AmeriCollect CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/03/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98003	Web
On XX/XX/XXXX, I disputed inaccurate information reporting on my credit report by Americollect. I was notified by the 3 credit reporting agencies, XXXX XXXX and XXXX that the information was verified. I disagreed with this information, so on XX/XX/XXXX I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. Ive also requested procedures in place for the bureaus because they have continually reported inaccurate information, knowingly and willingly. I sent a follow up on XX/XX/XXXX. I wanted to follow-up with the 3 credit reporting agencies, XXXX XXXX and XXXX. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This is my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me with the Metro 2 Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( See Reeves v. Equifax Info. Serv. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( Rothery v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( See Konter v. CSC Credit Serv., Inc. ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( Carroll v. Exxon Co. ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report. On XX/XX/XXXX, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what Americollect is reporting. I notified them that the information is inaccurate and unable to be verified per my request. On XX/XX/XXXX, I sent another dispute to Americollect to notify them that I've had my rights violated. My requests have gone ignored. In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated. On XX/XX/XXXX, XXXX, I sent another dispute to the 3 credit reporting agencies letting them know that my report is inaccurate. I requested more information regarding the reporting of this account, yet all they did was verify that the information is accurate. My exact dispute was as follows : Please verify this account. I'm unaware of the information reporting on this listing. Please remove it in its entirety or show me what information you reviewed in order to report it in the first place. Based on my research, I'm requesting to further clarify your compliance with Metro 2 Compliance. I don't agree with the Portfolio Type listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Specifically, I would like to confirm the FCRA Compliance Date or Date of First Delinquency/Last Activity is in Base Segment, Field 25. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Again, if youre unable to comply with my request, please simply remove this listing from my credit profile. On XX/XX/XXXX, I sent a request of verification to Americollect so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. I requested a bunch of information ; however, they didn't provide me with the requested information. I sent them a follow up on XX/XX/XXXX because they havent sent me the requested information that I was requesting. Still nothing. I replied on XX/XX/XXXX and they still ignored my request. I sent them another request for follow-up information on XX/XX/XXXX and yet they have blatantly ignored everyone of my request, which Im able to do under the rights of the Fair Credit Reporting Act. I want to make sure that they are reporting accurately since all of the bureaus report something different. Im including a copy of their response as well as their validation per my request. They have deemed my legal request as frivolous or irrelevant. How did they come to this conclusion? Each one of my requests for information went unanswered. They have not provided adequate verification. They are supposed to send me verification from the original creditor, yet they have failed to do so. Providing me with a printout of whats reporting on my credit report isnt right. I could see that on my credit report. I want to see all information regarding each of the accounts, yet they have failed to do so, willingly and blatantly.
03/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33071	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXXXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. AMERICOLLECT INC balXXXX {$160.00} 2. AMERICOLLECT INC bal. {$220.00} 3.AMERICOLLECT INC bal. {$120.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
02/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33063	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. AMERICOLLECT INC bal. {$53.00} 2. AMERICOLLECT INC bal. {$51.00} 3. AMERICOLLECT INC bal. {$62.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web	Servicemember
In XX/XX/XXXX I visited the XXXX for a XXXX related issue at a local hospital in XXXX XXXX. The hospital had my old insurance on file. I was in the XXXX for about 3 hours. I did not have my identification with me when I checked in, I gave them my name and they pulled me up in their computer. No one ever came to have me sign any admission or discharge paper work. They did XXXX, a XXXX XXXX and sent me on my way with no discharge instructions, I signed not one document the entire time I was there. The hospital tried to bill my old insurance company, XXXX XXXX. Which did not go thru. I had XXXX XXXX XXXX at the time from an employer I was working for in XXXX XXXX In XXXX I applied for an auto loan thru XXXX XXXX and I was given a high interest rate on the car loan. I looked at the report and discovered XXXX collection accounts on my report, all from the one visit to the XXXX There was one XXXX XXXX a XXXX XXXX and a XXXX XXXX from the XXXX. I first called the hospital and asked them to bill the proper insurance company and was told, No we will not do that because it has been too long, they wont accept the claim. So I contacted XXXX XXXX XXXX and they told me to get a XXXX from each one of them and they would see that it was taken care of. So I called the hospital back and requested a XXXX and was told they couldnt give me one that day. I was astonished and called XXXX XXXX back and we called them on a three way call. They told XXXX XXXX while I was on the phone with them they couldnt give me a XXXX because their printer was down. She asked them if they could just email a pdf document to them or me and they said no, they had to send it via regular mail. So ii had to wait several weeks to obtain a XXXX from the hospital. So I then called the XXXX and XXXX office and told them I also needed a XXXX from them so XXXX XXXX could pay it. They told me they couldnt help me they no longer had the account and I needed to call the collection agency who reported it on my credit report. I call the collection agency as was instructed and asked them for a bill to give to XXXX XXXX. Of course they are a collection agency and not a healthcare facility and they didnt have a XXXX, that would violate HIPAA laws. So that too was a dead end. After fight for weeks and months trying to get these XXXX XXXX and having to call every day for weeks, they finally sent me a bill in the mail from they XXXX XXXX and the XXXX. I woundt get the XXXX from the hospital for weeks later. I sent the XXXX XXXX XXXX I had to XXXX XXXX and later when I finally got the one from the hospital I sent it on to XXXX XXXX as well. In speaking with XXXX XXXX on a number of occasions and trying to get these bills paid, they asked me if I had made a payment on the hospital bill. I said no, I had not. They said well this bill looks as though someone has made a payment on it. In looking into it further it appears as though the hospital accepted some kind of funding for my hospital bill. Some had been paid towards the bill from somewhere. No my XXXX XXXX was XXXX and it was found to be unrelated to XXXX, but it appears they did accept some funding from the federal government towards my bill. XXXX and XXXX removed the collections from my report after providing them with info from XXXX XXXX. XXXX refused. So I called Americollect after having disputed these items once. When XXXX finished their investigation I called Americollect and told them what was going on and pretty much had to threaten them with double dipping and explained again that XXXX XXXX had taken care of the bill. They werent happy about it but they agreed to send a notification to all three bureaus to remove them from my report. Again, XXXX and XXXX removed the items, XXXX did not, Americollect sent them the letter to remove the items on XX/XX/XXXX. Americollect also sent me the letter via secure email. I have the letter and have sent it to XXXX multiple times, I faxed it, successfully. I tried uploading thru the dispute process online and was not able to successfully upload it due to their site not working. I have called them on dozens of occasions and been on hold for more than XXXX hours. I have been put on hold for hours and no one comes back or Ive been put thru the cue again too have to start all over from the beginning. I filed a complaint with the CFPB, only to be told that XXXX investigated and they found the item to be accurate. So I filled another dispute with XXXX on XX/XX/XXXX. It has been showing as still being investigated until yesterday. XXXX is reporting now their investigation is complete after only XXXX XXXX There is a PDF document when you log into my account, but it will not open. So I filed another complaint with the CFPB the same day I filed the dispute again with XXXX. Last night, the same time the investigation with XXXX reports as being complete, the complaint on the CFPB website indicates that it is still being investigated by XXXX. I have uploaded the letter from Americollect which says basically all three bureaus need to remove these items from my report, along with my passport and drivers license. These items were all faxed to XXXX as well. Yesterday I called them again and asked them what the status was and had to ask for supervisor. The supervisor is never any help and all they say is, Sir we are not removing this from your report. We have to be notified by the company who placed this on the report. Recall the letter from Anericollect was sent to all three bureaus on XX/XX/XXXX. As if yesterday the new date the item was reported on my XXXX report now says Date Reported XX/XX/XXXX. So what does this mean? It seems as though they verified it again now that XXXX reports they concluded their investigation.again. What does a consumer have to do in order to get them to remove these items. I should have a score over 700, because of this for the past year my score has been under 600. Can someone please help me. I need to refinance my car and my RV camper that I purchased last year. Both of which have higher interest rates than what should have been. This is my third car loan thru XXXX XXXX and it is the highest interest rate on a car I have ever had to pay. I am begging someone to help me please. This is wrong on so many levels. My next step if I do not get help from the CFPB, is to write letters to my congressman, both senators, and my Governor, XXXX XXXX XXXX XXXX It doesn't seem like anyone is concerned that my right are being violated by just about everyone mentioned in this report. My next step will be an attorney and in fact I have already contacted one and hope to hear from them today. Maybe they can help me make some headway and I will just file a lawsuit against every company and agency that has allowed this to happen. Someone will be held responsible, somewhere. If there is anything you guys can do i would appreciate it. This is only the third complaint i have filed with you guys on this same issue with XXXX. They apparently believe they are above the law.
11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32246	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .AMERICOLLECT & {$560.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
06/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32246	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX Dear Americollect, Account # XXXX {$120.00} # XXXX {$140.00} After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in { DATE } for account #. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back. NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Name of Account : Americollect {$140.00} & {$120.00} Sincerly, XXXX XXXX
11/12/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
RE : Failure to verify this account within the ( 30 ) day timeframe thats required by the FDCPA. Therefore, I am Demanding Monetary Damages for FCRA and FDCPA violations, Fraud and Extortion ; as well as, for failing to provide requested documents under the FACTA ACT, FCRA 623 ( a ) ( 8 ) and violating FDCPA-Validation of Debts 15 U.S.C. 1692g. To whom it may concern, First of all, I would like to express my concerns, disgust and frustration with AMERICOLLECT UNETHICAL and DISTASTEFUL discriminatory actions, which I believe your company are using in an attempt to RAILROAD me by using OUTDATED, REDACTED and RE-AGED information in the attempt to collect on an alleged account that your company failed to VALIDATE according to FDCPA-Validation of Debts 15 U.S.C. 1692g. More so, it is against the law for AMERICOLLECT to continue reporting a disputed account to the credit bureau ( s ) ; nevertheless, trying to collect on an alleged debt without VALIDATING it first. Also AMERICOLLECT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, AMERICOLLECT fail to meet the legal requirements by law. Therefore, it is apparent that AMERICOLLECT does not have proper documentation or evidence to support their claims against me ; due to the fact, they have not provided me the documentation within the allotted ( 30 ) day timeframe that is required by law according to FDCPA ; as well as, before reinserting the information BACK on my credit report that is required according to both the FCRA and FDCPA, but your company continues to claim that I owe this debt that they did not confirm with proof. Meanwhile, I believe that AMERICOLLECT discriminatory actions against me are done with MALICE and WILLFUL INTENT to INJURE or cause HARM, due to the fact, AMERICOLLECT displayed complete DISREGARD for the law, which caused my consumer rights to be INFRINGE upon. With that being said, I am DEMANDING monetary damages for AMERICOLLECT violating my consumer rights in the amount of XXXX dollars. The possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation 6. 15 U.S.C. 1692e - False or misleading representations 7. 15 U.S.C. 1692f - Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FDCPA-Implying my account ( s ) have been turned over to purchasers/ AMERICOLLECT. 15. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 16. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) Within the event that AMERICOLLECT continues to list the disputed item ( s ) on my credit report and not compensate me for the aforementioned violations. I will obtain it crucial to file suit against your company for actual damages ; as well as, punitive damages under the Fair Credit Reporting Act. Due to the fact, the Fair Credit Reporting Act supplies concurrent jurisdiction in federal and state courts ; thus, I shall elect to make use of my Residency County and state as jurisdiction to bring appropriate action against AMERICOLLECT. Even though I prefer not to litigate, I will use the courts as necessary to enforce my rights under the Fair Credit Reporting Act, if AMERICOLLECT continues to show complete disregard of the law ( s ). Furthermore, any correspondence MUST be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail and any other form of service besides aforementioned above shall be deemed defective upon its face. So, be advised that your company make sure that your records are ACCURATE in order to prevent me from taking legal actions ; due to the fact, any information obtained shall be used for that purpose. However, I look forward to an uneventful resolution of this matter. Thank you in advance with all sincerity. Your prompt attention to this matter is imperative! The ball is in your hands, XXXX XXXX
10/15/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web	Older American
Dear Sirs : I have made repeated attempts to contact the billing dept at XXXX, XXXX XXXX XXXX. The woman who answered the phone refused to listen to my explanation. She said I must discuss it with their third party bill er which apparently is Americollect , inc . I filed a dispute with a credit reporting agency. Americollect apparently misinterpreted this information and are now demanding Police reports regarding Identity theft. I sent the following information in my dispute. How they gleaned identity theft from it is a puzzlement. It could only be to avoid dealing with the facts~! to wit : I do not owe this money. When I entered XXXX XXXX I was seeking a medical opinion on a wound to my XXXX XXXX. I had a growing XXXX and thought I may be covered by insurance. My first act was to inquire as to the status of my insurance coverage. There response was " Yes you are currently insured. '' It was late evening XX/XX/XXXX. I learned later ; My insurance had lapsed XXXX two days earlier but I had not received notice. I explained my concern to the intake person who insisted I was indeed still insured. I made it very clear my insurance coverage was in question making a point of the fact if I have no insurance I would decline ANY treatment not covered by insurance. I hand wrote those words on the treatment consent form. After which XXXX XXXX insurance specialists on the night of the 2nd, told me my insurance was still in effect and I would be covered. I had that conversation with three or four different hospital representatives. All told me the same thing. I was covered. XXXX XXXX was at the end or her shift and was growing testy with her patients. I could hear her arguing with people in the next room. When she examined my arm she literally dismissed it out of hand. Then proceeded to tell me I had a XXXX XXXX. I was shocked because in my entire medical history I had been told repeatedly my XXXX was well and strong. The last things she did before retiring from her shift apparently, was to order tests of my XXXX unannounced to me. I was led to a waiting room where, I spent the night. In the morning I was wheeled around the hospital and subjected to a battery of tests. All of which must have concluded there was nothing wrong with my XXXX and they were a complete waste of time. I must assume since I received zero results of any tests before or after being ejected from the building. After spending the morning in a wheel chair, Finally mid afternoon, I was taken to a room with a bed. Where I sat in a chair for half an hour. Having been run around the hospital for hours I was growing very hungry and weary having been up for 30 hours. I'm XXXX with XXXX XXXX, half asleep most of the time. When I inquired I was told I'd missed both meals for that day. Then a XXXX came in and told me I was to be kept for observation for a few days. A few minutes later a hospital person from the insurance department told me I am to be dismissed and sent home. I was Then told " You have no insurance and must leave. '' AT this point they must have decided I had NO medical issues with my XXXX. All very mystifying to me. She refused to discuss the fact I had written on the consent form " I refuse any treatment not covered by insurance! '' She referred me to their charity arm ; where I related the I details of my hospital stay. That was XX/XX/XXXX. I was told I would be notified of the outcome. I have received NO notice and NO bill from XXXX XXXX. I must conclude they realized their error and held me blameless. Upon review of the charges I see XXXX were made XXXX on XXXX and XXXX on XXXX. I was only there XX/XX/XXXX so the greater charge of {$900.00} was not even possible I left about XXXX XXXX XXXX. Just another glaring error made by XXXX XXXX and associates. Since I received NO results how can they even justify charging me for them? It is my belief that because they mistakenly told me I was insured and ignored my refusal of treatment they decided to write me off. I have received NO bill from XXXX XXXX with the exception from your client. XXXX XXXX ordered the tests in spite of my insistence of my inability and unwillingness to take on expensive medical tests. Which had no legitimate purpose in any case. I refused all treatment on the consent form NOT covered by insurance. Their careless disregard of my instructions has left you with an unpaid bill for which they Must be held responsible. I have sought legal council in this matter and will advice them as to if this matter needs to be litigated Sincerely, XXXX XXXX
06/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30078	Web
As of XX/XX/XXXX I recently got a copy of my Consumer report and in my findings I found Numerous Inaccuracies being reported to the Consumer reporting agencies XXXX XXXX XXXX as well as these debt collectors XXXX XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) ( ACCOUNT # XXXX ) XXXX XXXX XXXX ( ACCOUNT # XXXX ) You are VIOLATING MY CONSUMER PROTECTION RIGHTS by reporting inaccurate/incorrect information of these debts they are reporting each debt to my consumer report as Closed and charge-off accounts which I found to be in clear violation of my consumer protection rights NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPAL IS NOTICE TO AGENT It States Under Federal Law:15 US CODE 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH INACCURATE KNOWLEDGE OF ERRORS A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DUTY : a moral or legal obligation ; a responsibilityACCURATE : correct in all details ; exactPROHIBITION : a law or regulation forbidding something As defined by The IRS Even if you didn't receive a form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition The IRS clearly says a canceled or charge off is income. the reporting of this account as a debt is inaccurate 15 USC 1681s-2 says you the debt collector are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information and I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate the lender must file from 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussedEarlier in chapter 1.the above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM 1099-C that you should have sent when you filed the account as a canceled debt. Which they did not do which is also a violation of my consumer protection rights and also tax fraud. 15 us code 1681 s - 2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices thats, that specify information is inaccurate ; and ( II ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. the information is, in fact, inaccurate.The continued reporting of this inaccurate information is a clear violation of the law15 USC 1681 s-2 of your responsibilities as a furnisher of information.You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this Erroneous, inaccurate account from my Consumer report. YOU HAVE XXXX calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORTS
09/20/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FM 32210	Web
XXXX XXXX RE : ALLEGED Account # Partial XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated 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. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( 2nd REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( 2nd REQUEST ) Any insurance claims been made by any creditor regarding this account. ( 2nd REQUEST ) Any Judgments obtained by any creditor regarding this account. ( 2nd REQUEST ) Name and address of alleged creditor. ( 2nd REQUEST ) Name on file of alleged debtor. ( 2nd REQUEST ) Alleged account number. ( 2nd REQUEST ) Address on file for alleged debtor. ( 2nd REQUEST ) Amount of alleged debt. ( 2nd REQUEST ) Date this alleged debt became payable. ( 2nd REQUEST ) Date of original charge off or delinquency. ( 2nd REQUEST ) Verification that this debt was assigned or sold to collector. ( 2nd REQUEST ) Complete accounting of alleged debt. ( 2nd REQUEST ) Commission for debt collector if collection efforts are successful. ( 2nd REQUEST ) Please provide the name and address of the bonding agent for Your collection agency 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. ( 2nd REQUEST ) Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
09/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33142	Web	Servicemember
As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; OID is a form of interest. It is the excess of a debt instruments stated redemption price at maturity over its issue price ( acquisition price for a stripped bond or coupon ). Zero coupon bonds and debt instruments that pay no stated interest until maturity are examples of debt instruments that have OID. As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; The term debt instrument means any instrument or contractual arrangement that constitutes indebtedness under general principles of federal income tax law ( including, for example, a bond, debenture, note, certificate, or other evidence of indebtedness ). It generally does not include an annuity contract. No contractual arrangement exists with said debt collector and it appears that said debt ( evidence of indebtedness ) was purchased pennies on the dollar from the previous Holder in Due Course/ Payor ; hence, said debt collector was not authorized to furnish private information or assume to be the Power of Attorney regarding myself ( Identity Theft ) ; Consequently, the debt is considered void. Nevertheless, it appears that said debt collector is persistent by way of said consumer credit report stating that a debt is owed. However, said evidence of debt constitutes indebtedness under general principles of federal income tax law. The debt collector is considered the Holder in Due Course/ Payor and are liable for the federally withheld amount of {$450.00} ( {$37.00}, {$130.00} and {$270.00} ). Consequently, AMERICOLLECT has committed the following violations regarding said debt instrument ( s ) : failed to provide a 1099 OID regarding said debt instrument ( s ), failed to report income, failed to withheld tax, failed to file return, and failed to pay tax. it is impossible to furnish information to the Credit Reporting Agencies without first assessing the tax accordingly regarding said debt instrument ( s ) ; Otherwise it is evident that said debt collector knowingly participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability. As the recipient of said debt instrument ( s ), I am being hindered from assessing said tax accordingly by way of form 1099 OID and 1040. Consequently, said debt collector has intentionally impacted ones credit worthiness negatively regarding said debt instrument ( s ) which is considered irrefutable proof that the debt collector does not respect the general principles of the federal income tax law. Attach you will find Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments, Pages 1 and 2 ; Emphasis on the following Definitions ( Circled ) : Original Issue Discount ( OID ) and Debt Instrument, said Debt collectors billing statement which is an evidence of indebtedness which constitutes indebtedness under general principles of federal income tax law, Credit Report ( Emphasis on the highlighted area ) regarding proof said debt collector participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability ; hence, does not respect the general principles of the federal income tax law. The following forms have been prepared accordingly and are on standby should any issue arise regarding said complaint in association with said debt collector : Department of the Treasury - Internal Revenue Service Form 3949-A - Information Referral and Department of the Treasury - Internal Revenue Service Form 211 - Application for Award for Original Information. All statements/ responses regarding said complaint will be forwarded to the Internal Revenue Service along with said forms in order to substantiate my complaint.
03/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07026	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XX/XX/2021 AMERICOLLECT INC/ IXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX , WI XXXX XXXX : Collection account : XXXX ( {$460.00} ) 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 couldA 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. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX XXXX.
08/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30165	Web
XXXX XXXX Americollect Date : XX/XX/XXXX XXXX : Acct # 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 $ XXXX. 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
02/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30907	Web
Date : XX/XX/2022 XXXX XXXX XXXX XXXX CT. XXXX, GA XXXX Collection Agency Name : AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated 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 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 he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for AMERICOLLECT 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 [ : XXXX XXXX XXXX Council. ] cc Federal Trade Commission
02/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53140	Web
My wife and I have been experiencing continuous billing errors which resulted in our account being sent to multiple collection agencies by XXXX Hospital in XXXX, WI. Our insurance plan has a high deductible that must be met before they pay any medical bills. Once the deductible is met our bills are paid at 100 %. We set up a payment plan with XXXX Hospital in XX/XX/XXXX. The plan began in XX/XX/XXXX and the agreed upon monthly payment was {$200.00}. We started experiencing billing problems immediately. We never received a XX/XX/XXXXstatement from XXXX Hospital. After establishing a payment plan and making monthly payments that were more than the agreed upon amount XXXX Hospital sent our account to four different collection agencies without notice. They lost two payments that we made. We sent the confirmation numbers from our bank to XXXX via e-mail and never received a response. As if that wasnt enough, we found out that the collection agencies reported this debt on our credit reports as negative without any notice to us. We requested a detailed list of the amounts owed so we could valid the debt. After reviewing the list we found a majority of the individual claims were already paid in full by us or the insurance company. We faxed our findings to the collections agencies for review. Americollect responded by stating Per our clients records, the payment was applied to a different balance ( s ) listed in their office. According to our records and our verification with the above client ( s ), the balance is still outstanding. They are taking payments made by our insurance company for a specific claim and applying them somewhere else. These claims that should have been paid in full are now showing up on our credit reports. This is very a FCRA violation with regards to medical debt under the Medical Debt Relief Act. Per XXXX Hospital policy, our balance should not have been sent to collections. We were making the monthly payments as stated above. XXXX Patient Collection Policy XXXX. XXXX, section XXXX : Placement of Bad Debt Accounts. Bad debt accounts of at least XXXX dollars may be placed with a Contracted Collection Agency any time after a Self-Pay Balance remains delinquent for four 28-day billing statement cycles. Even if we were past due at any point in time, we were never delinquent for four 28-day billing statement cycles. Therefore, they violated their own policy with regards to selling bad debt. We tried working this out with XXXX XXXX XXXX billing department. They promised us several times that we would receive a call from a financial advocate. We never received a phone call. The collection agencies that have been trying to contact us are Americollect, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX. These companies are harassing us and call us at all hours. We have told each one of them several times that they need to send the debt back to XXXX Hospital. Now they call and wont tell us who they are or what company they are calling from unless we give them the last four digits of our social security numbers. The only reason we know it is from a collection is agency is through caller ID. My wife and I have had our identity stolen and we will not under any circumstance give this information out unless we initiate the call. They have been rude to us as well. My wife is experiencing health problems and they have called us after XXXX XXXX on a Sunday. This is creating a lot of stress for us and will not allow this to continue on. XXXX needs to get this issue resolved immediately and have the negative reporting removed from our credit reports within the next 30 days. We are done messing around with this and will get a lawyer to handle these violations if we have to.
09/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77357	Web
The company is in violation of the fair credit reporting act. XXXX is reporting inaccurate information, XXXX is not validating the debt and but reporting the debt is accurate. I have made several attempted to get this corrected and XXXX refuse to comply with law. XXXX is fully aware of the violation that creditor is reporting inaccurate information to XXXX and violating the hippa act and XXXX continue to assist the creditor with reporting on my credit report, I submitted my my dispute again with XXXX on XX/XX/XXXX and XX/XX/XXXX and by XX/XX/XXXX XXXX informed me the account was accurate with out validation of debt that I requested several times. Also Americollect inc a third party collection agency is in violation of the hippa act. I never signed hippa act concent form to release any of my medical information, and to report negative collections on my credit report and to report negative collections on all 3 credit bureaus which is also effecting my employment, declined for credit cards, apartments all XXXX inaccurate information is reporting on my credit. Also in violation of the hippa act is the original creditor XXXX XXXX XXXX XXXX I never signed a concent form to sell my information, I never signed a hippa act concent form, and the negative collections is effecting not only my credit report, but my livelihood, employment, apartments, credit card decisions be denied do to collections report, Also XXXX is reporting inaccurate information on my credit report and is fully aware that the information is inaccurate but continue reporting negative credit information on my credit report XXXX it's in violation of the Fair credit reporting act. XXXX is not validating the debt and saying that the account is accurate. Which XXXX is aware they are reporting inaccurate information but continue to report negative collections against my credit which is effecting my employment, apartments and my livelihood, and credit card decisions.Also XXXX XXXX XXXX is in violation of the hippa act. I never signed a hippa act consent form to release any of my medical information.This company is third party collection which is reporting negative collections on my credit report that is inaccurate and this company never provided validation of the debt which is not my debt which is affecting my livelihood employment me getting an apartment getting declined for credit cards.Original Creditor Name XXXX XXXX XXXX XXXX is in violation of the HIPAA act I never signed a HIPAA act consent form I never sign a consent form to sell my information to a third party which is reporting negative collections on my credit report which is inaccurate information and XXXX XXXX XXXX is aware that the information is inaccurate and sold the information to a third party. Which is effecting my livelihood, employment, apartments, and credit card decisions. I want this negative collections removed from my credit report immediately or I will have to take legal actions against all the companies I named in the complaints, these companies are fully aware that they are in violation of the fair credit reporting act, violation of the hippa act. And the company above none of them validated the debt when I requested validation of debt to be sent to me which never happened and instead they continued to report negative collections on my credit report fully aware that the counts did not belong to me and at the information if they were reporting was inaccurate I will like this information from the collections and these negative reports to be removed from my account immediately or I will have to proceed with legal action against all the companies named above in the statement.
08/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30046	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX : Account # 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
05/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07055	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX : Account # 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
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
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 are able to 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
03/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 647XX	Web	Servicemember
On XXXX, at approximately XXXX XXXX, I received a call from telephone number ( XXXX ) 2XXXX. Upon answering the call, I talked with a woman named " XXXX '' - company ID # XXXX, who stated that she was calling on behalf of a company called AmeriCollect which is located at XXXX XXXX XXXX XXXX. in XXXX, WI. XXXX asked for me by name and I responded by telling her that she was speaking with the person she was calling for. No further verification of my identity was requested before she begins to tell me that she is attempting to collect a medical debt for {$200.00} dollars and some change. I explained to her that I had received medical services for which I was sent several bills from various entities, and that to the best of my knowledge, as of the time of her call, I believed that I had paid each of those debts to the original creditors. I asked if she could mail me some form of written documentation pertaining to the alleged debt, to include the entity to which it was originally owed, so that I could contact that entity to verify that I had not already paid the money which she was attempting to collect on. XXXX refused to do so, stating that her company records showed that a written notice had been sent in XXXX, XXXX and that they would not send another one or provide me with further information over the phone, without me providing her with my home address, date of birth, or last four digits of my social security number. I asked to speak with a supervisor in an attempt to resolve the matter. I was then connected to " XXXX '' - ID # XXXX, and again asked to be sent a written notice regarding the debt to the address her company had on file as I have lived in the same home for many years. I further explained that it was entirely possible that the notice she claimed had been sent in XX/XX/XXXX, may have been misplaced due to the fact that I had been recwiving numerous bills from various entities regarding the same medical visit during that time. I told her that I did not recall having seen any such notice, and simply asked that her company mail a notice so that I could verify the validity of the debt. She too refused to mail anything to the address her company had on file, citing concerns that it may be sent to the wrong address. I explained to her that " XXXX '' had already disclosed that she was calling about a medical bill without any verification that she was in fact speaking to the correct person, and told XXXX that I am aware that this constitutes a violation of my rights as a consumer. I again asked " XXXX '' to send me something in writing, so that I could verify the debt, and she again refused to do so. She then proceeded to tell me that the account was in a " grace period '', but would soon be marked as a negative entry on my credit report. She further stated that she would add notes to my file with her company to indicate that I not be contacted by telephone any further, and instructed me to contact AmeriCollect in the event that I was willing to provide further personal information to satisfy their requirement in order to be sent verification of the debt. I am pretty upset about the fact that I have no way to know whether this is a legitimate debt, nor to whom it is allegedly owed. I currently have excellent credit, and sufficient funds to satisfy the debt alleged however I will not blindly pay a random company without knowing that I actually owe the money they are requesting.
05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33317	Web
I am writing to file a formal complaint against Americollect, Inc XXXX XXXX Website : www.americollect.com, www.americollectpay.com Email : XXXX regarding their unfair debit collection and reporting practices. The details of the complaint are as follows : 1. Account Information : - Name of Financial Institution : AMERICOLLECT INC - Account Number : XXXX - Date open : XX/XX/2017 ( ( Americollect, Inc NOT Authorized to Conduct Business IN FLORIDA ) ) 2. Description of the Incident : I have been subjected to unfair and aggressive debit collection practices by AMERICOLLECT INC. Despite my attempts to resolve the issue, the company has continued to engage in unethical practices, which I believe are in violation of consumer protection laws and regulations. a ) Harassment : The representatives of AMERICOLLECT INC have repeatedly contacted me at inappropriate hours and used aggressive language during their communication attempts. This behavior has caused significant distress and anxiety. b ) Inaccurate Reporting : The company has erroneously reported the debt in question to credit reporting agencies, damaging my credit score and making it difficult for me to obtain credit or secure favorable interest rates. Despite my efforts to dispute the inaccurate information, the company has failed to correct the reporting error. c ) Lack of Verification : AMERICOLLECT INC has failed to provide adequate verification of the debt when requested. Despite my numerous attempts to obtain relevant documentation to support their claims, the company has not provided the necessary evidence to substantiate their collection efforts. XXXX. Attempts to Resolve the Issue : I have made multiple attempts to resolve this matter directly with AMERICOLLECT INC. I have explained my concerns and requested that they cease their unfair collection practices, correct the inaccurate credit reporting, and provide proper verification of the debt. However, their responses have been dismissive and unsatisfactory. XXXX. Requested Actions : I kindly request the following actions be taken in response to this complaint : a ) Investigation : Conduct a thorough investigation into the unfair debit collection and reporting practices employed by AMERICOLLECT INC. b ) Remedial Measures : Ensure that AMERICOLLECT INC ceases its aggressive and harassing collection efforts, and take appropriate action to correct the inaccurate credit reporting. c ) Enforcement of Regulations : If violations of consumer protection laws and regulations are found, I request that appropriate enforcement actions be taken against AMERICOLLECT INC. d ) Compensation : In light of the distress caused by the unfair collection practices and damage to my credit score, I request fair compensation for the harm incurred. 5. Supporting Documents : I have attached copies of relevant documents, including correspondence with AMERICOLLECT INC, credit reports reflecting the inaccurate reporting, and any other pertinent evidence that may assist in the investigation of this complaint. I appreciate your attention to this matter and your dedication to protecting consumers from unfair practices. I look forward to a prompt resolution and your response within 4 days, as stipulated by the Consumer Financial Protection Bureau guidelines. Thank you for your assistance in this regard. Please feel free to contact me if you require any additional information.
09/18/2018	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	FL 333XX	Web
XXXX has listed a false debt on my account for almost 2 years now. I have submitted multiple complaints of which the status is changed multiple times. I had received two separate collection notices from XXXX XXXX XXXX which I knew to be inaccurate, although it took me a while after equifax denied my initial complaint. I was eventually able to certify that I was in fact correct, and that Americollect -- the company involved -- had violated the fair credit reporting act and the fair credit collection act -- by knowingly lying, stating incorrect information, claiming to have verified a debt that in no way verifiable, and was not a valid debt, claiming not to own the debt, and claiming to have not bought it but to represent XXXX XXXX directly. None of this was true XXXX XXXX sold them the debt, which they lied about The fact is XXXX XXXX was one of 17 providers that were part of the XXXX that I had on both of my legs in XX/XX/2016. They neglected to bill my insurance, for which I paid my co-pay in full, and every other vendor was paid who billed the correct insurance. XXXX XXXX - through no fault of my own- billed the wrong insurance. They never notified me of that. The next thing I heard was from collections. I explained to them that it was simply impossible because even if it was the scans before my XXXX -- the highest co-pay I have is {$150.00} for an advanced XXXX or ultrasound. There were two charges for {$180.00}. I paid one of them thinking that it was accurate only for the second one to appear! They then lied again, and claimed that there were two different views so I was billed two different times -- again a Iie. I have disputed this and provided correct information -- including telephone recordings with Americollect and the confirmation from XXXX XXXX that the debt was not valid. XXXX has refused to take this off my credit report - despite the fact that is clearly inaccurate -- they have no way to backup their claim that it was somehow confirmed because it does not exist. I have repeatedly requested to know by what means they confirmed the debt considering the original creditor confirmed to me that it was invalid. That fact means nothing to them -- although they are required to do it under the law. As a result I have had an open collections account for over XXXX years from this fraudulent bill that they refused to remove. In addition Americollect has violated multiple parts of the fair credit reporting act and the fair debt collection act in their illegal and unethical pursuit of a debt that is not my responsibility. It is a result of the mistakes of a medical provider to fill out forms correctly. XXXX XXXX did try to submit the forms two years late -- when they realized what happened but were turned down by Florida blue. The timing was a little off. Again, not my fault and not my problem. I paid my full co-pay for my entire procedure - their medical billing mistake is not my responsibility. If the surgeon had forgotten to bill my insurance and called me later and said that I owed {$17000.00} because he made a clerical error, again the problem would be with him, not with me, I paid my bills. I paid for my XXXX, and now I am being illegally double charged fraudulently and XXXX and Americollect refused to abide by the law
07/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : AMERICOLLECT INC. XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
05/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 707XX	Web
I have been working on my credit and trying to pay people I owe and move forward in life but medical bills and their protocol is making it impossible for me to do so. I have lots of medical issues and I also pay lots for medical coverage to cover those issues. I keep credit monitoring in order to monitor the accounts and the activity and XX/XX/XXXX, I noticed XXXX new collections show up on my credit report and I was totally clueless as to where they came from because I have NEVER received anything pertaining to these accounts and the amounts where even wacky because they did n't match any of my dedictibles etc. That being said I sent a letter to the this one collection agency claiming to have all of my accounts and they responded with a list of dates of service and amounts but no where on there did it give me an itemization nor did it show me that my insurance was or was n't billed but instead it shows that all XXXX charges are from the same date of service and the same and same department of the hospital. I first of all find that hard to believe because I do n't understand why there would be XXXX seperate bills for the same day with the same department. I would think those would be linked together somehow all on one bill. I work in the medical industry myself and I hope my company does n't ever do business this way but when the company responded they also stated that they had sent me previous notification and I 've never received anything until I requested more information due to it popping up out of nowhere. Not only that but I found it super unfair that the date of service is from XX/XX/2015 and the hospital never sent anything but yet turned it over to a collection agency 4 months or less from the date of service. I go to this hospital on a regular basis and never once was it mentioned that I had an outstanding balance and they usually bill my insurance the correct way. Well after working 75 hours this week and taking care of my children because I 'm a single mom and dealing with my illnesses, I finally made myself sit down and contact the hospital original furnisher of the information and only to find out that the lady did n't have my insurance information correct in their system so my insurance was never billed. When I asked for the account to be removed due to this error I was told I would have to ride it out and that it could take up to 45 days for the insurance claim to be filed etc. This is not OK with me as I am again trying to do my part to take care of my debt but yet collection agencies are allowed to do whatever they want with no reprocutions. If I expect any sort of response, I have to pay an arm and and a leg to have my mail sent certified so that I can ensure they will respond but collection agencies can just simply state they sent you the letter they are supposed to before reporting the debt and I 'm supposed to take their word even though I know I check my mail everyday and I never received anything from anyone. The fact of the matter is I was never sent the appropriate letter giving me 30 days to dispute the validity and had I been the documentation I would 've looked further into it because I would 've figure dout there was some sort of billing error in the beginning.
06/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77340	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Americollect to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Americollect must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Americollect to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Americollect. Providing that Americollect is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
04/05/2020	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 Their investigation did not fix an error on your report	GA 314XX	Web
AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$680.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$680.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$680.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$1000.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and 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.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are 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 General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
01/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28334	Web
Americollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX To : The Office of Registered Agent for Americollect From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that gives you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX XXXX, XXXX XXXX, submitting this complaint without any assistance from any third party.
12/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46218	Web
Americollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WV, XXXX To : The Office of Registered Agent for Americollect From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX XXXX
09/18/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29615	Web
Americollect Inc., is demanding money from me with the intentions of damaging my credit scores if not received in their version of a timely manner. Americollect Inc., are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX. I have not received any goods or services from Americollect Inc., and I do not know how Americollect Inc., received my private medical information. Please be advised no consent to treat documents bare the name Americollect Inc., as Americollect Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. With proof of receipt Americollect Inc., received my validation notice on XX/XX/2022 via XXXX mail. Americollect Inc., is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Americollect Inc. , on behalf of another company at the expense of my medical information being on display for whomever. Americollect Inc., proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their XXXX rights in the process. The account validation provided by Americollect dated ( XX/XX/2022 ) proves I am the victim, and if I dont pay Americollect Inc. , they will damage my credit scores. By providing documents of my previous private XXXX XXXX, Americollect Inc., have indeed violated my XXXX rights. I am not a party to any agreements that Americollect Inc., may or may not have with XXXX XXXX XXXX XXXX I am not responsible for Americollect Inc.s purchase / transfer from XXXX XXXX XXXX XXXX XXXX On XX/XX/2022, an unnamed authorized representative of Americollect Inc., mailed her/his/their/a version of a reply to my validation notice. My validation notice was completely ignored. The unnamed authorized representative of Americollect Inc. Due to the carelessness of the unnamed authorized representative for Americollect Inc. , my private medical information is currently on display proving several violations of my XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Americollect Inc. At this time, I demand no further contact from any associate or authorized representative of Americollect Inc XXXX My credit files are not to be reported to or damaged in regards to this matter as Americollect Inc., are not Holders In Due Course with contractual agreements to support goods or services provided to me. All calls are recorded for my safety Please be advised that Americollect Inc., is not a Holder in Due Course. Please Cease and Desist. I have included all proof in the attachments.
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47150	Web
I contacted Americollect XXXX XX/XX/2021 at XXXX ET concerning a collections account that was on my XXXX credit report. I spoke with XXXX, one of their Collections Analysts. After inquiring with respect to the stated account she affirmed that Americollect would immediately update the account with the credit Bureau as paid the same day before the close of business, if I opted for their 'Pay for Delete, which I did. Following XXXX 's guarantee that Americollect would update the account with the credit reporting agencies and expedite my request, I concurred to pay off the account in full, as agreed. It was brought to my attention that if I made the payment over the phone with her that I would not be able to be supplied a payment confirmation nor would it post the same day. Preceding this disclosure I elected to make the payment on their customer portal with the credentials she furnished for my account. I requested that XXXX stay on the line to ensure that the payment was processed successfully. Upon receiving my confirmation from Americollect 's site while still on the phone with XXXX, she confirmed that the payment was posted to their system. XXXX then certified that the " Pay for Delete '' would be sent today ( same day XX/XX/XXXX ) and should be removed from my report in one to two business days. Having seen no updates to my credit file, confirmation from Americollect or XXXX account I determined to contact Americollect XXXX XX/XX/2021 seeking an update. I was transferred to XXXX, Collections Analyst who advised me my payment and " pay for delete '' update was not submitted until Monday XX/XX/XXXX. XXXX was instructed of the expectation, terms and arrangements coordinated and set in stone with XXXX on XXXX XX/XX/2021 at XXXX XXXX. She admonished me that the details which were provided to me were inaccurate. Being that they would not expedite anything to the Credit Bureaus, all payments made to Americollect whether online or over the phone are not processed until after 48 hours, and ultimately the payment posted date, in which I confirmed was received by Americollect after my payment. Succeeding this exchange with XXXX, I then requested to be placed with a Manager or Supervisor as a result of my dissatisfaction with my pledged expectations being unmet. Subsequent to my transfer I was connected to XXXX, Americollect Supervisor to express my great disenchantment and hurt. She went on to restate the particulars and details shared by XXXX. The FCRA law ensures that bureaus report 100 % accurate credit information. This is unfairly penalizing my credit score and I am requesting the account be removed as agreed upon and updated now. I have attached a copy of my payment confirmation to this file. All calls are recorded for quality and training purposes, so if need be I am requesting that the call be pulled from XXXX XX/XX/XXXX at XXXX ET.
10/24/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89011	Web
I received a bill from Americollect on XXXX XXXX, XXXX for {$50.00} for services by XXXX XXXX of Nevada. The issue with this bill is that my insurance provider at the time, Nevada XXXX XXXX, is in Receivership. Had my insurance provider not been in Receivership I would have had a zero co-pay for radiology services. This was communicated to XXXX XXXX of Nevada and they are well aware that under the Permanent Receivership, " The XXXX will focus initial efforts on two parallel goals : ( 1 ) avoiding disruption in the delivery of health care to the Enrollees for the period that they are entitled to receive such care from XXXX XXXX ending no later than XXXX XXXX, XXXX XXXX, and ( 2 ) maximizing payment to Providers and creditors for services rendered initially during the receivership period ( which commenced on XXXX XXXX, XXXX ) and thereafter for amounts owed for services rendered before that date. IT IS IMPERATIVE THAT YOU CONTINUE PROVIDING HEALTH CARE SERVICES TO ENROLLEES ON THE SAME BASIS AS BEFORE, WITHOUT CHARGING ADDITIONAL AMOUNTS OR REJECTING REQUESTS FOR APPOINTMENTS OR HEALTH CARE SERVICES. Specifically, the Permanent Receivership Order provides at pages XXXX and XXXX : All providers of health care services, including but not limited to physicians hospitals, other licensed medical practitioners, patient care facilities, diagnostic and therapeutic facilities, pharmaceutical companies or managers, and any other entity which has provided or agreed to provide health care services to members or enrollees of XXXX directly or indirectly, pursuant to any contract, agreement or arrangement to do so directly with XXXX or with any other organization that had entered into a contract, agreement, or arrangement for that purpose with XXXX are hereby permanently enjoined and restrained from : Seeking payment from any such member or enrollee for amount owed by XXXX ; Interrupting or discontinuing the delivery of health care services to such members or enrollees during the period for which they have paid ( or because of a grace period have the right to pay ) the required premium to XXXX except as authorized by the Receiver or as expressly provided in any such contract or agreement with XXXX that does not violate applicable law ; Seeking additional or unauthorized payment from such XXXX members or enrollees for health care services required to be provided by such agreements, arrangements, or contracts beyond the payments authorized by the agreements, arrangements, or contracts to be collected from such members or enrollees ; and Interfering in any manner with the efforts of the Receiver to assure that XXXX members and enrollees in good standing receive the health care services to which they are contractually entitled. '' Thus, as Ordered in the Permanent Receivership, it is unlawful to attempt to collect ANY amount owed by the XXXX
11/27/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89011	Web
I received a bill from Americollect on XXXX XXXX, XXXX for {$250.00} for the services of XXXX XXXX of Nevada. The issue with this bill is that my insurance provider at the time, Nevada XXXX XXXX, is in Permanent Receivership. Had my insurance provider not been in Receivership I would have had a zero co-pay for XXXX services. This was communicated to XXXX XXXX of Nevada and they are well aware that under the Permanent Receivership, " The XXXX will focus initial efforts on two parallel goals : ( 1 ) avoiding disruption in the delivery of health care to the Enrollees for the period that they are entitled to receive such care from XXXX ( ending no later than XXXX XXXX, XXXX ), and ( 2 ) maximizing payment to Providers and creditors for services rendered initially during the receivership period ( which commenced on XXXX XXXX, XXXX ) and thereafter for amounts owed for services rendered before that date. IT IS IMPERATIVE THAT YOU CONTINUE PROVIDING HEALTH CARE SERVICES TO ENROLLEES ON THE SAME BASIS AS BEFORE, WITHOUT CHARGING ADDITIONAL AMOUNTS OR REJECTING REQUESTS FOR APPOINTMENTS OR HEALTH CARE SERVICES. Specifically, the Permanent Receivership Order provides at pages XXXX and XXXX : All providers of health care services, including but not limited to physicians hospitals, other licensed medical practitioners, patient care facilities, XXXX and XXXX facilities, XXXX companies or managers, and any other entity which has provided or agreed to provide health care services to members or enrollees of XXXX, directly or indirectly, pursuant to any contract, agreement or arrangement to do so directly with XXXX or with any other organization that had entered into a contract, agreement, or arrangement for that purpose with XXXX are hereby permanently enjoined and restrained from : SEEKING PAYMENT FROM ANY SUCH MEMBER OR ENROLLEE FOR ANY AMOUNT OWED BY XXXX ; Interrupting or discontinuing the delivery of health care services to such members or enrollees during the period for which they have paid ( or because of a grace period have the right to pay ) the required premium to XXXX except as authorized by the Receiver or as expressly provided in any such contract or agreement with XXXX that does not violate applicable law ; Seeking additional or unauthorized payment from such XXXX members or enrollees for health care services required to be provided by such agreements, arrangements, or contracts beyond the payments authorized by the agreements, arrangements, or contracts to be collected from such members or enrollees ; and Interfering in any manner with the efforts of the Receiver to assure that XXXX members and enrollees in good standing receive the health care services to which they are contractually entitled. '' Thus, as Ordered in the Permanent Receivership, IT IS UNLAWFUL to attempt to collect ANY amount owed by the XXXX.
01/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36608	Web
I received a letter in XXXX from a company called Americollect. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to Americollect via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on Americollect was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with Forefront. My certified mail green slip was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. Americollect also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was XXXX. I XXXX also like to add XXXX to this complaint as well as Americollect. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to Americollect. Americollect did not indeed supply any proof like I have stated above. I have tried to contact XXXX several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted XXXX they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.
11/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web
After reviewing a copy of my credit report, I noticed two collection accounts placed on my credit report from Americollect. I also am a victim of identity theft but because I have no idea and never been contacted by this company I am unaware if this is an account that falls under one of the fraud accounts. Therefore I am requesting that you allow my attorneys and me to validate these alleged debts. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients ' signed authorization. I have never given the authorization to release any information in accordance with my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also, provide an original copy of the contract with the original creditor that gives you the right to collect debt pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated by my attorneys and I. Please send this information to my address listed or to through the CFPB portal and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
11/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web
After reviewing a copy of my credit report, I noticed two collection accounts placed on my credit report from Americollect. I also am a victim of identity theft but because I have no idea and never been contacted by this company I am unaware if this is an account that falls under one of the fraud accounts. Therefore I am requesting that you allow my attorneys and me to validate these alleged debts. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients ' signed authorization. I have never given the authorization to release any information in accordance with my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also, provide an original copy of the contract with the original creditor that gives you the right to collect debt pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated by my attorneys and I. Please send this information to my address listed or to through the CFPB portal and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
08/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48375	Web
Dear Collector : Please be advised I XXXX XXXXXXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against Americollect INC, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.
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	WI 53218	Web
In the amount of XXXX To Whom It May Concern, In reference to the above-listed account, I am requesting that your company delete the derogatory account due to violations of the Fair Credit Reporting Act ( " FCRA '' ), the Health Insurance Portability and Accountability Act ( " HIPAA '' ), et seq. See. Reference Above WHAT YOU NEED TO KNOW The Privacy Rule generally requires that medical information that is used by a medical provider or its business associate should be limited to the minimum amount necessary for the purpose of the use or disclosure. My private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This unauthorized dissemination of private health care information has been, and continues to be of great detriment to my welfare, and is a violation of the HIPAA privacy rules. The HIPAA-covered entity ( health care provider ) and/or its business associate and/or collection agency did NOT provide me a HIPPA release that releases my personal health care information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights There is NO balance due on this account. 5. 6. There is NO permitted business purpose under the HIPAA privacy rules. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the XXXX, SEC. XXXX ( XXXX ) 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 the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXX of XXXX ( HITCH Act ) as issued XX/XX/XXXX. 10. Additionally your XXXX XXXX XXXX is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section XXXX of the XXXX XXXX ).
04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80919	Web	Servicemember
I was seen in the ER at XXXX XXXX in XXXX XXXX and needed XXXX XXXX. Upon my arrival at the ER I completed all the necessary insurance paperwork and provided my military ID to verify XXXX coverage. When I left the ER the same day I was provided more paperwork at check out which I completed. I received one bill from XXXX XXXX XXXX XXXX in XXXX of XXXX but there was no mention of them not having my XXXX information. I also received a bill from the hospital but that was paid by XXXX and so I assumed ( which I should not have done ) that the XXXX bill was taken care of as well because I never received another bill. In XXXX of XXXX three separate account numbers from the same day/service were submitted to collections and showed on my credit report which dropped it by more than 70 points. I called XXXX immediately and they stated they never received any claims for that day. I then called the billing office of XXXX and they stated the claim was mistakenly sent to the VA where I do not receive any care. The claim was denied by the VA ( or so I was told ) and so it was sent to collections ; I never received any form of documentation from XXXX giving me the opportunity to rectify the situation before it had gotten to that point. They assured me they would refile to XXXX and remove the debt, which eventually happened after about a month. Yesterday I received another statement from the same collections agency ( Americollect ) and the three separate charges went back on my credit report, dropping it again by 77 points. When I spoke with the billing office they denied a claim was ever submitted to the VA and that I was responsible for the bill because I did not provide my insurance information. None of this makes any sense. I spoke with XXXX and they said they'd be happy to pay the claim but they would need proof of timely filing. They provided XXXX this decision on XX/XX/XXXX. XXXX never notified me of this update before reinstating the three collection charges. When I asked them if any documentation was ever sent out after that decision to give me the chance to pay or continue to work on this, they said they did not take any actions to notify me. They refused to submit proof of timely filing claiming I did not provide my insurance information and XXXX needs it to pay the claim. I am at my wits end trying to figure out what went wrong and where so I can rectify this. I am a XXXX XXXX XXXX and having to pay this would put me in financial distress, not to mention what it has done to my credit report. I could really use some help. Thank you so much.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	WI 53218	Web
