. I informed XXXX that I had just left her a voicemail regarding a letter I had received. She proceeded to ask if she was speaking with ( my name ) and I said yes. She then disclosed the name of her company and read me the mini-Miranda. I had asked why she would do that without proper verification. She informed me that all she needed to proceed with the call was to verify my name. I stated, " Not according to the FDCPA '', at which point she told me I was incorrect and that she was required to disclose the name of her company and that the communication was from a debt collector on all calls, including voicemails, and did not require verification to do so. When I questioned this again, XXXX then said, " Ok then, is your date of birth ( my DOB ) '' to which I verified. XXXX then proceeded to XXXX for payment. She continued to inform me of her company and XXXX XXXX credit reporting process. Additionally, the notice I received does not include any information about my right to dispute this debt. I feel this company is acting in an unfair and deceptive way. I have since checked my credit report and as a result, my credit score has dropped 61 points.
09/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31088	Web
American Accounts & Advisors resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted American Accounts, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. American Accounts responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by American Accounts bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet American Accounts continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I also reached out to American Accounts by phone and left a message for XXXX XXXX and have yet to receive a response. I am trying to purchase a home and this item is negatively affecting my credit report. American Accounts ' policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web
XXXX these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX black and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT XXXX no Im not happy I need to know who removed American account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XX/XX/2020 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to XXXX credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.
09/27/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55109	Web
American Accounts and Advisors are reporting the same debt from the same medical creditor for the same date of service seven times under different amounts. The collection agency via a phone call admitted to knowing the date of delinquency was 6 years prior however they are reporting the debt as new from the date they bought the debt which was years later. I tried to resolve this with the agency who in the same phone call admitted they know the 21 collection accounts ( some as little as XXXX cents they reported ) are from one date of service with the creditor and that the date of service is 6 years old, they admitted that they report the debt monthly, and that they know the creditor creates new " accounts '' under the patients name per line item on the medical bill when they send the patient to collections for one medical date of service. Despite knowing this the collection agency representative tells me that they are compelled to report this as multiple debts because thats how it was reported to them, this violates the reasonable person standard for reporting. As any reasonable person would know that a patient is not seen 21 individual times on one date of service. This seems fraudulent to me both on the collection agency 's side AND the reporting medical creditor. Additionally, the Collection agency sent one notice informing me of one amount due for this creditor, again, this shows that the collection agency is aware that there is only one debt owed but is complicit in reporting it multiple times for maximum negative impact to my credit.
04/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55109	Web
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
10/19/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MN 55337	Web
I have been receiving telephone calls on my mobile phone from American Accounts & Advisers ( AAA ) out of XXXX XXXX Minnesota. Today someone who identified themselves as " XXXX XXXXXXXX '' called my mobile asking for someone else. He proceeded to tell me about how they did not have a good number for this person and " thought they would call me ''. I asked why he would call my cell phone when I was not this person. He again said " we do not have a good number ''. I asked if I was listed on the account as a contact and he said " no ''. I asked him " then why are you calling my cellular phone '' and he said he had a personal business matter with the person ( and again gave their FULL name ). I asked if it was a collection and this was " skip tracing '' and he said " yes '' - illegally disclosing that this was a collection. He then ended the call without allowing me the chance to get a word in edgewise to tell him not to call my mobile number. I called back and he would not answer the telephone. I called the company and asked for the supervisor ( who turns out to be the owner XXXX XXXX XXXX but he also would not answer the telephone. I have been in contact with the person they are calling MY mobile number for and have been disclosing information about and let her know what happened and the violation of her rights that has taken place. Needless to say, she is irate and plans to take action herself as well.
03/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30350	Web
American Accounts & Advisers is fraudulently attempting to collect debts not owed. In response to my previous CFPB complaint ( XXXX ), American Accounts & Advisers stated that they have 5 collections accounts for 5 procedures at the XXXX XXXX XXXX. This is completely false, and I received verbal and written confirmation with XXXX Hospital today ( The XXXX XXXX XXXX is a division of XXXX Hospital ) that I only visited the XXXX XXXX XXXX 1 time, on XX/XX/12. This visit was paid for and there was no outstanding balance. There were not 5 visits as American Accounts & Advisers is fraudulently claiming. I have requested proof of these alleged office visits/procedures from American Accounts and Advisers, which they have failed to provide, because the 5 procedures were not performed. American Accounts & Advisers has also falsely claimed that they have sent 4 letters and attempted to call me regarding these fake debts, which they have not. This company is committing fraud and destroying my credit score in the process. The should be investigated for their corrupt practices. They should be able to provide proof of the 5 visits that they allege I owe payment for, but they can not because it is a lie. I have my file from XXXX Hospital which shows the 1 visit on XX/XX/12, and I will provide XXXX 's contact information so that my statements can be confirmed.
02/09/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55434	Web
I was in an auto accident that was a workman 's comp matter. There was some medical bills that were missed in the process, by the workman 's comp insurance provider ( XXXX XXXX ), as well as the original provider, didn't submit any outstanding personal medical bill to my insurance carrier ( XXXX XXXX ). The matter should have been resolved in XX/XX/2015. However, I recently, by chance received my first statement ( since I had moved from XXXX XXXX, MN to XXXX, MN ), an invoice stating that I was being sent to collections at American Accounts Advisors. I immediately notified my previous personal injury attorney. He then communicated with American Accounts, XXXX XXXX ( provider ), and XXXX XXXX. In the process of his engagement and attempts to resolve outstanding balances, American Account Advisors placed the account as a negative collection on my credit report- dropping my score more than 30 points. I immediately called American Accounts ( XXXX ), who confirmed my attorney was involved, but that XXXX believes I owe the balance ( since they haven't collected balance dues from insurance carriers ) so it will remain on my credit report ( doing irrevocable damage ). I can dispute on my credit report, but the agency will state as I documented in this writing above. Leaving me with yet another injury ( financial ) to my personal/ family well-being.
05/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55044	Web
this collections agency valeted the HIPPA law act I demand that the following accounts be removed immediately Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
05/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55104	Web
I am writing to dispute the alleged debt from American Accounts AD ( reported on XX/XX/2022, for {$220.00} ) with XXXX XXXX XXXX as the original creditor. According to the Fair Credit Reporting Act ( FCRA ), " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge and record the current status of the disputed information ... '' ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). I have not received any validation for this debt and request a thorough reinvestigation. Furthermore, the Health Insurance Portability and Accountability Act ( HIPAA ) prohibits the disclosure of protected health information without consent ( 45 CFR Parts 160, 162, and 164 ). The reporting of this debt through the original creditor 's name implicitly discloses my health information, which is a violation of my privacy rights. Pursuant to FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ), I demand a complete validation of this debt, including a copy of any document bearing my signature, proving the legitimacy of the debt. If you can not provide this, I insist on the immediate removal of this debt from my credit report. Thank you for your prompt attention to this serious matter.
04/23/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MN XXXXX	Web
XXXX XXXX American Accounts and Advisers Date : XX/XX/18 XXXX : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 5 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via-cfpb that you did receive my letter on XX/XX/18. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I look forward to hearing from you, XXXX XXXX
12/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55369	Web
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. also please remove this account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the accounts from my credit report! Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector also Please send me any signed documents with my signature attached as I have never opened up an account with your company! as I have never signed any application to open up any accounts with your company
07/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 553XX	Web
American Account Advisors has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). American Account Advisors isn't a creditor doesn't fall under a creditor per 1692a ( 4 ) .It is a fact that American Accounts Advisors is a collection agency and not a creditor, therefore they can ' extend credit to me, nor validate creditor foe me, as I'm the natural and original creditor. Meaning I owe American Account Advisors nothing and they don't have any right to demand payment from me. They proceed to violate my consumer right six times by listing six different accounts on my profile and sharing them with the reporting agencies XXXX, XXXX, and XXXX. They shared my personal identifying information with the agencies listed above to tarnish my repuation. This is fraud as I'm the natural person XXXX XXXX the consumer and original creditor of my social security number. They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above, and validating debt as if they're in fact XXXX XXXX. I will pursue criminal and civil charges on a federal level and local in the state of Minnesota, if this issue isn't solved. Their actions weren't legal.
06/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48312	Web
In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws. 3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information. 4. This consumer is without facts sufficient to form a belief that this consumer has a meaningful relationship with your company, and therefore must deny that such a relationship exists. 5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.
02/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