I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. # 1 Problem with XXXX is I sent a letter to XXXX on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and XXXX FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! XXXX has no excuse to have somebody else information on my credit report. # 2 Problem with XXXX is On XX/XX/XXXX I sent XXXX a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. XXXX claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to Americollect to get information on the account and they did not send me anything either. Americollect is on my credit 4 times and I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX and XXXX XXXX because this account also belongs to someone else and XXXX and XXXX is still ignoring me. # 3 Problem with XXXX is 2 Collection accounts XXXX XXXX XXXX is showing 120 days late. XXXX XXXX XXXXis also showing 120 days late on my credit report. I wrote to XXXX and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but XXXX and XXXX ignored my letters. My credit report is still showing this collection account as late. # 4 Problem with XXXX is that I sent XXXX another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. XXXX did not respond to my letter and none of these collection companies responded to my letters.
05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXXNC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
03/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although Americollect has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the XXXX major credit bureaus and it was removed from XXXX and XXXX but not XXXX. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to Americollect to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing Americollect can do. When I also reached out to Americollect via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked Americollect since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from Americollect. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and Americollect. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against Americollect and the provider, I want this collection removed ... immediately.
01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
07/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32905	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays Date : XX/XX/XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web
XXXX , XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by i dentity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted fr om identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your compan y Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act L itigation, Case No. XXXX , in the U.S. District Court for the XXXX District of Cal iforn ia Stop collec tion proceedings against me Signatures on applications and accounts Investigators report XXXX , XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77075	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
01/19/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 531XX	Web	Older American
I received two notices from XXXX XXXX XXXX that it was attempting to collect a debt on outstanding medical expenses. According to the notices, I was given until XX/XX/2022 to dispute the debt. Today, XX/XX/2022, I called XXXX XXXX XXXX to pay the bill. The woman I spoke with at XXXX XXXX XXXX referred me to Americollect XXXX Inc. and gave me a telephone number for them. I called Americollect and spoke with a woman who took my background information ( i.e., name, address, etc. ). This woman told me I had two outstanding accounts in the total amount of {$780.00}. The woman said she'd get someone on the phone to take the payment. I then spoke with another woman, who identified herself as XXXX. XXXX took the same background information. XXXX confirmed there were two outstanding bills. She said the outstanding amount was approximately {$1200.00}. I said I'm not paying that ; I'm only paying the {$780.00}. I asked where the total came from. XXXX said it was " legal costs. '' I said what do you mean? She said " didn't you get a summons and complaint in the mail? '' I said no I had not, and, furthermore, my notices gave me until XX/XX/2022 to dispute the bill. I told her that I thought she was in violation of the fair debt and collection practices act. She said she'd need to check with someone else. I was on hold then for about 7 minutes. XXXX came back on the phone and said she checked with " legal counsel '' and the balance was {$780.00}. At that point, I asked her to repeat what amount she originally had asked me to pay. She refused to answer this question. Instead, she responded, in an irritated tone, " Do you want to pay the bill or not? '' I then paid {$780.00} by credit card. I asked how will I be compensated for the FDCPA violations. XXXX said she'd need to get a supervisor on the phone. After a 10 minute wait on hold ( only interrupted by XXXX saying " someone will be with you shortly '' ), I spoke with XXXX, who identified herself as a " coach/leader. '' I told XXXX to preserve the recording. XXXX said they record all the phone calls. I explained my situation to XXXX and told her they were in violation of the FDCPA. She said do you want to make a complaint. I said I am right now. I also said I am considering legal action. XXXX asked " who is my attorney? '' I responded I am an attorney. I then gave her the name and address of my law firm. XXXX promised that their legal counsel would be in contact with me.
12/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78130	Web
XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX. There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In XXXX of my uploaded documents, Americollect claims that I mailed them some sort of document in XXXX and in XXXX of this year. This is false. I disputed this debt with the credit reporting bureau 's previously this year. I disputed out online and each time I never received results, or any type of document to prove this is my debt. That is why I physically drafted my own debt validation letter and mailed it to Americollect because I 'm tired of being taken advantage of. Also in the Americollect response letter I uploaded, they ignore my resolution. I feel they do not get a XXXX chance to to validate this debt. I gave them XXXX chances already this year, and I was ignored. I 'm trying to take the responsible approach to handle this debt, and they are treating me unfairly. They as a company need to respond in a timely fashion to my debt validation requests, not when they feel like it, or when I have their attention with this complaint in fear of legal responses. Also, they state they mailed me documents in response to letters I allegedly sent them earlier this year. This statement is false. I never received anything. Please show me XXXX slips that I signed and received they 're letters? If you ca n't furnish such proof then I 'm not sure what to tell you. But I think it is a lie to cover up something. Please delete the reporting of this debt from the reporting bureau 's.
04/05/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08520	Web	Older American
XXXX XXXX Account ( ( a.k.a. XXXX XXXX XXXX, XXXX ). has filed a false and damaging credit status on my credit files for almost two years through a collection company called 'AmeriCollect '. The amount of the false collection billing is {$110.00}. On XX/XX/XXXX and XX/XX/XXXX two officers of AmeriCollect contacted me about the same false medical bill of {$110.00}. They requested proof of payment from me at the time of my medical service on XX/XX/XXXX. I provided the proof of payments to the collection company, 'AmeriCollect and asked them to remove the derogatory charge of {$110.00} against my consumer credit files as discussed. This false credit charge was due to a mishandling of my medical billing/processing by XXXX XXXX. Prior to service rendered to me on the reported date of XX/XX/XXXX, XXXX XXXX had to reschedule my medical appointment for the purpose of engaging my Medical Insurance carrier at that time, XXXX and determined the amount due from me as a patient. There was no previous balance remaining on my medical account at XXXX XXXX. Few days later, an official of XXXX XXXX called me and informed me that they have contacted my Medical Insurance carrier. I was informed the amount due from me was {$300.00}. On the day of the XXXX WITH CONTRAST service, I made two payments of : {$150.00} and {$150.00} to XXXX XXXX. ( Please see attached payment records ). Even after providing the proof of payments, AmeriCollect Collection officials persisted to keep the false derogatory charge of {$110.00}. 37 against my credit files. AmeriCollect officials were stonewalling my complaint and surprisingly led me to a non-working contact a billing contact # XXXX for additional help. On Monday, XX/XX/XXXX, I contacted XXXX XXXX directly. I discussed the billing issue with a lady called XXXX. She was very cooperative and directed me to contact the correct medical billing office for XXXX at XXXX. The lady at the correct billing office clearly stated that If I have submitted proof of payments, the collection company must remove the derogatory remarks from my credit files. AmeriCollect officials continued to resist and stonewall the removal of the false billing charge of {$110.00} from my credit files. I therefore had no other option than to report this incident to the Federal Consumer Financial Protection Bureau. Your assistance in this matter will be much appreciated. Sincerely, XXXX XXXX XXXX
10/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 498XX	Web
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please 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 the 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 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, 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 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 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
08/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 614XX	Web
On XX/XX/2020 I discovered I had a bill in collection with Americollect XXXX in XXXX, WI. I called the company and ended up paying 3 different XXXX collections from XXXX XXXX XXXX XXXX XXXX in XXXX, IL. I discovered that the bills were amounts not covered by my insurance company with the largest amount being from service on XX/XX/2020. I paid the entire amount using my debit card which came to over {$1800.00}. Today, XXXX I was notified about a collection on my XXXX XXXX account and I discovered it was again Americollect, and this time it was for {$3300.00}. I called Americollect at XXXX XXXX. I was told by the female on the phone that the new bill was for service at XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. I told the female that I already paid the bill. The female advised me that my XXXX XXXX " reversed their decision '' to pay the bill and I now owed the stated amount. I advised her that I was never notified by either XXXX or XXXX and that I should have been given an opportunity to dispute the decision or at least pay the bill before it was placed on my credit report. I demanded it be removed and I was told the only way that could happen was to pay the full amount or they could mail me out a removal request and I could send it back and they would review it. At this point, I was very upset and admittedly began swearing at the female and demanded to speak to a supervisor. I then spoke with a female supervisor who told me the same options were available to me and nothing else could be done. I asked her how I could have a bill in collection so soon after paying the bill on XX/XX/XXXX. She told me that the bill was submitted to them on XX/XX/2020. I asked her how much the original bills were for and she advised the {$1800.00} and some odd dollars that I had already paid. I then asked her how can I now have {$3300.00} in collection and she stated that it was the same bill but that amount was added after my insurance reversed their decision. I was even more upset at this time in believing that I should have been given time to pay or dispute the bill before it was applied to my credit report. At this point, the supervisor was only talking in circles and gave me no further recourse. I will be glad to pay the amount owed after finding out why my insurance " reversed their decision '', however, I feel it is wrong for them to post a collection on my credit report as they have done.
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63146	Web
This company ( Americollect INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, XXXX, and the FTC )
03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL XXXXX	Web	Servicemember
Americollect , INC . XXXX XXXX XXXX XXXX. XXXX, WI XXXX REPORTED INFORMATION : Amount of debt : [ XXXX ] Amount of debt : [ XXXX ] Date of Service : [ XX/XX/XXXX ] Date of Service : [ XX/XX/XXXX ] Provider of Service : [ XXXX XXXX ] Provider of Service : [ XXXX XXXX ] On XX/XX/XXXX, I sent a letter requesting specific information regarding TWO debts Americollect is reporting on my credit file. This was not a refusal to pay, but rather a notice that I am disputing the claim and requesting validation. i have the right to request this validation and HIPAA authorization pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Unfortunately, I did not receive the following information I requested : Agreement that grants them the authority to collect on this alleged debt. A complete breakdown of fees including any collection costs and medical charges. A copy of my signature with the provider of service to release my medical information. Cease any credit bureau reporting until the debt has been validated by me. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor on my behalf regarding this account and the results of those claims Alleged account number. Address on file for alleged debtor. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. This is a second request to provide the information. Withholding information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA, as it would be deceiving me after my written request. Therefore, I request full documentation of what they received from the provider of service pertaining to this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act. I have attempted to call several times, but when I advised that my call could not be recorded, I was placed on hold for an extended period of time before being disconnected. Under Florida law everyone involved in a conversation must agree to be recorded and I have a right to decline the recording. The Fair Debt Collection Practices Act says people collecting debts cant oppress, or deceive clients.
11/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 336XX	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* TODAYS DATE:XX/XX/XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
06/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
12/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AMERICOLLECT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
10/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX {$200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX {$200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
04/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78238	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX AMERICOLLECT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX L SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
AMERICOLLECT INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
03/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 329XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICOLLECT INC 1XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
02/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
This letter is to advise that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt 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. A computer printout from your company of the alleged debt does not constitute a copy of such verification and or judgment as required by the Fair Debt Collection Practices Act. You will authenticate the debt by providing me with copies of the original paperwork and or court ordered judgment that is valid. I am also requesting validation in the form of a copy of the original contract baring my signature made by me that states I have contractual obligation to pay you, At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, XXXX ) This action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on 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 Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the 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 any listing of information to a credit reporting repository that could be inaccurate or validated. You are also required by law to provide with a copy of the original signed contract. If your office fail receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately. Best Regards,
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31419	Web	Older American
A year or two ago Americollect inc began leaving messages on our answering machine requesting payment of an old bill.. I could not recall anything. The calls went unanswered. I had not ever talked to them. Because I continued to get messages, which included threats from a robocall and frequent dings to my credit rating I made inquiries to the original creditor as given from XXXX or other agency. A copy of the report listed an unpaid balance of about XXXX dollars from the year XXXX from XXXX XXXX. As I am 100 percent sure that no bill was generated by me in XXXX. I continued to press for relevant information. At first only from XXXX XXXX in XXXX. The first call they could find nothing. After waiting about a week I called back and they were able to provide me with a generation date of XX/XX/XXXX for the amount that Americollect is claiming. But the date Americollect is giving to the reporting agencies is XX/XX/XXXXXXXX with no specific day. This was from XXXX As I continued to get dings on my credit rating Taking it from well over XXXX to below XXXX I then started to make attempts to get firm and honest dates. On my first call to XXXX XXXX they could not find any information. On the second attempt for information I was given the XX/XX/XXXXXXXX date as the generating date. They told me they would provide me copies of the original bill. That was over a month ago but nothing has shown up thus far. Because I am now facing a separation with my wife and she took the car owned by both of us I called XXXX XXXX to inquire about a smaller personal loan for a car. My request for preapproval was denied. By the information they gave me the denial was caused by that reported default.. A couple of weeks ago I made a validation request to them by mail to Americollect in XXXX, WI My request thus far has remained answered. I called Americollect today and XXXX XXXX a bill generation date in XXXX. That information is false and I believe Americollect knows this as well and adjusted that date to provide a reason to harrass me and harm my credit rating illegally. Or what should be illegal misrepresentation of facts.. There should be other supporting documentation coming shortly as well showing the creating entity of the bill and the correct date I will supply them on request.
02/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53143	Web
On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
07/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77066	Web
Americollect INC. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WV, XXXX To : The Office of Registered Agent for Americollect INC. From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
07/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46052	Web
I had received statements for medical treatment from XXXX XXXX XXXX. I made payments on the balance as best I could and told the staff by phone and in writing that my husband works out of state and gives me a monthly stipend to pay bills. I have been out of the workforce since XXXX. I am in an XXXX relationship and financial control is one form of it, documented in my medical records. I told the billing staff in writing and by phone that I was doing the best I could. When the Pandemic hit, my husband who works for an airline had the potential to be laid off, and I advised billing staff. I requested a print out of my ledger so that I could see my balance and that the payments of {$20.00} or {$25.00} were applied. XXXX never sent it. They stopped sending statements. They said I could only set up a payment arrangement if I submitted my husband 's gross income/ tax return. I do not have access to his money, he keeps most of it in an account I have no access to, and I told the staff. I do not want to risk physical injury to myself by submitting the tax return to them, and it's misleading when I only have a smaller amount to work with- it would not give an accurate view of my financial problem.I believed that my contact with staff would prevent collection activity. However, they submitted my account to Ameri Collect I learned XX/XX/XXXX. I called Ameri Collect and XXXX XXXX claims they sent me a letter XX/XX/XXXX that was returned to them by post office. I asked what address it was sent to, and she refused to reveal it to me, giving only the house number.She had no details s to why it was returned, and said it was sent by " normal mail ''. I asked if it was resent, and she said once it's returned they do not try to mail it again. Apparently they did not confirm my address with XXXX either. She claims to have 9 accounts of mine that were turned over to them, which makes no sense. Again, my written request of XX/XX/XXXX for a print out of my account reflecting payments I made was denied by XXXX of XXXX. She returned my letter to me with her notes scribbled on it. I still have to confirm with XXXX what I owe, and I need to see how the payments I made from XXXX to present were applied.
04/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 173XX	Web
After many attempts to coordinate billing efforts with XXXX XXXX Hospital I have called in to ask repeatedly, multiple times per year - for MANY YEARS - to assure that I have paid ALL of my bills, as XXXX/XXXX Hospital ( they used to be separate but now the have merged ) - this entity has a lengthy history of NOT notifying Patients/Clients/Customers of their bills, providing incomplete statements, providing services from unauthorized individuals ( read : blacklisted 'doctors ' who should be barred ), and fragmenting accounts, making it virtually impossible for Patients/Clients/Customers to pay bills in a sincere, deterministic, and reliable manner. This is one of MANY instances where I received a past due, or in this specific case a COLLECTIONS letter on an account after repeatedly calling in and doing a full accounting, requesting clarity of accounts and any/all bills due for my wife, my children, and myself. I am so sick of this - its just plain wrong. This has been going on for years!!! I have near perfect credit and that takes hard work and mindful presence. The processes of these companies violate this on that level ... Specifically, for THIS complaint I was NEVER notified of ANY due/bill/charge for the service reflected in the attachment, [ XXXX XXXX HOSPITAL account number XXXX dated activity XX/XX/2017 balance {$10.00} ] - This was apparently provided for my daughter in XX/XX/2017, which also seem to be a very short period of time to go into a collections process ... I would have thought maybe 90 days after a KNOWN bill, or 6 months after something like this - but it has not even been that long, its just more random awkward incorrect unprofessionalism. I am confident that someone from the CFPB can look into this and apply a corrective action to prevent, or at least minimize this from happening in the future. In addition I will be opening another complaint specifically again XXXX hospital for their inconsistent charges, whereas they provide services to Patients/Clients/Customers at one of their own 'owned/affiliated ' facilities for one price, and the same services at another, often for 3 to 4 times the cost - for the exact same service. Thank You.
05/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54911	Web
XX/XX/XXXX original date of service by XXXX XXXX My insurance provider at the time XXXX XXXX XXXX. Work performed " Normal XXXX '' covered 100 % by insurance. XX/XX/XXXX was informed when wife went in for work I had a {$220.00} bill outstanding, never received any bills. XX/XX/XXXX received collection notice for {$270.00}. XX/XX/XXXX contacted Americollect to get original debtor information. XX/XX/XXXX conatacted XXXX XXXX to see why outstanding balance. Was informed refused by insurance.XX/XX/XXXX contacted insurance provider. Was informed it was denied becasue they did not supply pre-treatment XXXX.XX/XX/XXXXcalled XXXX XXXX back informed them what had to be done and insurance would cover. They informed me they would resubmit.XX/XX/XXXX placed dispute with all three bureaus for this account. XX/XX/XXXX pulled free credit report as we are looking for first home purchase. XX/XX/XXXX Collection is still active. XX/XX/XXXX called Americollect again, informed them it was in dispute. Refused to give me contact information for billing of original debtor, only name of business.XX/XX/XXXX conatcated XXXX XXXX a second time. Got same information as first " Denied by insurance ''. Informed them again how to get it paid. XX/XX/XXXX Called XXXX XXXX, spoke to XXXX. He verified why it was denied and they need to resubmit, but have not done so. Had record of me contacting them first time. XX/XX/XXXXcontacted XXXX XXXX again told them to resubmit, verified with XXXX XXXX and gave them date of first contact and they have done nothing. They had no record of my first contact in XX/XX/XXXX said they would resubmit. Spoke to a XXXX who said she would resubmit. Asked to have it removed off report and collections since it is on there by their error and not mine, was denied. She said she did have the authority to do that. I asked who did and asked for supervisors name was only given first name ( XXXX ) no phone number. XX/XX/XXXXcalled Americollect and informed them this account is in dispute she said she would make a note of it. To date no action has been taken by collection agency or XXXX XXXX to solve the dispute filed with all three credit bureaus.
11/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53051	Web
I'm continuing to receive bills for services from XXXX and the XXXX XXXX of XX/XX/XXXX which I have already paid. I have talked to their Customer Service Dept. numerous times and have gone to their office to rectify the situation. I'm told the matters will be taken care of, but the next month I've receive the same bills. Now they have turned the following over to Americollect, Inc., XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX. The charges are : Acct. # XXXX for {$27.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$14.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$40.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX. When I furnished proof of payment, Americollect told me XXXX said the payments were used for " something else '' and that I still owed these amounts. They can't seem to tell me what this " something else '' is. When I sent the payments, I followed their instructions by indicating on the payment slip which account numbers each was for. Now in the last two days I have received two phone messages and a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX, indicating that I owe XXXX another {$300.00} on Acct. # XXXX going back to XX/XX/XXXX. The charge for this service was really {$410.00}, which I paid on XX/XX/XXXX via Master Card and cleared on XX/XX/XXXX. Again, I had clearly shown on the payment slip the account number to which this was to be applied. I have never dealt with a company that could simply say that payments clearly earmarked for specific billing could be used elsewhere and now you still owed these charges. I have complete records of all my dealings with XXXX. I have paid every bill I owe, and I have proof of these payments. I have no idea what other bills they may try to collect which I have already paid. Looking at theirXX/XX/XXXXrating, I was not surprised to see it as " F ''. Reading through the complaints, there seems to be a pattern here of lying to the consumer and creating a smoke screen in an effort to confuse people into simply paying the bills they receive whether they really owe them or not.
01/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 43228	Web
AMERICOLLECT has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
02/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77469	Web
On or About XX/XX/2018, after reviewing my credit score ( XXXX ) I contacted the XXXX XXXX company in XXXX, Wisconson about a new collection/chargeoff. After providing my personal information the agent stated that, I owed that debt and the only way to settle it would be pay it off. Being unemployed and XXXX I needed no more setbacks, I honestly wasn't sure of the many doctors visited which one it was ; I just didn't need my credit score dropping anymore. The amount the agent stated did not match the amount on my XXXX report and she said it was for another bill due to that same hospital?? so she added that on. I asked what I could pay and she said she would see if they would offer a settlement, she returned and said they offered a 20 % discount and that I would have to pay it all at one time, and this would be written as paid off on my report. So I agreed to pay it off in mid XX/XX/XXXX likely with tax return money. I later found out she misrepresented herself and gave false information regarding any arrangement/agreement or contract with this hospital to settle. I also believe she violated my rights to fair credit collecting practices and manipulated me into paying on a debt, without giving me any evidence that I owed. I had no contract with XXXX XXXX, beforehand and was coerced into that mid XX/XX/XXXX payment as the only option available. At a minimum If XXXX XXXX, is willing to accept a " settlement '' payment they should have provided me a written statement validating the debt, the original lendors willingness to settle and the outcome this would result on my credit report. Non of this was provided. I have never had a CREDIT CARD ( except secured ) and its these very same tactics that exploit our attempts to establish credibility and credit worthiness. My credit score has been adversely effected by these collecting practices and reporting. I went to XXXX to begin a dispute however on XX/XX/2018 after successfully logging in I was unable to select any fields or enter any statements. So I am left to begin a mail in process and hopefully have this resolved. Your assistance in this matter is appreciated.
08/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32277	Web
To AMERICOLLECT : YOU ARE BREAKING THE LAW! This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. Until you can provide me with documentation stating that I gave you, Americollect my authorization and request to release my personal and medical information/records, i demand that you block and cease collections on the following accounts from my consumer report. -Americollect XXXX {$1.00}, {$1000.00}, {$710.00}, {$720.00}, {$150.00}, {$62.00}, {$110.00}, {$460.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. According to 15 USC 1692c ( c ) ( XXXX ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between Americollect and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity Zero out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. XXXX : XXXX
12/21/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WA XXXXX	Web
I am writing this complaint in regards to the alleged debt AMERICOLLECT INC is currently alleging that I owe ( Exhibit A ). After receiving an abundant number of phone calls from AMERICOLLECT INC, I wrote AMERICOLLECT INC by certified mail # XXXX on XX/XX/2021 notifying them of a CEASE AND DESIST ( Exhibit B ) where I clearly outlined the civil violations being committed under the Fair Debt Collections Practices Act. I also notified AMERICOLLECT to stop all further collection efforts and to cease any and all communication with me. A few weeks ago, I received a letter from AMERICOLLECT INC stating that two of the accounts referenced in my cease and desist had been cancelled. ( See Exhibit C ) However, they provided no information for the other accounts. Most recently I was notified by XXXX ( Exhibit D ) and XXXX that AMERICOLLECT INC is now reporting these derogatory accounts on my consumer report and damaging my reputation!! Not only is AMERICOLLECT INC committing civil violations but now they are continuing to harass me over an ALLEGED debt that I disputed since XXXX!!! On XX/XX/2021 I received a notice from AMERICOLLECT alleging that these accounts had been validated and that I owed this debt. First of all, only I, the consumer can validate a debt. Second, they provided me with copies of my medical treatment and visits. This is sensitive personal information! I have never done business with AMERICOLLECT INC nor have I ever entered into any contractual obligation. Lastly, I never gave my consent for any of my medical information to be shared!! I am demanding that AMERICOLLECT INC delete these accounts from my consumer report immediately and to stop ALL collection efforts at once! I do not take this matter lightly, and THIS IS MY FINAL NOTICE TO AMERICOLLECT INC. on the infringement of my rights and right to privacy!! This is sensitive medical information that is being shared without my consent! If this matter is not taken serious by AMERICOLLECT immediately I will be pursuing further litigation and will demand compensation for all of the damages this has caused me.
06/17/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
11/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 336XX	Web
THIS IS IN RESPONSE TO CFPB : XXXX YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING XXXX AS THAT IS IRRELEVANT. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX AMERICOLLECT XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX
07/15/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IL 62704	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/10/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
12/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
You are currently reporting debt to my credit report {$200.00} and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. With Regards,
10/01/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 850XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX XXXX in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77459	Web
XXXX, XXXX XXXX XXXX are braking the law! Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. 15 US Code1681b ( You need permission to report on my CONSUMER report ). 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal! I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A. 15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter. I am DEMANDING you to remove these collections accounts! for Improper use on my consumer report.
04/28/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60077	Web	Servicemember
Several months ago in 2022. I received a notice from Americollect INC out of XXXX, Wisconsin. In this one page letter is requested payment from XXXX XXXX and said it was an attempt to collect a debt. The amount listed was incorrect because I had previously got on a monthly payment plan with XXXX and they were billing my account, so I knew instantly the amount was XXXX plus upon calling XXXX I was informed personally that they had not given my account to Americollect. I called Americollect and told them two things, I was disputed the amount and acording to XXXX they were not authorized to collect the debt. The agent informed me, which I already knew that I needed to put this in writing. I did this withing 2-3 days. I wrote Americollect and clearly stated that I was disputing the debt based on the amount and I was requesting verification of the debt. I speciallcally requested coppies of the original bill from XXXX, and I requested proof that they had a legal right to even collect the debt because XXXX was saying they had no record of my account being placed with them. I have proof of delivery from this letter that was sent to Americicollect which folloed the Fair Debt Collect Protect Act. Americollect never responded! Instead of responding they started a pattern on ongoing and persistant phone harrassment. For months and even to this day I receive at minmimum 4-5 automatic calls a day, including the weekend. I have called Americollect many times requesting the information, requesting that the harrassment stops and the harrassment continues and no proof of the debt or even their agreement from XXXX to collect this debt has been provided. I just spoke with a supossedly superviser earlier that week who stated that she " can't stop the calls '' and the only place that can provide me information about this debt is XXXX, YET Americollect has reported by to all the major credit bureaus, yet refused to comply with the federal Fair Debt Collect Act. They are blantly refusing to follow this act. I have attempted for months to resolve this.
10/09/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29615	Web
According to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Americollect Inc. via the CFPB case number XXXX on XX/XX/2022. ( attached ) In the process of the disputed amount of {$510.00} ( totaling 4 accounts. ) Americollect Inc flagged my credit files on XX/XX/2022 for {$450.00} ( 1 of the 4 accounts. ) Please be advised that prior to my initial complaint on XX/XX/2022 Americollect Inc ignored my certified validation notice and their accounts were not reporting to my credit files. on XX/XX/2022 and XX/XX/2022 Americollect Inc., violated my H.I.P.P.A rights with itemized statements from XXXX XXXX XXXX XXXX containing my private medical information. I have not received any medical services from Americollect Inc. I am not a party to their agreement with XXXX XXXX XXXX XXXX. The itemized statement supplied by Americollect Inc was delivered before it was requested. ( Proof provided in Americollect Incs letter dated XX/XX/2022 ) Due to the business relationship with Americollect Incs medical clients ( stated by XXXX XXXX XXXX Americollect Inc uses unverified processes to violate consumers such as myself. I have not received any statements ( an unmarked envelope with XXXX XXXX XXXX XXXX, WI XXXX ) as stated in XXXX XXXX reply via the CFPB portal. Instead Americollect Inc flagged their account on my credit files. Americollect Inc did not supply contact information from XXXX XXXX XXXX XXXX or state why a debt was owed directly to Americollect Inc instead of XXXX XXXX XXXX XXXX. Americollect Inc did not request the three major credit bureaus to update their records to reflect my dispute, instead my credit files were flagged in the process of the dispute. I was unaware of a medical balance with XXXX XXXX XXXX XXXX. As stated in my complaint. I have contacted XXXX XXXX XXXX in the medical billing department of XXXX XXXX XXXX XXXX. Please see the attached itemized medical statement provided by myself with payment receipts. Americollect Inc are not holders in Due course please cease and desist. I will keep the CFPB updated.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08527	Web
I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXXXXXX XXXX, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from Americollect continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with XXXX. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at XXXX who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to Americollect, XXXX, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to XXXX, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If XXXX looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of XXXX, and the services provided is appalling.
03/29/2022	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	FL XXXXX	Web
AMERICOLLECT INC has posted information on my consumer report stating there is a debt owed with their company. I have never had a contract or agreement with Americollect. they are reporting multiple accounts on my consumer report that they are not authorized to do so. Americollect, XXXX, XXXX and XXXX has violated my HIPAA rights. The federal law contains the following specific verbiage that applies to the situation at hand : " ( a ) Duty of furnishers of information to provide accurate information. ( XXXX ) Prohibition. ( A ) Reporting information with actual knowledge of errors. '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, HIPAA and Florida MedicaXXXX Privacy Statutes further protect my protected health information. The Privacy Rule prohibits you from using or disclosing my individual protected health information ( " PHI '' ) unless I specifically authorize the use, which I have not. HIPAA specifically states : Information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. Your company has supplied my confidential and protected account information without my consent as a consumer. Also according to 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. also U.S code ( a ) 1-4 The amounts reporting are {$1500.00}, {$290.00}, reported on XXXX and {$1500.00}, {$290.00}, {$91.00} and {$55.00} and {$56.00} Reported on XXXX and XXXX. These accounts are listed in error and I am requesting these items removed immediately. I have sent certified letters to all parties involved.
07/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34691	Web
I XXXX XXXX have Noticed a Collection debt from americollect showing a balance from XXXX XXXX XXXX XXXX XXXX of {$400.00}. Ive called. Americollect and asked for information on this they said what the hospital name was and i do recall going to XXXX XXXX XXXX hospital on or around XXXX of XXXX so i called the hospital XXXX XXXX XXXX hospital billing department and asked for my itemized bills if they were paid by my insurance and or sent to collections. Hospital tild me they dont send bills into collections. So i called my health insurance provider and asked if i had any bills with an amount due or if any was sent back and they stated no as well. Ive had medicade my whole life and have never had an issue. I pay my bills no matter if its paynents or not. Well i called americollect back and explained what i was told by both my insurance and the hospital billing department and they said it was sent to XXXX which is the hsopitals billing agency or somthing like that. Well ive reached out to them and asked for the bill thats due of th e amount of {$400.00} and i have yet to recieve that. I asked why wasnt i informed or noted of this bill before it went into collections having 4 month period from the time they said i went to the hospital which was in XXXX of XXXX and was recieved to collections on XXXX of XXXX i was never called which ive had the same number since. i havent recieved a bill or anything. Ive had my social secreity card stolen from me when i was a teenager. About XXXX XXXX XXXX. Ss has flaggd my account since. Well since no one can give me detailed i formation or couldnt reach out to me to pay this debt owed. I have lost out on alot of money by getting my credit up high to americollect to destroy it by dropping me down 60 points. I need help figuring this out. The hospital sent me my bills from that month and year which neither have that amount owed or date. I have all proff i need so why cant XXXX help me when i pay them to check my crwdit every month. This is getting out of hand. And ruining my life.
01/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 313XX	Web
AMERICOLLECT INC Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and 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.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are 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 General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
05/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33470	Web
In response to complaint XXXX AMERICOLLECT XXXX XXXX ACCOUNT XXXX To Whom It May Concern : Your company have violated the provisions of section XXXX , XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Thank you. XXXX , XXXX SS # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX COURT XXXX , XXXX , FL XXXX
03/04/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 296XX	Web
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the **** you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC b ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC e ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC a ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC j. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC g , therefore you are not only using unfair and deceptive practices under the *** which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 190XX	Web
I am unaware of this bill including the amount due and your bill does not include a detailed breakdown of any fees. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Of The Main Line for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until this debt has been validated by ME Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. AmeriCollect keeps reporting to XXXX which is illegal without show validated proof and authorization that I even signed off on this account. This 3rd party Debt Collector has been a hassle. I want this account deleted immediately. The balance is {$230.00} which does not belong to me!
06/12/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32211	Web
I have unsettled bills back in XXXX and XXXX which bills were too old to collect for hospital bills. These collection bills are old bills. They purposely lied and deformation of my character. Violated my right. I have disputed these charges and they will remove them and repost them. The credit bureau helps them by purposely putting false informations. These debts were supposedly old debts with XXXX in XXXX XXXX or XXXX in XXXX Fl dating back from XXXX XXXX XXXX and which my XXXX insurance has no recollection of any claimed debts. Based on the Statute of Limitations in Florida for Debt The statute of limitations for debt in Florida is usually five years. A creditor has five years to sue you for the money you owe. This is because most debts are based on written agreements and the statute of limitations period for contract actions is generally five years. americollect Balance {$150.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$120.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$100.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$470.00} Original Creditor : XXXX XXXX XXXXp XXXX XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Open Condition
12/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33311	Web
AMERICOLLECT XXXX ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
07/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 387XX	Web
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
12/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33603	Web
I am writing to file a formal complaint against Americollect , Inc. regarding their handling of the debt associated with account number XXXX, which they reported to the credit bureaus without providing proper debt verification, as requested. On XX/XX/ I sent a written request to Americollect, Inc. requesting verification of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or the requested verification letter. This failure to comply with my legal request raises serious concerns about the validity of the debt in question. Moreover, I want to highlight that I made a payment of the total outstanding amount of {$1300.00} to the original creditor, XXXX XXXX XXXX of XXXX XXXX, via check # XXXX on XX/XX/. However, this payment was made without assuming any responsibility for the debt, as I had not received the requested verification from Americollect , Inc . Furthermore, I am deeply troubled by the fact that Americollect , Inc. has reported an amount of {$1200.00} to the credit bureaus, despite the original billed amount being {$1300.00}. This discrepancy raises doubts about the accuracy and legitimacy of the reported information. I am formally requesting the following actions : 1. Immediate removal of the collection account # XXXX from my credit report. 2. Confirmation of the removal sent to my address or email as proof of compliance. 3. Proper adherence to the FDCPA regulations by Americollect , Inc. by providing the requested debt verification. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Americollect , Inc. for their failure to comply with the FDCPA regulations and their inaccurate reporting to the credit bureaus. I appreciate your attention to this matter and request a swift resolution to rectify this erroneous reporting on my credit file. Thank you for your assistance in this matter.
09/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32065	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERICOLLECT INC for committing identity theft. I have never given AMERICOLLECT INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from AMERICOLLECT INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AMERICOLLECT INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AMERICOLLECT INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERICOLLECT INC continues its collection efforts, I will file for litigation for actual damages caused and AMERICOLLECT INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
10/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33062	Web
AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33062	Web
AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/20/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AK 997XX	Web
I am filing this complain against AMERICOLLECT INC and XXXX XXXX XXXX for unfair business/collection practices. I received a collection notice XX/XX/XXXX regarding an unpaid medical bill that I was not aware of. When I called the collection agency, they only wanted my information and immediate payment. Frustrated, I told them that I was not aware of this bill and they should not be collecting it therefore, I will not be providing any further information to them. right thereafter, I called my doctor 's office to voice my surprise and frustration regarding the situation. I was told that there may have been some mistakes but they will get back to me very soon. I never heard from them until today, XXXX XXXX, 2016 when I received an email from XXXX informing me that my account was flagged for collection. I immediately called AMERICOLLECT INC and had a very complicated communication the account. I repetitively expressed my disagreement about the whole process. How/why am I being held hostage for an unknown-unpaid bill? Why has n't XXXX XXXX 's office return my phone call? From the collection company 's own statement, a claim was filed with my insurance and is pending. Yet, they still flagging my credit account for collection. I tried my best to tell the supervisor that my account can not be under collection as long as the claim is pending. Further, my Doctor 's office ought, by curtesy, to inform me if the insurance declines to pay the bill. I will then have the obligation to pay the money myself and solve the problem with my insurance. AMERICOLLECT agents want to pretend to help me while falsely assuming that I did not pay my bill and it went to collection. The supervisor wants to make be admit that she 's trying to help me. I feel insulted because I never asked for help. Should there be help to be provided, it would be for AMERICOLLECT and XXXX XXXX XXXX. I simply ask for my right to be fully respected and nothing else.
04/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07307	Web
On XX/XX/2021 I received a billing statement in the mail from a collection agency called AMERICOLLECT, INC notifying me of an amount due to a hospital. On XX/XX/2021 I mailed a debt validation letter to their offices via USPS, asking them to validate the debt for which they are seeking to collect. Unfortunately that letter was mailed un-certified and strangely, I did not hear back. After recognizing my error, on XX/XX/2021 I mailed a second Debt Validation letter via USPS Certified Mail accompanied by a return receipt. In the Debt Validation letter I asked AMERICOLLECT, INC to prove that this medical debt is mine. I asked for specific documents, at minimum a document bearing my signature where I acknowledged owing AMERICOLLECT, INC. A few days later, I received my return receipt in the mail and about ten days after that, I heard back. AMERICOLLECT, INC responded by sending me a vague semi-itemized bill. It is my belief that AMERICOLLECT, INC has failed to validate the debt in question, which is a FDCPA violation. Furthermore, they have failed to provide proof within the document as to their legal rights to collect on this debt. Not only did AMERICOLLECT, INC not validate the debt but the company decided in the interim to take action and report this invalidated debt to the credit bureaus. As soon as I received the first paper billing statement in the mail, I immediately sought to understand who they were and where this was coming from. The action of reporting this debt, which had NOT been validated constitutes fraud under both Federal and State laws. As of XXXX XXXX, a third and final correspondence has been mailed to AMERICOLLECT, INC in the form of a Failure to Validate letter. In the letter the company has been alerted that I will seek legal consult as to how to move forward. The action AMERICOLLECT, INC has taken to report this invalidated debt has proven detrimental to my credit report and credit score.
01/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33470	Web
AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
09/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53140	Web
I had a XXXX XX/XX/XXXX. Prior to my XXXX I met the family deductible and paid my outstanding deductible in full to XXXX Hospital. Approximately 3-4 months after my XXXX I received a letter from Americollect stating my account with XXXX was past due and they were trying to collect. I explained that this was a surprise since I never received a statement from XXXX since I had my XXXX. Nor did they call us to try and reach out. We were n't expecting any statements from XXXX since I was paid in full for the year. The hospital apparently misapplied a payment that we made in XX/XX/XXXX to my wife 's account instead of mine. She was already paid in full with deductible met so it created a very large credit. They never called to tell her this and it never showed up on her statements. It was n't until XX/XX/XXXX that we discovered this credit. XXXX has been taking from that credit and applying to each bill of hers for XX/XX/XXXX. XXXX never sent us statements because there were no payments due. She should be paying on her account as normal meanwhile my account is sent to collections because of their misapplication of funds. XXXX and Americollect will not help us get this resolved. I immediately filed a dispute letter XX/XX/XXXX when I was first notified by registered mail. My letter quoted the law stating they were no longer allowed to collect this debt from me since it was paid. They ignored the letter and continued calling. The last call they indicated that they would work with XXXX to get this straightened out. It was about 4-6 weeks later and I received a notice that my credit report now has collection on it which ruins my credit score. They gave us no notice this was done. They broke the law by disregarding the instructions in the dispute letter and need to be held accountable. They did n't give us proper information to even try and validate the debt.
12/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
AMERICOLLECT , INC . I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
americollect inc is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. ( copy enclosed ) because I do not belleve I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
11/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07206	Web
THE COMPANY AMERICOLLECT INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
12/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63366	Web	Servicemember
Medical billing company refuses to acknowledge billing error. Will not engage for review and have now proceeded with collections process. ******** details of issue ************** Wife scheduled a " XXXX XXXX '' exam and attended the scheduled exam. Insurance ( XXXX ) benefits indicate a {$0.00} copay for this service XXXX mis-coded and has attempted to collect a {$25.00} deductible I contacted XXXX regarding the issue. They agreed with our position and indicated that it should have been coded as a " well woman '' exam with a {$0.00} deductible I shared this info with XXXX, and the person on the phone indicated that there was nothing she could do ( NOTE : Ive had multiple conversations with their clerks over the course of time between XX/XX/2018 and now. ) I asked her to escalate my call to her supervisor. She indicated that she could not, but I could write a letter to their billing complaint department. She indicated that they would call me to discuss the issue. I wrote the letter and mailed it to their offices on XX/XX/2018 and as of this date, I have received no communications from XXXX except for a billing statement indicating an overdue balance of {$25.00}, and XXXX based collection phone calls to my wife. ( I can share with you the letter if you need it ) Ive indicated on each phone call to the billing department that the charges are erroneous and that I wish to dispute the charges. Ive followed the instructions for submitting a written dispute to their offices, yet, XXXX XXXX XXXX seems unwilling to honor my request to dispute the charges. My request of your offices is to help me initiate the dispute procedure with XXXX. Each phone call Ive been told that if I dont pay the bill, they will send it to collections which will have a negative impact on my credit report.
11/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98375	Web
Americollect has been attempting to collect an already paid debt to XXXX XXXX XXXX in XXXX, Washington. in the sum of {$250.00} Dispute attempts by phone were met with associates explaining to me that I could not file a dispute or require validation by phone ( which they are legally required to provide ) and may only communicate with the dispute department via email. I emailed Americollect and requested a cost breakdown and validation of this debt, I only received an email that stated " we have verified that you owe this debt ''. without the required breakdown of costs associated with it. When I attempted to dispute during the first call, the operator stated " I don't see why you would be willing to let this damage your good credit. '' due to this, I feel as though my credit was being directly threatened by a representative of Americollect on XXXX behalf. Americollect also intentionally misrepresented this debt as a retail debt and not a medical debt to credit bureaus. According to the laws in place by the XXXX XXXX XXXX, they are in violation of the following items : The willful misrepresentation of the type of debt. The false representation or implication that any individual is an attorney or that any communication is from an attorney. The threat to take any action that can not legally be taken or that is not intended to be taken The false representation or implication that accounts have been turned over to innocent purchasers for value. The false representation or implication that documents are not legal process forms or do not require action by the consumer. In addition to the violations above, I believe that this was reported and misrepresented willfully with the intent to damage my credit 's good standing and prevent me from meeting credit-based goals.
01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70726	Web
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
09/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77706	Web
On XX/XX/2023 we submitted a complaint on stated company complaint # XXXX. Stating company Americollect , Inc. Was using XXXX of law to publicize and furnish inaccurate and private information while violating numerous consumer laws and, breach of privacy. Which acts has resulted in fraud and identity theft as described in 15 usc 1681 ( a ) q. Using extortionate means to collect on debts not owed which is a crime. The attached statements and affidavits submitted in previous complaints clearly show Americollect inc. Committing these crimes. As in their respose in complaint # XXXX they have falsely given a statement under penalty of perjury. In the attachment. We demanded stated company to cease communication and not contact us regarding any more debts and they continued to do so creating a false belief that we owed them anything. Which will be added in the attachement section of this complaint. We also stated company to pay invoice after failing to provide us with documentation showing they acted with lawful authority when it obtained and shared my information to consuner reporting agencies and in their cfpb response they still failed to do so. In their cfpb response they stated after investigating and attempting to contact the alleged client ( assuming this is the alleged creditor ) and that they coded the claim as fraud in their system. However the proper investigation was not done. We will be submitting the identity theft report in this attachment as well. Please refer to previous report # XXXX for the attachments showijg they have collected money and created a false belief while using extortionate means to collect debts not owed. these documents again along with supporting documents showing they have continously lied and avoided addressing the matter.
07/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web	Servicemember
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT XXXX XXXX XXXX XXXX Open XX/XX/XXXX -- Individual {$210.00} {$210.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
07/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53207	Web
I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. I have asked XXXX XXXX and XXXX XXXX to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. XXXX XXXX has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. I am asking for an investigation of how XXXX has handled this situation. Thank you.
03/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33511	Web
I submitted a certified HIPAA letter to Americollect via USPS mail tracking # XXXX. The USPS website shows they received the letter on XX/XX/2020. In the letter, I requested a response in writing within 10 days advising they were processing the request but I did not receive any response. Per the FCRA guidelines, the creditor has 30 days from the date of receipt to respond/investigation to be complete or else the item must be removed from my credit file. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) validation of this debt must be produced within that timeframe. Neither was done in a timely manner. This item was previously disputed a few months prior and was removed from my XXXX and XXXX report but still remains on my XXXX report hence the reason I submitted another dispute on XX/XX/2020. I contacted the creditor, Americollect on XX/XX/2020 to request that they remove this debt from my XXXX report for failure to comply with the turn around time according to the FCRA 30 day timeframe. I spoke with XXXX, a supervisor for Americollect and she advised me they completed their investigation on XX/XX/20 because they had to wait for the original creditor to send them validation. I explained to XXXX, regardless of the reason, per FCRA they must remove this debt from my credit file b/c they were past the 30 day turn around time to complete their investigation but she refused to do so. I am asking that this item is removed from my credit profile immediately as it is not valid, a breach of security according to the FCRA ( 15 U.S.C 1681 subtitle D of the ARRA, SEC. 13401 ) and was not responded to within the 30 day timeframe also per FCRA guidelines. Best Regards, XXXX XXXX
03/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI XXXXX	Web	Servicemember
MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY PO BOX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR AMERICOLLECT INC IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.
06/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Americollect. I did not open or authorize the accounts that you report a balance of {$750.00}, {$68.00}, {$56.00}, and {$56.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web
On XX/XX/XXXX, I sent notice directly to the PRESIDENT of Americollect Inc, XXXX XXXX XXXX to Cease & Desist any action to defame my character ( attached ). This company has had more than enough time to respond and failed to do so. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I tried to communicate with this company to amicably work to an appropriate solution, and they intentionally ignored my request. Americollect has knowingly and willfully violated my consumer rights by placing an alleged debt obligation on my credit report illegally. Their continued violative business practices, are to intentionally defame my character, harm my financial reputation causing me insurmountable stress. Ive been denied extensions of credit multiple times because of this account reporting to my credit profile. The statute 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. There is no excuse for their actions as they have been in business for over 40 years. Several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. XXXX XXXX XXXX XXXX v. XXXX ( XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX, XXXX P. XXXX ; People XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX.
02/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77511	Web
on XX/XX/XXXX I XXXX XXXX XXXX and ankle and visited two different hospital emergency rooms. The first one was at XXXX XXXX XXXX. The second was XXXX in XXXX. I begun receiving bills from the hospitals and the ER physicians in late XXXX and XXXX. It was easy to identify who the bills were from, what the bills were for and all entities were willing to work with me since I was uninsured at the time. Three days ago on XXXX I received a pink past due notice dated XX/XX/XXXX from Americollect in XXXX Wisconsin. They say I am overdue to pay a company called XXXX XXXX two different amounts - {$36.00} and {$40.00} totaling {$76.00}. # 1 I have no idea who XXXX XXXX is and I have received no correspondence.or bill from XXXX XXXX. I am assuming that maybe it has to do with XXXX of my XXXX XXXX and XXXX? # 2. Even if this is a legitimate debt although I haven't been billed, how could this be in collections less than 60 days from the time I could have incurred a charge. # 3 Due to XXXX XXXX I can't move about. I called the collection agency to dispute but they would not accept that and told me I had to put my dispute in writing and mail certified ( which would be a problem for me ) My issue is how can I debt I never knew about be in collections in way less than 60 days. Even if XXXX XXXX had sent me a bill in XXXX I would not have been considered over 30 days late at time this collection notice was generated. I try hard to keep my credit okay. I contacted the hospitals and they are working with me on reducing charges and accepting a payment plan. Whoever these people are, they are ruining my credit and I have never had a chance to know if I was charged and what I was charged with.
05/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 549XX	Web
We received collection notice on XX/XX/XXXX from Americollect, for services to my husband XXXX from XXXX at XXXX XXXX. We paid this bill XX/XX/XXXX upon receipt and now they sent to collections. Immediately on XX/XX/XXXX, I emailed supporting payment documents to the Collection agency and followed up with a phone call to XXXX later that day. She said to give it 2 weeks and they would follow up with XXXX XXXX. I called back in on XX/XX/XXXX, talked to XXXX, said XXXX hasn't responded, give it another 2 weeks. I called again on XX/XX/XXXX spoke to XXXX, they said they'd follow up ( email only ), but account can only be held until XX/XX/XXXX, which made me nervous, as no action took place yet. I called again on XX/XX/XXXX talked to XXXX, she said XXXX hasn't responded, I asked to talk to a supervisor, held for XXXX minutes, hung up and called back. Was then transferred to a supervisor XXXX at about XXXX pm. She didn't seem too concerned that I was frantic about our credit and said they'd follow up email again to XXXX. Getting nowhere, I called XXXX on XX/XX/XXXX, spoke to a XXXX, whom took my call. I had to send them supporting documents to email : XXXX, assigned case # XXXX. I have emailed them 6 times to check in, they said they would call collection agency to hold account. Per my call to XXXX at Americollect yesterday XX/XX/XXXX, XXXX has not at all reached out to them. We are at our wits end, and I told them both my husband and myself have XXXX credit scores, and no one seems to want to help us. No one seems to be helping us here, so I am turning to CFPB for assistance. Please let me know if you need anything additional and how this can get resolved once and for all. XXXX!!
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 297XX	Web
I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as XXXX XXXX XXXX I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle XXXX XXXX XXXX for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay AmeriCollect in full but I need for this item to be removed from my credit and I need a letter prior to paying.
04/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29615	Web
Americollect Inc. XXXX XXXX XXXX XXXX, WI XXXX Account Number : XXXX {$440.00} Account Number : XXXX {$55.00} Americollect Inc. Agent : This is notice to you that I am going to file suit against you for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. I received a credit alert from XXXX, XXXX, and XXXX that your company has flagged my accounts for collection. Exactly 2 ( two ) days from the date ; your Compliance Analyst apologized to my husband ( XXXX ) about this fraudulent account. Americollect Inc. has now fraudulently flagged my report. I do not now nor have I ever agreed to this contract! Proper documentation from Americollect Inc. was never provided for me to allow you to validate this alleged debt. Amercollect Inc. has been proven to be a fraudulent 3rd party collection agency that violates its alleged clients patients H.I.P.P.A rights. ( see attachments ) *Provided proof of apology. Any further contact in this alleged collection matter will be seen as an act of paper terrorism and mail fraud. You are not the HOLDER IN DUE COURSE and you have no standing in a U.S. Court. You have 10 days from the date of this letter to remove this fraudulent account from my credit report and restore my scores or I will sue your company for a monetary amount in triple damages. I urge you to take this extremely seriously as I have documented my case with witnesses and without error! All further contact from you will be FULLY DOCUMENTED and added to the already existing evidence and made available as evidence in the Court action against you. Americollect has NOT responded and the accounts remain on my credit files.
07/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web	Servicemember
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT INC XXXX XXXX XXXX XXXX Open XX/XX/XXXX -- Individual Account. {$210.00} {$210.00} Consumer disputes this account information Medical
07/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web	Servicemember
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$470.00} Account Details Last Reported XX/XX/XXXX Collection Agency AMERICOLLECT INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$470.00} High Balance {$470.00} Remarks Consumer disputes this account information Medical
11/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 356XX	Web
On XX/XX/XXXX, around XXXX, my husband and I were traveling on XXXX XXXX XXXX in XXXX , when I stopped to turn left. Moments later, we were rear ended by a huge RV whose driver was on his cell phone as noted in the police report. In just a few weeks, bills from the hospital were placed on my credit report. However, due to problems with the at-fault drivers insurance, we had hired an attorney. I contacted my attorney immediately, and he apprised the hospital and other parties involved that this was an illegal report ; the bills were removed. About a year later now, around the second week in XXXX XXXX, I noticed bills from the rear-end wreck on XXXX, XXXX, XXXX, had been placed back on my credit report. AMERICOLLECT INC is the reporting agency for the XXXX XXXX in XXXX where we were taken by ambulance after being rear ended. The XXXX XXXX is part of the XXXX XXXX XXXX XXXX in XXXX, XXXX . The amounts reported are all from XXXX XXXX XXXX ; the amounts are {$180.00}, {$210.00}, and {$150.00} and reported by AMERICOLLECT INC. My attorney has already informed these hospitals that this is an illegal report ; and, that my husband is still receiving treatment from his injuries. My husband just had XXXX and is still under a doctors care. Regardless, these medical bills were put back on my credit report just recently from the XX/XX/XXXX, wreck even with the hospitals knowing about the litigation and even after receiving information from my attorney that placing these medical debts on my credit report was illegal. The hospitals will give no response, and even put debts that I am not responsible for on my credit report despite my attorney apprising them of the situation.
09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 32244	Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
11/01/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33009	Web	Servicemember
I have summited many letters and conference calls with my insurance XXXX XXXX employee and my insurance and I have submitted many letters indicating that they have till XXXX/XXXX/2016 to billed so they could paid. my insurance company paid a full amount of XXXX I received an correction and billed me again for {$15.00}. which i send the check already. but I serousley beleive that this need to be investigated a hospital so big and part of University XXXX have to use a XXXX do n't sound correct. pre approved for 6 days in XXXX Hospital and paid in full, I have many times gone to the Hospital to get my records and was told they lost them, my insurance provided me. I have contact all this collections agencies nut they are rude and unwilling to hear me. XXXX XXXX s also part of XXXX Hospital which I went there for and XXXX because was driving and XXXX and my insurance pays but they billed for an XXXX. I have send proof of XXXX charge but they have interns should n't be putting XXXX codes and now is been in my credit and can not seem to locate THE XXXX DOCTOR that forgot to place a # 1 on billing code for Emergency visit but they did bill and collected. Please investigate this is not making sense anyone can send you a bill and put you in collections, when my insuance paid 100 % my husband pays XXXX dollars a MONTH FOR PROVIDING US WITH THE BEST AND HE IS XXXX AND XXXX XXXX VET. WHICH HE IS NOT WORKING SO OUT INCOME HAS DROPPED FROM XXXX TO XXXX DOLLARS. WE ARE ALWAYS ON TOP OF OUR CREDIT AND I WAS IN THE IMPRESSION THAT MEDICAL SHOULDNT BE IN YOUR CREDIT. PLUS THEY ALREADY GOT PAID. THIS IS MAKING MY XXXX XXXX UP. HOW DO WE KNOW THIS IS A LEGITIMATE COMPANY.
09/20/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 14226	Web	Older American
The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I have requested documentation to verify the debt in XXXX of XX/XX/2020and of XX/XX/2020in which this company is now in violation. I did a final request in this month of XX/XX/2020 requesting the items below : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase. 6. If this debt was purchased a copy of the purchase contract from the original creditor. 7. What did you pay for this account, and how did you calculate the current amount owed? 8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$390.00}. Therefore, due to their lack of compliance of beyond 90days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.
04/14/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 54952	Web
I federally protected consumer sent AMERICOLLECT Inc a cease and desist letter that they received XX/XX/2020 demanding that AMERICOLLECT INC cease communication through all mediums of communication. AMERICOLLECT has called me a total of 19 times after receiving my cease and desist letter. I spoke with a manager at AMERICOLLECT named XXXX XXXX ID XXXX and she acknowledge the company receiving the letter and the repeated phone calls to me. This is a violation of 15 USC 1692c ( c ). This phone calls after the cease and desist letter is a abusive debt collection practice and the pattern of phone calls indicates harassment. This is also a violation of 15 USC 1692d ( 5 ). AMERICOLLECT has removed their tradeline from my consumer reports Deletion is admission to violations of the law. AMERICOLLECT has never received direct consent from me to communicate with me on this allege debt. AMERICOLLECT also received my debt validation letter XX/XX/2020 and did not provide any of the documentation according to the law or what was requested. PLEASE REVIEW MY AFFIDAVIT OF TRUTH FOR MORE DETAILS ON AMERICOLLECT ACTION THAT WERE VIOLATIONS OF THE LAW. My complaint, demands and documentation is clear and concise. The debt collect has permission to respond via the cfpb website. As a cfpb agent, I expect that the cfpb will hold AMERICOLLECT INC to the highest standard of the law. The cfpb is in place to protect the consumer and uphold the law against abusive debt collection. Please do not allow AMERICOLLECT INC to reply with just anything and close the complaint. AMERICOLLECT INC has clearly, willfully, and knowing violated the law
10/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85339	Web
This debt is originally from XXXX healthcare. I have asked before healthcare multiple times to correctly verify the debt. I sent them a bulleted list of the information I need to validate the debt I wanted the payments made as well as each charge. They refused to do it. All they will do is send me statements with the balances. So it got sent to XXXX XXXX and they did not correctly validated either so they removed it. Now it is with Americollect. I sent them a letter stating that I need them to validate the debt and a bulleted list telling what I need according to the fair credit reporting act. They sent me back a letter it was actually very snotty basically saying we already validated which they had not. Maybe they were referring to when XXXX did it but again, XXXX never fully did. So, I had one account with this medical facility. They report each and every visit as a separate item on the collection records to make it look worse on your reports. I had one account. One billing account. They break it down just to get you even worse. They think that they can keep sending it to all these credit companies but again, no one has fully validated the debt. It doesnt matter how many collection agencies they send it to you I have a right to see the charges, dispute charges, compare to my insurance, etc. I also have a right to see each and every payment. They seem to think theyre above the law and refuse to give me that information. They want to just send me blanket statements and not actually address what I have asked of them. I have documentation of every letter I have sent and the bottom line is they are breaking the law.
06/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92563	Web
Since XXXX of XXXX I have been contacted multiple times via telephone by a debt collecting agency, Americollect. They have been contacting me about an outstanding radiology bill in the amount of {$1800.00} from XXXX XXXX. That bill was generated from a hospital stay at XXXX XXXX XXXX XXXX in the state of Florida from XX/XX/XXXX-XX/XX/XXXX.The information Americollect had was my first name, maiden name, and my date of birth. My maiden name has not been my legal name in 12 years nor have I used my maiden name in the past 12 years.The address they have on file for me is not my address nor will you find any record of me residing at or near that address. I have never traveled to the state of Florida or have ever been hospitalized and needing radiology services. I have told several Americollect customer service reps including a supervisor that they have the wrong person and this is not my debt. They kept wanting me to give them my social security number to look into the matter further and I declined. I have not heard from Americollect in almost 1 year so I thought that this matter was taken care of and they moved on with their hunt.. On XX/XX/XXXX when I was doing financial business I was made aware that Americollect had entered 7 counts of unpaid debt to my credit report. Americollect has no proof that this debt is mine and did not have the right to make negative marks on my clean credit report.This has caused defamation to my name and a financial hardship. I have a police report and several personal documents confirming I was not in Florida or hurt in a hospital getting radiology services on the dates listed above.
10/07/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77357	Web
Americollect inc I have received corespondents in the mail pretending to be an attorney if I did not pay the debt for a medical bill that's not mind. This company is using unlawful tactics, reporting inaccurate information on my credit report, violating the hippa act, providing medical information to third party credit reporting agency, XXXX, XXXX, XXXX, this inaccurate information has effected me in getting declined for credit card, employment, unable to purchase a home, rent apartment, this company has caused me stress, I have contacted this company through dispute letters, I informed the company not to contact on my work phone and my cell phone, but they continued to treated me .Also I never gave permission to the original creditor XXXX XXXX XXXX XXXX to release any information concerning me to a third party, I never signed a hippa act release for to realise my medical information, which this company is in violation of the hippa act, also both parties are violating the Fair credit reporting act they are intentionally ruining my credit with inaccurate information on my credit report I'm reporting to three credit bureaus XXXX XXXX and XXXX and I have put in dispute with this company regarding collection and they continue to violate my rights and use unlawful tactics by contacting me at work, on my cell phone, pretending to be an attorney. that if I did not pay they would seek for the action against me. I would like to resolve this issue by having this collections amounts of {$210.00}, {$280.00}, and {$280.00}, and {$310.00} to be removed from my credit immediately. This is not my debt.
10/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85224	Web
XX/XX/2020 - Americollect has been calling to collect an amount {$1300.00} owed to a medical Provider. I called my health insurance and the insurance reprocessed this bill and settled this with the Provider. XXXX XXXX I have verified with the Provider billing company that the Insurance has paid and this debt was resolved. I have asked the Provider billing company to inform Americollect about this and they assured me they will. XX/XX/2020 - Americollect again has been calling to collect the same debt, now in the amount {$410.00}. XXXX XXXX I have spoken to a representative of Americollect and when I told her that I will verify this amount to the Provider, she vehemently told me that " I should NOT call the Provider because the account is now with them ''. She indicated with intimidation that the Provider will not handle this and I should only settle this amount with them. When I told her that I will nevertheless call the Provider, she hinted that this will be reported to credit agencies. XXXX XX/XX/2020 - I did call the Provider billing company and was told that this debt was resolved, with XXXX balance and that they will inform Americollect. XXXX XXXX - I called Americollect and spoke to a XXXX. She told me to prove to them that this was paid by giving them the check number of the insurance payment. When I ask her if there is a process for them to verify this with the Provider, their client, she said the burden of proof is on me. Americollect is aggressively collecting medical debt thru intimidation and REFUSED to verify with their client the debt they are collecting.
01/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 49401	Web	Servicemember
In the month of XX/XX/XXXX my credit score dropped by 94 points due to a medical collection that was filed on my credit report. I identified Americollect as the debt collection company who listed the collection. I contacted the company on XX/XX/XXXX to report that I had never received any notice of the collection nor any invoicing. I was informed by Americollect that the company had never sent any invoicing for an alleged amount of {$1700.00} on behalf of XXXX XXXX because they thought I had an attorney. I do not have an attorney but I had filed a state administrative complaint against the creditor to investigate improper/fraudulent billing practices. Subsequently, all the alleged recent medical debts were dismissed. I did not recognize the date of service given by americollect and since rmp services dismissed all collection activities I believe that the americollect debt is either unauthorized or billed erroneously. I have asked americollect to establish validity of the service date by sending me a copy of my drivers license and HIPPA consent to treat contract signed by the alleged creditor. I have not been provided this information to substantiate the claim. I believe it is unfair that I had not been given proper notice of this alleged debt and I have suffered financially because of this. I maintain " very good credit '' and I would have attempted to settle this debt if it was a valid debt I owed. Now it's too late to handle this account in a satisfactory manner to avoid harm to my credit because the company chose not to send me any notice the alleged debt was owed.
08/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
Americollect , INC . XXXX XXXX XXXX XXXX, WI XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent 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. Sincerely, XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX SSN : XXXX Date of birth:XXXX
12/31/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29651	Web
On XX/XX/XXXX, I pulled my credit reports from all three of the major credit bureaus ; XXXX, XXXX, and XXXX. I noticed Americollect INC has 2 alleged collections on all 3 credit bureaus under my Social Security number. One collection for {$1900.00} and the other for {$92.00}. The smaller {$92.00} collection is dated for XXXX XXXX of XXXX which I have never received any written notices of this alleged debt along with the other ( {$1900.00} ) which has an open date of XXXX XXXX of XXXX, each stated as past due in the status field ; which by law is ILLEGAL per FCRA 623 ( a ) ( 7 ) subparagraphs ( A ) and ( B ). This is the first of my knowing of this company. I sent a letter for validation of me signing a law binding contractual obligation with this company, Americollect INC for the two accounts which they allege that I OWE THEM on XXXX. I am highly dissatisfied with their remarks on my credit file ( XXXX ), " account information disputed by consumer, meets FCRA requirements '' when they are unlawfully ruining my credit with their illegal and unethical credit reporting, incomplete account numbers, and missing information. I have never dealt with this company in any form or fashion, being that they aren't even a business entity in the state of South Carolina. I have also written my state 's Attorney General, XXXX XXXX and the Attorney General of Wisconsin, XXXX XXXX of this matter. Again, I have not once received any notices to date ( XXXX ) that I have any contractual obligations, or accounts with Americollect Inc let along any accounts in collection or past due!
05/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53406	Web
I was made aware I have 3 items in collections with the same company. This company has not contacted me via phone or letter. The only reason I was aware I had anything in collections was when I checked my credit report and noticed they are reporting it. This is the second time this has happened with this company. After noticing these items on my credit I then disputed them. My understanding is that under the fair debt collection practices act they are to send me a written debt validation notice with information about the debt they are trying to collect. It also must be sent within five days of the first contact. This company has never attempted to contact me. They have been made aware of this issue when I disputed it on my credit reports, yet I still have had zero contact from them. They are reporting a {$700.00} medical debt from XXXX XXXX. Collection opened XX/XX/XXXX. {$850.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. {$480.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. Do to this happening with the same company for the same thing in the past this company is well aware of my phone number and address to make contact with me. This has in return caused a negative effect on my credit and could have been avoided had this company followed federal laws. If I was made aware I was in collections when they first opened these items I could have validated the debt and paid these items as to not cause my credit score to go down. Instead these have been reporting negatively on my credit for months without me knowing.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31406	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. Sincerely, XXXX XXXX XXXX
06/11/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11746	Web
I was involved in a motor vehicle accident in XXXX. The driver that hit me was at fault, I filed a claim with his insurance company as well as my own to ensure medical was covered. Americollect states that I am responsible for this balance and has placed a collection on the credit report. This is incorrect insurance is responsible for this debt, this responsibility does not lie upon me. 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. Americollect states that it meets FCRA requirements as per XXXX, XXXX, XXXX. Americollect is in violation of the Fair Credit Reporting Act as they have listed the hospital onto my credit report which is also a HIPPA violation. This is a direct violation and needs to be removed from all credit reporting agencies again I repeat this is not my debt. As Americollect is violating the FCRA and HIPPA & FDCPA please update your records and remove all negative information/collections accounts immediately. Please bear in mind per violation I can seek up to 1,000 dollars per violation at a local venue of my choosing. Contacted Americollect on XX/XX/XXXX The at fault party whose insurance this should be collected from : XXXX XXXX XXXX XXXX ( Employee ) Their AL policy number is XXXX and you can call XXXX to submit a claim on their policy. Claim Number : XXXX XXXX offers no fault insurance protection if needed. Claim Number XXXX XXXX
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
I have filed many disputes over the course of two years with Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on multiple accounts ALL of which should not even be reported due to XXXX rights/laws. I have concluded in research that, In connection with its collection activities, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to XXXX. Based on these violations of the FCRA and Regulation V, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and XXXX rights.
02/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29341	Web
I have XXXX XXXX and Americollect trying to collect the same debt for XXXX XXXX. I have made payments in the past to XXXX XXXX on this account and the balance as of XX/XX/23 is {$490.00}. I received a bill from Americollect on XX/XX/23 for {$550.00}. I immediately called Americollect and thecollection agent told me I owed them {$550.00}. I told her that was incorrect that I had previously made a payment to XXXX XXXX and her amount was wrong. She informed me that XXXX XXXX XXXX reported any payment made to them and asked me if I would like to be transferred to a supervisor. I said sure. The supervisor was rude and would not let me talk and continued to try to talk over me and argue about the amount owed. I tried to inform her that I had spoken with accounts payable at XXXX XXXX and paid off XXXX account and set up payments on the remaining account. She said they could see payments made to XXXX XXXX and then changed her story when I told her I had copies of payments made on the XXXX XXXX app. Then she said she was sure they would get around to reporting the payments next week I should check back then. I then told her the payments were set up with XXXX XXXX and I wouldnt be contacting them anymore. I told her it was fraudulent activity to try to collect {$550.00} and I only owed them {$490.00}. She said thats what she could see and thats what they were trying to collect. I told her I would be glad to send over proof of payment and she simply replied by saying we are already past that!
11/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48503	Web
I was a patient at XXXX XXXX XXXX from XXXX until XXXX. The doctor that oversaw my health was a good doctor. I ceased going because of the poor treatment that I received from the support staff. At my last visit a negative incident occured in the waiting room where I was humiliated by one of the counter staff members loudly and falsely stated in front of all the patients in the waiting room that she could find no record of my insurance and that I NEVER WAS A CUSTOMER OF XXXX XXXX! This statement was false. At the same timeI felt so humiliated that I could not speak, Another patient became so afraid that she pulled out her insurance card and rushed to the window to show the lady that she had insurance, .I did not tell the doctor because I was so uncomfortable and felt unwelcome that I just went through the visit, paid the bill and left. It was after this negative event that these so called " bills '' for visits that I did not make were sent to me from a collection agency. Furthermore I since have discovered that these " bills '' that are label as office visits were based on appointments that I had to change due to my work schedule, not actually office visits. In addition the amounts reporting exceed the amount of the bill that was paid. I found the documentation recently from the insurance company and the billing that was sent to them from XXXX. I have reason to believe that this negative information evolved as a result of the poor treatment I received in the reception room.
03/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI XXXXX	Web	Servicemember
AMERICOLLECT INC. ( ON BEHALF OF XXXX XXXX XXXX XXXX ) IS TRYING TO COLLECT AND CLAIM TWO DIFFERENT AMOUNTS THAT ARE OWED ACROSS TWO DIFFERENT CREDIT REPORTING AGENCIES. ON THE LATEST XXXX CREDIT FILE, AMERICOLLECT INC CLAIMS THAT A TOTAL OF USD XXXX WAS OWED AND POSTED A COLLECTION ON MY ACCOUNT FOR USD XXXX. I TOLD THE REPRESENTATIVES I SPOKE WITH THAT I HAVE NEVER RIDDEN IN AN AMBULANCE BEFORE AND MY IDENTITY AND MEDICAL HEALTH INSURANCE CARDS WERE LOST OR STOLEN AND SOMEONE MADE 8 ADDITIONS TO MY POLICY PLANS AND ADDED 8 ADDITIONAL DEPENDENTS BUT THE REPRESENTATIVE WAS JUST INTERESTED IN GETTING HER SHARE OF THE COMMISSION FROM THE COLLECTIONS AMOUNT. THE SAME COMPANY AMERICOLLECT INC REPORTED ON XXXX THE SAME DEBT BUT FOR THE MAXIMUM OF USD XXXX INSTEAD OF USD XXXX FOR THE SAME ACCOUNT COLLECTION ON BEHALF OF XXXX XXXX XXXX XXXX. THEM CLAIMING TWO DIFFERENT ARBITRARY AMOUNTS UNJUSTIFIED THAT IS SO FAR APART FROM EACH OTHER ( OVER XXXX USD DIFFERENCE ) INDICATES THAT THIS COMPANY AMERICOLLECT INC IS BEING FISHY AND JUST PULLING FIGURES UP FROM THE AIR WITHOUT ANY CONCRETE BASIS OR JUSTIFICATION AND I WILL BE ATTACHING BOTH XXXX AND XXXX DOCUMENTATION TO THE CFPB TO SHOW HOW ARBITRARY THESE COMPANIES JUST CHOOSE WHAT AMOUNT THEY WANT TO USE TO HARASS YOU TILL YOU CAVE IN AND PAY UP. I HOPE THE CFPB ON THE STATE ATTORNEY 'S OFFICE WILL PROSECUTE THEM CRIMINALLY FOR THEIR MISCONDUCT AND FRAUDULENT PRACTICES OF COLLECTING ARBITRARY AMOUNTS THEY CLAIMED IS OWED.
01/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33594	Web	Servicemember
Medical Debt Validation dispute letter was sent certified and receipt by credit agency on XX/XX/XXXX. My request was disputing that the debt did n't belong to me. I requested that the agency ( 1 ) provide breakdown of fees including any collection costs and medical charges. ( 2 ) Provide a copy of my signature with the provider of service to release my medical information to you and ( 3 ) Cease any credit bureau reporting until the debt has been validated by me. Received a letter from the collection agency dated XX/XX/XXXX that only provided the original creditor in addition to the provider information. It was then the agency provided me detail information for someone else ( XXXX XXXX ), who 's patient account is n't mine which is a direct violation of HIPAA and FDCPA. I called the agency at XXXX and spoke with XXXX on XX/XX/XXXX to get more information as to why the agency was reporting a debt that does n't belong to me. She advised me that the agency would have to reach out to the original creditor to get more information. I then demanded that the agency cease all collection attempts and to remove the debt from my credit report as she did verify that the debt does n't belong to me as it belongs to another person or I will purse CFPB complaints and file a HIPAA violation complaint. She advised me that she is only in the collection department and does n't have the authority to remove the account, after speaking with her supervisor and being placed on hold several times.
11/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64093	Web
My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company. This complaint is to address the erroneous reporting on my Credit Report. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that AMERICOLLECT ( Original Creditor : XXXX MISSOURI XXXX XXXX ) was being reported on my credit reported negative on XXXX, XXXX, and XXXX. I have disputed the fraudulent information from my credit report and sent a letter dated XX/XX/XXXX. I have no idea how the theft took place. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and the creditor but they failed to give me any results or feedbacks about this concern. This incorrect reporting is causing my Credit Scores to drop. These are the accounts that are needed to be removed from my Credit Report : AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}
07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07728	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
09/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33150	Web
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 1. XXXX XXXX 2. AmeriCollect 3. XXXX XXXX
04/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29615	Web
Americollect Inc XXXX. XXXX XXXX XXXX, WI XXXX phone : XXXX amount {$55.00} amount {$440.00} XXXX XXXX. is a 3rd party debt collection company. Americollect sent me a validation notice to dispute their debt on XX/XX/XXXX2019 and I responded with a Validation Notice on XX/XX/2019 via certified return receipt. Americollect responded on XX/XX/XXXX2019 with verification of a medical debt from a different company that has never contacted me about this debt. As a result of Americollect 's validation tactics, they have violated my H.I.P.P.A rights. I responded to their statement on XX/XX/XXXX2019 with a Non-Negotiable, Notice Of Default, Opportunity to Cure Notice via certified return receipt allowing them 10 days to produce true and accurate information that I owed them anything. As a result. Americollect responded on XX/XX/XXXX2019 saying they have received, verified, and validated with the current bureau ( s ) and has responded to me. After reasonable investigation my dispute has been deemed frivolous or irrelevant. My credit score was damaged 100 points due to Americollect 's fraudulent activity. Americollect never validated the alleged debt and also violated my H.I.P.P.A. rights. I responded to Americollect on XX/XX/2019 via certified return receipt with a Cease and Desist any and all further action notice of intent to sue. Americollect should not get away with fraudulent claims especially when there is no contact that binds me to pay them.
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 320XX	Web
In XX/XX/XXXX, I disputed with Americollect regarding a derogatory entry they are reporting on my credit reports. In my letter to them, see attached, I specifically stated that I was disputed their claim and that validation was requested. I further requested that the provide me an agreement that stated their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. To date, I have received no correspondence from Americollect. My certified tracking receipt, ( see attached ) ; XXXX was received by Americollect on XX/XX/XXXX at XXXX XXXX Americollect has had 51 days to provide a response to me and have yet to respond to me. Per consumer law, a company must respond within 30 days to a dispute. Since Americollect continues to report this inaccurate entry to each of the bureaus ( see credit report ) and has blatantly failed to respond to my dispute, they are violating my consumer rights and further impacting my creditworthiness. This entry must be DELETED immediately. Further, I would like a copy of the correspondence sent to the bureaus to remove this entry from my reports.
07/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46517	Web
I was sent to the hospital on XX/XX/XXXX. I was held for five hours and released. I later got a bill from XXXX that was very high so I called and told them I had insurance and they sent me the new amount owed which was {$120.00}. At the time I was struggling because I was leaving an abusive relationship and I had lost my well paying job because of this abusive partner. I fell behind with bills since the new job I had gotten was not as well paying as my previous one. I needed to use what money I earned to catch up on my car payments and my auto insurance so I could still get to work. In XXXX of this year ( XX/XX/XXXX ) I paid the bill. In the pictures, it shows the amount owed. I had to tear the top portion off because since the hospital billing would not answer, I had to physically write my credit card information in and send it to them in the mail. I payed {$120.00} which was the amount sent to me by XXXX. It was the most recent bill and it said EXACTLY {$120.00}. I have received two collection notices from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and I have spoken to them twice and emailed them proof of payment TWICE that I paid! I have a credit card statement PROVING I paid. Another debt collector is now harassing me for payment. Americollect sent me a bill yesterday ( XX/XX/XXXX ) billing me for {$660.00}! Im being harassed by TWO companies over a debt I paid THREE months ago! Im very upset and its stressing me out.
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME AMERICOLLECT INC Account : XXXX AMERICOLLECT INC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX
07/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07003	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XX/XX/XXXX I never opened this account inXX/XX/XXXX Pls. send the signed contract with my name or it or -- -Pls. remove this IMMEDIATELY Amerillect XX/XX/XXXX- who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XX/XX/XXXX Who is this?? XXXX if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Consumer Affairs pls. looking to this information since XXXX seems to think it is ok to put peoples personal information on their site without any proof of records.
03/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53202	Web	Servicemember
In early 2019 I had an issue with a sore hip and pinched nerve in my lower back. I had numerous Dr visits, tests etc within the XXXX XXXX XXXX in the XXXX are of Wisconsin. Two days prior to leaving on a vacation, I had a XXXX XXXX in my XXXX and due to the quick scheduling my insurance company had not yet approved the procedure prior to me having it. I paid for the procedure in full on the day of service. A week or so later my insurance company approved the procedure and issued a payment. I never received a refund of the payment I made to them. Subsequently I had some additional Dr visits and XXXX XXXX appointments. I made copay payments at the time of each service. I later received a notice from a collection agency ( Americollect Inc of XXXX WI ) that I owed {$200.00}. I called the billing office at the hospital requesting a complete accounting of charges and payments for 2019 and never was provided them. I made this request 4 separate times each time being promised that the records would be sent. The final time I was told that they can't provide the information because the account was turned over to collections. The collection agency has also refused to provide the information I have requested. I don't know what else I can do. I have told them that I will pay it if they can provide a complete accounting as my records indicate that I have overpaid amounts owed and in fact due a refund.
06/11/2019	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	GA 31419	Web
XXXX XXXX Reported : XX/XX/2019 {$230.00} AMERICOLLECT INC Reported : XX/XX/2019 {$130.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and 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.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
10/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 293XX	Web
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
12/12/2018	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	GA 314XX	Web
AmeriCollect {$96.00} I challenge the accuracy, compliance and reportability of this listing. There is no contract, no valid claim ... account was settled with original creditor ( XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
01/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46268	Web
I had received a bill from XXXX hospital in XXXX or XXXX from a hospital visit inXX/XX/XXXX. My bill was just over {$3000.00} and I did not have health insurance so I sent a letter to insurance department explaining that I was a college student with no insurance and there was no possible way to make that type of payment. After sending the letter I assumed that I would hear back to see if the fee was waived or reduced. After months passed by I was never notified about if my request was accepted ( which I thought was strange ) so I just assumed that the whole payment was waived. InXX/XX/XXXX I decided to to create a XX/XX/XXXX account because I am looking to start build my credit and noticed that I have a derogatory mark which is from AMERICOLLECT. It says that I owe {$220.00} and that they posted the debt on XXXX XXXX, XXXX. After discovering this debt I made the payment on XXXX XXXX, XXXX. I am writing this complaint because if I had received any information about this debt when it was due I would have made sure to get it paid on time. I am a responsible person and would greatly appreciate if the derogatory mark posted on my credit be removed. This year I am looking to start building my credit and would like to start off fresh. This issue was not in my control due to not receiving the information needed to make a payment. Thank you.
01/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77016	Web	Servicemember
There are 3 derogatory alleged medical collections placed on my XXXX, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is Americollect. Americollect has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the Americollect and from XXXX, XXXX, and XXXX for allowing this company to commit fraud. Amercicollect did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. Americollect also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that Americollect ran a soft pull on my consumer reports before placing these fraudulent accounts.
06/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 14226	Web
On XX/XX/22, I received notification that my credit card interest rate was increasing based on my FICO score recently received. I had not done anything that would prompt a change in my FICO score so I ordered my credit report to make sure there were no changes in my credit history. To my surprise, there was a collection item placed on my account. I immediately call the collection agency to confirm what the item was for and they indicated that I had an outstanding medical bill from last year. When I asked for the details, they had none. They just wanted to know if I wanted to " settle the account today ''. Not sure how anyone else handle their finances, but I don't dish out money without details. My concern is that the collection agency did not do their homework to confirm if the debt was legitimate prior to posting it to my credit report. As a result of this collection item my FICO score was significantly reduced and resulted in a 6 % rate increase to one of my credit cards. I have disputed the claim with the credit bureau and looking to get additional information to confirm the debt is outstanding. If it is legitimate, I will pay the debt however, I have a one important question for the company that submitted the debt to the collection agency. Why is the first point of contact for the debt from a collection agency?
12/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 313XX	Web
XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
03/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43085	Web
To Whom It May Concern, The reason for my dispute is AMERICOLLECT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMERICOLLECT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS AMERICOLLECT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMERICOLLECT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AMERICOLLECT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMERICOLLECT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
01/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web
Americollect Inc Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Creditor Information AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Dear Officials, I have contacted the original creditor 'XXXX XXXX XXXX ', XXXX XXXX XXXX billing department , and Americollect , My company insurance coordinator and finally XXXX XXXX All of them have a different amounts, service dates, and number of invoices. It is frustrating. If the original creditor XXXX XXXX XXXX sends invoices to Americollect, i agree to pay if they are accurate. XXXX said they have only 2 accounts on my family name, i have them- willing to pay buy when i call Americollect the collection agency, they have 5 accounts/invoices. My company insurance coordinator is unable to view amounts, i called XXXX, they do not have records of those claims fro XXXX. How am i getting them? I am sure i do owe some money during our XXXX but where should i get the correct info. I would say i believe XXXX since they are the original creditor. Please help. Americollect telling me incorrect information and sent info to Credit bureaus I beleive them all and ready to pay but i want to make sure right people getting my money. Subject ; XXXX XXXX XXXX XXXX Americollect XXXX. Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX.
11/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53589	Web
Recently the debt collection agency Americollect reported a collect account in the amount of {$660.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted Americollect in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. As such Americollect continues to report negatively impacting information to my credit profile. When contacting Americollect via the phone on XX/XX/20 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to Americollect. As of XX/XX/20 Americollect has not validated the debt as requested.
05/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO XXXXX	Web	Servicemember
I received a debt collection letter form Americollect for a medical bill that I owed. I sent an email asking for verification of the date, by which a letter was sent to me regarding the debt. The reason I disputed the debt was because I never received anything from the original creditor stating the debt was owed. Upon receiving the verification of the debt what I noticed was that the XXXX XXXX XXXX XXXX received payment from my insurance on XX/XX/21 and instead of sending me the bill they wrote it off on XX/XX/21 and sent it to collections without having the opportunity to pay the bill. Any previous bills I had received I paid upon me receiving them. Furthermore they sent me text messages about previous bills were due, but for this one they did not send anything. Even if they had sent the text on XX/XX/21, the same day that my insurance paid their portion, it wouldnt't have mattered because 3 days later they sent it to collections. XX/XX/21 XXXX XXXX {$150.00} XX/XX/21 Provider received payment {$100.00} XX/XX/21 Written Off/sent to collections {$19.00} The issue is not the amount due as I was also able to confirm the amount via my EOB from my insurance plan. The issue is an account being sent to collections and a debt collection letter being received regarding a debt that was never invoiced to me.
01/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 776XX	Web
I received a presentment from Ameri Collect about an alleged debt that was either purchased, obtained on-line not sure how they obtained it but I know for fact I never enter into any agreement or contract with said entity. I been asking for proper validation of said agreement ( as opposed to cheap copies of personal medical data which is violation of HIPAA but nowadays computer hacking is rampant ). I recently received correspondence XXXX that in one claim with an entity ( 24 collections that were being reported on my consumer credit report causing unlawful damage and suffering ) that they " requested '' the 3 major credit bureaus to remove after all time that has passed and affected my livelihood and well-being. Which is equivalent to admitting they made an error in reporting the 24 collections to the credit bureaus and yet gave no reason. Which by consumer law any error or false reporting of information can be fined up to {$1000.00} each not to mention jail time. I AM A CONSUMER WITH RIGHTS! Now in exchange to overlook taking legal matters I made the offer for said company to DELETE 2 other collections their reporting on my credit report ( mainly XXXX ). Being a non-combatant sovereign I'm going through the proper chain of command and protocols before proceeding to follow up with litigation.
11/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 305XX	Web
I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; 15 U.S. Code 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt! You never sent me any proof of verification either you ignored my letter, I sent it on XX/XX/2022, you received it on XX/XX/XXXX, that was my second letter you ignored, this qualifies for an automatic deletion! XXXX, that's the tracking number! Regards, XXXX XXXX I UNDERSTAND THE CO
06/10/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 531XX	Web
Americollect has been contacted by me and by the XXXX regarding debts owed to them. They continue to answer in a manner that just gives a run around. No real solution. I had set up an automatic payment to pay on a debt they say I did n't pay. They stopped taking out of my checking after the payment was made on XXXX. The debt listed of {$60.00} should have been paid off. They claim I still owe it, they say that the last payment made was XXXX, but I proved to them that they took out another payment on XXXX, but they claim they applied to another account. They are not applying it correctly and refuse. I have also been disputing a debt from XXXX of {$640.00}. They are saying it was delinquent of XXXX, this does n't even give enough time for insurance to be billed and paid and then sent to me for payment. We filed for bankruptcy on XXXX and I have been questioning this debt. I know XXXX was the original debtor and they were included in my bankruptcy, which also means I did n't receive any bills either from them. I am only asking my bill show it was paid and the XXXX for {$640.00} should be removed, either way my 7 years will be up, or they are asking for a debt that was including in my bankruptcy which is against the law. They refuse to update my credit report with the correct information.
05/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
This is my third time to try to solve this issue with the cfpb and my complaint has gone not properly investigated. On my credit report I have 3 collections on my report from Americollect. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent a written request for debt validation for the agency on XX/XX/XXXX I received correspondence from Americollect stating that the accounts has been cancelled from their agency and that they were not collecting on the debts. Then I received a letter stating that I owed XXXX, XXXX and XXXX. Please review attachments. I requested that the agency send me a complete itemized statement as in ( breakdown of fees ) how did they conclude that my total for each alleged visit total to be XXXX, I requested that the agency furnished me my wet signature, provider of service and a signed HIPAA release. I did not get the any the items I requested. under the Fair Debt Collection Practices Act ( FDCPA ) I am entitled to these requests which Americollect has failed to provide which is a violation of my rights. I am allowed under the FDCPA to request full documentation of what you received from the provider of service in connection with this alleged debt for verification and I have not received validation. And my rights have been violated.
07/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31406	Web	Older American
I submitted a written request for specific information in order to establish the legitimacy of an alleged debt owed. After thirty days I still had not received the information I requested, nor had I gotten a response to my request. I made a second attempt to contact the company, included a copy of my first information request and a request CEASE and DESIST any and all further attempts to collect this alleged debt, which remained unanswered for in excess of thirty days. Over two months after the initial request I still had not received any type of response. I sent a third request for the information and requested they CEASE and DESIST any and all further attempts to collect this alleged debt. In addition, I requested they refrain from reporting to and/or remove from any credit reporting agencies this alleged debt that is currently in dispute and to provide written documentation that they complied with this request. I have spent months attempting to rectify this problem. I have no desire to escalate my frustration by continuing communications with this company. Its my belief that continuing to report this alleged debt to multiple credit reporting agencies without allowing me to verify the debt is harassment and a bullying attempt to collect an unverified debt.
12/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web
I am filing this complaint because a company called Americollect is not providing me with validation that I owe them any money. They are reporting that I have four unpaid debts with them totaling {$3800.00} but I have never done business with them or signed any agreements with this company. The first debt is for {$980.00} and was opened in XX/XX/XXXX according to my report. The second debt is for {$980.00} and was opened in XX/XX/XXXX. The third debt is for {$930.00} and was opened in XX/XX/XXXX. The fourth debt is for {$980.00} and was opened in XX/XX/XXXX. The account numbers on my credit are all " XXXX '' so this is very suspicious. I also do not understand why they are all for the same amount. I 'm including a section of my report which shows how they are reporting all these debts to my credit. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX, Wisconsin and I have never lived in Wisconsin in my life. I live in Florida. There are over 84 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
07/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53188	Web	Servicemember
Americollect called me and told me about a debt that I had I was very on sure if it was my debt so I asked them if they could sent me a validation letter asking for that what this debt was for and what I was paying them for that was back in XX/XX/2019. I have not yet received anything and I have asked them repeatedly to send me something. When I would ask this would be when they would ask for money. What I mean is I am am already paying them {$330.00} dollars a month and they still call me asking for more money from me but still they do not send me anything to validate my debt. The last time I asked them was In XXXX and I called them for it. Still Nothing. Now I am still paying them {$330.00} dollars a month and I don't even know if this is my debt. I can not to keep paying them this ridicules amount of money my family and I can not afford it. I am a family of XXXX making less then XXXX and they know this but that is what they said I had to pay or they where going to said this over to their lawyers and sue me.Not only that the woman was horrible mean to me when I started asking questions about my bill she said I had to pay that amount. They say they are the nicest people but they are not at all good to people by any means.
06/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53406	Web
Received calls from Americollect approximately 3 months ago. Would get at least 1 call a week. When I spoke with them they initially were trying to collect a debt my wife owed. My wife then setup a payment plan with them for her debt. Days later they kept calling me. When I informed them this was not my debt and that a payment plan was setup for my wife they stated they would remove my number from the file. This happen theee more times. All times they stated they would remove me number. They then called my employer in an attempt to locate me. When I called back they informed me I had 3 open accounts with them totaling just over {$2700.00} dollars. I asked who the original debts were for. They told me that one was for a medical place. Did not tell me if all were for medical places and did not tell me the amount. I informed them I never received any information in the mail regarding this debt and just 2 days prior when I asked if I did owe anything I was told no. The phone calls then stopped for a month. They are now reporting this debt on my credit. I still have not received any information in writing about this debt. The amount and who the original debt is owed to I only know because I had to look up my own credit report.
03/20/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08724	Web
This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. The name, address, and phone # of the original creditor, since you are a third party collection agency. Proof that you are authorized to collect this debt on behalf of the original creditor. A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
09/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28152	Web
On XX/XX/2020, I XXXX and had to be taken to the hospital via ambulance. The XXXX that I saw that day was XXXX XXXX XXXX. I XXXX XXXX XXXX and XXXX my XXXX, which at the time was admitted into the XXXX. I was treated and released on XX/XX/XXXX. On XX/XX/XXXX I returned to the XXXX with two XXXX XXXX and was admitted again then later released several days later. XXXX XXXX was the XXXX that attend to me the whole process. Since then, We were billed by multiple companies. Our insurance provider at the time was XXXX XXXX, and paid all the bills with the exception of one. This particular bill is coming from XXXX XXXX XXXX XXXX. XXXX XXXX claims that this invoice is from an out of network location. Now, I only went to one hospital, XXXX XXXX XXXX in XXXX North Carolina. This is an XXXX XXXX company. I have contacted XXXX, they can not tell me nor do anything about the bill and said to contact the number on the bill. I have done that as well, and they say to contact XXXX. Meanwhile the bill has not been paid by my insurance and it has gone to collections. I have yet to be given any documents signed by myself, saying I received any services by the doctor on the bill. Also no-one at XXXX can provide me with that either.
11/03/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 991XX	Web
I incurred a hospital debt for XXXX from XXXX XXXX XXXX XXXX. The date that this was incurred was XX/XX/XXXX. At that time I was under a financial grant from XXXX to cover 95 % of my debt. About 6 months later I started receiving collection notices from americollect collection services. At the time I started receiving these notices I was unemployed due to covid so I had no money. In XXXX of XXXX I went back to work. I at that time contacted americollect to let them know about my grant so I could settle this debt. They told me I had to e-mail them a copy of my grant. So I went through the trouble of going to the hospital to get a copy of the grant then e-mailed it to them. I was told to call back in a couple of weeks so they could get it and log it. When I called back they are now trying to tell me that the date incurred was actually XXXX and would not be covered by the grant. This is not true. I did not have a hospital visit in XXXX. When I researched this debt with both XXXX and XXXX. The date listed as date of service is XX/XX/XXXX which is correct. So I should only owe Roughly {$30.00} of the XXXX they say I owe. I want to get this off my report but am not willing to pay them the XXXX when I don't owe it. Thank You
03/14/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 31405	Web
XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt. Validation Letter sent to : XXXX XXXXXXXX XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
08/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 184XX	Web
Hi, I have spoke to and disputed this bill 3 times now.I received three separate bills for the same day of service and one visit to my XXXX.Three different charges of XXXX broken down to three different accounts again for the same visit. I informed them that insurance has an agreement with these organization to accept a smaller amount or a settled amount for services so they are able to accept that particular insurance. I disputed the fact that I never signed anything that said I would owe a particular Dr. by the name of XXXX XXXX separately for the same services.I asked for a copy of were I signed and it said that. Despite the fact that I had full insurance and an account at work that would cover any differences.I never received an answer from them on what service it was and a signed contract that says I would pay Dr XXXX separately from my insurance. I just spoke to them and ask them why they would make it look like three separate accounts for one day of service at the credit bureau.It shows up as 3 collections on all three credit bureaus.Ido n't believe I should of been billed at all unless I knew I was going to billed twice.I am still waiting for the contract I signed that says I would pay that way.Never came.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07040	Web
I XXXX XXXX sent in a notarized debt validation letter via usps with ceritfied mail with signature receipt # XXXX XXXX XXXX XXXX. Which was signed by a XXXX XXXX on XX/XX/2021. I sent in a debt validation 15 US Code 1692 ( g ) ( 4 ) ( 5 ) ( b ) request a signed and contract between Americollect XXXX XXXX, XXXX XXXX XXXX WI XXXX. AMERICOLLECT was asked by the consumer to remove damaging information from my credit file upon receipt of my letter. Since sending in my debt validation letter to AMERICOLLECT they have sold the debt to a different debt collection company however still furnish misleading and demanding information to my credit files.As per 15 US Code 1692 ( a ) ( b ) ( f ) abusive deceptive and unfair debt practices by a debt collector. 15 US Code 1692 ( f ) ( 1 ) unfair practices. I am seeking remedy for these damages as per 15 US Code 1692 ( k ) Civil liabilities ( 2 ) ( A ). Not responding in a time fashion to my communication attempts to remedy this issue. OTHER VIOLATIONS WARNING 15 US Code 1611. I contacted XXXX to have the information updated and or removed to no avail.Waiting on this company to comply with the comsumer and remove or update files and to stop furnish this damaging information.
11/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
This is a formal complaint against Americollect and XXXX that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. I mailed a certified written letter to XXXX on XX/XX/XXXX and Americollect on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from Americollect that validates this debt and XXXX continues to verify the account stating that Americollect has certified that the debt is valid. If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. Furthermore, I contact XXXX on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.
07/02/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46060	Web
In the last month they have contacting myself and for my husband account only on my phone number, I have never avoided calls and working with them and my HRA to send them money on past debt not paid through insurance. I have talked to them 4-5 times in XX/XX/2019 along and working nicely with them and they receiving payments from either myself and/or HRA. As of XX/XX/2019 we have determined the balance left will not be paid by HRA so I paid in full early afternoon prior to XXXX, which the money was immediately taken from my bank account. Now today XX/XX/2019 at XXXX. est. time i receive a call from them for my husband account saying i owe XXXX, i said please look at notes paid in full prior, she said no and only notes were from XX/XX/2019 i said please look again it has came out of bank account she said oh yes i see that. This is not acceptable, one i have not avoided calls and over XXXX you have an automatic dialer call on accounts that have been paid in full. I understand there maybe a delay from when system updates however the system should update more often then this. The account should have been set out not to call today at XXXX. when payment for full paid prior to XXXX. day before.
09/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07305	Web
Americollect Inc XXXX XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/2021 Re : Account # XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.
08/03/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30141	Web
I have balances with XXXX XXXX XXXX and it was turned over to ameri collect collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from dates XX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$240.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted Americollect multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually. This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
06/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK XXXXX	Web
XX/XX/XXXX I was involved in a motor vehicle accident, and transported to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Americollect regarding an account that was turned over to their offices to collect the debt. Between XX/XX/XXXX and XX/XX/XXXX I have reached out to Americollect and XXXX on multiple occasions. I have also filed a dispute with the credit bureaus. XXXX states the account was never turned over to collections as the account was paid per financial assistance and has a XXXX balance. Americollect states it was turned over and is valid debt. XX/XX/XXXX recd multiple emails from XXXX billing stating account was paid, has XXXX balance and to reach out to collection agency. XX/XX/XXXX XXXX, with Americollect, states XXXX needs to pull the account. Advised me to forward my communications with XXXX to her office, then states I will need to allow up to 14 days for someone to review the information. This is absurd!! 14 days to review the account- its been XXXX years. As the consumer I shouldnt have to spend hours upon hours of my time trying to get this resolved. The balance owed is {$7400.00} and neither XXXX nor Americollect seem to be escalating this issue.
06/05/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31406	Web
On XXXX, XXXX XXXX to notify them that once again the insurance was filed wrong, and not with all the insurance that I have, I provide XXXX XXXX associates the correct information to refile with insurance companies, The person name XXXX XXXX stated that she would take care of it, On XXXX Americollect put bill on my credit report stating that bill was not paid, I explained to them that it was filed with wrong insurance company to process the remaining balance, the bill amount was XXXX, XXXX XXXX paid XXXX plus XXXX, the other insurance was listed as not paid, when I reached out to Americollect collections I talked with XXXX, she stated that bill was showing pending due to insurance, I then asked if it was showing pending why did they put on credit report, she stated for non payment I stated to her that, that was not true that I first insurance paid XXXX and XXXX, and that they failed to file with other insurance company, and that this should be removed until resolved, I called the insurance company they stated that the bill was not ever filed with XXXX, I called back and spoke with XXXX on XXXX, and asked what do i need to do to get resolved not answer was given.
03/31/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	IL 60031	Web
I have disputed this account with the credit bureaus on several occasions as well as disputed with XXXX. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Additionally, this company claims I said this was a fraudulent account ; however, you can see in attached documents that I only requested that they indeed prove beyond a reasonable doubt that this account indeed was mine. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29340	Web
I am distressed that the reporting agencies are reporting false information. I have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
08/27/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 48316	Web
Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
04/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53092	Web
On XX/XX/XXXX, I noted an erroneous collection on my perfect score credit bureaus reports, contacted collection agency regarding error as well as provided reference number to show proof of payment which occurred over 8 months ago on XX/XX/XXXX. It's been over three weeks and no action has been taken and negative info sits on my Bureau reports. on XX/XX/XXXX. I contacted the original creditor ( XXXX ) who indicated to me that thaqt particular collection has a XXXX balance and to contact the creditor for resolution. this is a circle as they told me to contact the original creditor despite having proof of payment on my credit card statement. What's sad is that I'm in the middle of a mortgage that was pulled when my scores where above 700 which was not only the qualifying amount but also a decent interest rate. now do to this collection, my scores dropped a minimal of 36 points across all three mortgage lending reports, ie 2,4,5, .Not only am I filing this report under unfair practices but also under financial harm to me as a result of credit scores drop. which will impact me on obtaining the mortgage or interest rate increase to me.
03/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32209	Web
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector also made a dispute. XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector also made a dispute. Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to company and debt collector also made a dispute. XXXX XXXX I have reached out to company and made a dispute. XXXX XXXX I have reached out to company and made a dispute. XXXX XXXX I have reached out to the company and made a dispute. XXXX XXXX I have reached out to the company and made a dispute. XXXX XXXX I have reached out to the company and made a dispute. XX/XX/XXXX I have reached out to the company and made a dispute. XXXX XXXX i have reached out to the company and made a dispute. XX/XX/XXXX I have reached out to the company and made a dispute.
02/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32221	Web	Servicemember
Please be advised this isn't a bill or contract with specifics of this visit & treatment. I've advised multiple times I'm 100 % service connected XXXX veteran. All my care is with VA & this inhouse printout doesn't validate this as a debt. It also doesn't give you the right to purchase a debt as a XXXX XXXX collection agency & place it on my credit reports. I will be contacting the Federal Trade Commission & pursuing legal advice against Americollect. You've failed to provide a valid statement detailing these charges. You have failed to also provide any signed documents regarding thismatter. I lost my job of XXXX years prior to this transaction. I've been covered through VA since XXXX & private medical insurance when I was employed up to XX/XX/XXXX. Please remove this debt from all my credit reports due to failure providing valid medical records of this visit. If I don't receive verification within the next XXXX hours of either medical records of this XXXX visit or proof it's removed I will take every steps within my legal rights to seek financial damages for the XXXX XXXX XXXX this has caused. XXXX XXXX XXXX XXXX XXXX XXXX