I received a bill from XXXX XXXX for anestesia that was provided for my daughter at XXXX 's in XXXX. I contacted XXXX XXXX to let them know they filed the insurance claim against me, not the patient, my daughter. My daughter had already met the XXXX deductible, thus, the cost would be borne by my insurance company. XXXX XXXX acknowledged the error and stated they would resubmit the claim properly to XXXX in my daughter 's name. I then received a notice from American Accounts & Advisers dated XX/XX/XXXX indicating they were attempting to collect my debt of {$570.00} shortly thereafter. I notified them of the above, they indicated that it was too late to submit to insurance and that I owe them the money now. I disputed the charge at that time. I received another notice on XX/XX/XXXX that I owe them the money. And have now received a notice on XX/XX/XXXX that I owe them the money and threatening legal action. I called them again today, XX/XX/XXXX, to find out what the dispute process is- they indicated their attorney may contact me but that they had noted this account was in dispute in XX/XX/XXXX as I requested.
12/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MN 55434	Web
I received a call from American Accounts and Adviosrs from phone number XXXX on XXXX/XXXX/2016. The man/woman i spoke to asked to speak to my first and last name, i acknowledged that was me, they preceded to state the bill I owed and asked if I had means ro pay it today. I said no, my husband was in a XXXX and we have many bills. They then made what I considered a very rude comment, so nobody is getting paid? That is not what I said, they got irritated when I questioned their demeanor. I then stayed I work in XXXX and they should verify more than my name and should state the mini Miranda. The person I spoke to was rude and accusing, I was not dealing with them and advised I would be reporting them and ended the call. I always pay my bills, it may not be timely for some but I always make good on my accounts and do n't appreciate someone teying to down grade me. Even if I had the money today, I would not have paid that person ( not even sure if the disclosed their name ). Unfortunately these are the people that give XXXX a bad name, working XXXX for the last 12 years of my career find it very rude.
10/18/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MN 55117	Web
First call was XX/XX/2023 at XXXX XXXX for an XXXX even on XX/XX/2023. 105 days after the XXXX. I informed the caller " XXXX '' on this first call, that the debit should still be with the original bill owner. Had not even reached six months. I have repeatedly stated such to " XXXX XXXX '' and that he can not call me during work hours as I can not take calls at work or can and will be fired. XXXX continues to call ; I have not received paper communications from the company he claims to be at. XXXX uses rude language and says, " Only people who are embarrassed of debt refuse to pay. Or complain about me. '' Calls are on : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the caller ID as XXXX set from the incoming call. I have told " XXXX '' several times he is calling during my work hours and to stop calling during my work hours. I have looked into the number he is calling from, and it has multiple complaints, and the business is not XXXX XXXX XXXX.
09/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 550XX	Web
I received a demand letter for a payment for a medial expense that I paid. I went into the portal, printed the documented payment and sent the payment information with a copy of the demand letter to the company. Months went by. I assumed all was taken care of until 8 days ago I was sent another letter which suggest that legal action could/would be taken. I called and was sent to someone other then the person on the letter. I was told to submit everything via email which I did as requested with an attachment of the paid invoice with a request that they confirm the receipt and the I told them if I did not hear from that the matter was cleared up I would file a complaint. 7 days later, I received a very odd phone call from them today, so I called back and was told about the dept and it needed to be paid. I was angered to say the least. I told him I sent documentation and he acted as if he received nothing. I pressed the issue and in a very unprofessional manner, XXXX hung up on me. This is the only recourse I have left.
10/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 522XX	Web
I received my first bill from XXXX XXXX XXXX on XX/XX/2023 showing my insurance had paid their portion and it was applied to my account. The original amount due, before my insurance paid their portion, was {$2000.00}. The final amount due ( my portion ) was {$160.00}. I mailed them a check dated XX/XX/2023 for {$160.00}. It was cashed on XX/XX/2023. In XXXX, I received another bill from XXXX XXXX XXXX, now charging me for the full amount of {$2000.00}, and not listing the payment that my insurance had made or that I had made. I mailed them a letter with a copy of my cleared check on XX/XX/2023 and asked them to correct their billing error and to please send my a new bill showing my account was paid in full. On XX/XX/2023, I received a notice from American Accounts & Advisers saying that they were contacting me to collect the {$2000.00}. I have responded to this collection agency with copies of both the billings, a copy of my insurance claim showing what they paid and what I owed, and a copy of my cleared check.
04/29/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55024	Web
On XXXX XXXX XXXX , I contacted in writing a collection agency called American Accounts Advisors , Inc. a Minnesota-based Company disputing an alleged debt owed that I noticed being reported to the credit bureaus that originated by a XXXX XXXX named XXXX XXXX XXXX XXXX ( XXXX ), which I never heard of. I requested in my letter to American Accounts Advisors for multiple information to validate their alleged claim of me owing money to EPPA with no response. My letter to the collection agency is attached to this complaint. American Accounts Advisors are reporting to the credit bureaus ( 4 ) different dollar amounts allegedly owed to EPPA, so I contacted EPPA requesting validation of any debt owed to them and they informed me that they have no records as the account was charged off. I looked up American Accounts Advisors, Inc. with the XXXX XXXX XXXX and they have several derogatory complaints about their practices.