06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31558	Web
In XX/XX/2018, I sent a certified letter with return receipt to Americollect regarding 2 erroneous and unverifiable entries that they are reporting on my credit reports. This was my second attempt to seek validation on the reporting of this entry. Americollect has not one time provided a dunning letter prior to placing this entry on my reports, nor have they attempted to respond to my requests. In my latest correspondence to them dated XX/XX/2018, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release any medical information regarding the alleged debt as well as cease any credit bureau reporting until the debt had been validated by me. Americollect did not. This entry 's insertion on my credit reports is a blatant violation of my consumer rights and the mere fact that I have requested in writing, to this company, to provide specific information regarding this alleged debt and they did not respond, nor have they responded in well over 60 days, is yet another notable violation. These entries must be deleted from my credit report immediately.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 285XX	Web
15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.
11/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
Americollect received my dispute that was sent certified with a return receipt on XXXX/XXXX/XXXX ( see attached ). I specifically requested that this company provide me documentation that reflected I indeed owed the debt they were alleging, provide documentation that bore my original signature, copies of all invoices, receipts, and summaries for this inaccurate, unverifiable entry they are reflecting on my credit reports ( see attached ). Additionally, since Americollect is a 3rd party collection agency and is attempting to collect on behalf of a healthcare organization ( see attached response from Americollect ), they are required to ( based on HIPPA ) to have documentation on file and provide that upon request whereby I gave the healthcare organization the authorization to share my information with this company. To date, Americollect has not provided any documentation to substantiate the alleged charges other than a mere letter that they typed on their letterhead ( see attached ). This entry 's reporting is in violation of my consumer rights and therefore should not be reflected on any of my bureau reports.
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 154XX	Web
My balance was paid to {$0.00}. I contacted each individual credit bureau XXXX XXXX, XXXX, and XXXX XXXX about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
10/12/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70816	Web
On XX/XX/2019 I received a letter and phone calls from AMERICOLLECT stating that I owed them payment from a Hospital Statement. I contacted AMERICOLLECT Specifically Asking for a SIGNED CONTRACT BETWEEN MYSELF AND AMERICOLLECT STATING THAT I WAS OBLIGATED TO DO BUSINESS WITH THEM. They in return created a False Contract with AMERICOLLECTS NAME AND MY NAME ON WHICH IS NOT A ORIGINAL CONTRACT. I have contacted them several times about this and they have not fixed the issue. They have reported it on my Credit Report and I also disputed it there as well. I know that these companies buy debt for PENNIES ON THE DOLLAR AND COME AFTER US FOR THE REMAINING BALANCE. The Hospital wrote the Debt off and again I Never Signed a Legal Binding Contract with AMERICOLLECT INC. IF THERE IS NO WET INK SIGNATURE WITH MY NAME ON A CONTRACT I HAVE NO OBLIGATION TO THIS COMPANY. I also Informed the representative that I was tapping the call as well and informed her that I knew that there was no signed contract between myself and AMERICOLLECT INC. Please contact me at your convenience about this matter and I Appreciate your time.
12/07/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 498XX	Web
Dear XXXX, Americollect sent a debt collection notice via mail to collect for XXXX XXXX XXXX SC in the amount of {$1.00} on XX/XX/2022. Americollect dated the notice as XX/XX/2022. I called Americollect and told them that XXXX XXXX XXXX was contacted in the summer to give me a detailed bill after I received a notice from them that I would be sent to a collection agency if I didn't pay them. The XXXX XXXX XXXX XXXX department told me to disregard the bill and they would sent in the correct codes to my insurance company. However, the didn't carry through on their word because I received a debt collection notice. I called my insurance company and XXXX XXXX XXXX never sent them the correct codes. So my insurance company called the doctor who provided XXXX XXXX XXXX with the medical billing codes ordered and preauthorized and they forwarded it to XXXX XXXX XXXX again, but XXXX XXXX XXXX did not follow through again, leaving me without resolution. Please help me end the debt collection notices from both Americollect XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number XXXX and XXXX XXXX XXXX. Thank you
12/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 295XX	Web
I requested validation not verification of a debt being reported on my XXXX credit report from Americollect in the amount of {$210.00}. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the disclosure to me all of the documents that Americollect Inc.have recorded and retained in their file at the time of my request concerning the accounts that are reported in my credit report. Americollect responded to my request by saying that these accounts have been verified, I specifically asked for validation. Americollect has responded with a bill that does not prove that this debt is mine, nor does it have my signature, nor does it have any proof of a contract that I had with Americollect or the XXXX XXXX XXXX who is listed as the creditor on the response from Americollect. It also has an incorrect DOB for me listed as well. The itemized statements that were sent by Americollect do not even list the same company as the creditor as it is reporting on my credit report. Americollect is not licensed by State of SC. I want this information removed from my credit report immediately.
09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web	Servicemember
Im issuing this complaint due to a violation of my HIPAA rights. I do not have a debt with this company. Ive repeatedly requested debt validation from this company. I will forward my last letter sent to Americollect via certified mail, where I requested : 1. Proof of Americollect right to own or collect this debt. 2. Balance owed including all fees, interest, and penalties. 3. Contract bearing my PERSONAL SIGNATURE. You will notice that Americollect sent a response that failed to address the three requirements federal law states must be provided to validate and authorize ALL CREDIT DEBT! Unfortunately Americollect has failed to provide me with ANY of the information I requested and is REQUIRED by law to provide. By law Im utilizing the Estoppel by Silence defense in that Americollect has chosen to remain silent by not providing information federal law states Must be provided in order to validate ALL CREDIT DEBT! The ONLY applicable remedy is for this debt to be IMMEDIATELY removed from my credit report. Americollect is unauthorized to own, collect, or report this or ANY DEBT concerning XXXX XXXX.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32068	Web
I have submitted multiple requests to XXXX about a collection account on my credit report. I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking XXXX to investigate an account. XXXX 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report Number XXXX. I originally asked for a description of your procedures on XX/XX/2022 and XXXX failed to respond with the information that I have originally requested. At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. XXXX has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. I have also expressed to XXXX that the Americollect account is not valid and is in violation of my XXXX rights. I never signed and authorized a XXXX release form for them to have my personal medical information and yet they do.
06/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ XXXXX	Web
On XX/XX/2021 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Americollect Inc. '' The company received my letter on XX/XX/2021 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19144	Web
I filed a dispute against Americollect for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it ) that you have on file and I also requested Ameicollect to Provide a copy of my signature with the provider of service to release my medical information to Americollect. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/2021. The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is XXXX.
05/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33319	Web
THIS COMPANY IS ASSISTING IN FRAUD. sent company documents attached as a response The Company did send me a itemized letter that was not a VALID PROOF OF DEBT OF VALIDATION and VERIFICATION... .I was SENT A BILL WHICH IS NOT LAWFUL TO THE FCRA. THE COMPANY COMPLETELY LIED WITH FASLE STATEMENT OF MY ADDRESS NOT BEING DELIEVERABLE BECAUSE I HAVE A LETTER FROM COMPANY on XX/XX/2022 of a BILL NOT Wet ink Signature Proofing debt and I recieved a BILL that violates my HIPPA RIGHTS. I WANT REMOVED IMMEDIATELY OR LEGAL ACTIONS WILL BE TAKEN. CURRENTLY BECAUSE YOUR COMPANY CONTINUE TO REPORT FALSE DEBT WITHOUT PROOFING AUTHORIZATION OF DEBT ALONG WITH VIOLATING OF MY HIPPA PRIVACY RIGHTS, YOUR COMPANY IS CURRENTLY ASSISTING AND ABIDDING IN FRAUDULENT ACTIVITES AGAINST MY CHARACTER/ AND MY CREDIT REPORT AFTER PROOFING AND SENDING DOCS ATTACHED STATED VICTIM OF IDENTITY FRAUD WITH POLICE REPORT STILL COMPANY TRIES TO PROVE LAWFUL TO OBTAIN FALSE FRAUDULENT DEBT EVEN WHEN VIOLATING MY HIPPA RIGHTS AND NO PROOF OF WET SIGNATURE JUST BILL THAT ANYONE CAN DO FRAUD IN MY NAME TO GET.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64093	Web
As of XX/XX/2022 Americollect Collections added to my credit report 4 collections in the amount of XXXX, XXXX, XXXX, and XXXX also, on XX/XX/2022 add one more collection in the amount of XXXX for a total of 5 collections. These collections have been added to all three of the credit bureaus. They have tried to reach me by phone several times after I asked them not to contact me any longer. This consumer agency has violated several laws 15 U.S.C. 1681 Section 602 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 Section 604 A ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1692 Section C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
12/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78130	Web
Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you
10/23/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NH 030XX	Web
I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and Americollect, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and XXXX. I disputed with each bureau. XXXX immediately removed it from my credit report but XXXX denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. XXXX admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.
09/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web
I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX XXXX XXXX, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from AMERICOLLECT ( original creditor is XXXX XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act.
10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32065	Web
I contacted Americollect over a week ago about a debt that popped up on my credit. I was told it was medical bills for my daughter. I explained to them that I was not aware of the debt and was not given the proper letter of notification to offer a dispute. I explained to the rep that I am not the responsible party for this debt it is her mother per the court order. The rep advised she will get this closed out on her end and have the credit updated accordingly. I called back in today and spoke with a rep who gave me totally contradicting information. I requested a member of the management team. A supervisor by the name of XXXX took the call. XXXX was not engaged in the conversation and was not trying to understand my concern. She was more focused on my attorney than my concern that I called in to discuss. I asked to speak to her manager she placed me on hold and then hung up. The negligence and reckless reporting by this company has negatively impacted my credit. If they do not fix this voluntarily I will not hesitate with legal action against Americollect.
05/29/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WI 53220	Web
So I was in a car accident in XXXX and went to the ER. I never received a bill from the hospital and assumed my insurance had covered it. I even called the hospital after not hearing anything and they could not find I owed anything. Come XX/XX/XXXX and I start getting letters in the mail from lawyers trying to get me to hire them for my lawsuit. Um what??? I had to look at my states court system just to find out I was being sued. I XXXX the company and called right away. They say I owe XXXX and I panic and pay. 1. They tell me it's still a judgement. They then inform me that I owe another XXXX! and they will sue me for that as well. I have no idea what that XXXX was even for. I never received anything. They then told me to pay like XXXX biweekly which is impossible. When I said that they attempted to make me promise to pay with a tax return I did not even get. I felt very pressured and uncomfortable. Now the harassing phone calls and emails begin. I DO not thing I should have to pay this. I didn't even know! and they used really harmful tactics.
10/26/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI XXXXX	Web
I had a payment plan which was being upheld with XXXX XXXX who decided to turn this over to Americollect Inc-a collection agency. XXXX is notorious for doing so without notifying the customer or having a reason as they don't like debts to stay on their books. I called Americollect on XXXX and told them the story and asked for them to send back to XXXX and they refused..all business to them, but untrue and damaging to my credit. I am now paying Americollect as agreed. I was told that the account will go to the credit bureau even if I am paying and I asked how to avoid this unless I missed a payment. I was told they could not work with me on this. On XXXX, I contacted them again and asked for this to not go to the credit bureau and XXXX told me she was going to send a credit bureau form to request removal once this does go on ; at that point they would approve it and take it off. The form was supposed to be her within a week and I have not received it nor do it seem like I will. This agency is not trying to work in good faith at all.
01/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 490XX	Web
First call I received XX/XX/23 from Americollect they said I had a XXXX debt. I told them I dont have any outstanding debts and I havent received anything in the mail. XXXX told me oh you probably havent received it yet. She told me if I gave her my birth date she could look it up. I told her no thank you and that I thought it was a scam that I was not giving them any of my personal information. I then checked my credit report and discovered that Americollect had did a soft inquiry on my credit report, there was nothing sent to collections. Second call was XX/XX/23 I still have no idea what the debt is for. they still would not give me any information until I provided my full birthdate. I once again told them XXXX not giving out that kind of information and that they have XXXX days from the day they first contacted me to send me a verification letter, which I have yet to receive. I was told XXXX was sent out I have not received anything. I also asked them to stop contacting me that I have no outstanding debt and this is harassment.
04/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53713	Web
I was homeless during XX/XX/2014. During this time, I was caught in freezing rain and went into a police station as it was the only nearby public building and I was near XXXX. I was unable to think or communicate clearly, and requested a cup of coffee and a place to sit. They called the local XXXX, which were connected to the building. They took 45 minutes to arrive, and upon arrival told me that I was not XXXX and needed no assistance and left. A few months later, I received a letter stating there was a {$200.00} bill sent to collections ( Americollect ). The bill detailed the XXXX 's arrival as being {$190.00}, and their use of a pair of disposable gloves as {$5.00}. I contacted the collection agency and disputed the claim, but it remains on my account and I continue to be contacted by them regarding this collection. This is an unfair charge, as this was both against my wishes and an unreasonable charge. This has affected my credit score for years, and the collection agency Americollect refuses to negotiate this in any form.
11/26/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32225	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. Americollect Inc. XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
11/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
02/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77469	Web
Around early FXX/XX/2018 I requested statements from the creditor to validate the debt which is inaccurately being reported and adversely effecting my credit score. You notified me that 1.your agent XXXX didn't misrepresent herself and It was a misunderstanding and that you would 2. Mail the statements I requested in 5-7 days. Well I have received theses statements On XX/XX/XXXX and attached copies for all to see the careless work you do. Yeah maybe it was just a misunderstanding or worse, maybe you just don't care and it doesn't matter. You didn't provide any evidence of the original signature to validate the debt, no one nothing no name address or phone number, in fact the second sheet of paper could have been pulled from a trash bin. You sent XXXX XXXX a XXXX old resident from Wisconsin medical record of some sort. How do you make a mistake like that? I'm not going to exhaust any more time with communicating with you all. Please do not call me or I will consider it harassment. Send all correspondence by mail.
04/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 449XX	Web
XXXX I have a a unverified account from AMERICOLLECT. I had previously disputed this account. I have never done business with AMERICOLLECT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMERICOLLECT Provide verification of the following : 1. ) The original Application or contract ; or a Original contract agreement 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMERICOLLECT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
10/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75134	Web
I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.
09/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63135	Web
XXXX XXXX XXXX XXXX {$150.00} Ammericollect : {$100.00} {$68.00} ; {$100.00} ; {$53.00} I sent a letter to the collection agencies XX/XX/2019, requesting for the debt to be validated, as well as reminding them of the HIPAA law, advising my permission was never given to the Healthcare providers to release my information to a third party. The debt was NEVER validated, nor was a response provided within 45 days provided by FCRA guidelines, that was outlined in the letter as well. XX/XX/2019, I sent a letter to all 3 major credit bureaus, XXXX, XXXX, XXXX disputing the accounts, providing attachment sent to collection agencies, also asking for proper investigation and proof of verification and what company verified it. XXXX investigated and removed the accounts. XXXX and XXXX advised accounts being verified without any additional information on who verified it or how. I am aware of the Freedom of Information Act, which isn't being upheld from Credit Bureaus, nor collection agencies. Please REMOVE accounts!
11/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39452	Web
I noticed a debt charge off from a company called Americollect on my credit. I contacted the company via chat. They are giving the name of a XXXX XXXX I am unaware of. They also could not verify my social, only my date of birth. Despite having the address listed on my insurance the letters were sent to an XXXX XXXX address that was not provided by the Americollect employee. I have received no calls, or no letters regarding the debt. I have lived at my current address for 4 years, my insurance is billed using my current address which is XXXX XXXX XXXX XXXX. My dad lives on XXXX XXXX and has the same name as me. Simply verifying my date if birth is not adequate. My father 's credit report has often times been crossed with mine. Americollect did not give me notice of the debt, my dad has not received a letter and we have received no calls. Furthermore ONE letter isn't enough notice to dispute or pay a XXXX dollar debt before reporting it to my credit. I can find no balance owed on my insurance as well.
07/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29341	Web
XXXX mailed certified letter to AmeriCollect requesting debt verification and all information requested in letter be sent, if available ( attached ). XXXX - AmeriCollect responded with original creditor 's bill and over half of information requested not available. Also, my legal name on their files are incorrect. XXXX - collection REMOVED from all credit reports. during this time and XXXX collection account was placed back on all reports. XXXX mailed another certified letter requesting complete documentation for a second time. All information requested in yellow was not provided the first time. This letter was received on XXXX at XXXX and I received a voicemail from them the same day at XXXX. ( ALL information attached ) XXXX I received a letter stating that my request was " frivolous and irrelevant. '' I have disputed this because they can not provide requested information and my name listed on the bills are not my legal name. They also continue to call daily, sometime twice a day or more.
09/01/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77706	Web
On XX/XX/2023 while checking my consumer report i noticed stated company furnished the account. On XX/XX/2023 we sent a affidavit of truth, notice of removal and cease and desist. I have attached all correspondence in this complaint. This company is violating 15 usc 1681g resulting in fraud and identity theft. While using extortion means to collect a debt that is not owed which is a crime. This company has failed to provide me that it acted with lawfully authority when they obtained and shared my information to consumer reporting agencies. They have also violated a host of consumer laws in which I have attached on the complaint as well. I have also attached a invoice. Pursuant to 15 usc 1692k for failure to comply with the provisions of these supchapter laws. I do not have any dealings with this company and they are causing me mental and financial stress. We've asked this information be removed and invoices be paid and if they do not cease communication a lawsuit will be commenced against them.
11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 731XX	Web
I disputed all 3 in XX/XX/2022, if I am correct. AMERICOLLECT Last reported XX/XX/2022 {$1300.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$500.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) A new federal law, the No Surprises Act, protects you from : emergency out-of-network medical bills including air ambulances, and non-emergency services at an in-network facility. It applies to self-insured health plans offered by employers as well as health insurance companies that offer fully insured individual and group plans. A facility ( such as a hospital or freestanding emergency room ( ER ) ) or a provider ( such as a doctor ) may not bill you more than your in-network cost sharing amount for emergency services, without requiring prior authorization.
05/31/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
03/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ND 58801	Web
There is a debt for {$3600.00} on my credit report coming from the debt collection agency Americollect Inc. I sent Americollect, Inc a debt validation letter on XX/XX/2022 to verify the debt that was appearing on my credit report. Today ( XX/XX/2022 ) I opened up my mailbox and opened up the return letter that I received from them ( that was sent XX/XX/2022 ). In the letter that they sent me there was the hospital charges bill that had procedure codes, procedure description, and personal medical information. I know my rights and I know that this is against HIPAA violations to do so. I specifically asked for the validation of the debt and not my hospital charges/charge descriptions/info that is against my HIPAA rights. Initially, in my debt validation letter I had asked to just have the debt cleared from my credit report. I'd still like to have the debt irradicated and if Americollect Inc can't clear it, then I will have to take legal action for having my HIPAA rights violated. Thank you.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64093	Web
Again, Americollect Collections of XX/XX/2022 added to my credit report 5 collections in the amount of XXXX, XXXX, XXXX, XXXX and XXXX. These collections have been added to all three of the credit bureaus. They have tried again to reach me by phone several times after which I asked them not to contact me any longer. This consumer agency has violated several laws 15 U.S.C. 1681 Section 602 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 Section 604 A ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1692 Section C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
03/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53703	Web	Servicemember
Americollect had been calling me repeatedly over the course of several months sometimes more than once a day while I was trying to sort out the {$990.00} dollar debt out with my insurance company without any written notification. Finally, I tried to get the debt validated as I have still yet to see an itemized bill from Americollect or the debtor 's XXXX XXXX XXXX. I sent this validation letter over certified mail on XX/XX/22. On XX/XX/22 I received a letter back that stated nothing but thee {$990.00} balance and the debtors, information that I had gone to them with to get validated. On XX/XX/22 I sent a failure to validate letter over certified mail and they replied on XX/XX/22 stating that my dispute was " firvilious and irrelevant ''. It has been years with this outstanding bill and I have still been unable to get it validated by a debt collector that called my off the hook for months on end while I tried to get my medical bills sorted out as a student struggling during the pandemic.
01/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 530XX	Web
To whom it may concern : Americollect has been a long term collection agency that holds several medical negative accounts on my credit report. They have issued a judgement that had been documented with the clerk of courts, however they wish to garnish my wages from a company entity that I do not work for. In addition, I have attempted to pay my lowest amount by providing payment as well as filing number. I wish to see confirmed invoices and amounts due to the original creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) being under investigation for inaccurate billing procedures and duplicate invoices. If americollect purchased said invocies from these original creditors I wish to have all unpaid or delinqant accounts formally verified and documented via written disclosure in case of further dispute efforts. I will copy this complaint and mail to americollect for communication purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX
05/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web
Sent a Request for Validation and Verification on XX/XX/2022 and I want it to be known and Resolved Asap!! immediately!!!. Americollect has account on my credit that is not mine/inaccurate/fraud. Company has Been posting Double Jeopardy onto my Credit report and has not sent me any legal or any documents validating and/ or verifying with my WET INK signature that i owe this date, i am the person behind this debt, or this is not a debt that was not committed fraudulently without my WET INK signature was giving a BILL as VALIDATION that violate my HIPPA PRIVACY RIGHTS.I WILL ATTACH DOCUEMNTS PROVING THIS IS A VIOLATION OF MY HIPPA RIGHTS AND NOT SATISFACTION FOR VALIDATION OF DEBT WITHOUT MY WET INK SIGNATURE BUT JUST A BILL. ALONG WILL BE ATTACHED MY CREDIT REPORT AND MY IDENTITY THEFT REPORT WITH ALL OF THE REPORTING VIOLATIONS MADE ON MY ACCOUNT AS WELL SO I WILL MOST DEFIENTLY WANT ALL THE ACCOUNTS DELETED IMMEDIATELY PERTAINING TO YOUR COMPANY AND PRIVATE INFORMATION!!!!!
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31419	Web
XX/XX/20 I wrote a letter to XXXX XXXX for charge off account in the amount of XXXX. I requested under the FDCPA to the creditor to provide me with original signed documents that bares my signature or to remove the said account reporting on my credit that is not mine. They failed to do so and responded stating that it belongs to me with nothing to back it up. I sent a dispute exercising my right according to FCRA to XXXX and XXXX and both also refused to delete unverified accounts and ignored my request to reinvestigate that the accounts were being reported fraudulently since they failed to actually do a actual investigation. When I asked for documents used and the procedure that states that those said accounts were in fact accurate my request was denied, ignored and I was told that because a investigation was initially done they dont have to nor will they conduct another one. How is this even legal how can the credit bureaus get away with not following the law guide lines?
10/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89014	Web
I applied and was granted a financial assistance/ payment assistance after evaluation of my taxes and pay stub by XXXX XXXX XXXX XXXX XXXX I have a XXXX balance screen shot given by XXXX XXXX from XXXX XXXX XXXX XXXX financial Department given XX/XX/XXXX I have a XXXX balance statement and sent cerify mail for them to validate my financial and legal obligation and also nor AMERICOLLECT OR XXXX XXXX XXXX XXXX have not responded to that. Acct # XXXX Date of service XX/XX/XXXX Account # XXXX emergency services ( wiht no date of service printed on the bill ). Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of service XX/XX/XXXX. And XX/XX/XXXX Including any related accounts and bill that may not be included on this letter under my name XXXX XXXX and SS ending on XXXX. This Is the third communication sent to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. And AMERICOLLECT from XXXX XXXX XXXX XXXX.
10/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Web
When the original debtor XXXX XXXX XXXX had this account I couldnt even get in touch with anyone in that office to pay it off. This was before they even had the online payment thing going. Then it was transfered to a collection agency which I did contact as soon as I received notice and I offered to pay it off but could only pay half and I remember I was refused at that time. I haven't even received anything from this company in 2 years and they still hijack my credit and somehow seem to report it but they dont and have not been sending me any kind of paper mail on this matter. This collection agency is not applying to the laws of notification of debt therefore they have broken the law. Amount of debt : {$280.00} Americollect XXXX XXXX. XXXX XXXX XXXX WI XXXX 2 years I have not received anything anf yes I have disputed this and still didntnr eceive anything. It appears as though they just decided to let my credit suffer. I offered to pay half off and was refused.
09/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53711	Web	Older American
My real complaint is regarding communication but no correct option to check as there was NO communication at all from either XXXX XXXX or Americollect. The only way I found out about the debt collection was an email from my credit monitor once I was already in collection. I participate in a XXXX XXXX program that posts statements online and allows XXXX to communicate directly with me without mail or phone but XXXX provided no communication. Although XXXX received XXXX payments since XXXX, 2016, XXXX was the last statement posted online so I could not see payments applied and XXXX accepted payments after they put me in collections. There is no debt and payment to Americollect would constitute duplicate payment. I have repeatedly requested a document from XXXX showing all payments, at what point I went into collections, and why I was put in collections. Still waiting ; not provided and they could have posted this immediately online if they had been willing to.
09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28152	Web
Americollect, Inc are reporting two alleged debts to My Consumer Report and also are in violation of 15 USC 1692c ( a ) ; communication without prior consent. 15 USC 1692e ; using false deceptive or misleading representation and also in violation of 15 USC 1681 ( a ) ( 2 ) must have written instructions of the consumer to whom it relates I have disputed the items with the company I've sent in several letters and upon them calling me to ask me about the debts no letter was responded too. This is also identity theft by obtaining personal information without prior consent in creating an account in my name without my knowledge I understand 18 u.s.c. 894 will also be violated once a police report is filed and it's already been stated to them that they are in violation of these other codes and nothing has been done I'd also like to point out according to the nmls consumer access website they aren't legally allowed to do business in the state of North Carolina
06/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
This company continues to act in bad faith. They said they would dispute the account and did not, in fact they reapplied it to my credit versus disputing. They said I would receive something in the mail I have not recieved anything. This company continues to provide false responses and reports to my credit without my knowledge and when I found out they reported without my knowledge I have suffered great finicial loses and opportunties that I can not rebound from. Keep sending the same information over and over, but it is all false resolutions. They are just telling the CFPB whatever they can versus assuming responsibilty for their actions. I should not have to provide them anything, since they have a supposed right to destroy American citizens credit and livlihood through the credit bureas they also have the ability to view them and see. Once again, false repsones. This is an agency that is making false results and continueing to operate in bad faith.
12/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web
I never received a letter from Americollect regarding the debt that they are reporting on my credit report. This debt was removed in 2016 and has been reinserted without me being notified in writing. The debt has never been validated. Americollect does not have a contract nor have they sent me a contract baring my signature binding me to their debt that they are illegally reporting on my credit report! This is a violation of the FCRA. The original creditor is XXXX XXXX XXXX. I have never received a debt validation letter from Americollect. I have not received a signed contract between Americollect and XXXX XXXX XXXX that grants Americollect to collect on this debt. Verification that this debt was sold or assigned to a debt collector. In US law encyclopedia the America jurisprudence 73 an Jur 2d Sections 90-93 it says that one can not subrogate onto a contract that they were not originally on and did not have any interest to protect and claim successor.
10/17/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32246	Web
After reviewing my credit reports from all three credit bureaus, XXXX, XXXX, and XXXX ... This collection account from AMERICOLLECT for the balance of {$450.00} was placed on my credit reports, and is reported twice on each of my credit reports without my authorization. I requested through certified mail to AMERICOLLECT copies of documentation that were used to verify the accuracy of these accounts. Under the Fair Credit Reporting Act 15 U.S.C. I have all the rights for this agency to disclose to me all the documentation that was recorded and retained in the files. I have not received no answer or anything in writing. I have been receiving harassing phone calls daily threatening to damage my reputation and credit worthiness, with these unverified accounts and distributing them to 3rd parties. These inquires add a hardship, and violates my legal rights and protections. Please help assist me with allowing this collection agency to stop victimizing me.
06/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32003	Web
Trying to clean up my credit I paid a past bill to Americollect XX/XX/XXXX.After they got all my information they stated I had another bill of {$750.00}. I immediately call the original creditor which had no records of the so called bill/amount. I called Americollect back and I relate what I was told I then asked what date was the so called service I was told XX/XX/XXXX. I filed bankruptcy XX/XX/XXXX and all bills were discharged XX/XX/XXXX. I told them that. I was given the email address to send proof of the bk XXXX discharge and I did. On XX/XX/XXXX an alert from XXXX The XXXX Americollect put that {$750.00} on my credit. Hence I called them and spoke to the supposedly head XXXX who said that bill was after I filed bankruptcy and that bill wasnt on the list. I am quite sure that was apart of the bankruptcy, her lies and tricks didnt move me because I intend to fight it. She should be ashamed of herself. This is why I need this to be investigated.
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 07731	Web
The account referred to the collection after the payment arrangement agreement. Monthly payments paid as agreed {$35.00} monthly. The collection agency stated that XXXX XXXX said the agreement had a final payment date if not paid in full by that date report to the collection company. I made payments monthly as with Americollect but the representative stated that with the date they had to report it to all the credit report companies which as effective my score by XXXX points. I have all exceptional on my report and now this referral has hurt my perfect scores. I paid the account off in full with Americollect this morning XX/XX/2021 and another account that was recently added to Americollect without even been notified so I paid that account off as well in full. I want this removed from the collection agencies and my score reinstated. XXXX XXXX should be investigated on how the Fair Debt Law applies to consumers/ customers especially sick patients.
01/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 314XX	Web
I sent a letter to XXXX XXXX. Requesting that they VALIDATE not Verify a debt that they are attempting to collect from me. I specifically asked for a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been VALIDATED by me. They provided me with a billing statement which does not prove that I am obligated to pay them anything. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no known relationship with XXXX XXXX. I am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
03/01/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 178XX	Web
I have been working on getting my credit score back to par for years and finally this year I have been able to make a pretty big stride. I had three medical transactions/bills that weren't paid off when my State Medicaid insurance went into effect, so I placed a dispute with XXXX and the debt collector realized since I was a Medicaid recipient , that the bills should have been taken care of. Then about a month later this charge for a medical bill owed from back in 2019 surfaced as a debt. It totals around {$53.00}, and should have also been paid and taken care of by Medicaid, however through two disputes, they refuse to drop the debt. I never received a bill from this " said '' debt collector, a phone call or an email. To my knowledge, it didn't exist. They have not tried contacting me, nor have before, and they have had access to my current address/phone number/ email, plus I provided my up to date State Medicaid card in the last dispute.
09/30/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53218	Web
Someone claiming to be calling from Americollect keeps calling my job asking to speak with me, and leaving me voicemail messages regarding a medical debt. They have been calling several times a week for at least the past year ( XXXX - XXXX ). I have contacted them in the past and asked for an itemized bill regarding the debt they claim I owe. They told me how much it is verbally but I have not received the bill to review and possibly dispute. I have asked them not to call my job and to remove any work numbers they have for me including XXXX, XXXX, XXXX and to only contact me via my cell phone number I provided them XXXX. I really don't want to talk to them at this point what I would like is an itemized bill to review to determine if I truly owe the debt they are calling me about, until then I would appreciate if they stop calling me because at this point it is stressing me out. I am a supervisor and my staff are receiving these calls.
09/08/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WI 54601	Web
Below is a transcript of the messages I received, Hi this is XXXX from America debt I'm a debt collector ID number XXXX and this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach me at XXXX or you can chat with me online at America ______ paid com I a.m. in the office Monday through Friday from XXXX XXXX to XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX again I a.m. a debt collector with the mayor _____ at XXXX if I have the wrong number please feel free to give me a call and let me know thank you Ive been contacted on multiple occasions both recently and also about two years ago. I thought the incident back then was a mistake. This is somehow connected to a security breach at a former employer of mine, XXXX XXXX XXXX. Theyre attempting to collect on behalf of a clinic for a pre-employment drug screening and when I mention XXXX they always want to end th call and apologize.
05/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 464XX	Web	Servicemember
hello i sent a letter to a company called AMERICOLLECT as it shows on XXXX XXXX that they say i owe somekind of debt but never responded to my letter to validate the debt i read on the internet they have 30 days to respond that was 2 months ago i even have proof the letter was recieved and signed for i saw on the internet thats a violation of 15 usc 1692 g ( b ) Collector must cease collection efforts until debt is validated, on top that i wrote a letter to all of the credit bureas they verified it anyways they keep furnishing inaccurate information which is causing my blood pressure to raise the account status is open and its a collection account this is clearly not accurate and the date of last activity is showing 3 different dates the laws says the bureas must report 100 percent accurate also google new laws in california tuens out this company is not registered with the ( DFPI ) PURSUANT ( DCLA ) DEBT COLLECTION LICENSING ACT
08/14/2019	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	GA 31558	Web
Americollect is continually reporting an entry on my report that they are unable to validate. On numerous occasions ( see attached ), I have requested debt validation from them and they are yet to provide. In their most recent communication, they provided a mere typewritten statement that was not letterhead. In my most recent communication with Americollect, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until the debt has been validated by me ; to date, to no avail. The mere fabrication of an invoice from them as well as the copy that reflects XXXX is insufficient in justifying that this alleged debt belongs to me. Being that Americollect has nothing to substantiate their erroneous, inaccurate reporting, this entry must be deleted from my credit reports immediately.
07/05/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 62269	Web	Servicemember
My daughter was born on XX/XX/XXXX. I am filing a complaint against XXXX XXXX and Americollect. XXXX XXXX stopped communication in regards to the account/claim from XXXX. I have been in contact with them from date of service until XX/XX/XXXX. They did not contact me by phone or email to tell me they werent going to bill my PRIMARY Insurance nor that they were sending it to collections. Aside from improperly sending it to collections without collecting insurance payment when given accurate group information. They also sent the same bill to Americollect twice! They put 2 hits on my credit report ( XXXX ) and I lost nearly 50 points due to their negligence and unprofessionalism. My primary ( XX/XX/XXXX ) and secondary insurance ( XX/XX/XXXX) should have been billed before anything were sent to a collection agency and I should have been contacted to complete a 3-way call if the claims were denied or difficulties with submitting.
12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77494	Web
I have sent certified dispute letters to Americollect, XXXX, and XXXX with the latest letter being sent on XX/XX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my XXXX and XXXX credit reports. Americollect is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after Americollect, XXXX, and XXXX have claimed to have validated the account. How is that possible? After reviewing my XXXX credit report it shows that Americollect is reporting a Date of Last Activity on XX/XX/2020. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to re-age an account. I am requesting that Americollect, XXXX, and XXXX be investigated and that the Americollect account be deleted from all of the credit bureaus and from my credit reports.
09/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77521	Web	Servicemember
I am a XXXX XXXX XXXX XXXX XXXX and have full insurance through the dept of Veteran Affairs. This company by the name of " Americollect '' has placed a collection on my report in the amount of {$690.00} for a debt saying it is from XXXX XXXX XXXX. As a XXXX XXXX XXXX Veteran, the main benefit that I receive is health care. This company has not billed nor validated that the debt is truly owed. All bills in my name are to be forwarded to the XXXX VA XXXX Hospital, with my social as the reference number. This is terrible that this company would try to collect on an invalid medical bill debt from a XXXX Veteran with insurance. Anytime I have ever been treated outside of the XXXX VA, it has been for a service connected XXXX. I am not sure it is legal for this company to add their interest to a debt owed either. The military lending act and SCRA state a cap on added interest rates. The entire entry on my credit report is invalid.
01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 297XX	Web
Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.
02/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 335XX	Web
Typical deceitful bill collector. Collector told me if I set up a payment plan, would not be reported to CRA and If I don't they will hurt my credit. Also, I contact the XXXX XXXX XXXX XXXX XXXX and they have NO records of any payment due since my Insurance covered and pay all my medical expenses. They admitted their mistake and said they will send an email to americollect to retroactively fix the issue. I asked americollect to contact XXXX XXXX XXXX XXXX XXXX and they refuse to do so saying they do not contact their client. This is unfair and illegal to not rectify an issue after proof is given. Threatening me to ruin my credit over a debt That I DO NOT OWE. I seek advice from XXXX XXXX who advices me to call in which I did as stated above to the phone number ( XXXX ) XXXX and I also conducted an investigation in which according to CFBP Americollect stands at a whopping complaint rating # 182 of 2,458 companies.
11/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11692	Web
On Thursday XX/XX/XXXX a collection account was reported to my credit reports by your company, Americollect to all three credit bureaus in the amount of {$65.00}. The date opened is listed as XX/XX/XXXX. The notification of the negative item from my credit monitoring company is the first time I received notice of this alleged debt. This means that Americollect is attempting to collect a debt in violation of FDCPA by failing to provide a written debt validation letter with a clear notification of what the debt is and failing to notify me in writing of my rights to dispute this debt. Essentially robbing me on my right to have this debt verified. The FDCPA regulates abusive practices by debt collectors. As such, by operating in violation of FDCPA Americollect is subjecting me to abusive practices by willfully negatively affecting my credit rating and not allowing me access to information about this debt.
10/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 397XX	Web
This is a letter that I just sent Americollect. I am enclosing all of the attachments that shows the bills and the other correspondence. Americollect, I am enclosing all of the attachments that You requested.I called the other day to pay a {$160.00} and a {$150.00} bill that is showing up on my credit reports. I agreed to pay it because the dates of service are different from the dates of service that I have charity for. I am enclosing these charity letters.The girl that I talked to on the phone took a payment of {$310.00} over the phone. What I did not know is that she did not include the {$160.00} on this payment, but switched it to the other small bills, that I have charity for. I want the right bill ( {$160.00} ) credited, and I want both of these bills that I paid taken off of my credit reports.I also want you to review my charity letters, and close my file.Sincerely, XXXX XXXX XXXX
09/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 541XX	Web	Servicemember
I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal.
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80923	Web
XX/XX/2017 my son was taken to the XXXX XXXX In XXXX XXXX, XXXX. They made me take him in an ambulance to another one which wasnt necessary ( he has a XXXX disorder and always has XXXX XXXX XXXX ) both ERs accepted his out of state XXXX XXXX ( we were visiting family in XXXX ) he has XXXX medicaid because we reside and have resided in XXXX for years. They accepted his XXXX and didnt state there was an issue. XXXX 100 percent stated they would pay the bill. They are reporting it to collections and XXXX refuses to remove the collections which has been detrimental to my credit score for years, even though it is against federal law to bill a XXXX patient for cash. They have to submit it to XXXX to be paid. I have reached out to them on numerous occasions. And the bill is still detrimental to my score and they are not removing both bills even after verification of XXXX like they asked for.
08/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02072	Web	Older American
They keep calling me, and left this message Im Hi this is XXXX from XXXX XXXX I'm a debt collector ID number XXXX this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach us at XXXX or chat with us online at XXXX XXXX paid COM Monday through Friday XXXX XXXX to XXXX XXXX Saturday XXXX XXXX to XXXX XXXX central time you can also use our secure payment portal at any time XXXX again I'm a debt collector with XXXX XXXX and can be reached at XXXX if we have the wrong number please give us a call and let us know thank you I called back and told them I owe no money to no one, they told me they were looking for a XXXX, I told them I dont know a XXXX and have had this number for a number of years, now thy just called me again looking for a XXXX XXXX I also reported the call to the do no call registry. Please stop these predators. Thanks
02/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33183	Web
I previously filed a complaint against AMERICOLLECT, requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. At this time I will inform you that if your offices continue to report invalidated information to any of the XXXXhree major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark 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. 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.
11/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 314XX	Web
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. { Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
12/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 460XX	Web
Unknown to me A company named Americollect asumed an account from XXXX Hospital which I was disputing with them without much success. Americollect never sent me any information that they had taken over the account in XX/XX/2019. I became aware of this in XXXX when it showed up on my credit bureaus. I called them telling them I believed the charges were fraudulent. They sent me a form to fill out and they said they would investigate and also send me a detailed list of charges. I received a letter XX/XX/XXXX in which they just said that they had confirmed that I was the owner of the account. No list of charges, no explanation. I communicated with them today, and was basically told to pay up. I will pay what I feel is legitimate, but they will not work with me about these fraudulent charges. I will give an example, there are numerous charges called XXXX. There was never any XXXX at all
05/23/2020	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	FL 32208	Web
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They have " picked and chose '' which credit bureaus to remove accounts. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally. This erroneous and negative information has prevented me from refinancing my home, purchasing a new home, and purchasing a family car at affordable rates.
11/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 622XX	Web
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ; Americollect in the amount of XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please provide me with the contract with my WET INK signature stating that I am legally bound to pay YOU. Please do not send me an alleged bill/statement from another company for this is considered identity theft you have recieved my information without unknowingly to me without MY knowledege or approval.
07/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77064	Web	Servicemember
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. I received a letter listing items that are supposedly owed to another company. I then mailed a second verification letter, ( signed and received on XX/XX/XXXX ), asking them to prove to me : 1. How this is proven to be mine? and 2. How do i owe Americollect? I received a second letter from them stating my request was " frivolous and irrelevant. '' I have given well over the original 30 days to respond with validation of their claims with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
02/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31313	Web
I have attempted to contact this company multiple times regarding a debt that they are reporting to my credit. I have not even the slightest clue what the debt is and when I request validation, they just send me a print out of some bill that does not even describe the debt. Honestly, how many people can just say you owe something, don't provide proof, and expect you to pay. How are they doing this and to how many people thus far. The very last time, they sent me a letter in the mail attached stating that my claim was frivolous and they refuse to investigate any further. They did not provide me with anything I requested and simply stated that they sent verification and validation to the credit bureaus. If they refuse the investigate, they should not be allowed to continue reporting this harmful information to my credit reports. The received communication from them XX/XX/2021.
12/12/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI XXXXX	Web
On XX/XX/2023, Americollect said, " Americollect believes that its information is accurate. '' I know that the information provided by Americollect is inaccurate. The addresses are inaccurate, I did not receive medical attention in XXXX, Wisconsin. Furthermore, the debt amount that Americollect seeks is inaccurate. Enclosed is the documents showing discrepancies. Americollect sent an itemize statement with a total balance due {$1500.00}. XXXX XXXX shows the total amount of {$1300.00}. The account number is XXXX. It seems as Americollect added interest to a medical bill. The other medical debt that Americollect reported is inaccurate as well. The Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from people, including : Misrepresenting the nature of the debt, including the amount owed.
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
09/21/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 53210	Web
On Monday XXXX/XXXX/XXXX a very rude lady called me and refused to identify herself or the company from which she was calling from. I told her that since she refused to identify herself then she was to cease and desist from calling forever. She then hung up on me. Later that evening another lady called ( XXXX XXXX ) to which I asked to speak to her manager. She went on to blurt out information about a debt she claims I owe with out confirming I was the person she was looking for. I demanded to talk to a manager. I got XXXX # XXXX who refused her full name. I told her that I requested no more calls from this agency and she was very rude and claimed I never told them that earlier that day. I advised her this was a cell phone she was calling with out permission and ended call. I continue to get multiple calls from this agency daily. Phone numbers are below : XXXX.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 309XX	Web
I filed a dispute with XXXX and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : Americollect Collections-Date Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
07/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 530XX	Web
I have been receiving various bills from Americollect representing various hospitals in Wisconsin and enough is now enough. I do not attend these hosptials and the most recent one is from XXXX XXXX XXXX Hospital for XXXX. Several years now Americollect has been doing this and ive been blindly paying amounts that I do not owe in fear of my credit report. I have contacted Americollect about these debts that are not mine and the recorded phone calls have ended up in the operator saying they are not sure how to handle fraud, and me being hung up on. This is a serious and extremely crippling financial scam that I now need to spend more money for an Attorney to fight this company ( s ). When does it end? When will they stop? I do not go to these hospitals, XXXX XXXX XXXX has been the major culprit. Please some one has to know something on how to stop these people.
08/25/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19061	Web	Servicemember
I have asked the collectors from Americollect Inc, numerous times to please cease with the constant harassing telephone calls. I am a decorated veteran that had a XXXX in 2019 and spent 5 days in the hospital. I went in the hospital with no medical insurance. Various doctors came to see me sent me bills. While in the hospital I applied for XXXX insurance and was accepted. Lately I have been receiving calls from Americollect for 5 different bills from these doctors. They will not or can not use my XXXX insurance to cover these bills. I'm on a poverty level income and now taking medication for my XXXX condition. These calls are contributing to my XXXX.This company is disrespectful and abusive with their incessant calling. I've asked for these bills to be removed by Americollect due to my circumstances. They need to sanctioned for their actions.
10/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29615	Web
Americollect Inc reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Americollect Inc received my personal medical information. I have not agreed to do any business with Americollect Inc, I have not received any goods or services from Americollect Inc, nor am I responsible for their debt collection purchase from their alleged client. Americollect Inc, has flagged my credit before without first proving their account ( s ) belong to me. Each time Americollect Inc failed to validate their debt. Americollect Inc have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Americollect Inc continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.
05/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI XXXXX	Web
On XX/XX/2023 I disputed 4 individual accounts to Americollect which is station in XXXX, WI. and they replied by sending me a bill with my personal health information XX/XX/2023. Simultaneously on XX/XX/2023 I disputed with all 3 Credit Bureaus " XXXX XXXX XXXX XXXX '' and all 3 Credit Bureaus removed account # XXXX On XX/XX/2023 I sent 3 individual validation letters disputing the remaining 3 out of 4 accounts and Americollect responded with a bill from account # XXXX addressed from XXXX, Texas. I was astonished by this because Americollect is based out of XXXX, Wisconsin. Now, the first validation letters came from Americollect out of XXXX Wisconsin. This last letter with the bill inside is from XXXX, Texas. If Americollect couldn't validate account # XXXX from the first validation letter from XX/XX/2023, how can they verify the remaining 3 accounts?
11/08/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IN 461XX	Web	Servicemember
On several dates during the month of XX/XX/XXXX, I received several phone calls throughout the day, XX/XX/XXXX through XX/XX/XXXX several times a day I would receive phone calls from this debt collector telling me that not only will they report me to local law enforcement but are also going to seek a chips order ( child in need of protective services. ) At first they refused to send me a bill, with an insurance breakdown, of the charges. I had 3 insurances at this supposed bill. Which they refused to do, citing some bogus wisconsin law that they can and will have me arrested. I called their bluff. It is now 40 days later and now there threatening me with a civil suit and wage garnishment immediately. Which again is agisnt Wisconsin civil suit laws and the fair reporting credit act. I would like this removed immediately from my report. Thank you
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53210	Web
I sent a letter to AmeriCollect at the beginning of XXXX stating that I need proof that I've released authorization for medical documentation to be released to the credit agencies. This letter that I sent was dated : XXXX regarding debt that is being reported as mine on my credit report. All of the debt that they are reporting is supposed to be from medical debt. Their follow up response was to send me itemized statements of medical bills. This is concerning on many levels. I feel as though they've breached my HIPPA rights and unfortunately, they've potentially exposed medical information to anyone who has access to my CBR. I sent a follow up letter On XXXX and no follow up has been made to resolve obtaining proof and consent that my authorization was given to release medical information to any 3rd parties - including the credit agencies.
02/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DC 20009	Web
I am enrolled in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX coverage. XXXX covers all deductibles, copayments and coinsurance on services covered by XXXX. I have sent all the information needed to Americollect, XXXX XXXX XXXX, XXXX, WI XXXX, phone : XXXX ( my XXXX enrollment information and the information they need to collect payment ) but they keep on sending me a form asking for the same information. This is for a bill of {$45.00} for services rendered by XXXX XXXX XXXX on XX/XX/19 at XXXX XXXX in XXXX XXXX, Florida. I contacted the XXXX XXXX XXXX XXXX billing company on XX/XX/19 with my XXXX information. I contacted them again on XX/XX/19 and I was told to disregard the bill. I then received an invoice from Americollect and sent all the requested information on XX/XX/19. I have since received the same forms in XXXX and XXXX.
11/07/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	GA 31406	Web
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
07/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28092	Web
A debt validation letter sent certified XXXX/XXXX/16 signed for on XXXX/XXXX/16. Americollect sent return ltr on XXXX/XXXX/16 of a name acct # and a balance # and a statement that does not match alleged creditor name or any doc bearing my signature. Americollect did not mark any credit reports disputed within 30 days of signed receipt of my dispute. I sent a XXXX registered ltr to Americollect on XXXX/XXXX/16 and they signed on XXXX/XXXX/16. They responded with a letter stating they, verified, and validated my dispute and my letter now is deemed frivolous or irrelevant and will not be looked into. After 60 days Americollect have not marked disputed on my credit reports no anything with my signature validating that this belongs to me. I have copies of my credit report on both XXXX/XXXX/16 and XXXX/XXXX/16 showing not disputed.
08/07/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 61107	Web
I have told the company numerous times that are being unlawful by trying to collect on this debt yet they are on my credit report and the complaint I filed before their response was they have no record of me but they are on my credit report! I filed this dispute regarding another medical debt that is unlawful to bill for and the debt was removed for my credit, now their response is they don't have any information on me. That is correct this debt is a XXXX XXXX debt whose on XXXX and due to me being his parent is on my credit report. The credit report is as follows : AmeriCollect on behalf of XXXX XXXX XXXX XXXX : {$4300.00} Placed with agency : XXXX Acct Number : XXXX Address : XXXX XXXX XXXX XXXX, WI XXXX And tell me this is not on my credit report, and please do not close this investigation before i have a chance to rebut
03/25/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70802	Web	Older American, Servicemember
I contacted the original creditor XXXX XXXX XXXX XXXX Ph # XXXX, they could not verify the debt ; Additionally, the representative made excuses and attempt to gain information from me in reference to my physical address rather than using any information they would have on file since their claiming I owe the debt it would be such a record or documentation or proof to this fact in their possession. I provided the name of the debt collector supposedly was hired by XXXX. the company name is Americollect , Inc . and the amount {$71.00} owed Additionally I fax this dispute to XXXX who claimed they did not receive the dispute on XX/XX/22 also they tried to make a new dispute for XX/XX/22 attempting to cover up for their negligence in misplacing the original dispute letter therefore getting around the F.C.R.A. Section 611
03/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT INC. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 314XX	Web
XXXX XXXX {$96.00}? Account was settled with XXXX XXXXXXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
03/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77057	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
09/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 314XX	Web
My Protected Health Information ( PHI ) was disclosed to AMERICOLLECT without my authorization. By disclosing such private information, AMERICOLLECT obtained individually identifiable information about me, my health condition, and private information regarding my treatment. AMERICOLLECT 's unauthorized access to this information is a violation of HIPPA and also a violation of the FCRA as my right to privacy was infringed upon. AMERICOLLECT then used this unauthorized information to harass me by contacting me without my consent via postal mail and via telephone. I received an unconsented call from a ( XXXX ) XXXX number on XX/XX/XXXX at XXXX from XXXX XXXX ID Number XXXX ) stating that she's attempting to collect a debt and requested a call back at XXXX. The FDCPA prohibits such behavior from debt collectors.
03/03/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32221	Web	Servicemember
my son had emergency room service on XXXX/XXXX/16. XXXX agencies billied us, the hospital itself, and XXXX. the hospital submitted a claim to XXXX which was paid. XXXX did not submit their billing to XXXX. i have to buy a new car and saw that i had something on my credit report from Americollect. I called them and they let me know about the second creditor. i contacted XXXX after this and they said that americollect would have to submit the bill to the insurance company. Americollect was not willing to do this and said i needed to set up a payment plan. This should have been done by the original creditor, but it is out of their hands now. Americollect is unwilling to submit the billing to XXXX. This should not be on my credit report and should not be affecting my life the way that it is. Please do something!!
08/26/2015	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	LA 701XX	Web
XXXX XXXX XXXX XXXX never sent me a bill for a ER visit that occurred on XXXX. Yesterday, out of the blue, I received a letter from Americollect for {$78.00} that went to collections from XXXX. Yesterday, immediately after receiving a collections notice, I faxed and emailed both Americollect and XXXX XXXX XXXX XXXX requesting for debt validation. I have also filed a complaint with the XXXX and the Louisiana General Attorney for XXXX practices. Today, at XXXX, I received a phone call and voicemail from Americollect . I know that it is illegal for collections agencies to call outside certain hours. Furthermore, I have already contacted them in writing, both by email and fax, that I would like debt validation and also notified them that I am in the process of filing a complaint against the original creditor.
01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55421	Web
Americollect is on my credit report saying I owe {$1000.00} to them. I asked them to provide debt validation and they cant. The only thing they provided was a statement/bill. I got in contact with the original credit which was XXXX. XXXX stated I didnt owe them any money, further more they didnt even have me in their system. I sent a copy to Americollect and they then stated its for XXXX who supposedly is my son. That is not my kid! From my knowledge if I owe them a bill they supposed to send me debt validation not a statement/bill. I should received a contract thats between Americollect and I saying I owe them money with my signature saying I agree to pay them. I will like for them to remove that collection off my report asap since thats not my bill and they cant provide me with any type of debt validation.
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 640XX	Web
I have a total of four different accounts in collections on my credit report from Americollect with the first dating back to XXXX of XXXX. I have never really bothered with my credit so I had no idea until I went to get a credit card and was denied or approved for only prepaid. I have disputed all 4 accounts from Americollect because I have always been covered with health insurance. XXXX XXXX, XXXX ( {$240.00} ) XXXX XXXX, XXXX ( {$560.00} ) XX/XX/XXXX ( {$2500.00} ) XXXX XXXX, XXXX ( {$2800.00} ) ALL ACCOUNTS WERE VERIFIED AS PAID IN FULL BY MY INSURANCE, Yet Americollect has yet to respond to my voicemails or emails ( XXXX XXXX, XXXX last attempt to get in contact with them ) OR remove these accounts from my report! It is unfair they ever reported these and they have only had negative impacts for myself.
03/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29730	Web
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
10/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10026	Web
In XX/XX/XXXX, I called Americollect after seeing an email notice that my credit score went down because of a debt collection. I was shocked because I was not aware of any outstanding bills. When I called the number for the collection agency, they informed me I had an outstanding bill from a hospital visit in XXXX. However, I had never received notice of this bill. I had moved a few times, including out of state. Americollect agreed to send me a paper copy of the collection notice. They never informed me of the option of disputing the claim. Additionally, I called the hospital to inform them I had never received any notice that I had an outstanding charge from the stay. I received financial assistance for that stay ( after my insurance covered part of it ), so I was never informed of any outstanding debt.
03/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53186	Web
XXXX XXXX Fire Department XXXX XXXX XXXX XXXX XXXX sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. They stated that that they called my cell phone but never left me a voice message ... .therefore I never knew that there was an outstanding bill. I NEVER received a phone call message OR bill via Americollect either. The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) Americollect told me that there was nothing they could do re : my credit report. How can pay a bill when I never received it?? Apparently, the billing department had my address listed in XXXX WI and not in XXXX, WI.
01/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32826	Web
In reviewing my credit report I found Americollect as a collector saying I owe {$240.00}. I sent a letter on XX/XX/19 asking for debt validation. The letter was returned, so I found the correct address of Americollect, XXXX XXXX XXXX XXXX, XXXX, WI XXXX and resent the letter. I did not receive any correspondence from them, however, my credit report was updated saying the account information disputed by consumer meets FCRA requirements. I then sent an Estoppel letter on XX/XX/19 again asking for debt validation. My attempt was ignored again prompting a third and final letter on XX/XX/19. Again no response. Americollect is deliberately and defiantly ignoring my request and they are now in violation of my rights as a consumer. I have absolutely nothing from them saying I owe Americollect this debt.
01/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63052	Web
A company called Americollect Inc has reported a medical debt for collections to all 3 credit bureaus despite being provided with documentation showing that the {$330.00} charge was paid to the hospital on the date of service ( XX/XX/19 ). I have also attempted to have the credit bureaus correct the knowingly false information that was reported, however they have not been of help in correcting the error. I have attached the EOB from the insurance company showing that the {$330.00} is part of the total that was charged to my credit card on XX/XX/19. I have also included a copy of the credit card statement showing the payment to the hospital ( SSM ). Please note that the hospital offered a 15 % discount for paying the balance in full on the date of service ( {$1100.00} - 15 % = {$970.00} ).
06/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32218	Web
A certified letter was mailed to AmeriCollect which was dated XX/XX/2021. The letter was a certified letter that was received by AmeriCollect and the request was a FORMAL REQUEST FOR VALIDATION OF THIS ALLEGED DEBT ( see attached copy of letter ). AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports that were paid by the State of Florida victim 's advocacy. I was a victim of a wrong home invasion and shooting and all medical bills are paid under this program. ( see attached proof ) AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports. One in the amount of $ XXXX and the other for {$150.00} that they refuse to removed. AmeriCollect failed to provide proof of the debt as requested in Certified Mail : XXXX ( see attached proof of receipt ).
05/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77072	Web
To whom it may concern at AmeriCollect Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. My goal is to correct the record on file. This is a request for information only. Please provide all paperwork to XXXX XXXX XXXX, XXXX, Texas XXXX Thank you, XXXX XXXX XXXX
09/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 18045	Web	Older American, Servicemember
I file a dispute with trans union on XX/XX/XXXX.This was for a medical bill while I was cover by XXXX with a XXXX supplement plan and va coverage..The doctors did not submit the bill to my coverage in a timely maner and sent it to americollect who enter it on my credit report. when I file the dispute on XX/XX/XXXX they had the amounts of {$110.00}. and XXXX dollars. They said that it was not cover by any of my insurances.But took the XXXX dollar amount off the report..This was done on XX/XX/XXXX..The XXXX stay on my report until I paid it on XX/XX/XXXX.. I have no billings from progressive physician associates.. now americollect has added a new charge to these same physician on my credit report for XXXX dollars on XX/XX/XXXX.. I do not owe this and beliee I never owe the XXXX amount.
07/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53913	Web
To whom it may concern, Americollect INC. in XXXX, WI is the debt collection company saying that I owe them a debt. I only know that this company collects a debt, but dont know anything else about them. As I was checking my credit report it says Im in collections with this company. I sent them a letter requesting anything that attaches me to this company to verify that the debt belongs to me on XX/XX/2021. In addition, Ive asked for my HIPAA release with my signature and the documents from the hospital that authorized Americollect INC. to collect a debt from me that I dont recognize. They sent me multiple things that doesnt show my signature connecting the hospital, Americollect INC., and me and failed to send me my HIPAA release form to show the hospital actually gave them my PHI.
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32258	Web
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
04/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NH 03104	Web
I found Americollect on my credit report and asked them what bill it was for and they told me XXXX NH XXXX. I called XXXX NH XXXX XXXX department to find out if it was legitimate and they said~ no bill of mine had been sent to collections. I then called Americollect back, as instructed by XXXX and told them what they told me and they spoke over me and were totally rude and wouldn't allow me to talk. When I was finally transfered to someone who half way listened, they told me XXXX would have to tell them the debt didn't exist, before they would remove it from my credit report. XXXX had told me they would call them after doing a deep investigation. It doesn't seem right to be crucified first and then check later. They should have to remove it until they prove there is an existing bill.
09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19149	Web
Americollect Inc. Account # XXXX, Account # XXXX I sent Americollect Inc. a dispute about the violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE AMERICOLLECT INC. WRITTEN INSTRUCTIONS TO REPORT TO MY CONSUMER REPORT.
07/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53217	Web
I received a phone call from a company claiming to be XXXX or possibly Americollect claiming they had accounts of about 800 dollars in my name. I have received no notice from any credit account or creditor claiming i was delinquent. I have received no notificaiton from anyone that i had outstanding debt about to go into collection. I received no letter from any collection company. I was told they mailed a letter to me on XXXX XXXX . Following the phone call, i ordered an XXXX credit report. My report shows that i have no accounts that are in collection and have paid on time on my accounts since 2013. the collection company will not tell me who is claiming that i have delinquent accounts. My credit report shows i have no accounts in collection and this is very distrubing.
05/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98409	Web
I disputed the collection through XXXX XXXX on my XXXX report. It was for a medical bill, I had no knowledge of this collection as I have paid all my copays and I have insurance. The debt they claimed I owed was {$75.00}. XXXX took it off my credit report after the company did not respond within 30 days of disputing. The company submitted another collection claim on my credit report but lowered the amount by {$3.00} to {$72.00} so it would show up on my report again. By doing so, it is now on my XXXX report for {$72.00} and on my XXXX report twice for {$72.00} and {$75.00}. This company is not following the law and are using fraudulent ways, lowering the amount a few dollar and resubmitting it to my credit report, after it was taken off my report for no response within 30 days.
06/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 489XX	Web
I have had vision coverage for eye exams for over a decade. I went to my local optician, XXXX XXXX XXXX XXXX ( Now known as XXXX XXXX ) in 2020, and they mis-billed my eye exam. I have received statements from them and called them directly and they said they would take care of it. For years I have been trying to get this resolved as they are asking for {$260.00} for a simple eye exam that should've been covered 100 % with my plan. I have countless notes and phone calls between them and XXXX XXXX XXXX out of XXXX XXXX, MI. I even have a voicemail from XX/XX/2020 from XXXX, customer representative, saying my balance has been taken care of. However, I continue to receive phone calls from AmeriCollect regarding this debt owed and I refuse to pay it when I had eye care coverage.
02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63031	Web
AMERICOLLECT is listing 2 tradelines on my credit report that must be deleted immediately from my XXXX report. The tradelines have already been deleted from XXXX and XXXX but not XXXX. The first tradeline list nin collevtions on my credit report is for the amount of {$59.00}. This trade line states the account was opened XX/XX/XXXX and was addedd to my credit report this pass XX/XX/XXXX, which is against the rules of XXXX and the credit reporting agencies reporting it. The 2nd debt in the amount of {$68.00} I have submitted a request to verify this debt and send me the bill or statement and they refuse to validate this debt and the other debt like I requested and send me the info. I am requesting these two tradelines be deleted from my XXXX credit report immediately.
07/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76011	Web	Servicemember
On XX/XX/XXXX I had an on the job injury to my left shoulder. Upon the surgeon 's request on XX/XX/XXXX, I was sent to XXXX XXXX for an XXXX XX/XX/XXXX. I received a bill for {$1100.00} XXXX of XXXX that I forwarded to Department of Labor. XXXX of XXXX I was notified that this bill was in collections held by Americollect. I sent them a certified letter asking for verification. Nothing was provided. I called to let them know this was a Workman 's Comp case and in turn I received another bill. I have reached out to XXXX XXXX and they have confirmed that this should not be a collection under my name. In the meantime, Americollect is continuing to report negative information on my credit report. This erroneous information is inconveniencing my military security clearance.
07/18/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53703	Web
Debt Collection company Americollec t Inc Loan agency in XXXX , Wisconsin Address : XXXX XXXX XXXX XXXX , XXXX , WI XXXX On Monday XXXX /17 at XXXX XXXX the Company called Americollect Inc. and left a voice message on the Federal Bankruptcy Courts office line. They only identified themselves as a debt collection company with no other identifying information. This company called the previous Thursday XXXX /17 at XXXX in which I informed them to remove the number from their list. On Thursday XXXX /17 I was informed they would remove it and not contact the Federal Bankruptcy Court again but they did not obviously. I once again have told them to remove the Court 's Number but also informed them I would be filing a complaint.
01/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32233	Web
In the month of XX/XX/2018 I noticed a collection account on my XXXX credit record by the name of Americollect Inc XXXX XXXX XXXX XXXX WI XXXX-XXXX for an amount of {$100.00}. I disputed the collection with XXXX as I do not recall this being a valid debt. I was notified by XXXX in XX/XX/2018 that the debt had been verified by the collector and would remain on my report. On XX/XX/2018 I send a certified letter to Americollect Inc XXXX XXXX XXXX XXXX WI XXXX-XXXX asking them to send me a legal verification of debt. As this is my right under the Fair Credit Reporting Act. Yesterday I received a letter from Americollect stating that my request has been " deemed frivolous or irrelevant '' and furthermore " there will be no additional investigation on this matter ''
02/19/2017	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	NJ 07306	Web
HI, I had been to the hospital on XX/XX/2016, i gave the insurance details to the hospital later and i didnt hear anything from the hospital and never got any news from hospital.Later by XX/XX/2016 i called the hospital and gave my change of address information to the hospital also ensured that the hospital has insurance details. After that they told they will contact insurance company and then get back to me but have not hear anything from them. I was waiting for bill, and now i see there is outstanding of {$150.00}, i am not sure why no one contacted me as i have provided everyone my change of address as well as phone number. I do not agree to this collection, i wil pay {$150.00}, please let me know how do i pay them and also please remove the admended score.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32246	Web
Americcollect reported a medical bill on my credit for treatment that was a result of a auto accident relating to my son. The case is still pending. It has not been settled. My son is currently represented by an attorney and this should have never been reporting on my credit. My attorney reached out and provided the proper documentation to Americollect, they were to remove the collection item. However, they chose to re-report it again on XX/XX/2023. I placed a dispute with XXXX and they validated the debt as of XX/XX/2023. Even though I provided the written documentation that it was to be removed as I have legal representation. I called XXXX and Americollect daily to get no result other than Americollect saying they arent reporting it and XXXX saying they are.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 304XX	Web	Servicemember
Americollect, a debt collection agency, has reported the same accounts MULTIPLE times, resulting in one account alone, being reported as almost 50 collections accounts. I have filed disputes with and XXXX, XXXX, and Americollect has claimed that the information is accurate and correct. This is a fraudulent claim, as Americollect accounts on my credit report would have you believe i have been to the emergency room at XXXX XXXX XXXX XXXX XXXX upwards of 100 times. One of my disputes was finally resolved in my favor, resulting in my debt amount going down from {$52000.00} to {$23000.00}. There are, however, still multiple claims on my credit report, of accounts being report more than once. This is a cowardly and gestapo-type tactic that Americollect is known for.
05/03/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29615	Web
I received credit alerts from : XXXX XXXX and XXXX that Americollect inc., company flagged my accounts for collection. Americollect inc., flagged my credit file with inaccurate collection information on XX/XX/XXXX, and XX/XX/XXXX. Their account was opened on XX/XX/XXXX : I have not received any goods or services from Americollect inc., and I do NOT now nor have I ever agreed to this contract! Proper documentation from Americollect inc., was NOT provided to NAME to allow Americollect inc., to verify the accuracy of their data before placing their account with the credit bureaus for collection. Americollect attempted this same tactic in XXXX of XXXX and was unable to validate their accounts. As a result, each credit bureau immediately removed their accounts.
02/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53545	Web
I paid XXXX accounts with Americollect inc. on XX/XX/2021 for the amount of {$85.00}. Account number : XXXX {$10.00} Account number : XXXX {$50.00} Account number : XXXX {$25.00} I contacted them today, XX/XX/2021 to find out when this will be removed from my credit report. I was told by both the agent and the supervisor, XXXX, that it will remain on my credit report as a derogatory account, but will be marked as paid. XXXX also claimed they report daily to the credit bureaus, yet as of today, it is still listed as unpaid. I was told I would have to fill out a paper and mail it back and they would review it, and may make a 'complimentary ' removal of it. I was told by the rep that no accounts will be removed until all the separate accounts are totally paid.
10/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19151	Web
I am requesting that the collection agency Americollect INC demonstrate that I do indeed owe the debt and that the agency provide detailed information and documents to prove the amount owed. Federal law says that a written notice of a debt, must be received by consumers. I have not received any notice or correspondence from this company regarding this debt. On XX/XX/2020 I received a notification from MyFICO that a collection was added to my report. Also after reviewing my credit report I noticed that Americollect INC did a soft pull of my credit in XX/XX/2020. I request verification of the amount of debt owed ; the name of the creditor for the debt ; and to have the erroneous charge removed from the my credit report. I am unfamiliar with this company.
10/16/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33441	Web
Americollect violated my HIPPA RIGHTS by somehow WITHOUT my verbal or written permission gained access to the procedure I received during a hospital visit. Nothing in any of my previous complaints against this company explicitly meany with plain language givea them the permission to access that info. XXXX XXXX XXXX should be very ashamed for divulging personal medical info without speaking directly with the patient. Medical info is highly protected. I DID NOT AT ANYTIME WHATSOEVER give AMERICOLLECT access to that private info. The only info I was aware they had was what was the amount of the debt. What they have done can not be allowed to happen to anyone. This is a blatant display of A HIPPA VIOLATION. Please see attached for further statements on it.
11/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60178	Web	Servicemember
I disputed an Americollect account that is reporting medical debt in XX/XX/2018 with XXXX and XXXX. XXXX and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
03/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 614XX	Web
Called americollect about them validating a account. lady stated that i would reviece a letter from them with then 3 days and nothing as come. then almost 3 weeks later a bill comes in the mail from them for the account they are trying to collect on but not meeting my request to show proof of contract or signitures from the orginal papers was never sent. i have dispused this on my reports and nothing else has come of that minus it says it may be validated not that it is. then why cant the company send proof or this needs to be removed from my reports as paid off or false debt. if they can no provide the reports i am asking withthin the time frames but they sure can send a bill out. also would like to see if they did purchase said debt what that was.
10/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
Americollect called me on XXXX XXXX, XXXX, at XXXX XXXX and I could not answer the phone for them. I checked my credit, and it shows them 6 times on my credit report ; three of them are the same amount. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$680.00}. They also have XX/XX/XXXX - {$560.00}, XX/XX/XXXX - {$710.00}, and XX/XX/XXXX - {$1000.00}. In the state of Georgia, the debts are actually uncollectible after 4 years and these collections are over the 4 years mark. Also, I did not give my content nor do they have anything written nor signed by me that they have the authority to be collecting old debts nor have I given them any of my information. Due to this situation, I am not being accepted to open a joint account with my husband.
06/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28105	Web
I recently received a copy of my 3 credit reports and noticed AmeriCollect were reporting that i owe two separate debts for {$750.00} and {$710.00}, when i was made aware on this collection was reporting in my credit file i sent 3 letters requesting information about this debt the first was sent on XX/XX/2021 and they never replied back, the second was sent on XX/XX/2021 and they never replied back. i never signed any contracts, agreements or documents with AmeriCollect or anyone they are collecting for, i never provided Americollect with my personal information which includes my social security number, address, phone number, dob, name. i never gave permission for Americollect to access my private medical history or very private medical records.
03/15/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53072	Web	Servicemember
I have an old balance with XXXX XXXX XXXX in the amount of {$210.00}. A few months ago I received 1 ( one ) letter from Americollect stating that this amount has been placed in collection with them and they subsequently placed the collection on my credit on XX/XX/2019. Seeing as how I check my credit repeatedly, I found out that Americollect has now posted this same amount 3 more times for a total of 4 collection listings on my credit resulting in significant drop in my credit. According to the Fair Credit Reporting Act, this is an illegal tactic and if I'm not mistaken, I am not should these items be removed from my credit reports, but they are subject to fines and I should receive financial restitution as a result of the damage to my credit.
12/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85122	Web	Servicemember
Americollect Inc was contacted and told that this is NOT my debt. They have a published debt on my credit report with a XXXX Hospital ( not even sure where that is located ) from XX/XX/2019. I have not been in Michigan for 2 years and I have great credit with this ONE derogatory and false publication. The item was disputed via XXXX and all they did is put a note on my credit that says " Consumer disputes this account information ''. My attorney advised to file this and state licensing complaint before filing a Federal lawsuit under the FCRA and FDCPA as this is clearly not my account. I was a victim of identity fraud in the past and they were told that but willfully and maliciously ignored it, attempting to fraudulently collect a balance not owed.
01/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33579	Web
Americollect Inc has reported an alleged debt in the amount of {$460.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Americollect Inc obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Americollct Inc on XX/XX/2021 and I await a response.
09/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
Americollect has placed an account on my credit reports in the amount of {$52.00} for an original lender of " XXXX XXXX XXXX XXXX '' it appears to be a medical debt that I know nothing about and I was not provided with any communication in reference to this account nor able to request a VOD or a payment arrangement before Americollect started damaging me credit. If I received services what were they, when were they, what were they for, and were they billed properly through insurance, and if so was I ever offered an arrangement and why would the account type be NOT REPORTED and what type of credit limit do I have with them? I have received NO WRITTEN COMMUNICATION FROM AMERICOLLECT and the first attempt for them to reach me is to damage my credit
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98387	Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32218	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 62221	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53208	Web
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
08/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AP XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 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.
05/14/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	Web
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53186	Web
Americollect sent me to collections, PRIOR to investigating the dept. XXXX XXXX Fire Department ( XXXX XXXX XXXX ) sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. I NEVER received a phone call message. The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) As you can see, Americollect sent me a bill ... but AFTER the debt was already paid. Apparently, the original billing department had my address listed in XXXX WI and not in XXXX, WI. I have sent Americollect an email and have not received a response of any type.
12/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60443	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX, I spoke with someone from XXXX because a collection appeared on my report for {$310.00} and they stated that the company americollect has the account and Verbally verify the account with no type of info on what the account was all they know it is a medical account I contacted Americollect and they stated it was a medical account from XX/XX/2019 which was from a doctor XXXX they could not give me any information on the account so I proceeded to ask XXXX to investigate this again and all they could say is that they would have to verify that this is my account with no itemized statement or anything pertaining to what it is please help me I dont know what this account is for.
04/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98003	Web
I've sent several requests to verify a debt that Americollect is trying to collect from me. I've requested specific information regarding the accounts they state are owed. In their last response to me, dated XX/XX/20, they state that they have provided a response to my request for validation of what they are reporting is in fact accurate and does belong to me. They also claim that my dispute was deemed " frivilous '' because there was not substantial change in information provided. This is an inaccurate statement, which I have attached copies of all letters sent as of today. As you can see in my letters, each one was different and requested different information based on different laws that are afforded to me as a consumer.
01/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53546	Web
XXXX and XXXX alerted me to a " Attempt of Collection '' by Americollect Inc. No such debt exists. Claims to be collecting on behalf of " XXXX XXXX XXXX XXXX XXXX '' which tells us we have a CREDIT on our accounts. Prior to the appearance on our credit reports, we were never contacted by XXXX XXXX XXXX XXXX XXXX or Americollect Inc., and following this appearance on our reports, when we contact both XXXX XXXX XXXX XXXX XXXX or Americollect Inc., neither can offer an explanation as to why their names are on our credit reports, and Ameicollect has not replied in any fashion to our requests for explanation nor expulsion from our records. Proof of CREDIT from statement PREDATING filing with credit bureaus is attached
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 96130	Web
I got admitted into the hospital of XXXX XXXX in XXXX Nv. When the insurance paid my portion of the bill the was a remaining balance to be Paid the original balance was {$1400.00} and I was making payments for 3 months and they stopped billing me and sent it to collections with my notice and ruined my credit rating I had a sore of XXXX and now its XXXX from one occurrence and no notice it was going to collections so what I would like to happen to finishing paying my bill and have the negative credit score on my file and to get my score back. Americollect should have not done this it shows I have a balance of {$790.00} but they didnt give me the opportunity to finish paying it back, what they did was dishonest!!!!
02/11/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85248	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
07/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 489XX	Web
Medical debt from XXXX XXXX PA, {$25.00}. Was paid by customer in XXXX receipt # XXXX. Then in XX/XX/XXXX debt was sold to collections and placed on credit report as collections showing past due amount of {$25.00}. Debt was disputed through XXXX and was not deleted as requested. But was marked as account information disputed by consumer. Debt was paid in XXXX, and was brought to the attention of original creditor again on XX/XX/XXXX and was informed that they were working on the issue and that it would be corrected. Credit report was viewed again on XX/XX/XXXX and is still showing past due {$25.00} in collections not being updated since XX/XX/XXXX. This collection should have never been placed on credit report.
02/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31419	Web
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
02/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web
TO WHOM THIS MAY CONCERN : On XX/XX/2021 I sent Americollect a request for validation on 14 different accounts showing on my credit file in the sum of {$2200.00} via certified mail. On XXXX XXXX, 2021, I show in my records my letter was delivered and signed for by an agent with a return receipt. Its been well over 30 days and I still have not received debt validation. The Fair Credit Reporting Act states that while these items are being investigated they must indicate to the bureau that the accounts are under dispute and will remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. This company is still to this date reporting invalidated information.
02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI XXXXX	Web
I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.
06/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 815XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$280.00} XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Americollect continuously harasses me with collection letters after they accepted to bill and be paid by the US Federal Veterans Medical Program for emergency services I received at a non-VA facility. Per US Federal Law any entity willing and accepting VA Medical payment does so in full and can not bill the veteran any balance or even attempt to contact the veteran and doing so is in violation of the contractual agreement and the law. Not only have I been harassed with phone calls and letters but Americollect refuses to follow the contact and law and has placed numerous balances that I am not to be billed on my credit.
05/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89052	Web
Not only was I never given the chance to dispute the debt before it went on my credit report but the information they have now provided is insufficient. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
01/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL XXXXX	Web
To whom it may Concern I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor AMERICOLLECT INCXXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, XXXX and XXXX has also violated several consumer laws. But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
12/26/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80909	Web
I received services at a XXXX facility in XXXX XXXX, CO on XX/XX/2019. After applying for XXXX XXXX with XXXX, all of my costs were covered 100 %. I have the acceptance letter from XXXX showing a 100 % XXXX XXXX approval, as well as an email directly from the supervisor of the XXXX XXXX XXXX department showing that all debts related to this visit have been covered by XXXX XXXX and should be removed with no effect to my credit score. These documents will be attached for your convenience. Despite being notified of this, Americollect is still reporting a balance due of {$270.00}. This balance is incorrect and not owed whatsoever. I insist that this record is removed from all reporting agencies immediately.
01/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31324	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
11/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 700XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web
I continue to dispute and this is my second complaint regarding XXXX, XXXX and Americollect. Americollect send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. Americollect is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from Americollect. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
04/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53188	Web
My name is XXXX XXXX! My complaint is in regards to a collections account on my credit from AMERICOLLECT. The collection is in the amount of {$640.00} and claims to be from a medical bill. The collection was opened XX/XX/2016. I have attempted to dispute this collection and request information from the Collection agency as I have no knowledge of this claim. I have had XXXX insurance most of my life and all of my medical expenses are covered. When I attempted to request Information and proof of validity the collection agency refused to give me any information other than the amount thats owed. I have no recollection of owing a medical bill and do not believe this claim to be accurate. Please help!
04/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 935XX	Web
Back in XX/XX/XXXX I noticed a collection on my credit report, I sent a debt validation request to Americollect at XXXX XXXX XXXX XXXX XXXX, WI. XXXX on XX/XX/XXXX and was received by collection agency on XX/XX/XXXX. XXXX. They did not validate the debt, instead they sent me a bill. That is not validation of a debt. Thats why I want to file a report. They are still reporting this on all XXXX credit bureaus. There violating my consumer rights. So Im requesting help to get this issue resolved. Also I sent them a second debt validation letter on XX/XX/XXXX and was delivered on XX/XX/XXXX. They still haven done anything to resolve the problem. Im attaching all documents that Ive sent Americollect.
09/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 701XX	Web
XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company.
02/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
I advised Americollect back in XX/XX/2020 that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I have done my due diligence, supplied all documentation and yet they are giving me a hard time and impacting my credit over a debt that does not belong to me. I want this item removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
01/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07208	Web
I contacted both AMERICOLLECT and XXXX to verified this account. Both companies AMERICOLLECT/XXXX came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted XXXX and they said they don't provide such information. I also contacted AMERICOLLECT to please provide me with verification of the account and also i didn't get anything from them
11/17/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46217	Web
On XX/XX/XXXX my ex boyfriend received a phone call on the phone line i previously had and stated that a debt collector was looking for me and leaving voicemails on his line, when he called the debt collector back to obtain information, they stated they were looking for XXXX XXXX. He would not have know that was debt collector had they not had specified that on the voicemail. Now, he has my personal information and knows there is a debt allegedly out there for myself. This is 100 % against the FDCPA 's voicemail standards as they are not supposed to identify themselves on a voicemail as a debt collector unless that voicemail specifies that specific person 's name on the voicemail.
06/14/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI XXXXX	Web
I had insurance during this time. The office for XXXX XXXX OF THE XXXX XXXX was submitting my old insurance for this bill. They were not submitting the invoice to my NEW insurance which was prodived to them multiple times. So they sent the invoice to collections. The total invoice was 100 % covered by my insurance. It can not be covered by insurance now because it was sent to the debt collector over a year after the service debt. I should not owe this debt because it WAS covered by insurance. The doctors office clearly can not do their job in the billing debt to have had it processed correctly. Attaching documents of when my insurance started and is still covered to this exact day.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
11/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77521	Web	Servicemember
I have disputed this debt and yet they continue to report to my credit report as collection account. I am a XXXX XXXX XXXX Veteran and have free healthcare due to my XXXX. This company has purchased a debt and is illegally reporting it without even verifying any information. All health insurance claims are to be billed to the XXXX regional VA, where they are covered. I shouldn't have to fight a collection agency over a medical bill when I have full coverage insurance. This is crazy. They don't even report my address correctly. I have never received any validation. You now have stated what the bill was for, by listing personal details which violated my privacy acts as well.
01/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 850XX	Web
The company Americollect is trying to collect a debt on behalf of XXXX XXXX XXXX. The debt has been paid to XXXX XXXX XXXX. I sent XXXX, XXXX, XXXX the bill and proof of payment. When I dispute the charges on my credit report, within 12 hour they send a message back saying " we have investigated and the results found are accurate ''. Americollect has the incorrect balance and it is paid, Americollct is upset because the bill was paid to XXXX XXXX, and they are not willing to accept that I paid XXXX XXXX XXXX before the collection was placed. Americollect is stating a price of XXXX ( that is their own inflated price ) and the bill is XXXX and the bill payment is complete.
03/01/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 31419	Web
In XXXX of 2018 I went to the hospital a free an accident and was seen at the emergency room. They did not file with my medical insurance they use my car insurance to file the claim and now they are saying I owe almost {$700.00} dollars in medical bills. But I have and had insurance the hospital never billed them. Now Im getting a mark on my credit for no reason I have tried to give them my insurance information but they will not take it. This is not my fault it is the fault of the file department at the hospital they had my insurance info on file they failed to use it. Even my insurance timely filing is 15 months it has only been 8 months. This could easily be removed.
06/05/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IN 46254	Web
I had a debit from my doctor and i couldnt pay it so they forward it to AMERICOLLECT, this bad company didnt just place the collection for the amount, they split it into XXXX collections to harm my credit and force me to pay it, i called them and i asked to pay each one separately as they posted on claims, i would pay XXXX and they would remove it i said, they refused and they wanted me to pay for the whole thing. i do n't know whats going on and how they are able to twist the law like this, for XXXX claim they separate it into XXXX and refuse to settle each XXXX separated as they posted, i believe there is no control on these companies who abuses the collection laws.
02/06/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IA 52001	Web
This debt was undertaken during an incident that occurred due to being XXXX XXXX XXXX XXXX. When the settlement came in, it was for less than expected and it didn't cover all my bills and time off work. The hospital refused to recognize my insurance at the time, stating I would have to be personally responsible for the entire amount. I tried repeatedly to work with them, attempting to file for Indigent negotiations, and tried to negotiate a settlement that would have made with my settlement. They avoided final discussions, entered it into collections and added to my credit report during negotiations ; even after was told repeatedly that they would not do that.
10/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I never had any medical services with anyone.
10/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89183	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICOLLECT INC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
11/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30311	Web
Received several phone calls and voice messages from " AmeriCollect '' for a debt I had no knowledge of. When I called on XX/XX/2022 and asked for more information about the debt, they said they would send me a letter with details in 7-10 business days. Never received a letter, kept receiving calls about the debt. When I called and asked again on XX/XX/2022 for more details, received the same answer about the letter and the mail and was then told I needed to pay either the full or partial payment. Each time no information was given about the debt, besides it was for an emergency room visit for a hospital I have no knowledge of for the cost of {$530.00}.
07/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33558	Web
Americollect is a collection agency claiming a debt that is NOT owed by me. it is impossible for me to owe this claim debt to your claimed debtor as i was not present in the United States during the claimed rendered service date provided by your collection agency to myself as the date of the claimed service was rendered. Please review evidence consisting of plane ticket reservations as well as hotels reservations as well as my return tickets. i was not in the USA from XX/XX/2018 and returned XX/XX/2018. I have contacted them repeatedly and provided evidence and still collecting and reporting to the credit bureaus regardless of the provided evidence
06/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 313XX	Web
I don't know exact dates But there are two charges for {$1000.00} to anericollect I've disputed this over and over the other creditors removed it from my report. Experience is the only company that refuses to remove it Number one medical costs are not supposed to be added onto someone's credit for this is the law. Number two they are breaking their hipaa by disclosing my information to another consumer and number three I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v gravens ( mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefor any such debt, in fact therefor exists as well as hipaa violation
10/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 883XX	Web
The following letter was signed and mailed to Americollect regarding debt validation in XXXXXXXX XXXX XXXX : XX/XX/ Re : Reference XXXX To Whom it May Concern, I am writing today to request validation of the alleged debt regarding XXXX XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I would like a thorough and complete explanation as to the validity of the debt along with a complete guide to all billing codes and test results, since none were ever given to me. In addition, I am requesting that I receive validation of this debt within 30 days of the receipt of this letter. Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NM XXXX
01/21/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for Americollect Inc to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
10/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AMERICOLLECT INC for them to have my personal information or medical records. In fact AMERICOLLECT INC is violation of 15 usc 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 usc 1320d-9 ( b ) ( 3 ) HIPAA Privacy. By AMERICOLLECT INC obtaining my personal information and medical records with out my consent AMERICOLLECT INC have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt AMERICOLLECT INC has furnished to my consumer 's reports.
06/24/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO XXXXX	Web
I have contacted Americollect, twice in 2019 and earlier this year about this situation. I explained to them that I had no debt with their business. And to send a copy of the agreement that I signed. I never done business with them before. They never produced the contract. So a few months go by they are still on my credit report. So I repeated the same phone call to them. Still no response. A year later it's been showing up on my report as customer dispute. The account was fraudulent and they refuse to get off of my credit reportting. I really hate their bulling tactics and unprofessional approach. I'm sure this is not the way things operate.
11/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89084	Web
( AMERICOLLECT ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
01/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
To XXXX XXXX this is in response to the letter in connection with the CFPB complaint number XXXX. The letter doesn't address the three clear violation which i laid out with proof in connection with those statutes. You have violated 15 U.S. Code 1681 ( 2 ) Limition on Creditor. In regards to the prior identity theft claims, at this point those a moot as there are statute violations which supercede the identity theft claim as the violations prevented me from qualifying for {$250000.00} business loan. To thrwart any further litigation remedies all i ask is that you DELETE the accounts from XXXX and XXXX as XXXX already deleted the accounts
03/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
Americollect is attempting to collect on a debt that does not belong to me. XXXX started the dispute process got collections removed from the credit bureaus due to the accounts does not belong to me never resided at the home they have listed. However I received a collection notice and the mail XX/XX/2022 sent them a debt validation letter XXXX they responded XXXX with a list of statements again that does not belong to me never have I resided at the address they listed. Therefore I am filing a complaint on a debt that is not mines and does not belong to me. Amounts that they are attempting to collect is {$33.00}, {$120.00} and {$380.00}
07/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 499XX	Web
After contacting and interrogating an individual with XXXX, the collection agent abruptly discontinued the call by hanging up. This left the callee worried and confused about his status. He then felt he needed to involve a number of relatives to investigate and attempt to remedy the situation on his behalf. AmeriCollect, of XXXX, WI was ultimately identified as the caller. We found that they had quickly determined that they had contacted the wrong individual. My complaint relates to their ultimate disposition of their call. When they decided they had the wrong person they should have made that clear before they abruptly ended the call.
12/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32225	Web	Servicemember
The Following Account : AMERICOLLECT Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Placed for collection Original creditor name XXXX XXXX This account is not valid. I had active XXXX XXXX under my social security number at this time and this was covered. The original creditor is responsible for this balance if they did not submit it to the correct insurance for payment as they were given all of this information at the time of care. This needs to be removed from all 3 of my credit reports at once as it is detrimental to my credit as well as keeping me from being able to continue on with my life as needed.
07/20/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32210	Web
I am filing this complaint because Americollect has iqnored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you To provide accurate information showing my original signature that this debt belong to me. If not provide this need to get delete from all credit bureau reporting this false debt.
07/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 078XX	Web
I recently reviewed my credit reports and discovered that there are XXXX ( XXXX ) accounts in collection on my credit report from a company named AMERICOLLECTS Inc. of XXXX, Wi. Looking further at these XXXX items they are collecting for their client XXXX XXXX XXXX. Neither myself nor my wife XXXX XXXX have used the services of this XXXX XXXX. I am not a guarantor for any bills except my wifes. All of my XXXX children are adults and I am not responsible for their bills either. I have received no correspondence of any type from either XXXX XXXX XXXX or AMERICOLLECTS Inc. They just decided to report my name to the XXXX credit bureaus.
03/10/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	PA 19380	Web	Servicemember
The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed " collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is satisfied.
10/06/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WA 984XX	Web
This company called Americollect is attempting to collect an unknown debt from me by calling me 2 times a day, and contacting me after I asked them to stop. It is harassment. I also have done my research on the company and they have a record of harassment, threatening, refusing to send debt statement letters to those who owe, taking multiple payments for one debt and refusing to report the full payment to the credit bureaus, and attempt to collect false debt. This is criminal and must be stopped. The last time I was contacted was today XXXX XXXX 2021 at XXXX XXXX two times in a row and I have pictures of my call log to prove it.
05/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62702	Web
I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.
08/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 545XX	Web
Hey this is XXXX from XXXXXXXX XXXX I'm a debt collector. ID number XXXX and this is an attempt to collect a debt. Any information obtained will be used for that purpose. You can reach me at XXXX or you can chat with me XXXX. I'm in the office Monday through Friday from XXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXX to XXXX. Again I am a debt collector with America collect at XXXX. If I have the wrong number. Please feel free to give me a call and let me know. Thanks and have a great day. PLEASE NOTE THAT MY CALLER ID INDICATES THAT THE NUMBER IS COMING FROM A XXXX NUMBER AND I HAVE NOT CALLED THEM BACK
08/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Following a visit to an ER I received collection notices from a company called XXXX XXXXXXXX. I advised them via phone and a mailed written letter that the debt that they allege is mine is not mine. They continued to harass me via phone for several months following my dispute of this debt. I made a point of sending my written dispute within the 30 day period as required under the FCRA legislation. They did not care and proceeded to hit my credit report with a negative report. I guess both written and verbal disputes that are received from the public are ignored by Americollect. Please assist me with cleaning up this matter.
11/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46221	Web
I have no memory of incurring this debt. Likewise, I never received any correspondence from the original creditor or debt collection agency stating that I owed the debt. Also, the debt was in two parts. I do not recall making one single debt with this company net alone two separate debts. I'm not saying the debt is not valid, but it does not appear valid because I never knew I had this debt until it showed up on my credit report without any prior notice. I have a XXXX credit score and I take pride in paying my debts and bills on time and in full. So if I had knowledge of this debt I would have never allowed it to go unpaid.
01/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
AMERICOLLECT INC. has an account on my credit report thats not mine and that is not owed to them. sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } americollect does NOT have PROOF ( VALIDATION ) of a writing contract between me and them stating i owe.Furthermore, { AMERICOLLECT } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. THERE ACTS ARE A VIOLATION OF Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
01/18/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL XXXXX	Web
Americollect fails to show me what i owe them or my medical provider for. I have asked for proof of debts and have only been told the balance of the current account and that it came from a medical provider, upon checking my credit score it shows 3 accounts from americollect in collections. All are above 350 dollars per account. When I check americollects online sight I do not see these same XXXX collections on my report but a plethira of small collections accounts I supposedly owe to them. I am not sure which accounts are true to me actually owing them, especially since the credit report and there account site dont match.
01/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77090	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77091	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77090	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 190XX	Web
A validation of debt letter under Fair Debt Collections Practice Act was sent to AMERICOLLECT INC Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from AMERICOLLECT INC is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt.
11/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77571	Web
I began receiving bills from Americollect requesting payment for a debt I did not recognize. I repeatedly asked for verification that the debt belonged to me. I have the dates and certified receipts of the letters mailed requesting proof of this debt. I also asked the credit bureaus to provide the information used to make them believe the debt was mine and subsequently adversely report it on my files. From Americollect I only recieved new bills and from the bureaus, I received correspondence stating the debt was validated. How can this be possible?! How can no one prove it to me but can prove it to an outside source?
01/14/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29414	Web
I have told this company to not contact me. I dispute the alleged debt they are attempting to collect. The debt is not mine. Pursuant to 18 US Code 8, I owe no debt. This company is violating my my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Finally, as per 15 USC 1692c s 805, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
07/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77407	Web
Did not receive notice of a medical bill. Because they failed to send a debt validation notice, I did not even know about this bill. Details - Collection Agency AMERICOLLECT INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$70.00} Amount {$70.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX
06/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 493XX	Web
Americollect INC. is in fact in violation of 15 usc 1692b ( 2 ), 45 cfr 160, 15 usc 1692d ( 1 ), 15 usc 1681. A notice of alleged debts in the amount of {$580.00} was mailed to me on XXXX XXXX in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due course for any and all derivatives thereof. These alleged debts were placed on my consumer reports on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Ive sent out an Affidavit of Truth, Invoice, Debt validation letter, cease and desist and exhibits proving all violations.
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30601	Web
I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits to the emergency room in Georgia on my report I have not been to the emergency room since I lived in Kentucky in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX cable I have never had cable from XXXX the last time I had cable television was in XXXX Ohio!!! Im in the midst of trying to make a police report and get this handled.
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31406	Web
I have accounts that dont belong to me and have been removed fromm my credit report by XXXX and XXXX. XXXX has not removed any of these accounts that are incorrect and negatively affecting my credit XXXX credit score.The accounts are listed below : 1 ) XXXX XXXX- account # : XXXX, opened XXXX, XXXX, XXXX ( CHARGE-OFF ACCOUNT ) 2 ) XXXX XXXX XXXX-account # XXXX, opened XX/XX/XXXX ( CHARGE-OFF ACCOUNT ) 3 ) XXXX XXXX- account # XXXX, opened XX/XX/XXXX ( COLLECTION ACCOUNT ) 4 ) US BKPT CT GA XXXX ( Bankruptcy chapter XXXX- dismissed ) - Reference # XXXX XXXX ) XXXX XXXX XXXX account XXXX XXXX ( CHARGE-OFF ACCOUNT )
10/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MI 483XX	Web
I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XX/XX/2016, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to Americollect out of XXXX, WI. This account is listed on my XXXX credit report. I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.
10/18/2023	Yes	Debt collection Medical debt	Electronic communications You told them to stop contacting you, but they keep trying	AZ 86004	Web
On XX/XX/XXXX, I went into the ER, due to some what I thought I was having was a XXXX, it took XXXX hours to even be seen, they total necessary vitals and XXXX XXXX ... it would then take another few hours to even be seen to be told I was just having a little XXXX, they discharged me, in no right mind would {$700.00} be as much as just taking vitals and getting a talk from XXXX for less than {$5.00} worth {$700.00}. Anyways, tried to email and call and my email was blocked and when I call line is always busy or not working number, so I'm not sure. I would love to dispute the full amount because I'm done trying.
09/24/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 62704	Web
This company is trying to collect an invalid debt to begin wit, also when she called me, she gave a brief statement about attempt to collect the debt and followed with you have {$5000.00} medical bill, would you like to pay that tonight? She did not verify my identity or anything to ensure I was me. She definite failed proper authentication and verification procedures. I told her the debt was not valid as I have told this company before and I am in process of disputing their removal from my credit report. Also the 2 accounts I have for them on my credit bureau are for {$0.00} and {$130.00}, not over {$5000.00}.
09/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32043	Web
On XX/XX/2021 Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g I requested Validation from Ameri Collect. Please see attached. According to the certified Tracking number XXXX XXXX XXXX XXXX XXXX Ameri Collect 's offices received my request on XX/XX/2021. I have yet to received validity within the allotted time frame of 30 days, therefore pursuant to 1692g- The debt collector must provide the consumer with certain basic information. If information is not provided, debt collector must cease and desist all collection activities and account must be removed from all 3 consumer reports and closed.
03/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DC 20019	Web
This company put medical debt on my credit report causing irreparable damage to my credit score and the cost of great interest rates. The collection company ( Americollect ) when contacted mentioned XXXX XXXX did not process the medical procedure properly, causing the derogative information being put on all 3 credit bureaus. I have state medical insurance and do not receive medical bills because XXXX DC XXXX XXXX takes care of all my medical bills and any associated procedure needed. The collection company said the office processed the claim and cause my credit score to take a harmful dive and caused harship.
09/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 538XX	Web
Americollect at XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX has been sending me collection notices in the amount of {$410.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have any a contact with my signature. Debt amount has changed multiple times as well. First they tell me I owe {$280.00}, then they send me a letter saying I owe {$410.00}, and now they are stating {$410.00}. They put the collection back into my credit report. This is not my debt and I do not have any association with this company.
03/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53405	Web
Americollect is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple americollect bills on my reports I am asking for full removal of all americollect collections from my credit report
09/17/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 53221	Web
Americollect keeps calling about collection accounts even after I told them I requested debt validation. I don't know wha the amounts or accounts are because they have to responded to the debt validation letter yet. I sent them another letter certified mail asking again for debt validation and not to be called anymore until I receive it and have time to review it. They received the letter today and I just got another call from them, about the 5th call today and at least 15 calls over the weekend. This needs to stop its harassment, they need to respond to my request and only contact my mail like requested.
04/12/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IN XXXXX	Web
I have sent Americollect numerous letters asking for a validation of my signature demonstrating that they have a contract with me. They continually send me letters stating this is " what I asked for '', but it's just the same as always. No proof of my signature with them. Just some random letters and then they keep sending me my medical diagnosis and tests which I have had in the past. I clearly did not ask them to send that to me nor did I give permission for anyone else to send it to them. They do not have a signed financial consent from me therefore, I would like this removed from my credit report.
05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76065	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
09/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 10003	Web
None of the options listed above describe the situation I had. My issue with Americollect is that I have never heard ANYTHING from them. I went to apply for an apartment and this was not a big enough deal for me to not get the apartment but they have had outstanding debt that they have never tried to contact me about for two years now and it seems to have tripled in size because of the delinquency. I am happily going to pay the debt as soon as their office is open, I am just extremely upset about the lack of an attempt to contact me in what seems like a blatant attempt to grow the size of the debt.
07/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48207	Web
I have provided two written notices of dispute with Americollect. I have requested validation of the debt and this company has only provided a copy of charges. In have only disputed XXXX debt of {$61.00}, {$61.00} and {$120.00}. All three of these alleged debts show on my consumer credit report multiple times for the alleged accounts. The alleged debt for {$120.00} shows XXXX ( XXXX ) times for XXXX account. I have not been provided any documentation with my name, signature, or idenification to validate this debt. These debt are not mine and this company has not completed the proper investigation,
11/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98516	Web
My name is 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. AMERICOLLECT XXXX Balance {$400.00}
07/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 611XX	Web
In XXXX of XXXX, I received a debt collection letter from Americollect , Inc for {$570.00} claiming that I owed this debt. In XXXX of XXXX, I mailed an certified letter to this agency requesting that the organization provide me with a legal signed document indicating that I entered into a legal contractual agreement with their organization. On XX/XX/XXXX, I received a medical bill with all of my medical procedures and medications listed on this bill. I did not sign any HIPPA documents giving Americollect authorization to access my medical records. This is a direct violation of my HIPPA rights.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 86004	Web
My bill was reported to access said they gon na to take care of medical bill, they never did a 3 rd company never told me never address me nothing about they bill they medical company did do nothing about it .I was told this was paid off all ready and my credit is bad and no 3rd company 's don't have my authorization about this only bill on my credit report they are fake and this bill needs off my credit report thank you XXXX XXXX a 3rd company has my bill and is fake, no rights my bill is over 145 days and 2 company 's 3rd party has my bill no rights and this a medical bill was taken care of
04/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53545	Web
I have gotten repeated phone calls and letters from Americollect saying that I owe medical debt. They named my hospital, so I hung up and called my hospital to confirm that I didn't owe any money. The hospital stated that I didn't owe anything and that they don't use Americollect for their debts. I called Americollect back and told them that it was taken care of and that I don't want to be called again. I got even more phone calls saying I still owe money and when I ask for more information regarding the debt, Americollect says that they are not in contact with the people that post the debt.
01/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89121	Web
I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