08/03/2023	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	MN 560XX	Web
hese accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX bank XXXX : XX/XX/XXXX, American Accounts AD Reported : XX/XX/XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
05/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55044	Web
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. XXXX XXXX XXXX XXXX
03/27/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MN 553XX	Web
Re : response to complaint XXXX. My letter dated XX/XX/2017 is requesting you provide me with the contract I have signed with American Account & Advisors , Inc. that I owe the debt to American Account & Advisors , Inc.. You stated you sent me an itemized statement on XX/XX/2017, this has not been received. In addition, sending an itemized statement is not a binding contract which you are required to provide to validate the debt. Since you are unable to provide evidence of a contractual obligation to pay American Account & Advisors , Inc. the debt, you are required by Federal Law to remove these items from my credit report. The following accounts must be removed immediately : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. If items are not removed by XX/XX/XXXX I will be filing small claims action against American Account Advisors Inc. & XXXX.
01/27/2017	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	TX 78414	Web
XXXX XXXX of American Accounts & Advisers called me this evening after I had been working with one of his reps in getting an itemized bill from a medical bill. After I explained to him that I was working with one of his reps, he proceeded to tell me that I was " Taking advantage of her niceness '' and that he " knows people like me '' He claimed that I had no intention to pay and then made light of putting this on my credit report. When I asked for his supervisors name, he then gave me his subordinates name and number. I know this because I looked it up. The name He gave me was XXXX XXXX. If he would have stopped for a moment, I tried explaining I had n't received a bill most likely because I moved and I was also told that it was covered by my insurance. Rather, he thought it a better idea to make me feel like a child in the way he was speaking to me.
03/23/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MN 553XX	Web
I have sent 2 certified letters to American Account Advisors Inc., the first letter was dated XX/XX/2017 delivery confirmation number is XXXX, the second letter was dated XX/XX/2017 delivery confirmation number is XXXX, both my letters are attached to this complaint. My letters to American Account Advisors Inc were requesting validation, including evidence bearing my signature, showing that I have or ever had a contractual obligation with American Account Advisors Inc. My letter included instructions to verify the debt or remove the negative markings for accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from my credit report. American Account Advisors Inc. neglected to respond to my letter from XX/XX/2017 within 30 days and have violated the FDCPA 807 [ 15 usc 1962e ], as of XX/XX/2017 the items are still reflecting in my credit report.
11/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55378	Web
In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX XXXX in the amount of {$80.00} and it 's reporting on my XXXX credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law
07/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55337	Web
you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
04/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MN 553XX	Web
I have reviewed the statements that were sent by XXXX XXXX on XXXX / XXXX / XXXX . First of all, you have violat ed HIPAA on m ultiple accounts for myself and minor children. My requests have specifically ask ed American Account & Advisors , Inc. to p rovide a signed contract between myself and American Account & Advisors , Inc. pro ving that I owe this debt to you. Never have I asked for verification of service. Secondly, there is a discrepancy between the statements you sent me and what you are reporting on my credit report. The amounts and number of accounts does not match. You are in violation of reporting the credit bureau inaccurate information. Third of all, these dates of services were included in my bankruptcy and should not have been sent to collections. I have attached my discharge papers.
02/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI XXXXX	Web
In XXXX I noticed a negative mark on my credit report from this company. The original creditor was listed as XXXX XXXXXXXXXXXX XXXX XXXX a medical provider. I already paid them directly. I sent a letter to XXXX with a copy of the check XXXX XXXX XXXX XXXX cashed. I didn't hear anything else. The mark on my reports was marked as PAID, even though I paid the original creditor. They didn't remove the entire file. Today I received an alert from XXXX that XXXX re-opened the previously closed ( PAID ) account and added a new {$36.00} charge. I have not received any bill or letter from XXXX OR XXXX XXXX XXXX XXXX. I have previously disputed the validity of this debt. They are in clear violation of the FCRA. I have requested that this mark be removed from my credit report.
10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55124	Web
In XXXX a company called AMERICAN ACCOUNTS ADVISORS Located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent me a letter stating I owed them {$310.00}. I had never seen a previous bill from anyone else for that amount. I realize they are debt collector anc not the original debtor. I asked them to tell me who the original debtor was and what services they provided me. They did not have an answer to either question. I am more than happy to pay a bill I owe, but I refuse to reward con-artists and scammers. They should at least be able to tell me who the original debtor is. My guess is they found my personal info somewhere and just reported me to the credit bureau in an effort to extort me. Please help
09/10/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46235	Web