09/23/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19103	Web
Americollect Collections Agency located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, WI XXXX, has flagged my credit report several times which has had a negative impact on my credit report and credit rating. I received 100 % charity care for medical services received and have two charity care letters as evidence. Americollect has received this information and continues to try to forward this information to my credit report and then flag it so that my credit rating drops. These unfair business practices are unfair and questionable. Please investigate this issue and resolve.
06/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
I keep getting the same response that is lies. I have an email that they applied to my credit and the resolution is false. They are not doing what they say and I keep getting the same generic email. This is not a duplicate issue, the issue is never addressed and their resolution is false. Please review my credit and you will see it is open. Once again, I pay all my bills and I have no idea what the debt is for and why it is there. I am tired of these unethical practices. Saying your following the FDCPA and disputing when you just reported again on XXXX is not accurate and a false statement.
06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63139	Web
I have contacted Americollect Collections after getting a credit notification about negative information on my credit report. Americollect Cllections does not have any contracts with me. After making contact with the listed creditor, who did not verify that I owe Americollect any monies for any services at all. The company did not remove the fraudulent accounts from my report. Americollect Collections is reporting the same account with different figures. Americollect {$330.00} Americollect {$160.00} Americollect {$160.00} Americollect {$160.00} Americollect {$150.00} Americollect {$150.00}
11/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31419	Web
XX/XX/2018 I RECEIVED A LETTER FROM AMERICOLLECT CLAIMING I OWE THEM A DEBT FOR SERVICES NOT RECEIVED FROM THEM, I RESPONDED WITH A VALIDATION REQUEST XX/XX/2018 IN WHICH I RECEIVED NO REPLY AT THIS TIME. XX/XX/2018 WHILE LOOKING AT MY CREDIT REPORT I NOTICED AMERICOLLECT REPORTING ILLEGALLY AN ACCOUNT I'M DISPUTING WITH THEM ON ALL THREE MAJOR CRA 'S CAUSING A NEGATIVE IMPACT. I REACHED OUT BY PHONE TO BE RUDELY SPOKEN TO BY THEIR REPRESENTATIVE. AMERICOLLECT IS REFUSING TO SEND VALID VERIFICATION AS REQUESTED IN WRITING. AMERICOLLECT IS REFUSING TO REMOVE THIS UNVALIDATED UNVERIFIED ITEM.
12/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32223	Web
I disputed a debt with Americollect account number XXXX for {$710.00} on XX/XX/22 and again on XX/XX/22 advising that I have no knowledge of this bill and upon contacting the original creditor XXXX XXXX XXXX, they could not provide an itemized billing, medical records, or contract signed by me nor verify there is a debt owed in this amount for me or any member of my immediate family.The debt is also linked to an unknown and invalid address not linked to me. I am requesting this invalid debt that does not belong to me be deleted immediately from XXXX and all other credit reporting agencies.
01/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60490	Web
they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on On XX/XX/XXXX and XX/XX/XXXX each time this company [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
12/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33617	Web
There is a collections reporting on my credit file with Amiericollect Inc. This was for a hospital debt that was covered by XXXX. I contacted them directly and they told me I had to contact the hospital and when I did the hospital confirmed it should have been covered under the XXXX. I contacted the collection agency and sent the documentation after getting the run around from the hospital and the collection agency they told me that it was too late that the account was over 6 months old. I started fighting this as soon as I was made aware of the debt which was XX/XX/XXXX of this year.
08/16/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	WI 542XX	Web
Debt collectors can not falsify information or present themselves in a way that is deceptive including making false claims about the amount of the debt, who they work for, or what they will do if you do not pay the debt. Americollect on XX/XX/2018 called and claimed without telling me who they were that they knew my mother and it was a personal call. It was only till I insisted later in the call that they properly identified themselves but at this time I had already given them a number I would otherwise not have. This violates the law as they presented themselves in a deceptive way.
10/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web
On XXXX/XXXX/XXXX I mailed Americollect a certified letter for debt validation and XXXX validation They sent me a print out with no date of birth, no last XXXX or any other identity makers, other than my name and address. They alleged bill states " XXXX of abdomen '', first, I 've never had an " XXXX of abdomen '' and I know this because the only body part " XXXX '' is done on is the XXXX, to check for blood flow and regurgitation back into the chambers. The bill is fraudulent and so are the charges, I will be reporting Americollect and XXXX XXXX XXXX the BBB And XXXX for fraud.
01/17/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46217	Web
XXXX Hospital fraudulently claimed outpatient XXXX XXXX as Inpatient Services with my Insurer, resulting in a {$600.00} deductible owed, when contacted by myself and XXXX XXXX XXXX stated the account would be taken care of. In XX/XX/XXXX2017 XXXX XXXX notified me there was a new collections account on my credit report, from AmeriCollect originating from XXXX XXXX for {$600.00}. AmeriCollect has NEVER provided me any written notification of this debt and refuse to discuss the account over the telephone, XXXX XXXX states they can not discuss the account as it is now with collections
04/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33579	Web
XXXX, XXXX AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
10/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UNITED STATES MINOR OUTLYING ISLANDS XXXXX	Web
On XX/XX/2020 AMERICOLLECT, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, AMERICOLLECT has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
03/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI XXXXX	Web	Servicemember
AMERICOLLECT XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. ON MY XXXX CREDIT REPORT, AMERICOLLECT CLAIMS I OWE XXXX USD XXXX BUT ON MY XXXX CREDIT REPORT AMERICOLLECT CLAIMS I OWE XXXX USD XXXX. AMERICOLLECT JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
03/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60490	Web
On XX/XX/2020 [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
03/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95677	Web
I have received multiple phone calls related to this debt and a letter in the amount owed of {$540.00} from Americollect. I do not feel comfortable giving my credit card information over the phone. Although it's a violation of XXXX for them to even have this debt since it is not mine and a medical for my minor child, I went to their website to try and pay and close out this liability online and the website that is indicated on the bill does not work. I have tried to pay multiple times however, this seems very scary to pay a debt over the phone then to someone I do not know.
12/12/2019	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	DE 19702	Web
XXXX Unfortunately after the results of an investigation into HIPAA violations, XXXX continues to report these violations on my credit report. AMERICOLLECT, the company in violation has placed the burden of correcting and updating my credit report squarely on XXXX. I am including in this complaint, AMERICOLLECT 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on XXXX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.
06/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
XXXX was not a repeat complaint. This company continues to say they are doing things and they are not. They say they dispute the issue with the credit bureaus and they do not. Instead they reapply the open credit to my credit report. Please take this seriously as I am being treated terribly by this company and now the CFPB. Please read the whole complaint that the company is not following it's own resolution, but continuing with just applying it to my credit. I was never aware of the debt and they never disputed and now they are reapplying it to my credit with a new date.
05/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web
XXXX and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of Americollect over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. Americollect has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61401	Web
I sent out a Debt validation letter to XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX On XX/XX/2023 I sent out a Debt Validation letter by XXXX XXXX mail with return receipt that was received and signed for on XX/XX/2023 by a XXXX XXXX ( Agent ) of XXXX to validate an account that is reporting on my credit report and I received NO RESPONSE as of this day XX/XX/2023. This account is currently reporting negatively on my credit report as of now. According to the FDCPA this is a violation and I would like a complaint to be filed also have the situation remedied in a timely manner.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98445	Web
AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Reporting the following ( less account info here for privacy ) to the credit bureaus on my behalf without the written instructions of myself the consumer. I have no relationship or agreement with the company named above, therefore, they do not hold any permissible purpose for claiming or reporting this information. I am filing a report of identity theft against Americollect. Re 15US Code 1681b Adt'l info regarding fraud : LOAN TYPE : COLLECTIONS AGENCY/ATTORNEY DATE UPDATED : XX/XX/2023 BALANCE : {$580.00}
02/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29681	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
04/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53546	Web
I have tried to have them send me information about my owed debt with a break down. They told me that there was no way of sending this information ( XX/XX/22 ). They didn't disclose that they were placing interest on my owed debt or explain anything about my owed debt. They claim that the provider is the one that is placing interest on my owed debt. I have talked to the provider that I owe the debt to, and they told me they do not put any interest on my debt. They also, will not send you confirmation when stopping auto payments or any other information you ask for.
11/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 541XX	Web
I have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015.
12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32073	Web
I recently requested a copy of my credit report online and discovered that a Collection agency is reporting to my credit file by the name of AmeriCollect in the amount of {$72.00} I do not recall this account nor the origin of the alleged debt. Simply sending me a Statement claiming I owe this alleged debt is not proof of a valid claim. I would need to receive a true bill in order to respond in kind to this alleged claim. Meanwhile, this account created in my name and reported to my credit by AmeriCollect is causing me financial distress and undue XXXX
10/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
For some reason this showed up on my credit again. I sent them a letter and they did not respond. They did this before. I want this removed off my credit and someone to call me to figure this out. I have received nothing, nor have the even tried to contact me again. Just go around destroying people during a pandemic. I once again ask for the CFPB to full investigate this company. Their tactics of destroying people is appalling. This is demoralizing and deceitful. I can't continue to battle them and work, take of my family, and try to lead a normal life.
09/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53223	Web
I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency have completely ignored my request and have given no written correspondence in regards to my matter. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency is ruining my my reputation and creditworthiness and is in direct violation of the FCRA.
06/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77532	Web
I noticed XXXX collections on my credit report from Americollect. I sent for validation of the debt since it did n't state who the original creditor was. it only had XXXX and one for XXXX . Americollect never responded, yet they continue to report this inaccurate information on my credit file. This agency is not bonded to collect in my state. They are operating illegally and they are violating the laws of the Fair Debt Collection Act. This agency never sent me a letter or anything notifying me that they were putting anything on my credit.
10/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web
I am in receipt of your letter dated and XX/XX/2021, in response to my letters dated XX/XX/2021, XX/XX/2021, and XX/XX/2021 respectively. I requested debt verification. However, the documents that I requested pursuant to my verification request were not provided. Namely, I asked for a contract or agreement signed by the parties and an itemization of the debt. You failed to provide the requested documents pursuant to my specific verification request to you. I never received such a letter dated XX/XX/2021 containing a legal validation notice.
11/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32043	Web
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information to validate the debt, you are by law required to delete all entries off my credit report ASAP.
11/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60178	Web	Servicemember
I had disputed the debt with Americollect for {$1000.00} they are trying to collect from a hospital. I was insured by Medicaid for % 100 of all hospital services and had given my insurance information any time I went to hospital or physician. The account was placed for collection XX/XX/2013. Americollect had not sent me notice that it was to report to credit reporting agencies. This account has to be from a billing error. I have not received an Itemized bill from hospital or americollect or who has been billed in regards to services.
09/26/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MO XXXXX	Web
AmeriCollect continues to harass me about accounts that are a direct HIPPA violation. I have repeatedly disputed these accounts. AmeriCollect did not provide me a copy of my signature with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately. XX/XX/15 ( {$54.00} XXXX, XX/XX/15 ( {$160.00} ),
04/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 647XX	Web
I have contacted the company multiple times as well as disputed the item on my credit report. I have NEVER been to a hospital in XXXX XXXX or XXXXXXXX XXXX. I HAVE provided a police report to them as well as XXXX to show identity theft. I have requested MULTIPLE TIMES for PROOF that this charge was made by ME. I have asked for signature pages and a copy of the id that was used. They refused to provide this. My next step is to involve law enforcement at a higher leve and prosecute the company for fraud.Please have this removed asap.
07/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 314XX	Web
I got a notification from my credit report that a collection account was put on. I have received nothing from this company that they have any bill of mine. Im a college student and with this pandemic it hard but I pay my bills. I would have set up a payment plan like the rest of it was my debt and was notified of such debt. This is the only negative thing ever on my credit. I worked hard to have good credit and a clean credit report and for them not to notify me of anything is unacceptable and against the Fair Credit Reporting Act.
05/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19152	Web
XXXX / XXXX / XXXX {$3200.00} XXXX / XXXX / XXXX {$25.00} XXXX / XXXX / XXXX {$440.00} XXXX / XXXX / XXXX {$4000.00} XXXX / XXXX / XXXX {$370.00} XXXX / XXXX / XXXX {$15.00} XXXX XXXX / XXXX / XXXX {$22.00} XXXX / XXXX / XXXX {$510.00} XXXX / XXXX / XXXX {$43.00} XXXX / XXXX / XXXX {$47.00} XXXX / XXXX / XXXX {$53.00} XXXX / XXXX / XXXX {$1200.00} XXXX / XXXX / XXXX {$2000.00} THE COMPANY AMERICOLLECT ADD THIS ACCOUNT TO MY CREDIT FILE THIS IS NOT ME, I being talking to the company and not much is resolve
09/11/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI XXXXX	Web
Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called onXX/XX/3019 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Calls from Americollect. I do not have any debts to my knowledge. Always has a recorded message. Sometimes the message would be halfway finished when my voicemail picks up and sometimes the message would start when my voicemail picks up. One time I did pick up the call to ask them to stop calling and it was a recorded message not a human being.
07/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 127XX	Web
I started contacting the company asking for validation of this debt letter dated XX/XX/2017 the collection company wrote back say that the debts are being validated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent a letter back to them asking for an update on my validated debts because it had been past 30 days and i have n't received an update. On XX/XX/XXXX they sent a letter deeming my request for validation as irrelevant and frivolous. They had already started the investigation gave me no information to prove this debt was valid
06/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
About ten days ago ( XXXX XXXX, 2017 ) and again today ( XXXX XXXX, 2017 ), I received two phone calls with voice-mail messages left on my phone. Caller is male, sounds foreign ( XXXX? ), identifies as " XXXX, with ID badge No. XXXX, calling from Americollect.com ''. He claimed he was calling " about a debt '' but did not specify what or owed by whom, and left a return number of XXXX. XXXX invited a return call or to chat online with him at XXXX. I have no debts outstanding in any delinquent status, so this sounds like a scam.
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33558	Web	Older American, Servicemember
I am a XXXX XXXX female enrolled in the XXXX XXXX XXXX XXXXn. Under the plan I am only responsible for a daily XXXX charge of {$120.00} when I was admitted back in XX/XX/2021. The insurance plan paid for ALL services rendered in the XXXX but a bill for {$170.00} was sent to me for lab. tests. Under XXXX XXXX XXXX balance billing is NOT allowed! The creditor ; XXXX XXXX XXXX XXXX XXXX XXXX filed a notice with a collection agency to recover {$170.00}. Since this is a balance billing matter it is NOT allowed under XXXX XXXX rules.
10/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53218	Web
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back XXXX in the process of purchasing a home for me and my family
02/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98498	Web	Servicemember
My ex-wife has custody of our daughters. They all live together and none of them speak to or see me about anything. She takes the girls to medical and dental appointments and then refuses to pay the bills. Because of our divorce/child support, I have to provide medical/dental insurance. When unbeknownst to me, she takes the girls and skips out on the bill, the providers contact me for payment for services that I didn't know about, initiate or authorize. Now I have several collections on my credit report negatively affecting me.
03/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07013	Web
I received no written notice on the debt owed from the company. I received two robo voicemails : one on XX/XX/21 from XXXX XXXX IL, XXXX on XX/XX/21 from XXXX XXXX, FL. From there, the calls were then blocked automatically for appearing to be fraudulent. Calls were made from numerous different locations, and without any written notice given, this seemed to be a scam. Then, still with no written notice, and no further contact, Americollect issued a derogatory mark on my credit. No actual information was given to pay this debt.
10/24/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19702	Web
HIPAA VIOLATION According to a recent copy of my credit profile AMERICOLLECT is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which they have responded. Their response is a clear violation of my rights according to HIPAA. AMERICOLLECT did NOT provide me a HIPAA release that releases my medical information to them.I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. Acct # XXXX / XXXX
10/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web
This collection account by Americollect has been plaguing my report for months saying I owe for 3 accounts. The bureaus are working on investigating and XXXX and XXXX have deleted 2/3 while XXXX has claimed they verified. How is this so? I first communicated with Americollect requesting information to validate this debt. They sent me invoices after clearly stating I need to see written proof of this debt or they need to remove the erroneous information post haste. I have sent two certified letters to them with no response
12/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
I've disputed this alleged debt this year and last year and it was proven that this alleged debt isn't mine. For some reason this debt keep coming on my report in a portfolio of debt that has been bought. I'm tired of proving my innocence that this debt doesn't belong to me, I'm tired of being taken advantage of. I've seeked counsel to help me with this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm willing to call off my attorney if alleged debt is deleted from my report from all reporting bureaus
11/23/2021	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MI 49504	Web
I was reviewing my consumer report and I noticed collection activity from Americollect Inc expressing that I owed a alleged debt of {$350.00}. Believing that this debt was paid in full, I then sent a debt validation to them. On XX/XX/XXXX, I received an letter with an itemized statement that had information from the hospital about myself that I didnt even know. These medical records are a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Americollect to have access to this information.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 315XX	Web
A medical facility billed us in arrears for a medical office visit. The amount that they billed was far in excess of the amount stated by the staff when we showed up. I have refused to pay due to the fact that their error is what caused the higher balance. I have tried to resolve this matter with their collection agency, AmeriCollect. directly and have had no luck in getting it resolved. I have properly sent them a dispute letter within the 30 day period, yet they still submitted a negative mark to my credit report.
07/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 61107	Web
I have made several phone calls regarding this debt from Americollect as they are the debt collection agency that has purchased the original debt from XXXX XXXX XXXX. I am a Medicaid patient and it unlawful to collect from a Medicaid patient an entire, partially paid or non paid bill. As a Medicaid patient this is not supposed to be on my credit nor being reported that this is a debt that I owe. My insurance carrier has advised them this is not covered due to being out of network and this was an emergent occasion.
12/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 640XX	Web
I have called the hospital in XX/XX/2019 about not receiving a bill and being sent to collections and they stated that they had my address and it was the slating address, I stated that it was funny because the hospital owns the clinic my primary doctor is out of and their system is linked. Contacted them again in XX/XX/2019 about not receiving another bill and they stated they still had my address in XXXX, MO which is wrong still. And now there is yet another collection on my account from a bill I never received.
09/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 530XX	Web
americollect DID NOT EVEN SPEAK ABOUT THE REASON I SUBMITTED THE FIRST COMPLAINT TODAY. XXXX?!? ARE THEY EVEN READING WHAT I WROTE? AND YOU GUYS CLOSE MY COMPLAINT BECAUSE THEY SENT A LETTER THAT HAD NOTHING TO DO WITH WHAT I WAS COMPLAINING ABOUT. I HAVE PAID OFF THOUSANDS OF DOLLARS IN MEDICAL BILLS THAT WERE IN COLLECTIONS AND THEY WILL NOT UPDATE MY CREDIT REPORTS!! 3 OF THEM. WHAT ARE YOU GUYS GOOD FOR? YOU DO N'T EVEN MAKE SURE THEIR RESPONSE IS IN DIRECT RELATION TO THE COMPLAINT. WASTE OF TIME HERE!!!!!
02/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32210	Web
This company, which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$460.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account through U.S. mail on XX/XX/2018. However the business failed to provide adequate proof. Considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
06/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53214	Web
I wrote a letter to Americollect on XX/XX/2018 because they have reported incorrect information into my credit bureas ( XXXX, XXXX & XXXX ). I sent a certified letter to them to send me a validation letter so I can verify this account. The amount collecting is {$170.00}. Based on the ( FDCPA ) Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( 8 ) a validation is requested. Americollect have ignored the validation request and they continue to report this information illegally to the credit bureaus.
05/21/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 191XX	Web
Company Has called me repeatedly daily and has left over 15 voicemails within a months timeframe but failed to notify me in writing about the alleged debt that's owed. I never signed a contract with this company. This company is in violation of the HIPPA law as well as well as 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 475XX	Web
These companies have violated my rights in accordance with the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act convergent accounts Americollect INC, Accounts Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A : States i have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
04/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web	Servicemember
Over the past few years I have been fighting with these agencies to properly verify these debts of XXXX ( two debts ) and XXXX with this americollect account on my credit report. I sent a verification of debt to americollect which they responded ( see attached ) These companies have yet to remove this debt from my account. Nor did they conduct proper investigations on these accounts because americollect couldn't even validate them. I am requesting immediate removal of these accounts from my credit report.
10/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19144	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX and a Balance of {$68.00} was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
02/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 53218	Web
I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.
11/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
I have reached out to this company many times and have not received anything. They say my complaint " deemed frivolous or irrelevant ''. Which I find disrespectful and deeming to me as a person. I sent an email for two individuals on the executive team to discuss the situation as the person who responds to these complaints is not professional and talks down to me as I am stupid. I have requested contact from the company with no response other than just applying it to my credit and destroy my livelyhood.
06/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53406	Web
I filed a complaint 2 weeks ago. Stated I never received a letter within the 5 days of initial contact like federal law states. After the company received my complaint they then sent me a letter of my debt, approximately 4 months after the initial call. I have received 17 accounts they claim are owed. 13 of those 17 are not my debt. They are not under my name. Furthermore I still have not received a statement describing my right to dispute the debt. Federal law states they must send me this information.
08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53208	Web
I have a loan with XXXX XXXX XXXX AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
10/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 783XX	Web
americollect XXXX XXXX XXXX americo collect sent me to collection for a medical bill when I went through a Covid 19 pandemic, and I don't even have a job to pay for food for my family. there is little communication from them in trying to solve this problem of their payment of money that is only XXXX dollars. Please, I am willing to start paying after the pandemic is gone, but now I am going through a very difficult situation and I need a temporary break. Thank you and I would appreciate your help.
11/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07055	Web
I was sent by my doctors to receive an XXXX after my XXXX. I was covered my medicaid and XXXX at this time. However, my plan had changed from " XXXX woman '' to " XXXX mother. '' This did not affect my coverage. Simply the number of my policy. The hospital tried billing my old policy number and was informed that i was not covered in that plan anymore and billed me. I provided the new information, and was told IN XXXX, that this debt had been paid for and cleared. However, the calls have not stopped.
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32277	Web
Im accordance with the fair credit reporting act AMERICOLLECT {$100.00}, AMERICOLLECT {$150.00}, and XXXX XXXX XXXX {$1200.00}. Has violated my rights. 15 U S C 1681 section 602 A.states I have the right to privacy. 15 U S C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U C S 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
01/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 891XX	Web
The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.
01/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 54313	Web
My wife answered a call on XXXX/XXXX/16 from XXXX, at XXXX. Searching on-line the number belongs to They want my date of birth regarding a debt. My only debt is my mortgage, which is current, so the is no reason a debt collector should be contacting me. My wife refused to provide my date of birth and told the person that this same type of calling occurred last month. In that case they stopped calling after the fourth time. She received a 2nd call at XXXX from the same number for the same thing.
10/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
I am tired of doing all the leg work. I emailed the company and asked for a call from Senior Management members and asked for them by name and no response or call. Once again on my credit is ruined my credit and my reputation. I want to come to some sort of amicable resolution, but this has been the hardest task I have had to deal with in my life. I need for my communication to reciprocated versus just hitting my credi. From my perspective Americcollect version of good luck and we do not care.
04/01/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10801	Web
AMERICOLLECT wants me to pay a bill for a time I was covered by health insurance and refuses to bill my insurance company for payment. Although my insurance company agreed to pay the bill. AMERICOLLECT chooses to report that on credit report that they are trying to collect payments from me. This makes no sense. They hospital in which I received care claims I have bill owed but AMERICOLLECT says they are collecting on behalf of the doctors that work there but will not provide me any proof.
10/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32207	Web
I am making this complaint in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit maintain accurate information per the Fair Credit Reporting Act. I do not have a contract with this company. I am not responsible for this debt. please validate the debt and provide my signature in which I signed stating obligation to pay said debt.
03/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33054	Web	Older American
It's the three of them. XXXX XXXX eliminated one of three negative remarks, they refuse to drop that dept that i don't owe, they even still tried to add it but i told them their not owed a dime. The other two negative rematleks are for a total of XXXX dollar 's, the two copays i could not afford. At the hospital and they knew i could not even afford medication. I have proof i should not have to pay anything. But collections want XXXX of dollar 's that i will fight to my last breath.
01/11/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90019	Web
You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( XXXX ) mandated that on XX/XX/XXXXXXXX XXXX XXXX XXXX effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the Biden administration that was put in place to protected classes as myself and this company is not in compliance to this law.
11/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 435XX	Web
When i was under age my mom took me to Hospital. The debt was not paid. Since then I have turned over XXXX. And the hospital put the bill in my name and I was unaware of this bill. The bill amount is for {$210.00}. As this bill shows up on my credit report. I have tried to dispute this bill. With the collection agency and XXXX and XXXX And the collection agency still will not remove it. XXXX asking to remove this account from report as I feel it violates my HIPPA rights. Thanks
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77005	Web
I contacted Americollect about reporting errors on my credit report XX/XX/XXXX. This account was challenged one year ago, and still, no notice of dispute, which is required, has been submitted. This account was also challenged and deleted from XXXX XX/XX/XXXX. Americollect responded by sending a copy of my medical procedure from the original creditor, which is a HIPAA violation. Americollect did not furnish written authorization from me to obtain my protected medical information.
09/19/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34234	Web
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment telephone calls from Americollect. Im requesting this company to cease & stop contacting me about a debt I dont owe. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Americollect continues to contact me I will file harassment charges and a lawsuit against this company.
02/16/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 750XX	Web
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Americollect Inc using address XXXX XXXX XXXX, XXXX, WI XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89031	Web
I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
01/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I have recently Disputed this matter with XX/XX/XXXX and XX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I have recently Disputed this matter withXX/XX/XXXX, andXX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
05/18/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 53218	Web
Americollect XXXX XXXX XXXX XXXX, XXXX, WI XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.
03/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 54220	Web
I was injured at work, onXX/XX/2018, I went to the walk in clinic, and a XXXX XXXX XXXX claim was filed.In XX/XX/2018 I received a letter from a collection agency, saying that I owed XXXX XXXX XXXX , I never received a bill, This is a XXXX XXXX XXXX issue, I called Americollect, and told them about it, I called the third party billing service for XXXX XXXX , to get this straitened out, to no avail, this bill should have been sent to XXXX, the company handling my XXXX claim.
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act
07/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32216	Web	Servicemember
AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$940.00} Balance updated XX/XX/XXXX XXXX provided AMERICOLLECT with my medical information without permission. Theyre reporting an incorrect bill for services that were covered by XXXX XXXX XXXX XXXX XXXX XXXX This is the second time this company has tried to place a medical bill on my credit. The last time they tried it was XXXX and was told my XXXX to remove the collection as the balance wasnt paid by fault of XXXX.
06/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53214	Web
The medical debt incurred by Americollect was done while I had health insurance and placed them under a previous bankruptcy. When informing the representative of this and that my file needs to be rechecked they informed me that they did not care and that the debt was owed. I never received notice of the debt and it was never validated and I never received a bill period, it was just continuously put on my credit for the last four years back to back with change of dates.
02/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
On XX/XX/XXXX, XX/XX/XXXX I reached out to XXXX regarding incorrect information reporting on my XXXX report regarding Americollect. On several occasions XXXX responded that Americollect had been verified as mines. However upon my request no proof of verification was received from the above mentioned companies. I also attempted to contact Americollect directly by certified mail on XX/XX/XXXX where I still have received no response from the collection agency as of date.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 714XX	Web
This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report Please see below for detials. Americollect INC XX/XX/XXXX in the amount of {$220.00} Americollect INC XX/XX/XXXX in the amount of {$130.00}
06/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 491XX	Web	Servicemember
We paid a debt for medical services and provided a receipt and bank statement proof that it was paid. They called threatening to send our debt to collections several times despite us asking to only communicate by certified mail. We then paid the debt a second time, due to the threats. Now, we are being harassed by a collection agency with calls and mail asking for the debt. When asked, the original creditor would not contact the collection agency to retrieve the file.
03/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 631XX	Web
This company has contacted me with fraudulent information serval times. I have documentation showing that i have payed all my medical expenses dealing wit XXXX XXXXXXXX XXXX, which has transferred my cases illegally without my consent to americollect. In documentation It shows XXXX dollars was paid to cover all of my medical expenses considering that XXXX. XX/XX/18 All debts where paid My Laywers have been contacted apon this request if not handled in timely manner
07/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
I have tried several times to contact the company AmeriCollect about a duplicate account that they are reporting to my credit report and it is affecting me from obtaining credit. My last dispute I attempted was last month and it came back verified and updated. The accounts are the same. Same amounts. Only difference is that one has an A added to the end of the account number. One was reported on my account on XX/XX/XXXX and the duplicate was reported on XX/XX/XXXX.
08/06/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 18360	Web
I just opened a XXXX XXXX and noticed Derogatory marks from Americollect XX/XX/2016 saying I owe them {$440.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this so called loan. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
12/10/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 600XX	Web
XXXX and the XXXX XXXX XXXX XXXX has sent in accurate billing to XXXX collect dating back to 2016. While I was under states insurance XXXX billed me two times sending this to collections with Americollect. This is in accurate fraudulent charges on my credit report. Americollect has also billed me multiple times with an accurate medical billing claims and estimated charges of over {$14000.00} completely destroying my A1 credit. no help and absolutely no remorse.
03/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI XXXXX	Web
I have made several attempts to collection valid information from Americollect Debt Company but the refuse to send me valid verification information and the last letter I sent in XX/XX/2019 I did not receive any response from the company. The unverified debt is listed on my credit reports and I would life it deleted as soon as possible or I will take further legal action. The company also changed the account numbers to XXXX from several other account numbers.
06/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
I received communication from Americollect claiming that I owe {$490.00}. Under the Fair Debt Collection Practices Act, I sent a certified letter with my current address to Americollect to request validation of the debt as i did not recognize it. The letter was delivered on XX/XX/2020 and to this date have not received a response. As it has now been 30 days, this is required to be removed from my credit report and i have received no communication whatsoever.
05/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27858	Web
I was contacted by Americollect concerning a small medical bill of {$160.00}. What they did not realize is that this was not my medical collection but my wifes medical collection. I paid for the collection and asked politely to have it removed from all three of my credit bureaus being XXXX, XXXX and XXXX. They have refused to do so. Again legally they have no right to attach a debt to my social security number or my credit report when it clearly is not mine.
08/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74021	Web
I have had numerous calls to recieve the original purchase agreement to show that they are the legal owner of the debt and for the terms and agreements of the debt since late spring around XXXX or XX/XX/2022 and XXXX of 2022. I have asked for all the documents to be sent to the adress in oklahoma but has never recieved any sort of paperwork for any documents requested. Furthermore the reason for my request is to see if there were any H.I.P.P.A violations.
09/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63304	Web
Americollect located on XXXX XXXX XXXX XXXX. in XXXX, WI attempted to collect alleged debt with Reference # XXXX on behalf of XXXX. First collection attempt occurred via mail dated XX/XX/2022. A debt validation letter was sent to Americollect on XX/XX/2022 via certified mail with return receipt. Americollect received this letter, but failed to respond. Americollect again attempted to collect the alleged debt on XXXX XXXX, 2022 in violation of the FDCPA.
01/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32210	Web
On XXXX XXXX,2018 I was going through my credit reports and saw a medical bill that i did n't recognize.So what i did i wanted more information about the debt so I faxed company a Validation Letter requiring the things they need to verify the debt.The weeks later the company sent me a bill but they did n't send the other requirements needed to verify the debt.So as of now the debt is not valid and and need to be removed from all reporting credit bureaus.
02/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78253	Web
Recently I checked my consumer report and noticed a collection from a company I never contracted with nor have i extended any credit with or done any business with at all. They are claiming I owe an alleged debt that I do not owe. I am fully aware that my consumer rights have be violated under the FCRA and FDCPA and would like all information be removed from the consumer reporting agencies and cease all communication and attempts to collect alleged debt
04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 735XX	Web
I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.
03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27610	Web	Servicemember
I have attempted to resolve the following issue with the company listed on multiple occasions. They are attempting to collect on a debt not owed of XXXX for medical. I have not any record acquiring of such debt, nor has the company provided any proof of validation or signed documentation that we have ever done business. I have requested that they remove the following item from my report and they have failed to comply or provide a response to my request.
06/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 313XX	Web	Servicemember
Americollect has reported a medical debt to all 3 credit beareus as a " other '' loan for a sum of {$140.00} without contacting me in any way. This bill has already been paid to the XXXX for an XXXX visit back in XXXX XXXX XXXX but they are showing that the account is still open. When I contacted them by the number on my transunion report they told me the ONLY way they would close the account is by granting them electronic access to my bank account.
03/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32277	Web
I started disputing this company since XX/XX/2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. Collector sent me a basic print out of medical bills on their system. That isn't proper Validation. By law if you cant provide proper documentation then accounts needs to me removed.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 280XX	Web
I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score. Account # :
09/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
On XX/XX/XXXX I contacted Americollect via Certified Mail about validating a debt that is on my credit report in the amount of XXXX $ opened on XXXX XXXX, XXXX. I have asked the company to please send me verification of this debt and they have failed to do so. I feel as if the company can not verify that it is my actual debt and I am asking that it be removed from all 3 Credit Bureaus, or for the company to send me proper verification as requested.
08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53216	Web
I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with americollect. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.
09/26/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WI 53149	Web
Company reached out to me the for the first time on XX/XX/2023. They said that the debt was listed on XX/XX/2023. There was never any letter received and looking in the account history, it shows there was never any statements. This was a blatant drop on their end as we are now over 100 days until first contact with not proper way to verify this debt as mine. There is legal obligation to make contact within 30 days. It should never take 105 days.
05/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
I written Americollect and requested all items pertaining to the collections account. and proof of how this debt is owed to me. This is not adequate proof of the debts belonging to me. Americollect has failed to validate or verify that these debts belong to me according to the fair credit reporting act, Americollect SHALL provide documents proving debt owed and they have failed to do so. I am requesting immediate removal from my credit report.
09/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32258	Web
On XX/XX/2021, I sent in a request for validation to said Company AMERI COLLECT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
05/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 61109	Web
I was allegedly accused of owing the amount of {$1000.00}, on XX/XX/XXXX. The name that the billing statement was made out to is not my name. I sent a debt validation letter on XX/XX/XXXX and I received medical records with the same incorrect name. I also never signed a HIPPA form authorizing them to have access to any medical information of mine. Please delete this information from my credit file and cease all collection activities immediately.
03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32771	Web
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. Collection account from AMERICOLLECT with account # XXXX and a balance of {$180.00}. The original creditor is XXXX XXXX XXXX.
06/30/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 32225	Web	Servicemember
On XX/XX/2021, I received a letter from Americollect. I had previously asked them to validate a debt they were collecting on. The letter stated that they have received, verified, & validated with the credit bureau ( s ) and responded to me. They said my dispute has been deemed frivolous or irrelevant and there will not be an additional investigation on the matter. I have not received any other correspondence from Americollect prior to this one.
05/18/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53211	Web
I consumer XXXX did not enter into an agreement with Americollect have submitted a dispute several times with this company via the data mining company XXXX on date XX/XX/2022, I was told via XXXX that " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However, the investigation does not meet the requirement, there was no proof submitted to me to verify what XXXX did to investigate this matter
01/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77573	Web
I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
01/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77449	Web
I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
11/17/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WI XXXXX	Web	Servicemember
I am writing in regards to a notification I received today XXXX/XXXX/2017 on my credit reports. A collection was added to my reports and I want it removed immediately! The company is Americollect and the amount is for {$170.00}. I have never heard of this company and I do not owe them any money! I never received a dunning letter in the mail to dispute this matter. I want this inaccurate information removed from my credit reports immediately!
03/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33569	Web	Servicemember
Americollect has put medical debt {$740.00} on my credit that I do not owe and destroyed my credit for a company called XXXX XXXX XXXX. I never signed for it, don't know doctor involved nor why I am being billed as a XXXX VET, XXXX XXXX XXXX XXXX XXXXXXXX receiving free benefits and need the details of this alleged creditor in order to dispute via attorney. This action is a HIPAA violation and a violation of the " no surprise " billing act.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 544XX	Web
I sent a debt validation letter on XX/XX/2022 and XX/XX/2022 to AmeriCollect Inc and XXXX XXXX XXXX and each time both companies failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98373	Web
Americollect I just recently paid off the XXXX dollars in full on one of my collections and the other saying I owe XXXX dollars I set up for a payment arrangement now on my file it says closed when it was open and nothing on my credit score has changed Im trying to build my credit right now and do all the right things and now Im at a stand still even when Im setting up payment arrangements and paying off debts this problem needs to be fixed
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29316	Web
In accordance with the fair credit Reporting act XXXX XXXX Agencies have violated my rights. * 15 U.S. Code 1681 Section 602 States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
03/28/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 490XX	Web	Servicemember
I was notified by Americollect that I owe XXXX dollars. When I asked for proof, they gave me no proof of me actually owing the debt. Instead they attempted to get me to give them info to " confirm the debt '' I would not, they have contacted me too many times without giving me information that confirms my debt. They are not licensed to collect in my state, they therefore have no right to even collect the alleged debt that I do not owe.
03/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 99223	Web	Servicemember
A company called " XXXX '' keeps calling me. The just say they are trying to get more information to collect a debt. They don't actually specify what the debt is or if it is even mine. They are calling about 2-3 times a week. I have receieved no written notice of ant debts and have no knowledge of any debts I owe. When I searched the company online It looks like it may have been dispanded. And I can't find any actual information on it.
03/07/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77357	Web
Americollect is trying to collect on several medical bills that are not mine. I asked them to validate the debt and they sent an break down of all debt BUT they are not mine. There is nothing other than the name and address that links this to me. They did not show anything with Date of birth, or Social Security number. They are only using my name and my name is common. None of the items they are reporting to the credit bureaus are mine
01/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33054	Web
UPON CHECKING MY CREDIT I NOTICED A COLLECTION AGENCY REORTING THAT I OWED THEM MONEY WHICH I WAS UNAWARE. I RESERCHED THE COLLECTION AGECNY AMERICOLLECT INC ON FLORIDA OFFICE OF FINANCIAL REGULATION AND ACCORDDING TO MY FINDINGS AND FLORIDA OFFICE OF FINANCIAL REGULATIONS AMERICOLLECT INC IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT THIS ALLEGED DEBT. THEY ARE IN VIOLATION AND CAN BE FINED. ( please see attachments )
03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46229	Web
Americollect Inc. is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I immediately called and settled this debt with them. I had never received a letter, call or any notices regarding the debt I had with them. This violates my 30 day right to dispute or the right to pay it before it reports on my credit. I ask that you delete the collections from my credit file.
06/05/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	WI 53211	Web
Americollect claims I owe money for a medical bill. They placed several calls to my employer but did not call me. When my employer returned the call Americollect informed them that they were attempting to collect a debt from me. I called Americollect and they informed me that my work number was what they had for contact information, but I have never given my work number to anyone - I did not even know the number and had to look it up.
02/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46143	Web
In accordance with the Fair Credit Report act, AMERICOLLECT INC, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
02/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32092	Web	Servicemember
I had to go to the ER in jax fl in late 2018 and my insurance covered all the bills except for the {$530.00} and the hospital said they would waive it since i was a teacher and made less than $ XXXX- which was their income cap to waive remaining liability. I faxed in the income docs but the clerk never filed them so they turned it over to collections. It should NEVER have been reported as the hospital said they would waive it for me.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61615	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 303XX	Web
I already raised concern about the collection record on my account for XXXX XXXX. My concern is if I did not get any call for any debt how would I pay it. I did not even know about the amount for XXXX XXXX Hospital and one day suddenly I saw debt collection in my account which is not valid. Also I want Americollect to remove that collection record from my account. They can not add collection record without even informing customer.
06/06/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89074	Web
I sent out a dispute letter in XX/XX/2022. I requested to validate the medical debt and informed them of a HIPPA violation as they sent my information containing sensitive information I did not authorize to release. Their response to me was that my dispute was deemed frivolous or irreverent They also did not validate the debt or confirmed if they are a legitimate business or legally allowed to collect debts in my state of Nevada
06/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32257	Web
I had a previous complaint XXXX and the company placed it on my credit without my knowledge and did damage to my personal and professional life I might never recover from. Their response was that they would mark as a dispute. I checked my credit today and that did not happen. On all three credit report they were marked as open collections and I had to go and dispute them. They did not take the steps that they said they would do.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62702	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
05/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31322	Web
AMERICOLLECT INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND AMERICOLLECT INC IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. AMERICOLLECT INC is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07621	Web
In accordance with the fair credit reporting act XXXX account # 12345 has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
09/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77459	Web
In accordance with the fair credit reporting act XXXX Account @ XXXX, has violated my rights. 15 USC SECTION 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
06/21/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 537XX	Web
In 2016 I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in the hospital for 3 weeks and was XXXX for a few months. I had medicaid. These debts were supposed to be paid by Medicaid. In XXXX I called medicaid with Americollect and medicaid verified I had coverage but that they wouldnt pay as its over a year old. XXXX XXXX recognizes they made a mistake and said they would remove it from my credit but they have not yet.
03/24/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32225	Web
I had an XXXX XXXX XXXX did not submit the claim to my insurance company. Sold the debt to the collection agency. Collection agency XXXX provided me with an itemized bill in months so I can submit to my insurance company. There has been multiple attempts to get the information and they keep giving me credit derogatory marks and refuse to remove them. They also said that until it is lid, they will keep damaging my credit.
05/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 498XX	Web
XXXX XXXX {$32000.00} is a work comp bill that is in dispute. Insurance company paid all claims then asked for reimbursement when found out we were in litigation. Claim filed with the state since this is not listed as policy in our health insurance agreement XXXX XXXX XXXX should be held responsible until if or when we are compensated from our legal litigation and then the insurance company would be paid back.
03/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77449	Web
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. Ive never done business with them and This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
11/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55024	Web
Americollect is not registered to collect medical debts in Minnesota. The company has repeatedly not responded within 30 days and continues to report unverified, inaccurate information against me. XXXX and XXXX has already deleted these accounts from my credit report for FCRA violations. I have attached proof of this. I am requesting Americollect removes the two alleged debts against me for FCRA violations immediately.
06/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63052	Web
Follow up to complaint XXXX, which was closed without proper resolution. I have attached the additional documentation from the XXXX XXXX billing system showing that there was/is no balance owed. This billing data clearly states that there was no balance remaining after the {$22.00} that Americollect 's records show was paid to XXXX XXXX. Please remove the incorrect collection claims from the three credit bureaus.
07/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32246	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX Account Number : XXXX
11/27/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31419	Web
XX/XX/2018 I contacted Americollect in response to a claim I owe a debt to them I asked that they validate their claim, after no response they posted negative inaccurate incorrect information on my credit profiles I disputed again and filed a complaint with CFPB, I received a letter claim to be an itemized list for a XXXX XXXX XXXX with the balance reporting {$0.00}, I DO NOT HAVE A DEBT WITH AMERICOLLECT
09/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 480XX	Web
On XX/XX/2020 I contacted Americollect about a debt via certified mail. The debt in question is reported twice on my credit report in the amount of XXXX $ opened on XXXX XXXX. I never received notice of this debt, and it is being reported on my credit report. I have written the company for validation of this debt and the company never responded. It has been 30 plus days since contacting the company.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 304XX	Web
I have sent debt collection letters and dispute letters to the credit bureaus and the to Americollect. These letters were sent XXXXThe company is reporting inaccurate information on my credit report. The date last active in at least a year apart between all three credit bureaus. According to 15 U.S. Code 1679c a consumer has the right to dispute inaccurate information found on their credit report.
09/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$150.00} Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$220.00}
03/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33905	Web
Debt Validation Letter asking to cease reporting until the debt was verified by me along with a copy of my signature with the provider to release medical information. ( Consumer ) sent XX/XX/2021, Debt collector responded on XX/XX/2021 with only a statement and no documentation with my signature. Debt collector violated the following : 15 USC 1692 b ( 5 ) 15 USC 1692 b ( 2 ) 15 USC 1692 d ( 2 )
10/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Servicemember
There are four (4) separate credit reportings that were opened on XXXX XXXX, 2014 (3 yrs, 9 mos) by XXXX XXXX XXXX XXXX. This is a gross misrepresentation of services received and these debt are not mine. I never received an services at this facility or or by their corporation. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity.
09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 303XX	Web
Regarding case no- XXXX I don't know what was the mailing address because I did not receive any mail from XXXX XXXX and I only got one call from them asking for copay of XXXX $ and I paid that amount right away. Now what is the next step what I need to do to remove that collection from my account. I am ready to pay this amount as well but I want this collection to get remove from credit report.
07/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 304XX	Web
i written the following companies with a debt validation letter and had no response, The company americollect and XXXX XXXX. I asked them to provide the original contract with my signature, the full payment history, name and address of original debt collector, and proof that they own the debt or have permission to collect. i have not recieved these and i would like them removed from my report!
09/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 485XX	Web
The collection agency is attempting to collect debt I do not owe. They are attempting to " balance bill '' after the original creditor was paid what they agreed to accept from my insurance company for services. They have placed it on my credit reports and also have called excessive number of times to my place of employment. They have also let my coworkers know that the call was about a debt.
06/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77578	Web
I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ). Instead, I receive a generic letter without any of the information requested. Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history.
05/23/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33160	Web
I'm constantly receiving harassing calls day and night several times at all times of the day and night. They've also contacted my employer, family members, friends, neighbors, and landlord. I've asked them to stop. They continue to harass me and I want it to stop right away. If they need to contact me, all contact should be in writing only. All writing should be directed to me and only me.
11/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80922	Web
I was charged for services they were not completed. Never received results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was told to go home. I never received a bill for the debt and then was contacted by Americollect about the balance. I told them what happened and they advised the amount would be taken care of. I thought it was fine since no other contact or correspondence was sent.
07/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77007	Web
I have reached out to this collection agency numerous times ( 3-4 ) in the past months with no response back from them. I called and sent in 2 letters via mail and 1 through email asking for verification of debt that they say I owe and my signature releasing any of my personal information to them and still no response. This violates HIPPA and infuriates me that they give no response back.
03/17/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 618XX	Web
I sent a debt validation letter to Americollect for a medical bill I did not recognize. They replied with the original bill. However, that bill had a list of procedures and other medical information. This is a clear violation of my HIPAA rights. I did not authorize them to have access to this personal information. In accordance with the law, they are now in violation of my legal rights.
02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 480XX	Web
On XX/XX/2020, I mailed a letter to Americollect to verify my debt in which they did not respond in a timely fashion. I contacted the CFPB on XX/XX/2020 regarding the company not responding to several letters asking them to please verify the debt the company then responded with a letter attached but the letter was not a bill, nor did it have my signature on it which makes it unverified.
08/30/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31525	Web
I have never been contacted by US XXXX about any debt and have no outstanding debt on my credit report. I have been called 3 separate time by this company ( Americollect ), all from different robocall numbers. In none of the voicemails do they ever indicate WHO they are trying to reach. Dates and times of the calls are as follows : XX/XX/22 @ XXXX, XX/XX/22 @ XXXX, and XX/XX/22 @ XXXX.
09/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07040	Web
Accessed my XXXX XXXX file and noticed that AMERICOLLECT who is a third party debt collector is reporting on the credit bureaus a medical bill from XXXX XXXX XXXX XXXX XXXXA debt validation letter and cease and desist letters will be sent out to AMERICOLLECT, XXXX XXXX and all credit reporting agencies disputing this inaccuracy on my and violations against me by the said companies.
08/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33160	Web
This is my 2nd attempt request to stop contact from this company. They continue to harassment me, my family, my employer, my landlord and I want it to stop. A few months ago they agreed to stop with the harassment ( which I have written proof from them ) but they have continued to do so and I want it to stop ASAP or I will take legal action against them for the constant harassment.
06/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
XXXX and XXXX response is the same and does not resolve anything. You placed it on my credit so you are responsible for the dispute/removal. This is a dirty tactic and placing the blame to the credit bureaus when it is your responsibility to ensure items are taken care of properly since you did this without notifying me. The CFPB needs to do a full investigation into this practice.
12/11/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 546XX	Web
Americollect is trying to collect a debt that is passed the Wisconsin statute of limitations. They are also reporting into my credit agencies showing that I owe the entire balance and it is negatively impacting my score there may also be duplicates of the same account on my credit score. I think this is manipulative business practices and they should be investigated and prosecuted.
08/21/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 530XX	Web
Medical bill sent to collection agency, Americollect in XXXX WI. Total owed {$810.00}. Received notification from collection agency, called made arrangements to pay $ XXXX monthly until paid in full. Balance owed {$210.00} which I will pay off this month. Every month they call me asking for a payment even though I have made it. Last evening they called me asking for the balance.