The man I spoke with told me to pay them {$25.00} a month directly so my account wouldn't go to report on my credit. I told him I didn't have income. Now I have 11 separate accounts reported on my credit report, each medical date individually, instead of reporting as one whole bill. They sent me one letter with the explanation of my past due amount to XXXX XXXX XXXX. It is listed under one file number with American Accounts & Advisers , INC. and it should not be reported as 11 separate accounts. I feel like they purposely damaged my credit, even though I am still paying them monthly, because I told them I could not accept his deal. It should be listed as one account.
08/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10012	Web
I had my car broken into where personal information and creditmcards were stolen is XX/XX/XXXX. I was a victim of identity theft as a result. Most recently, In XX/XX/XXXX I became aware that someone used my personal information to obtain medical services in XXXX XXXX. XXXX XXXX and their client American Account Advisors placed a fraudulent collection on my credit report in XX/XX/XXXX. I sent them the police report filed last XXXX and the Identity theft report I filed with the Federal Trade Commision and requested they remove the fraudulent collection from my credit report. They have not responded to my request or removed the information from my report.
11/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30066	Web
I checked my XXXX and I discovered that several medical bill was reported on XX/XX/2019 by AMERICAN ACCOUNTS ADVISORS. The account belongs to my ex wife to whom we have divorced and decree has been ordered that each person is responsible for their debt. I see that the date was reported in 2019 and I think she still continued to make payment up till our divorced was finalized. The other medical bill was reported to my account without a notice. I also believe I didn't owe the bill. All these was reported by AMERICAN ACCOUNTS ADVISORS on XX/XX/2019. The company is known for runing people 's credit. I have filed a dispute with XXXX.
11/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 55412	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. AMERICAN ACCOUNTS AD XXXX Balance {$880.00}
02/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55379	Web
The dispute i currently have is with Suburban emergency associates over a bill they did not properly bill or explain the charges on the bill. i asked them more then once for itemized records of where the numbers they have are coming from as i do not think i received the services they are billing for. Next thing i know there is a collection agency calling and sending letters threatening to sue me if i do not pay now. I responded to them asking that the matter be sent back to the service provider so i can try to get the correct bill amount and explanation they responded by threats of law suit.
10/11/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55443	Web
I have requested AMERICAN ACCOUNTS to cease sharing my private medical information because I never provided authorization for it. Even if I unknowingly signed something, I made it clear that I revoked any such permission. However, they have not complied with my request. Additionally, I find the charges on these accounts to be inflated, and they have not provided the itemized codes for each charge in these accounts. I have disputed these accounts, but despite my efforts, they continue to report to the credit reporting agencies ( CRAs ).
10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 40214	Web
Spoke with Mr XXXX today at XXXX. Inquired about medical bill and date. Informed him he put incorrect information on my credit report. I never received a call or letter from him or his company in regards to bill. He was very condescending due to his balance being XXXX and mine being XXXX. The company had already been paid by my insurance. When informed that this was fraud he stated " as if I gon na risk my company for {$35.00} '' He just may depending on how many people he over charges. I have a copy of the bill and will attach
08/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55311	Web
Could you explain this please? All you said was this! Company 's Response As a rule we send deletion requests to XXXX credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX. Look at the file I sent you proof showing this I mean your statement do not make a lot of sense! There it is in black and white you need to remove from my credit file tsend me a copy of your E Oscar reports for XX/XX/XXXX - XX/XX/2019 for proof or delete the account!!! Thank you
04/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55125	Web
Hi, This company reported my account to credit reports after speaking with and me asking for time to discuss this with XXXX XXXX. I spoke with American Accounts and Advisers and explained the situation, I was threatened about reporting to my credit report and not given enough time. I have not heard back from summit and this has now affected my credit. I sent American Account and Advisers a written letter of dispute. This is fraudulent billing practices and a violation of my rights as a consumer.
07/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55311	Web
American account can you view the file and confirm to me that is in fact your reporting? And also to the best of your knowledge is this reporting correct? It shows a open date of XX/XX/XXXX when you first reported And then looks like in XX/XX/XXXX All of a sudden it gets removed becomes a new account and nobody knows anything about it. This is im verifiable information and it Hass to be removed and also violations of the FCRA again one of you need to pick who wants to remove it Explain please
09/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98373	Web
they were never taken off i have 3 old ones on the XXXX credit report that should have been taken off. just like they were taken off my XXXX XXXX CREDIT REPORT. I have complained about this thousands of time and nothing has happen. ones for {$170.00}, {$170.00}, {$200.00}, Now there is another one on here i have never heard of or seen anything about for {$660.00} or something like that. please help me i am just trying to fix my credit reports up so there all right around the same.
07/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 461XX	Web