10/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48125	Web
I reached out to this debt collector to ask for validation of debt they failed to provide it and insisted the debt belonged to me. I always had health insurance, they couldnt even show me a picture of my ID because I know for a fact they cant provide it because I never was seen in the XXXX. I filed a FTC complaint and they still refuse to remove this from my credit report.
07/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43607	Web
I sent a debt validation letter XX/XX/2021. This company has failed to validate my debt. Instead they sent a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file, and cease all collection activities immediately.
05/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web
For the past years this company continues to charge me a debt and continues to report to me in the agency XXXX. today XX/XX/XXXX I saw in my annual credit report that this americollet company since months ago has reported me again. knowing that I have made many complaints and I have the proofs please help me eliminate this and that they do not hurt me anymore in my credit
03/23/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 479XX	Web
XX/XX/2021 Americollect signed for certified letter sent certified letter requesting them to remove from my credit report due to violating XXXX laws. They continue sending me old bill with my XXXX XXXX. XX/XX/2021 Americollect signed for certified letter Americollect representatives continue to call and harass me stating I have to pay them or they will call me til I do.
06/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 313XX	Web
Americollect The amounts are $ XXXXXXXXand {$1000.00}. I have submitted a debt validation letter but have not received a sufficient response. They are reporting two accounts that are not mine. They are tied to a social security number that is not mine and they nor the original creditor can furnish anything with my signature. It is also tied to an address that isnt mine.
08/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
I previously requested that this agency validate the debt and they failed to do so. I have sent multiple certified letters starting in XX/XX/2018. The credit bureau removed the information and the collection agency placed the information back on my report almost one year later. Also I receive multiple calls a day from a VoIP number coming across as a local phone number.
07/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53188	Web	Older American
I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. I do n't know of any outstanding debt.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 610XX	Web
Americollect is incorrectly reporting a medical debt they assumed and first reported XX/XX/XXXX as a new debt opened XX/XX/XXXX. The original debt was from a XXXX XXXXXX/XX/XXXX and they purchased the debt and reported it starting XX/XX/XXXX and it is now listed as a new debt opened XX/XX/XXXX. This caused significant damage to my credit ( a XXXX point drop in score ).
10/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 078XX	Web
I was in a car accident XX/XX/2013. The bills were to be paid by the insurance company. My attorney and I have contacted the companies at least 10 times with no response. The bills should NEVER have been placed on my credit reports and should be removed ASAP from all three credit bureaus. There are XXXX bills from the same company that were placed on my credit reports.
08/04/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53224	Web	Servicemember
Received multiple calls from Americollect regarding a debt that I had no idea about. I inquired as to what the debt was for and informed them that I have two different insurance companies both cover ambulance rides. Americollect refused to listen and I further found out that the bill had been sent over by XXXX XXXX without them attempting to bill my insurance company.
10/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
I wrote several letter to this company about multiple medical accounts. I have not received any information from this company complaining to the letter that was sent. I asked them to verify that the debt belongs to me. I also explained to them it is against the HIPPA to share my medical records with anyone. It is also against the law to sell or share medical records.
05/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11372	Web
I NEVER EVER FAILED TO PAY A DEBT. I have no debts. By the time they claimed that XXXX wasnt paid I had full health insurance coverage!! The secretary at that Dr office XXXX XXXX XXXX XXXX was the one to suggest changing from XXXX to XXXX. I HAVE NO DEBT and they are ruining my credit score sending an amount of XXXX $ for a debt that it is NoT mine! Stop doing it!
11/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19082	Web
AmeriCollect Inc added multiple medical debts to my credit report. Amount {$100.00}, {$130.00}, {$160.00}, and {$230.00}. On XXXX XXXX i sent AmeriCollect Inc a certified letter return receipt requested. AmeriCollect has not validated any debt with the original contract with my signature, also they have violated my consumer rights and have no permissible purpose.
05/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31313	Web
In accordance to the Fair Credit Reporting Act the below account has violated my rights for privacy and confidentiality under 15 USC1681 : AMERICOLLECT INC, XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
06/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 700XX	Web
The original creditor submitted bills to a wrong address in my name. Upon finally receiving the bills from the addressee in error ( a resident on my street ), I contacted Americollect through letter explaining that The billing address was incorrect and I 'd submitted payment to the creditor, XXXX XXXX XXXX. This collection still shows current on my credit report.
10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31419	Web
Americollect is not my bill! I tried to dispute it with the company and they told me they would mail me a copy of what it was. ( I had to look up Americollect! I had NO idea who they Were. I tried to dispute it with the credit bureaus but get a result that it stays! I am being harassed by the phone calls and its affecting my credit for a bill that is not mine
01/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46226	Web	Servicemember
I was involved in a vehicle accident in XX/XX/2019. I was not at fault for the accident, and all my medical bills were paid by XXXX. Instead of sending one bill sent several items to collection which were on one bill paid by the insurance company. I have attempted to contact AmeriCollect to correct this inaccurate reporting. However I have been unsuccessful.
09/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 322XX	Web	Servicemember
On XXXX XXXX I filed a dispute with AmeriCollect for a alleged debt of {$900.00} which I have no knowledge of owing as well as filed a Chapter XXXX BANKRUPTCY which was DISCHARGED XX/XX/2020 and have PROVIDED a COPY to them.. HOWEVER its still being reflected on my credit as OWED and PAST DUE. Ive ALDO provided XXXX with a copy of the CHAPTER XXXX DISCHARGE
03/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web
In review of my XXXX credit report I noticed that there is a Collection being reported that I do not identify. This medical collection was placed on my credit file by Americollect in the amount of {$260.00}. I do not know who this is and what its pertaining to. this debt collector needs to " Validate '' this debt and show that it actually pertains to me.
01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77005	Web	Servicemember
AMERICOLLECT INC Has illegally placed 3 collections for a total of XXXX dollars on my XX/XX/XXXX consumer report, they have violated my FDCPA rights by not contacting me before reporting this fraudulent debt, they have also failed to validate this debt as it was an result of Identity Theft, and they have illegally shared my information without my consent.
11/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70726	Web
AMERICOLLECT INC is reporting to credit bureaus that I owe them money. I have asked several times to have this debt verified and for them to show me that i owe money to this company. They have failed to so. Despite this request they continue to report this false information. if this is not immediately removed from my credit i will be seeking legal action.
08/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07724	Web
I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32259	Web
This account is reporting to my credit report twice. I have disputed it through XXXX and have not received any information on the account nor any investigation results. Per the FCRA, my rights have been violated. You can not report the same account TWICE to my credit report, especially since it has been disputed with the reporting agencies and is false.
07/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
09/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53132	Web
Americollect Inc is trying to collect a medical bill from XX/XX/17 of {$340.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX Hospital or any other hospital. I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.
08/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
i have recently put a identity freeze on my report because of fraud there is an account in collection in XXXX that is reporting in collection the creditor name is " Americollect Inc. '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling XXXX to let them know this but no one got back with me
03/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 537XX	Web
I have attempted back in XXXX to get these 2 charges of {$1600.00} and {$950.00} cleared from my credit because it should have been covered by my son 's insurance ot the time of each incidents. I still don't understand why these charges were not covered at the time because my son was XXXX years old and was covered by state insurance here in Wisconsin.
01/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33168	Web
I am writing to dispute a charge of {$680.00} to my credit report on XX/XX/2019. The Charge is in error because it should be paid by the Fault party involved in the car accident. I won the lawsuit on the car accident case with my attorney XXXX XXXX XXXX. All the damages and medical bills caused in the incident should go directly to the Fault party.
11/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37042	Web
PLEASE SEE ATTACHMENTS. Americollect has completely disregarded my consumer rights. Violating the FDCPA, FCRA, XXXX, and XXXX laws. Americollect has used my identity without my consent by coercive and deceptive means for its own financial gain. Americollect claims the laws in which protect me allows them to violate me without my knowledge or consent.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 501XX	Web	Servicemember
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A states, " I have the right to privacy. '' 15 U.S.C 1681 Section 604 A Section 2 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
10/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33063	Web
I was reviewing my consumer report when I noticed this collection from Americollect Inc. I don't know what this is for, therefore I sent a debt validation request on XX/XX/2020 and based on tracking it was received by Americollect Inc. on XX/XX/2020. I only received a statement however this still does not validate my request pursuant to15 USC 1692g.
09/10/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 31419	Web
americollect : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dollars profit service group : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dolllars Ive never opened, or even used a credit card before in my life. Ive been working extremely hard to build my credit, while others tear it down. I need help getting this off of my credit.
07/19/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63121	Web
Americollect Collections continues to report a said collection that is currently being litigated by my attorney ( XXXX XXXX XXXX XXXX XXXX Original creditor has been contacted about this lien and therefore this collection agency that I have no contract with should not be trying to collect a 6 debts that are not related to the original creditor debt.
10/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 314XX	Web
I have new and updated information regarding claim number : XXXX. Americollect , Inc. have not provided all of the requested documentation per my previous request. Their refusal to provide all of the requested documentation is preventing me from exercising my right to assess and validate the alleged debt. Please reference the attached documents :
04/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 946XX	Web
While reviewing my credit report I noticed a collection account from americollect. The company I assume to believe is a healthcare facility renown health. I have never been there before I live in California and this facility is in another state. I believe this is identity theft and would like this account removed from my credit report immediately.
11/08/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 435XX	Web
My account was sent to a collection agency. There are XXXX accounts total that were sent to Americollect. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX These accounts are showing up on my credit report. I have filed a dispute with them and asked them to take it off. And they refuse. As it violates my XXXX rights. Thanks for your time
01/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 531XX	Web
This debt was paid in full XXXX XXXX 2022 directly to the health care provider. On around XX/XX/XXXX I received a letter from Americollect about this debt. I called and informed them it had been paid in full. I have not received any more letters or phone calls about this account, but now 2 months later they have added a debt to my credit report.
03/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11230	Web
Hi. I was given a treatment by MD without taking a consent from me and explaining that it could result charges insurance may not pay. Now collection agency Americollect , Inc is reporting this dispute to credit bureaus. I asked collection agency to provide me the proof of consent given to MD for this medical treatment but they couldnt. Thanks.
09/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32224	Web
XXXX XXXX XXXX Collection acc 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late - Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department - Unpaid Status Updated XX/XX/2018 Balance {$710.00} Balance Updated Past Due Amount {$710.00}
05/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web
I have received yet another bill from this company after I have repeatedly asked for a signed contract which has NOT been provided. I received a bill from them on XX/XX/2021 and I sent a validation letter on XX/XX/2021 asking yet again for an actually signed contract. Being that they were not able to provide it this collection must be removed.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 293XX	Web
AmeriCollect is reporting on my credit. I sent them validation of debt letters they sent me copies of my so- called hospital bill. This is indirect violation of my Hippa Rights, I never gave them permission to access my medical records. Nor did I sign a consent authorizing such behavior. They also didn't properly validate this so called debt.
02/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19050	Web
I have written several disputes to this company and they have not responded AT ALL! They have willfully violated my rights by intruding onto my credit file without any prior notification or stated reasons. I have disputed the account, and they have not responded to me! This violates the FCRA and FDCPA in so many ways it hurts! PLEASE HELP ME!
01/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33067	Web	Servicemember
I CONTACT AMERICOLLECT XXXX ON XXXX/XXXX/2017 AND SPOKED TO XXXX XXXX LETTING HER KNOW THIS IS A FRAUDULENT ACCOUNT SHE ADVISED ME THAT THIS ACCOUNT IS IN SOMEONE ELSES NAME. THE VIOLATION IS WHEN I TOLD HER THIS IS A FRAUDULENT ACCOUNT SHE STATED WE WILL NOT REMOVE FROM CREDIT BUREAUS KNOWING ITS FRAUD. THAT IS NOT RIGHT TO TELL ANY CONSUMER
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77014	Web
Americollect is using my health records without my consent. This is a unlawful use of my private, personal medical health files. This is a direct violation of my HIPAA rights. I have filed a formal complaint with the US Department of Health and Human Services. They have obtained my information illegally. I do not have any contract with them.
12/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33441	Web
Americollect agreed to send a letter to all credit reporting agencies to remove and they have not stood by that agreement. I have filed a complaint before on this company. I have a copy of the letter from Americollect agreeing to remove the debt. It has been over 30 days since I received the agreement to remove from the collection agency.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
No written consent or permissible purpose to report on my credit report. Thats fraud and identity theft Im asking XXXX $ per violation of my rights and to block and remove information reported. Pursuant to 15usc1681 and also Im asking XXXX dollars for knowingly and willingly reporting false and inaccurate information pursuant to 18usc1001.
09/15/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 14220	Web
The debt collector was very rude kept speaking over me, when I asked for a settlement they tried to charge me XXXX percent more than I owe them. When i tried to speak to the collector they hung up on me. Im trying to settle this debt but I want to make sure Im not getting scammed. Also they have not sent a letter confirming my debt owed.
08/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 08902	Web
I have no collection or debt to anybody. I re open my XXXX XXXX account and I just saw these collection but I dont know what is that. We never felt on the debt and also before I dispute one more time one collection like this collection and they remove from my account. These 4 collection not related with my or one of my family Thanks XXXX
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30906	Web
I have written Americollect on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.
10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53208	Web
AMERICOLLECT INC Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.
07/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web
On XX/XX/XXXX and XX/XX/XXXX I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt, the date of the alleged XXXX service, and proof of my singature and etc. Americollect did not respond to the letter by 30days to respond by. By not respond they should took thid item off my credit.
11/29/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 534XX	Web
Americollect is reporting fraudulent information on my credit report for medical bills for my son and me. My insurance took care of the bill for my son and Americollect still keeps reporting it because I paid the creditor directly. I also started making payments to the creditor and Americollect is not showing the amounts that I paid.
08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 640XX	Web
AmeriCollect XXXX : This was through XXXX XXXX Hospital in Missouri and it was for my daughterXXXX She had double coverage at the time of this bill. Insurance was never billed and I tried to Call the hospital billing department to which I never received a call back. i do not owe this debt. This needs to be filed with the insurance.
09/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77095	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMERICOLLECT INC
04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77536	Web
This company has continuously charged me again and again over the past several years. I have not been able to set up payments due to being without job sometimes or having to pay more important bills. I don't think it's fair to be charged over the years, I also had no idea I could dispute or I would have done this a long time ago.
09/17/2019	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 Was not notified of investigation status or results	GA 303XX	Web
On XX/XX/2019 I got collection record in my XXXX XXXX report. It was {$110.00} amount they reported as a collection but I was not even informed before they did this and other person from XXXX XXXX called and I already paid them money. I don't know why did they put it for collection. I want to dispute on this collection record.
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89113	Web
XX/XX/XXXX {$600.00} I have contacted XXXX. They told me to file a police report. When I went to the police station I was told that the company Americollect inc was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.
09/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33569	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
03/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33624	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// AMERICOLLECT IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
04/01/2019	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	NJ 08701	Web
I have three collections reporting from Americollect, I requested an investigation from them directly and from XXXX. I have not gotten a proper response from Americollect I am unsure of the correct reporting and I don't believe XXXX has done a proper investigation into this matter. They just keep verifying the information.
03/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31525	Web
Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
02/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI XXXXX	Web
A collection was added to my credit report in the amount of {$730.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
02/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33579	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
02/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78749	Web	Older American
Medical bill is over 6 years old and was already paid. Collection company requesting payment for medical bill without disclosing the date of service for medical bill. Appears to be one that was already paid in the past. Need correct date of service and age of this bill to prove they were already paid for three years ago..
03/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32068	Web
My debt is from Americollect in the amount of XXXX dollars. The debt was opened up according to their reports on XX/XX/2022. Per the new law that took affect XXXX XXXX2022 the time to report negative debt on credit reports increased to 1 year. Medical doubt less than XXXX dollars shall not reported to the credit bureaus.
09/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28086	Web
My ex husband took my son to the hospital. He put me down as the responsible party. I was not present and was not aware until I received a bill in the mail. I tried working this our with the doctor which was unsuccessful. I have disputed with all credit bureaus and XXXX XXXX is the only one that has removed this charge.
10/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46060	Web	Servicemember
My idenity was used to get medical care from XXXX XXXX XXXX XXXX XXXX. I have never received medical care from this company. The account was sent to Americollect and it is seeking a payment in the amount of {$220.00}. I request that Americollect terminate this account and stop sending payment request for said account.
06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
In accordance with the Fair credit reporting act XXXX account # XXXX Americollect INC. has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
I did a dispute to have the Ameircollect debt in the amount of XXXX removed from my credit report in XXXX of XXXX. It was removed from one credit bureau but not the other two. I disputed this again in XXXX of XXXX, but they have failed to remove it. This reporting is a violation of my privacy and violates HIPAA law.
11/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32218	Web
I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt.. I also sent FTC, XXXX REPORT AND POLICE REPORT STATING THAT IT FRAUDULEN INFORMATION THEY ARE REPORTING ON MY BEHALF. Americollect did not respond to the letter. I am sending XXXX REPORT AND POLICE REPORT
09/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80916	Web	Servicemember
I have never received notice or any paperwork concerning this debt. I have personally contacted the company to dispute this debt. I have also submitted disputes with all my credit report agencies and have been successful at getting it removed with XXXX so far. The debt continues to be reported on my credit falsely.
06/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
On XX/XX/XXXX I wrote a letter to Americollect Inc stating that they are reporting on my credit report a debt that I do not owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. The company stated they can't update my records reflecting that I do not owe this company.
03/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33069	Web
I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.
11/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37042	Web
Americollect has unlawfully furnished medical debt against the FCRA and is using harassing, oppressive and coercive methods to collect on a debt that I do not owe or own. Americollect does not have such licensure to collect debt in Tennessee. Americollect is in complete violation of HIPAA. Please see attachments.
08/30/2020	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	WI 53206	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
10/16/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 54701	Web
Some one call on phone a lot my phone number and from variety phone numbers and give message on my answer machine and person want me know debt collect and give me website www.americacollectpay.com. I call on phone this phone number and from person I tell in here and XXXX XXXX and ring and later nothing on phone
07/16/2019	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 Was not notified of investigation status or results	FL 32224	Web
Americollect Inc # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.
05/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 14223	Web
XXXX XXXX XXXX Has been trying to collect a debt that has not been rebilled to MEDICAID. It first used XXXX and now has transferred the account to AMERICOLLECT The bills are from XX/XX/2013 the statestatute of limitations has passed. All bills are billable to medicaid. they are balance billing for {$1.00}
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 293XX	Web	Servicemember
Hello! I am writing today because my account should reflect on time and in good standing of payments since XX/XX/2020. All of my student loan accounts should reflect in good standing since XX/XX/2020, there should be 3 consecutive years of the account being in good standing and not delinquent or negative.
11/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98335	Web
I found out from my credit monitoring app that Americollect had posted a debt for collection from 2014 from a medical place. I never received any phone calls or mail regarding a collection in this amount for this debt. Ever. If they called, they did not say anything about a collection or money being owed.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39213	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a customer reporting Agency can not furnish a account without my written instructions.
01/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33314	Web
I have two collections on my credit report from this company that are both for medical bills and are both under {$500.00} ( one for {$460.00} and one for {$260.00} ). They are from Americollect and there is no phone number anywhere to reach them. I have written letters and have not received a response.
11/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ XXXXX	Web
I was a victim of identity theft. A report was filed with the federal government and a police report was made in XXXX Police Department. Americollect has been trying to extort me for quite some time. I had removed XXXX XXXX XXXX due to this theft. This issue with Americollect is getting very stressful.
04/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30224	Web
AMERICOLLECT INC. at XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature
06/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33598	Web
After receiving a copy of my credit file in shock I noticed there is a collection listed. I never had a collection in my life and always pay my bills. I have never ever been informed of this and do not believe it even belongs to me. I have disputed this after seeing this on my report. Please help
03/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07208	Web
Debt was paid directly to original creditor XXXX XXXX ( XXXX ) on XX/XX/2022. I have evidence of the two amounts that were owed paid in full ( with my debit card ). I have repeatedly disputed the account, XXXX and XXXX XXXX remove it then Americollect re-reports it knowing it is already paid.
07/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31721	Web
In accordance with the Fair Credit Reporting act AmeriCollect, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
02/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46208	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
08/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46123	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/14/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 541XX	Web
Hi the medical bills these companies are saying I'm responsible for paying is in -correct my kids father is liable for paying medical bills not me. This is not my first complaint I have been letting them know over and over, but I'm not getting no resolution. Please remove collection! Thank you
03/30/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85201	Web
HIPAA Violations, please review documents. Please Not this is my second HIPAA violations dispute to Americollect. Americollect did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33569	Web
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. i aslo do not have any contact with my signiture between me and this company to pay.
03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19104	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
07/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53703	Web
Americollect debt collectors- Says for medical- XXXX maybe XXXX Have had medical insurance for many years due to medical conditions Tried to dispute they always deny. Says it meets requirements. They have 2 repeat bills- same bill twice $ XXXX and another i think {$67.00} 9 bills total.
08/20/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	PA 19013	Web
Calling leaving messages asking can i pay this debt, i honestly thought my insurance covered this matter i was supposed to have insurance through the marketplace XXXX but they said my insurance did n't go through. I was paying my insurance but they said my information was n't complete.
08/06/2018	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	FL 336XX	Web
On multiple attempts there has been written notices for verification and validation of the debt and alleged account. The creditor Americollect Inc. jas 2 different reporting inquiries for the following alleged account ( s ) : XXXX, XXXX for an alleged balance of {$660.00}, {$660.00}.
01/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 49508	Web
I checked my credit report to find that I had 2 negative medical accounts on my credit profile both which I have no knowledge of. I have never received any bills or notification stating that I owe anything to any medical center nor do I recall going to a medical center for anything.
04/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53213	Web
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$370.00} XX/XX/XXXX, {$940.00} XX/XX/XXXX, {$290.00} XX/XX/XXXX. I DO NOT!
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32713	Web
Americollect amongst other companies have been repeatedly listing two charges on my credit report from 2014 in an attempt to reage this even after Ive told them that I do not owe it. I do not know this company and Ive never given them consent to release any of my medical records.
09/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53208	Web
Americollect took {$850.00} account off my XXXX report after 1st complaint then today put it back on my report. If Americollect paid XXXX XXXX for the debt how can Americollect make me pay them. I never had a written contract with Americollect at all. That is false information.
09/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	WI 541XX	Web
On XX/XX/2016 I was informed by XXXX XXXX, the Director of Efficiency, Compliance and Privacy at XXXX XXXX XXXX, XXXX that a debt that was placed with the firm, Americollect, INC would be removed from my consumer credit reports. It has not been removed by Americollect, INC.
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 190XX	Web
AMERICOLLECT is trying to collect a debt that does not belong to me. They have also violated HIIPA LAW. I want this debt investigated. I am a victim of having my social security number and drivers license information compromised. I filed a complaint with the FTC as well.
01/10/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85201	Web
This Items been removed months ago & the debt collectors ( AmeriCollect ) re added the same 3 collections back to my XXXX & XXXX credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX
12/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53218	Web
Americollect at XXXX XXXX XXXX XXXX XXXX, Wi has a negative balance of {$640.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company, This company does not have a contract with my signature.
07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63118	Web
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... Americollect ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
12/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53224	Web
I have disputed all of account from Americollect to verify my debt. However instead of the agency verifying the amount owed they sent me copies of my medical records. I did not sign a HIPAA release for them to even have access yo my records this has violated my rights.
03/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29301	Web
Americollect has been sending me collection notices in the amount of {$370.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 466XX	Web
IN REFERENCE TO Americollect XXXX XXXX : ACCOUNT XXXX XXXX as of XX/XX/2023, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!
09/25/2020	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	WI 53206	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
02/10/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53223	Web	Servicemember
Called to collect a debt that was not backed up with details on how I owed the debt. I have not seen any evidence that I owe this debt. When asked to send me a copy of the forms I signed, or treatment details to my address on file, I have yet to receive anything.
06/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46237	Web
015. Americollect INC Americollect INC has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX XXXX of Indiana to whom they state i have no outstanding balance to due insyrance has paid in full.
01/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85029	Web
on XXXX I sent out a letter to all 3 credit bureaus letting them know I was unaware of there collection. they are affecting my score and by law the bureaus have 30 day to respond back. I not got any response and do not believe that these collations belong to me.
09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85138	Web
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 708XX	Web
I have tried contacting this creditor to remove this inaccurate information from my credit report and i have tried to dispute it several times. I have gotten nowhere, this account isnt mines and i have no knowledge of this inaccurate finding on my credit report.
01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 532XX	Web
XXXX XXXX XXXX is the original creditor and report in error to Americollect and has failed to remove this error from all 3 bureaus, only removed from XXXX still showing on XXXX and XXXX. I have called the credit bureaus, XXXX and Americollect since last year.
10/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48239	Web
On XX/XX/2020 I sent Americollect Inc. a certified letter, they received it XX/XX/2020. The letter was requesting that the alleged debt be validated. They failed to do so, they sent me an itemized statement with someone elses name on it. This isnt my debt.
07/09/2019	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 Was not notified of investigation status or results	FL 32224	Web
Americollect INC # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 320XX	Web	Servicemember
Amerocollect collection agency put the same amount in my reports 6 times I have been disputing it for about two years XXXX. Amount of {$1100.00}. XXXX on my XXXX report 6 times 3 times on XXXX. Both credit companies agree that it is fraud on amerocollect.
12/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53221	Web
Collection company has never contacted me, but has recorded a collection account on my credit report as of XX/XX/2020. My wife indicates she paid this bill and I would like the account removed from all credit reporting agencies that they do business with.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53218	Web
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
03/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 631XX	Web
this company Americollet is in violation of my hipaa Rights and all of these accounts held in data needs to be deleted immediately or else law suit will be processed. Unauthorized accessing of PHI is illegal an should be punished to the highest extent.
01/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31324	Web	Servicemember
After reviewing my free credit reports I noticed a fraudulent account from Americollect that doesn't belong to me and after contacting them they still refuse to remove from my credit reports and send me verification under the fair credit reporting act.
10/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53704	Web
I was injured in a slip and fall upon private property and the property owner of insurance supposed to have covered all medical bills. And now the debt collect are billing me or coming at me for unpaid bills. Due to my injuries I personally suffered.
11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THEREFORE THE REPORTING OF THIS ACCOUNT IS INACCURATE AND INCORRECT. I HAVE REACH OUT THIS COMPANY SEVERAL TIMES TO NO AVAIL. THEREFORE THEY ARE IN VOLATION OF 'THE FAIR DEBT COLECTION PRACTICE ACT '.
02/28/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WY 53218	Web
Americollect is not sending the information that I 'm requesting to Validate the debt they are not sending me a copy of my signature with the provider of service to release my medical information to them. That 's means the debt can not be validated.
02/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32256	Web	Servicemember
I checked my credit and saw a trade line for XXXX XXXX for an account that has already been staled by my insurance company and I paid my co-pay of {$75.00}. Confirmation number for payment to be verified is XXXX. Account # with XXXX XXXX : XXXX
10/21/2022	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	GA 31406	Web
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.
07/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95838	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30106	Web
Dispute letter was mailed on XXXX and XXXX. In the letter as written discussing about validating this debt in the amount of {$680.00} no action was taking by AMERICOLLECT XXXX XXXX XXXXXXXX XXXXXXXX XXXX Its reporting to all XXXX credit bureaus.
05/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 49519	Web	Servicemember
XXXX is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and americollect. I would like a full investigation into this accounts.
03/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
This account is in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
01/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53051	Web
There is an Debt from Americollect for {$130.00} from XXXX. The Original Creditor was XXXX XXXX of Wisconsin. I never received a written communication about this Bill. Under FDCRA you don't have a right to collect on this Debt. Please remove
11/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43235	Web
Company reached out to me in regards to a debt that I did not have any prior knowledge of. Company fail to disclose any information other than an address associated with the medical debt, where I never lived or had any association with.
08/01/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32224	Web
I'm getting repeated calls to my recently purchased phone number. Calls come from Americollect asking for payment of the debt and requests to call back at XXXX, although I have never used the services of this company and have no debts.
06/16/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30088	Web
My co-payment at XXXX XXXX was {$50.00}. The collection company Americollect company keep posting the same {$50.00} repeatedly on my credit and my score keeps dropping. The same charge is on my credit 3 times. This is the same charge.
09/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 707XX	Web	Servicemember
Company provided services for a medical procedure that they claimed after the fact I owed money that the insurance company did not pay. I did not agree, nor was I aware before receipt of the bill in the mail that this amount was owed.
03/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web
I have filed a dispute and it has been 30 days and I have not received any news back I have a medical collection on my account from a car accident which creditors know can not be on my credit report it violates me right and hippa.
08/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33065	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
03/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53545	Web
Account was paid in full, and the company admitted thru a previous complaint it was paid, and the account would be closed and removed, yet it's still listed as open, with XXXX balance, as a derogatory remark on my credit report.
08/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 532XX	Web
( 5 ) new postings to all three credit bureaus for medical bills to XXXX XXXX and subsidies for medical bills filed bankruptcy XXXX Wisconsin has a law about medical bills should not go into collections or credit file anyway.
11/06/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85249	Web
Company calls me repeatedly from different numbers spamming me before XXXX and after XXXX will not stop calling I feel like I am being harassed it is never ending pain and suffering please make Them Pay me for their crime!!!
10/16/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33062	Web
A negative item appeared on my credit report stating an uncollected debt. I have no prior knowledge of the debt, and was never sent a bill or collection letter, EVER, for this debt. My credit score has declined as a result.
01/15/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 150XX	Web
XXXX XXXX americollect keeps calling from different numbers. However, this is a medical debt I thought you could not put on credit report for derogatory remark. Ive tried opening tickets to resolve but keep closing tickets
10/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11746	Web
I was informed by Americollect on XX/XX/21 that this debt was assigned to insurance and removal was requested by credit bureaus. However this was not the case, Americollect has failed to remove this from my credit report.
08/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32209	Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. Account XXXX : XXXX Amount Disputed : {$440.00}
07/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32209	Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1100.00}
01/28/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75039	Web	Servicemember
I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered
08/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 645XX	Web
Someone used my information to fraudulently open account or obtain services under my name. I filed a police report over this matter. Americollect Inc is now reporting one of these accounts to my XXXX Credit Report.
05/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32225	Web
I was told by the hospital that this debt was covered under the indigent/charity program since I did not have insurance. You need to discuss this with the hospital as they have informed me I have a {$0.00} balance.
06/30/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77379	Web
XX/XX/2021 : Fake debt collector insisting to talk to a person that I do not know and who is not related to my phone number. Already told him not to call anymore, but they still called until the number is blocked.
03/13/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85201	Web
Debt Collector Violated HIPAA Collection agency, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
08/16/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
Americollect Inc has not had my written consent to publish any of my medical information. They have infringed upon my consumer right to privacy. 15 U.S. Code 1681a ( 3 ) ( a ) ( b ) and 15 U.S. Code 1681a ( 4 )
05/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 52732	Web	Servicemember
Medical bill from ex wife is showing up on my record multiple times yet we didnt even share medical insurance at all and XXXX XXXX through the collection agency americollect keeps trying to have me pay for it
07/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32225	Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. Account No:XXXX Amount Disputed : {$85.00}
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
I went into the emergency room for an emergency XXXX I had. I was never seen, they told me that I couldnt be seen because I had no insurance then he told me to sign some papers and I was laid out to door!
03/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web
Collection is not from original creditor. I do not owe Americollect- account # ( XXXX ) in an amount of {$250.00}. I never heard of Americollect. Americollect does not have a contract with my signature.
05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48108	Web
The accounts were open inXX/XX/2014. The amounts are - {$620.00} - {$670.00} - {$350.00} I've send them complaint letters directly. I have also explained to them that these accounts/debits are not mine.
11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 293XX	Web
laws broken with willful noncompliance : 1692 E-10/14 1692 ( C ) ( B ) 1681 S-2 ( A ) ( B ) 1692 K 1681 N ( A ) ( B ) ( b ) 1681 A-2/A-1 1681 Section 602 A/604 A Section 2 I have the right to privacy.
06/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33060	Web
Americollect inc has listed collection accounts on my credit report. Americollect has not provided me with service details. Americollect inc is not licensed in the state of Florida to collect on debt.
05/22/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OK 73115	Web
AmeriDebt continues to call at all hours although I'm on DO NOT Call. When I block them they change their number. I'm elderly & can't easily get to the phone. These people ( " XXXX '' ) are ruthless.
02/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32114	Web
Ive had health insurance at the time most of these medical bills were collected towards debt. AmeriCollect ( XXXX ) * XX/XX/XXXX> XXXX XXXX XXXX- {$650.00} * XX/XX/XXXX> XXXX XXXX XXXX- {$430.00}
06/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60516	Web
Company refused to validate the debt with documents bearing my signature. I am unsure how they received my private medical information and have reason to believe my HIPAA rights have been violated.
05/02/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KY 40509	Web
Americollect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
07/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web
On XX/XX/2022 I requested information to verify that this debt belongs to me. XXXX and the creditor have not provided me with information to prove this debt is mine and what the services are for.
04/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 535XX	Web
Falsely publishing information on XXXX XXXX and XXXX. This debt Doesnt belong to me as Ive never been to XXXX Nor have I received any paperwork Or contracts stating they have the right to collect
01/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75039	Web	Servicemember
XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect.
10/13/2022	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	PA 17315	Web
I have no outstanding debts owed that I am aware of. Americollect has called numerous times almost daily and has now begun calling me outside of the legal time frame before XXXX and after XXXX.
08/24/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 601XX	Web
I have sent a debt verification letter on XX/XX/2021 they received it on XX/XX/2021. Ithe company sent me a bill of XXXX instead of the information I ask for. They did not validate the debt.
08/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53545	Web
have no knowledge of an account in collections from Americollect inc, this is not my account and have written several letters to the company and have never gotten a letter back or anything.
05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49519	Web
Americollect has not reached out to me about this account I checked my credit report and it was on there this is not my account. I have no knowledge what server of this collection account.
03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web
Americollect is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
09/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 467XX	Web
This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You
05/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV XXXXX	Web	Older American
I am having them contacted by XXXX XXXX XXXX because it has been over seven years and the debt should be closed and rehashed to keep up with me and stalk me. The dollar amount is XXXX.
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WI 54130	Web	Servicemember
I have a negative pay status hurting my credit and its been paid a year ago. Its a medical bill that wasnt paid, and went to collection. So its listed as " Other '' and not medical.
05/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31326	Web
XXXX XXXXXXXX XXXX sold the debt to Amercollect collection company. I never received. The 1099 C form XXXX nor Amercollect. Please provide the 1099C or delete from credit report.
02/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63033	Web
The company Americollect was notified that this debt was paid thru the hospital thru financial assistance/charity and still reported it to my credit after receiving proof of this
02/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CO 80918	Web
AMERICOLLECT ( Original Creditor : XXXX XXXXXXXX XXXX ) is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020
02/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77025	Web
insurance company paid for this radiology bill, my documents stated insurance carrier paid the balance in dispute, i informed them several times, with documents several times,
07/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70737	Web
Americollect is reporting two medical debts that are not mines. Never heard of or seen this Doctor. They have not provided the proper debt validity for these accounts as well.
09/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC XXXXX	Web
Turned me in to the credit reporting agents when i ask to validate the debt they never did when I went to the site to see if I owed a balance the statement had a XXXX balance
05/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33063	Web
I have no idea of this collection and I would like to report it the amount of {$170.00} XXXX. XXXX, 2017 ( 5 yrs, 2 mos ) .AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
04/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 549XX	Web
I requested validation of the alleged debts and received my confidential medical information, without a signed release, which is a clear violation of my rights under HIPAA.
10/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53209	Web
On XX/XX/2020 I disputed this debt. I have never signed a contract. I don't know who this company is. I have not done business with this company. I do not owe this company.
02/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77014	Web
AMERICOLLECT is claiming that I owe them {$150.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/09/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43615	Web
I have reached out several times to AmeriCollect regarding the accounts that have listed as delinquent on my credit report. They have not responded to any of my attempts.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53210	Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
07/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33324	Web
The collector maintains I owe a debt of {$270.00} from XX/XX/2015 for XXXX XXXX XXXX I incurred no such debt then or in the previous year to the best of my knowldge
07/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43211	Web
They are attempting to collect a debt that doesnt belong to me. They are demanding immediate payment from me without providing any proof they have the right person.
05/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33619	Web
AMERICOLLECT INC has an account on my credit that is not mine. i do not hav awritting contract to pay americollect inc. there is no valid proof i owe americollect.
07/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85041	Web
Account Name : AMERICOLLECT INC Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$150.00} Reason : Identity theft Please remove it from my credit report.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32259	Web
I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.
01/15/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32224	Web
XX/XX/20 had to call XXXX for a psvt episode, ameridebt continues to call me daily, I thought that medical debts do not show up on your credit report, {$1500.00}
02/03/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 54601	Web
This debt is owed by the other i payextra child support every month to not have XXXX XXXX XXXX on my health insurance and I am turned into collections regardless
09/07/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32208	Web
I have about 6-7 collections from the company Americollect I was only notified on 2. I didnt find out about the others until they were added to my credit report
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 49221	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
10/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
The company " AmeriCollect '' calls to collect a debt we don't owe. We're on the Do-Not-Call-Registry ; they shouldn't be calling us. They call from XXXX.
12/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53224	Web	Servicemember
Americollect is attempting to collect on a debt that has been paid in full since XX/XX/22. They are illegally reporting a balance to XXXX, XXXX, and XXXX.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30309	Web
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
03/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54751	Web
{$360.00} americollect. ive disputed wit them several times and its still on my credit report. they cant validate it was me. this is not my account
12/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53222	Web
americollect has put an delinquency on my credit report which I do not owe them. I owe a medical services which I have been paying directly to them
04/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89113	Web
XX/XX/2017, XXXX, {$1200.00}, Americollect is saying I owe them. This debt has been removed off of my XX/XX/XXXX account. Fraudulent information.
09/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90036	Web
I was a victim of identity thieft these medical account is not mines I have police report ftc report also XXXX open XX/XX/2018 Americcollect inc
09/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 530XX	Web
I have paid Americollect IN FULL on ALL medicial collections. They will not update any of my credit reports! This is effecting my credit score!!
02/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53225	Web
The original creditor is XXXX XXXX XXXX Now it Americollect the date was XX/XX/2018 1 year and 8 months ago I had no idea it was in collections
04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
AMERICOLLECT is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
AMERICOLLECT is claiming that I owe them {$270.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
03/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32209	Web
XX/XX/2020 XXXX This is a duplicate account, I have reached out to the company and to its current debt collector.I have also made a dispute
02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77049	Web
AMERICOLLECT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32211	Web
I have been disputing and are not getting a timely response and I need answers because the account listed is NOT mine or you dont recall it.
10/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 708XX	Web
On XXXX XXXX2017 2 accounts placed on my credit report in the amount of {$120.00}. I am unaware of any outstanding medical bills that I owe.
03/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31419	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
11/24/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45414	Web
Daily calls from company and messages to call about debt collection. I owe nothing. I have no debt. Continued daily calls is harassment.
03/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33068	Web
Please be advised that the debt that was owed was settled and payment was submitted to Ameri Collect. I have a receipt for the payment.
02/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web
I have 3 collection medical that aren't mine I don't know who told the hospital that.. I attached a photo of the information thank u
06/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
The company is AMERICOLLECT INC for {$120.00} on XX/XX/2017. I have called and written them a letter with no help from this company.
09/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60617	Web
debt was paid and yet this collector still reports the debt on all three reporting agencies. please delete info as it has been paid
12/07/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 53105	Web
Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part
02/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31419	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
03/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77071	Web	Servicemember
I received no notices of debt from Americollect, but they keep reporting on my credit. I have not done any business with them.
04/07/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44601	Web
XXXX XXXX Services XXXX XXXX XXXX Americollect I have end stage XXXX XXXX and I'm XXXX. I will not be able to pay this amount.
08/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 777XX	Web
I contacted the company via regular mail and certified mail no response back to validate the debt and it's been since XXXX.
02/24/2017	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	GA 30047	Web
The company will not work with me. I asked to work with them on a settlement. Company was extremely rude and inappropriate.
02/20/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 54303	Web
I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.
01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web	Servicemember
Account paid In full only late 2 times in 4 years agency wont remove inaccurate negative items nor update account as paid
09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66104	Web
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.
05/03/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48224	Web
Debt collector called my employer and close relative. XX/XX/XXXX. They call all times of the day and also XXXX night.
12/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53216	Web
This debt was paid in full on XX/XX/2020, in the amount of {$150.00} but it continues to show up on my Credit Report.
01/28/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33076	Web
Americollect acct # XXXX this account has been paid Americollect has not responded back as a validation of my account
01/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 99223	Web
Ameracollectpay.com has been calling repeatedly and never says what debt it is. I don't owe them or anyone anything.
03/09/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WI 54303	Web
I had visited the ER because I received an injury and did not have any medical coverage or income to cover the debt.
06/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	DE 19701	Web
XXXX XXXX of XXXX XXXX is violating my HIPAA rights, I've provided my insurance information on several occasions.
01/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53216	Web
I have never heard of Americollect, have no written contract with them and never received any benefits from them.
02/18/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 77082	Web
I do not recognize this collection i was a victim of identity theft its not mines and there are multiple charges
04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19087	Web	Servicemember
Company has been asked to provide proof of any debt on 3 different occasions but has not. Asked to stop calling
10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07103	Web
The company americollect has a client they are collecting for 'XXXX XXXX XXXX '. This debt was already paid for
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards
03/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 802XX	Web	Servicemember
I sent a letter out to validate a debt that was not mine. They did not provide me with any signature of mine.
04/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
THIS COMPANY HAS A COLLCETION ON MY CREDIT REPORT THAT I DONT KNW ABOUT OR OWE I DONT HAVE CONTRACT WITH THEM
04/14/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60202	Web
Called during Covid-19 crisis after XXXX. XXXX issued guidance on collection suspension for at least 60 days.
08/30/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89015	Web
The original creditor can not find the accounts. XXXX of nevada can not find same accounts as americollect.
06/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08527	Web
Not my account. Company lacks any legal obligation or contract. I've never done business with them.
01/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web
Disputed the medical collection with credit bureau the account was not removed it stated verified,
03/09/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53206	Web
Please validate these accounts, disputed these and came back accurate with out providing proof.
01/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33579	Web
I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve.
01/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33579	Web
I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve.
03/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
FTC VIOLATION SENT TO EVERYONE WITH THE HIPPA VIOLATION THESE ACCOUNTS ARE NOT KNOWN TO ME
04/18/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32259	Web
Have my medical info without my permission. Dont want third party to have my medical bills
10/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53218	Web
XX/XX/2018 in the amount of {$690.00}. I have sent many letters and called and no results
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 54220	Web
not my account I have not has a account dated XXXX XXXX 2019 with this company for XXXX
12/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33076	Web
Americollect is not my debt they were not able to validate this account belonging to me
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32065	Web
Contract does not exist between myself and debt collection company. Debt is not mine.
05/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Billing dispute for services	IN 46953	Web
I believe that it said the year was 2018 and there were XXXX charges for XXXX each
01/26/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60175	Web
XXXX from XXXX ID # XXXX XXXX keeps calling to collect a debt that does not exist.
10/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web
Send Letters Talked to the debt collectors expaling the debt did not belong to me
02/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32210	Web
This debt has not been verified. There were no contracts or signatures provided.
01/21/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32244	Web
Americollect Inc Attempted Collection Of Debt With Out Validation XX/XX/2018
01/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web	Older American, Servicemember
i have no idea what this is about. neither do i owe or know this people.
12/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 531XX	Web
I was charged on XX/XX/2018 balance I owe is XXXX for the Americollect
10/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32216	Web
i accept the claim, disputed, asked to verify, never recieved anything
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
AMERICOLLECT INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
07/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 70458	Web
I was charged an amount that was incorrect, I did not own any money.
11/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33613	Web
Americollect has account on my credit that not mine/inaccurate/fraud
09/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 759XX	Web
Company repeatedly reports this fraudulent debt on my credit report.
04/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77005	Web
hippa violation and FTC violation showing on XXXX and XXXX and XXXX
04/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33579	Web
americollect inc is trying to collect on a debt that is not mine.
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53222	Web
XX/XX/2020 {$500.00} attempting to remove inaccurate information
02/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49423	Web
i went on XXXX XXXX and found an open account for americollect
08/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33624	Web
AMERICOLLECT HAS A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE
10/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53218	Web
I do not owe Americollect. I never had a contract with them.
04/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93552	Web
insured by the XXXX at time of us this bill, I am on ssi.
03/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60046	Web
Medical debts should have been reported to my insurance
04/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32218	Web
This is not my debt. I was a victim of identity theft
10/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 54303	Web	Servicemember
Lots of call but no written information of debt owed
02/09/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 49507	Web
XX/XX/2020 {$1000.00} spam calls all day non stop
12/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32211	Web	Servicemember
Insurance information was provided multiple times
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60016	Web
I have Illinois Medicaid which paid debt in full.
01/06/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WI 53210	Web
Repetitious calls to XXXX XXXX of harassment
05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
account on my account thats not mine/fraud.
04/19/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77459	Web
repeat calls after i told them to stop
09/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 19143	Web	Servicemember
I had some one that has use my name
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43612	Web
I am a victim of identity fraud
02/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 293XX	Web
I am not aware of this account.
03/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77578	Web
Fraudulent collection activity
01/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19143	Web
XXXX paid the debt.
03/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11205	Web
refuse to verify
02/10/2024	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33801	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 722XX	Web