I had gotten a bill collection letter in the mail today, from physical therapy, filed in XX/XX/2023, file XXXX XXXXXXXX Well I do not owe any amount for my therapy appointments, every time I went in I did the right thing and asked how much I owe and my answer was nothing, it shows you owe nothing, so how am I getting sued for not owing anything? I havent even gotten a so called bill for this and Im angry, I did the right thing and now they say I owe them all this money, no, no I dont
12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77042	Web
XXXX has been non-compliant with removing the unverified account AMERICAN ACCOUNTS ADVISORS INC Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN ACCOUNTS ADVISORS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
12/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN XXXXX	Web
This is my second complaint. As of XXXX/XXXX/XXXX American Accounts and Advisers responded by saying they would have the original creditors send me itemized statements as I requested and alleging that I had already received these at the time of service. To date, now 30 days later I have received nothing from any of the original creditors nor anything from American Accounts and Advisers verifying any of these accounts they claim I owe.
09/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 55347	Web
This company is reporting an account on my credit report with incomplete information. I had to contact the bureaus to find out who was reporting it since there was no creditor name or payment details. I then contacted American Accounts Advisors to have the validate this account and they have yet to respond. By law they're supposed to update the account as " disputed by consumer '' on my credit report which they have not done either.
10/09/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 55311	Web
I disputed an account with American Accounts & Advisors, in writing on XX/XX/2019 and it was sent certified, return receipt requested. In the letter I explicitly stated that they were to contact me ONLY in writing. Since the time that letter was received by them, they have been harrassing me incessantly via my phone. Calls at all hourrs of day and night, repeated calling etc. This is harrassment and a violation of the FDCPA.
03/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30350	Web
American Accounts Advisors Inc. Is incorrectly reporting 5 collection accounts to the credit bureaus. 3 are in the amount of {$50.00}, 1 is for {$44.00}, and the last is for {$14.00}. They were all opened on XX/XX/XXXX, yet i have never received a notice or a phone call. They have also falsely reported the {$50.00} 3 times, which is an error. They most recently fraudulently reported this information on XX/XX/XXXX.
01/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55123	Web
In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. ! 5 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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.
11/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55076	Web
on XX/XX/XXXX I reviewed my XXXX credit report, which listed 8 different accounts from XXXX XXXX XXXX. I sent a letter to XXXX requesting validation/verification of this debt as I do not believe it belongs to me. I received the results of this report today XX/XX/XXXX, which stated these accounts had been verified by XXXX XXXX XXXX. However, I received no written proof of these accounts as I requested.
01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55112	Web
There are 2 collections accounts on my XXXX credit report from a debt collector AMERICAN ACCOUNTS AND ADVISORS that were closed by the debt collector because the " alleged debts '' could not be verified. I have contacted the debt collector by mail and asked them to remove the 2 bogus debt collection accounts from my credit report, they have not responded to me for over 30 days.
12/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
Could you Please send me any credit application with my Signature attached to any credit application that i agreed to pay this Debt also any Type of Medical release forms that i supposedly gave Medical release to information this is consider to be a Hippa Vilation of patient Condifentiality.. If this info is not enclosed I will reach out to an lawyer for a possible lawsuit!
06/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 554XX	Web
I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
09/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77338	Web
There is a Derogatory Collection account on my credit report. Reporting a Balance of {$900.00}. Im sending a complaint due to the fact that I dont owe this debt. I was XXXX during the time this company laid me off which was wrongful. And I was not given a chance to contact anyone with the company to Dispute this matter. I dont owe any amount to this company.
03/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web
A few days ago I requested my credit report and I was surprised that this American Account Adviserds company was reporting information on my credit report without first verifying the account and without notifying me about this charge. If I did not open my report, I would not find out about the existence of this account, which is total abuse against me.
01/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55379	Web
I checked my credit report and for my surprise was 12 accounts with this company, never answer my notification, Never got any collections letters not even 1 letter, If they do please I need contact the company who sent the letter, is unfair if you dont have the option to dispute or paid before reach the 30 days mandatory.
02/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
I do not, nor have I ever had a XXXX debt. This debt is from Minnesota. I live in Missouri. It would appear to be in violation of HIPPA considering that the relentless collection AMERICAN ACCOUNTS ADVISORS INC continues to ignore the disputes per this identity theft/ false account that I refuse to be bullied into paying.
10/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web
American Account & Advisors @ XXXX who is an out of network provider is trying to collect on a medical bill without my authorization and violating my rights per the " no surprise act of 2022 ''. They have inaccurate information on my credit report that I need removed ASAP. Thanks for your assistance. XXXX XXXX XXXX