02/01/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 436XX	Web

02/01/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98198	Web

01/31/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53913	Web

01/30/2024	Yes	Debt or credit management Debt settlement	Unauthorized withdrawals or charges	AR 71603	Web	Servicemember

01/25/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63103	Web

01/21/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72064	Web

01/10/2024	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33625	Web

01/02/2024	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	WI 53949	Web

12/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98030	Web

12/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92553	Web

12/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33604	Web	Older American

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79936	Web	Servicemember

12/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 31405	Web	Servicemember

12/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30326	Web

12/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 41031	Web	Servicemember

12/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web

12/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web	Servicemember

12/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 49508	Web

12/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31410	Phone

12/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

12/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 54235	Web	Older American, Servicemember

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32216	Web	Servicemember

12/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33511	Web

12/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53225	Web

12/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34212	Web

12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61101	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31415	Web

11/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21113	Web

11/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91803	Web

11/08/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SD 57719	Web	Older American

10/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28303	Web

10/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46617	Web

10/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53708	Web

10/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33619	Web

10/14/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89502	Web

10/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48204	Web	Servicemember

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61101	Web

09/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45805	Web	Servicemember

09/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19355	Web

09/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29334	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08201	Web

09/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19355	Web

09/12/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 20745	Web

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08201	Web

08/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46617	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35810	Web

08/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46407	Web

08/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33774	Web

08/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77584	Web

08/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39341	Web

08/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 47353	Web	Servicemember

07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	GA 30044	Web

07/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64014	Web	Older American

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31419	Web

07/12/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44646	Web

06/22/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19355	Web

06/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 88310	Web

06/20/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	SC 29376	Web

06/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53213	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 27517	Web

04/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web

04/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11203	Web

04/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27615	Web

04/15/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WI 54186	Web

04/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31404	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32837	Web

04/07/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 61531	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 54303	Web

04/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77373	Web

03/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33606	Phone

03/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46617	Web

03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85020	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89052	Web

03/20/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53704	Web

03/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38801	Web

03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77060	Web

03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98230	Web

03/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 43228	Web

03/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07036	Web

02/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08816	Web Referral

02/25/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 19355	Web

02/22/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90805	Web

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	IL 618XX	Web

02/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77545	Phone	Older American

02/15/2023	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	CA 90038	Web

02/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 61832	Web

02/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17406	Web

02/06/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77521	Web	Servicemember

02/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OK 73025	Web

02/01/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30076	Web	Servicemember

01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31903	Web

01/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31419	Web	Servicemember

01/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53545	Web

01/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07036	Web

01/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49015	Web

01/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31419	Web	Servicemember

01/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29680	Phone	Older American

01/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 31405	Web

12/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63141	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60640	Web

12/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31407	Web

12/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29301	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08724	Web

12/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30458	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 52601	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48219	Web

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89031	Web

12/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43607	Web

12/07/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75023	Web

12/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92801	Postal mail

12/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30126	Web	Servicemember

12/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 49078	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78660	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 293XX	Web

12/01/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ 08857	Web

11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28546	Web

11/25/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 31404	Web

11/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80920	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 54304	Web

11/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53590	Web

11/15/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62012	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61604	Web

11/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33027	Web

11/08/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30281	Web

10/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53545	Web

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77099	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 62040	Web

10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32209	Web

09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53209	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55104	Web

09/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

09/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30458	Web

09/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32218	Web

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web

09/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web

09/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PR 007XX	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32209	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33133	Web

09/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75093	Web

09/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79934	Web

08/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29349	Web

08/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32277	Web

08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29301	Web

08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29340	Web

08/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33190	Web

08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61115	Web

08/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77304	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27417	Web

08/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45410	Referral

08/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63138	Web

08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53218	Web

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75146	Web

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98375	Web

07/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77099	Web

07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77057	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60803	Web

07/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77099	Web

07/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 31419	Web

07/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77083	Web

07/09/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 39750	Web

07/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77057	Web

07/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19034	Web

07/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29651	Web

07/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32202	Web

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28016	Web

06/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19143	Web

06/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29680	Phone	Older American, Servicemember

06/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49080	Web

06/20/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 16801	Web

06/19/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07095	Web

06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web

06/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19143	Web

06/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45410	Referral

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31520	Web

06/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31302	Web

06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32208	Web

06/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63107	Web

06/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23666	Web

06/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39750	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32073	Web

06/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32073	Web

06/02/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08551	Web

05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web

05/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32084	Web

05/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Web

05/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32087	Web

05/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70737	Referral

05/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32225	Phone

05/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53807	Web

04/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30415	Web

04/23/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07753	Web

04/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28016	Web

04/20/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89131	Phone	Servicemember

04/20/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 61568	Web

04/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30281	Web

04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53583	Web

04/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19134	Web

04/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53223	Web

04/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53594	Web

04/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19406	Web

04/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39206	Web

04/05/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 31419	Web

04/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32258	Web

03/30/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53222	Web

03/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62025	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19146	Web	Servicemember

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19054	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61615	Web

03/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53954	Phone	Servicemember

03/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77073	Web

03/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19301	Web

03/03/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95128	Web

03/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98424	Web

03/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 61109	Web

02/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33436	Web

02/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21061	Web

02/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 54126	Web

02/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31419	Web

02/17/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	WI 53718	Web

02/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43567	Web

02/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98011	Web

02/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 532XX	Web

02/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web

01/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75104	Web

01/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19082	Web

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NJ 07026	Postal mail

01/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07305	Web

01/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web

01/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94402	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29385	Web

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

12/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31415	Web

12/27/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 61753	Web

12/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77073	Web

12/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28086	Web

12/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46637	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	IL 60074	Web

12/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

12/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

12/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32256	Web	Servicemember

12/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29369	Web

12/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73025	Web

11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53210	Web

11/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43607	Web	Older American

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31419	Web

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31419	Web

11/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

11/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

11/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62294	Web

11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08823	Web

11/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70130	Web

11/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 49092	Web

11/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77014	Referral

11/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28086	Web

11/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53218	Web

11/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19144	Web

11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

11/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63136	Web

11/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53209	Web

11/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53018	Web

11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29702	Web

11/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98445	Phone

10/28/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43616	Web

10/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07726	Web

10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08536	Web

10/23/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	WA 98047	Referral

10/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 293XX	Web	Servicemember

10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

10/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98445	Web

10/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34238	Web

10/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36535	Web

10/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 54301	Web

10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30909	Web

10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08861	Web

10/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08527	Web

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89014	Web

10/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32208	Web

10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08861	Web

10/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08701	Web

10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07311	Web

09/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60608	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32084	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46239	Web

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 96114	Phone

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63136	Phone

09/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31408	Web

09/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web

09/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 31525	Phone

09/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31903	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08901	Web

09/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19128	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53209	Web

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07052	Web

09/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31419	Web

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32084	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19135	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48221	Web	Servicemember

08/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29644	Referral

08/26/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WI 53208	Web

08/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31406	Web

08/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31419	Web

08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08832	Web

08/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31569	Web

08/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46016	Web

08/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53214	Web

08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32073	Web

08/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19143	Web

08/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76266	Web	Servicemember

08/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32220	Web

08/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web

08/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94080	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78526	Web

08/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 62704	Web

07/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32804	Web

07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77520	Web

07/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77433	Web

07/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98403	Web

07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78521	Web

07/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19149	Web

07/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31406	Web

07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77042	Web

07/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77087	Web	Servicemember

07/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31406	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77384	Web

07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78526	Web

07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 897XX	Web

07/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30087	Web

07/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29334	Web

07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web	Servicemember

06/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28590	Web

06/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08520	Referral

06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27893	Web

06/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07002	Web

06/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19015	Web

06/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32208	Web

06/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19139	Web

06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73160	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32216	Web

06/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19023	Web

06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98002	Web

06/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32225	Web

06/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American, Servicemember

06/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98388	Web

06/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28034	Web

06/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53402	Web

06/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40517	Web

06/14/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98058	Web

06/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31405	Web

06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31322	Web

06/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web

06/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

06/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31721	Web

06/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31404	Web

06/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web

06/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Phone

06/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30461	Web

05/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77062	Web

05/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63034	Web

05/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30318	Web

05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

05/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76543	Web

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32221	Web

05/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89103	Web

05/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75044	Postal mail

05/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60406	Web

05/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web

05/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30043	Web

04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77060	Web

04/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73025	Web

04/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web

04/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33023	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53404	Web

04/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53154	Web

04/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33414	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77396	Web

04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53177	Web

04/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32223	Web

04/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53210	Web

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89148	Web

04/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78417	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29302	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32277	Web

04/12/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32244	Web

04/12/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08830	Web

04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08832	Web

04/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07731	Referral

04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73025	Web

04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98531	Web

04/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85226	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48532	Web	Servicemember

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77536	Web

03/30/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53206	Web

03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08879	Web

03/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60657	Web

03/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

03/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33578	Web	Servicemember

03/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29745	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07008	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34952	Web

03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77459	Web

03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19142	Web

03/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Phone

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07062	Web

03/13/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08873	Web

03/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28034	Web

03/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 70814	Web

03/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53208	Web

03/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33534	Web

02/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web

02/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31419	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53222	Web

02/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63368	Web

02/24/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WI 53086	Web

02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53222	Web

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29334	Web

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08902	Web

02/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34674	Web

02/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32217	Web

02/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web

02/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32750	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53081	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66062	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77573	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77573	Web

02/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Web

02/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89014	Web

02/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28213	Web	Servicemember

01/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 86033	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53222	Web

01/23/2021	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32257	Web

01/23/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32257	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07001	Postal mail

01/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18103	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

01/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web

01/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77545	Web

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

01/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70814	Web

01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53222	Web

01/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31419	Web

01/05/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48135	Web

12/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29379	Web

12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44121	Web

12/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 63028	Web

12/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33570	Web

12/22/2020	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	WI 53222	Web

12/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98388	Web

12/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Fax

12/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98032	Web

12/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30442	Web

12/04/2020	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 Problem with personal statement of dispute	FL 33065	Web

12/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53233	Web

12/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53216	Fax

12/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07753	Fax

11/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77429	Web

11/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78415	Web

11/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78372	Web

11/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32206	Web

11/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32206	Web

11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07748	Fax

11/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98405	Web

11/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53212	Fax

11/17/2020	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	WA 98188	Web	Servicemember

11/17/2020	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	WA 98188	Web	Servicemember

11/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33572	Fax

11/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07305	Fax

11/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07721	Fax

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08902	Fax

11/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33579	Phone

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08873	Web

11/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19013	Web

11/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32206	Web

11/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32206	Web

11/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32254	Web

11/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 15601	Fax

11/06/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85201	Web

11/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WI 53511	Web

11/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17547	Web

10/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77036	Postal mail

10/28/2020	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 Their investigation did not fix an error on your report	TX 77447	Web

10/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07017	Fax

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46825	Fax

10/26/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29615	Web

10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32209	Web

10/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

10/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07036	Fax

10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33309	Web

10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07302	Web

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77573	Web

10/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19013	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	MO 63385	Web

10/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33572	Web

10/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77089	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77573	Web

09/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53218	Web

09/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76120	Web

09/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98001	Web

09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WI 53097	Web

09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33137	Web

09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33309	Web

08/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98003	Web

08/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98023	Web

08/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 61111	Web

08/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

08/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

08/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

08/05/2020	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	WI 53218	Web

08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63111	Web

07/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73111	Referral

07/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19518	Web

07/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32246	Web

07/21/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32209	Web

07/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33181	Web

07/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 15642	Postal mail

07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web

06/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49508	Web

06/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70764	Web

06/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53216	Web

06/24/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53216	Web

06/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70811	Web

06/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web

06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 49286	Web

06/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14226	Postal mail

06/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14226	Postal mail

06/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46613	Postal mail

06/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32217	Web	Servicemember

05/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35459	Fax

05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32277	Web	Servicemember

05/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43506	Web

05/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66104	Web

05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85035	Web

05/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32257	Web

05/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web

05/11/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WI 53223	Web

05/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web

05/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30240	Web	Servicemember

04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77006	Web

04/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53223	Phone	Servicemember

04/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89119	Web

04/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18301	Web

04/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48239	Web

04/17/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 53223	Web

04/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30214	Web	Servicemember

04/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30417	Web

03/31/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53186	Web

03/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

03/14/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33009	Web

03/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33009	Web

03/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75098	Web

03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15033	Web

02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

02/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07094	Web

02/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

02/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07728	Web

02/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77060	Web

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

02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77504	Web

02/18/2020	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	WI 53216	Web

02/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	XXXXX	Web

02/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32256	Web

02/11/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	WI 547XX	Web

02/09/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 53206	Web

02/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Fax

02/05/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	WI 54956	Web

01/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33626	Web

01/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33183	Web

01/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

01/20/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60411	Web	Servicemember

01/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53216	Phone	Older American

01/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32003	Web

01/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19082	Web

12/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10457	Web

12/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10460	Phone

12/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 54703	Phone

11/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53073	Phone

11/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32223	Web

11/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53224	Web

11/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31405	Web

11/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33510	Web

11/08/2019	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	WI 53007	Web

11/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53216	Web

10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43224	Web

10/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07728	Web

10/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

10/10/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33441	Web

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

10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TN 37087	Web	Servicemember

09/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33309	Web

09/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 54115	Web

09/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60466	Web

09/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62294	Web

09/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75110	Web

09/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07094	Web

08/22/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73099	Phone	Servicemember

08/16/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 64733	Web

08/09/2019	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	GA 31322	Web	Servicemember

08/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33431	Web

08/03/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WI 54115	Web

07/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53223	Web

07/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07094	Web

07/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

07/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29349	Postal mail

06/28/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 31523	Postal mail

06/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53208	Web

06/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60411	Web

06/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53224	Web

06/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19096	Web

06/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77070	Postal mail

06/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30458	Phone

05/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31324	Web

05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33445	Fax

05/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

05/27/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34691	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

05/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32922	Web

05/02/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33610	Web

04/30/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46324	Phone

04/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33067	Web

04/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 54636	Web

04/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08865	Web

03/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32257	Web

03/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17846	Phone	Older American, Servicemember

03/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07018	Fax

03/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web

03/03/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32177	Web

02/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28216	Web

02/24/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 47906	Web

02/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Phone

01/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77057	Web

01/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77479	Web

01/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19143	Web

12/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31419	Web	Servicemember

12/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48159	Web

12/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 530XX	Web

12/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60006	Phone

12/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17547	Web

11/23/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IN 46614	Web

11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 54911	Web

11/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11238	Fax

11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53214	Web

10/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27613	Web

10/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27613	Web

10/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48390	Web

10/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18473	Web

10/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07753	Fax

10/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 46614	Web

10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33064	Web

10/01/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53224	Web

09/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53206	Postal mail

09/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08879	Fax

09/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91306	Web

09/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31520	Web

09/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 49348	Web

09/02/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WI 53209	Web

08/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53218	Postal mail

08/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70072	Web

08/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web

08/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92617	Web

08/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web

08/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

08/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33068	Web

08/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11238	Fax

08/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web

08/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28590	Fax

07/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08850	Web

07/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48346	Web

07/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53221	Phone

07/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48240	Web

07/14/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WI 53213	Web	Older American

07/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

07/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27519	Postal mail

07/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75134	Web

07/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53223	Web

06/22/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53222	Web

06/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77493	Web	Servicemember

06/11/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WI 53208	Web

06/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39581	Web

06/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07111	Web

05/31/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 54961	Web	Servicemember

05/24/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 54961	Web	Servicemember

05/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07403	Fax

05/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48126	Postal mail

05/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60563	Fax

04/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11704	Fax

04/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54494	Postal mail

04/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62526	Web

04/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19013	Web

04/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48159	Web	Servicemember

04/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48111	Web

04/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39581	Web

04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33823	Web

04/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48221	Web

03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62526	Web

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NJ 07731	Fax

03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19380	Postal mail

03/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33603	Web

03/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08872	Web

03/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32080	Web	Servicemember

02/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37923	Web

02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48207	Web

02/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30459	Web

02/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32080	Web	Servicemember

02/01/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 53220	Web

01/29/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Referral

01/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53916	Phone

01/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08872	Web

01/21/2018	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	WI 53051	Web

01/18/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07018	Fax

01/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32097	Web

01/16/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63303	Web

01/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web

01/08/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 32607	Web

01/05/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 53051	Web	Servicemember

01/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30458	Web	Servicemember

01/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32817	Web

01/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45011	Web

12/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 54914	Web

12/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 27886	Web

12/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08872	Web

12/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53051	Postal mail

11/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CT 06883	Postal mail

11/17/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 86047	Web

11/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Web

10/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53209	Web

10/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53206	Web

10/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53206	Web

10/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

10/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53206	Web

10/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64056	Web

10/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08724	Fax

09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48184	Referral

09/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web

09/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WI 53214	Web

09/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54901	Web

09/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54901	Web

09/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29730	Web

08/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07050	Web

08/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07050	Web

08/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53210	Web

08/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27520	Web

08/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18045	Web

08/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53212	Web

08/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53223	Web

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

07/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32046	Web

07/24/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90650	Web

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53210	Web

07/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53212	Web

07/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53224	Web

07/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53205	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53223	Web

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

07/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web

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

06/20/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45424	Web

06/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33076	Web

06/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Postal mail

05/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53225	Web

05/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18018	Postal mail

05/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22315	Web

05/10/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 532XX	Web

05/03/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WI 54971	Web

04/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53144	Web

04/18/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 53209	Web

04/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43229	Web

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 53172	Referral

04/12/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 53206	Web

04/12/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 45424	Web

04/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32244	Web

04/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 45424	Web

04/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53207	Web

04/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33311	Phone

03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 53172	Postal mail

03/29/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33068	Web

03/18/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 38868	Web

03/13/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33496	Web

03/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77082	Web

03/07/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 54601	Web

03/01/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77058	Web	Older American

02/28/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32222	Web

02/28/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 54313	Referral

02/24/2017	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	GA 30047	Web

02/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33060	Web

02/18/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 34465	Web

02/11/2017	Yes	Debt collection Medical	False statements or representation Indicated shouldn't respond to lawsuit	NJ 07035	Web	Servicemember

02/09/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD 20853	Web

02/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33056	Web

02/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32277	Web	Servicemember

02/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33054	Web

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19126	Web

01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48228	Fax

01/26/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98506	Web

01/21/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75087	Web

01/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08701	Web	Older American

01/11/2017	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	MD 20746	Web

01/10/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	NM 88007	Web

12/31/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 32068	Web

12/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20785	Web

12/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	WI 53224	Web	Servicemember

12/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33442	Web	Older American

12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11238	Postal mail

12/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33173	Web

12/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32244	Web

12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32068	Web

12/12/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 34479	Web

12/12/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 34479	Web

12/12/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 34479	Web

12/12/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 53119	Web

11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27519	Postal mail

11/22/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 78064	Web	Older American

11/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53140	Phone

11/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33065	Web

11/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received		Phone	Older American

11/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 32254	Web

11/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NM 88011	Web

10/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33313	Web

10/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53120	Web

10/13/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 54126	Referral

10/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27910	Phone

09/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WI 53027	Web

09/28/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	WI 54126	Web

09/23/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Seized/Attempted to seize property	WI 54126	Web

09/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NM 88011	Web

09/20/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 53091	Web

09/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NM 88011	Web

09/07/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 76522	Web	Older American, Servicemember

08/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33065	Web

08/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77064	Web

08/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	WI 54143	Web

08/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33071	Web

07/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53032	Phone

07/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33169	Referral

07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60649	Fax

06/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34473	Phone	Servicemember

06/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CO 80907	Web	Older American

05/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 27804	Web

05/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53531	Web

05/04/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 53215	Phone

05/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 22319	Phone

04/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53158	Fax

03/15/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75231	Web	Older American

03/15/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 53143	Web

03/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53214	Web

02/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	LA 70754	Web

02/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92078	Web

01/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WI 53207	Web

01/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63011	Web	Servicemember

01/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32046	Web

12/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48227	Web

12/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 54501	Web

12/02/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32092	Web

11/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS 38683	Web

10/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89178	Web

09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 62513	Web

09/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 07719	Web

09/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	LA 70802	Web

09/17/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 53089	Web

09/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 19015	Web

08/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 54956	Web

08/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34473	Phone

08/16/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 53215	Web

08/07/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30083	Referral

08/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53215	Web

08/06/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 53215	Web

08/06/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 53215	Web

08/06/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 53215	Web

08/06/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 53215	Web

08/06/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 53215	Web

07/31/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IN 46725	Web

07/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS 38804	Phone

07/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS 38804	Phone

07/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08724	Web

06/15/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	WI 53716	Web

05/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 46703	Web

04/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WI 53216	Phone

03/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60456	Web

03/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34473	Web	Servicemember

02/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48371	Web

02/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	WI 54140	Phone

02/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WI 54755	Web

02/04/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	SC 29130	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07109	Web

01/25/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NV 89118	Web	Servicemember

01/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75232	Web

01/12/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IN 46755	Web

01/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 54230	Web

12/13/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MI 48509	Web

12/06/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 53716	Web

11/28/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 54241	Fax

11/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53115	Web

11/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 54220	Web

10/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53074	Web

09/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53216	Web	Servicemember

09/04/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 53215	Web

09/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 54303	Web

08/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 54457	Web

08/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94118	Postal mail

08/23/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	WI 53074	Web

08/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	WI 54935	Web	Servicemember

08/22/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 78640	Web

08/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53022	Web

08/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 53216	Web

07/31/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89002	Web

07/07/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 54235	Web

06/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60085	Web

06/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53012	Web

06/03/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 53110	Web

05/08/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MI 48507	Web

04/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91307	Web	Older American, Servicemember

04/03/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 54180	Web

04/03/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	WI 54180	Web

03/18/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	WI 54618	Web

03/14/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WI 53219	Web

02/11/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	IL 60118	Web

11/28/2013	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	WI 53121	Web

11/14/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53172	Web