06/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54022	Web
They are requesting {$25.00} for an office visit that never occurred. They sent me a statement of charges, but like I have said, she was not seen at the XXXX clinic that day. I explained if they requested chart notes they would see this. They refuse and say unless I pay they are reporting this to the credit bureau.
10/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 55429	Web	Servicemember
I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.
08/26/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Old information reappears or never goes away	AZ 85206	Web
I allegedly hold a debt for {$440.00}, with : American Accounts Advisors , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They claim I took out a XXXX XXXX on XX/XX/2017. I never received a loan from this organization. Please contact them and investigate who, in fact, took out this loan in my name.
07/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 55448	Web	Servicemember
I am a victim of identity theft. I have XXXX unauthorized and fraudulent accounts listed with American Accounts Advisors , Inc., that do not belong to me. I continue to receive harassing and threatening telephone calls from representatives from American Accounts Advisors , Inc., representatives.
01/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 551XX	Web
I have a complaint against the company American Account Advisors, based on the response to the complaint that I made, they sent the letter but until now they ignore my Answer, there is no validation of what they are doing is violation and they are abusing their position as collectors.
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web
XXXX no Im not happy I need to know who removed American account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately
10/24/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 553XX	Web
I received a letter from American Accounts & Advisors on XX/XX/22 on a medical debt I pay the hospital directly on. This company has taken it upon themselves to report this to my credit illegally. And continue collection efforts even after contacting them regarding their mistake.
08/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55116	Web
I got 2 item in my credit report, I sent a validation letter XX/XX/2018. and the second XX/XX/2018 I never got any answer, I disputed with the XXXX, came back as verify, I sent a second letter again about the debt no answer.I never receive it any bill from the collections agency.
11/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 551XX	Web
This company is reporting three unknown accounts on my credit report. This is an unfair practice of this company. I have called them several times and they claim they can not find these accounts with my social security number. How is it possible when they are reporting them.
11/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MN 55429	Web
I have no recollection of what rhis debt is for. Im assuming it is a medical debt and if that is the case i have had coverage thru the state of Minnesota for over 10 years. It may be a debt that should be taken care of thru Medical assistance. But I am not sure.
08/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IA 507XX	Web
This collection agency is reporting my medical information without a HIPAA Authorization, which is a violation of my rights under the HIPAA LAW. If this matter isnt fixed immediately, Im ready and willing to seek litigation to clear this matter up for good.
02/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85013	Web	Servicemember
American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment!
06/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 55448	Web	Servicemember
I have been receiving harassing, threatening, profane and XXXX threats telephone calls from American Accounts Advisors in regards to a debt of {$120.00} and {$240.00} I do not owe. The debt do n't belong to me. I am a victim of identity theft.
05/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 782XX	Web
When I contacted American Accounts Advisors, I requested they validate the debt pursuant to The Fair Credit Re [ porting Act as well as The Fair Debt Collection Practices Act. American Accounts Advisors refused to validate the debt.
09/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OR 974XX	Web
I have received notice via XXXX a collection agency American Accounts Advisors of XXXX XXXX, MN. Yet I 've received no bills or notices of claim. I do n't know what the bill is nor has anyone attempted to contact me in writing.
04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 761XX	Web
I went to check for financing a vehicle, which this dealership holds, called as XXXX XXXX XXXX. They took the data and put a report on my credit with {$460.00} charge displaying it as American Account Advisor, Out of nowhere.
10/25/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 554XX	Web
Debt Collector never tried to reach my personal number and called me for the first time at my work place causing problems with my employer. The decision to call me at work first was clearly intimidatory.
12/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55901	Web
On XX/XX/20 I requested verification of debt owed. I was sent one page which was unreadable and no information regarding how to dispute.
06/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55421	Web
This account has been paid for over a month. I have not received any letter showing on credit its been paid or removed from credit.
04/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55420	Web
AMERICAN ACCOUNTS ADVISORS has not sent me validation of information they reported to XXXX. This is not my debt
06/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55014	Web
Debt was paid in full. Debt is still being reported as negative on credit report.
10/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55434	Web
Debt was never verified nor did I receive a notice did not receive anything
04/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55446	Web
XX/XX/2017 {$26.00} Would like to know how i owe this bill?
12/29/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55311	Web

07/18/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55432	Phone

06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85704	Web	Servicemember

05/18/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	VA 22042	Web

01/14/2023	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	MN 55344	Web

12/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53558	Web

12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55412	Phone

09/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55058	Web

08/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55404	Web

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	MN 55421	Web

03/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 46077	Web

03/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54703	Web

03/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55121	Web

02/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54703	Web

02/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 550XX	Web

02/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 554XX	Web

01/25/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NM 87501	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55315	Web

12/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 554XX	Web

12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55315	Web

11/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web

11/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55378	Web

10/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web

10/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55378	Web

10/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

10/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

09/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55378	Web

08/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54703	Web

08/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55378	Web

07/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MN 55311	Web

06/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

06/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN XXXXX	Web

06/04/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77079	Web

06/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55379	Web

06/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

05/28/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78229	Web

05/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

05/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55447	Web

05/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web

05/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55430	Web

05/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55379	Web

05/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

05/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

05/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55075	Web

05/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55075	Web

05/07/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55432	Web

05/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

05/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55447	Web

05/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55430	Web

05/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

04/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web

04/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55407	Web

04/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55421	Web

04/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 550XX	Web

04/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55379	Web

04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55447	Web

04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22554	Web

04/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web

03/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20886	Web

03/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55379	Web

03/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

03/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

03/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55379	Web

03/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

03/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

03/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20886	Web

02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60653	Web

02/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55124	Web

02/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

02/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55124	Web

02/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20886	Web

02/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

01/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55124	Web

01/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55412	Web

01/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55124	Web

12/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

12/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

11/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55437	Web

11/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

11/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 554XX	Web

11/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

11/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

10/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

10/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55124	Web

10/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55112	Web

10/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

10/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55337	Web

10/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55423	Web

10/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55347	Web

10/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55422	Web

09/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55337	Web

09/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 55376	Web

09/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55376	Web

09/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55311	Web

08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55311	Web

08/21/2020	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 Was not notified of investigation status or results	MN 55311	Web

08/21/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 55311	Web

08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55311	Web

08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55311	Web

08/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55082	Web

08/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

08/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone	Older American

08/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web

08/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55311	Web

07/18/2020	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	MN 55311	Web

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MN 553XX	Web

05/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55337	Web

05/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55117	Web

04/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19067	Fax

01/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MN 553XX	Web

11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55429	Web

09/12/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55066	Web

08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55337	Web

08/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 52403	Web

08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55102	Web

06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55102	Web

04/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 54026	Web

04/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55423	Web

02/10/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33647	Web	Servicemember

01/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55122	Web

11/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50138	Web

10/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70119	Web

09/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web

08/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55376	Web

04/06/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85048	Web

03/13/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92653	Web

03/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55437	Web

02/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55356	Web

01/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 56301	Web

11/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55012	Web

10/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MN 55117	Web

09/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55369	Web

06/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Postal mail

04/24/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MN 55368	Web

04/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55024	Web	Older American, Servicemember

12/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MN 55408	Postal mail

10/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55449	Web

09/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NM 87505	Web

09/06/2016	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	MN 55426	Web

08/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55126	Web

06/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33772	Web

03/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30308	Web	Servicemember

02/20/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MN 55343	Web

12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85013	Web	Servicemember

12/08/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	IA 52402	Web

06/26/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MN 55073	Web

03/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MN 55024	Web	Servicemember

03/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55080	Web

02/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55075	Web

06/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MN 55129	Web

05/01/2014	No	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	MN 55422	Web

04/29/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	MN 56466	Web

04/07/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53220	Web

03/27/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MN 55444	Web	Servicemember

03/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55439	Web

01/03/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MN 55431	Web

08/30/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55044	Web

07/16/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33306	Referral