Arbor Professional Solutions, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
12/05/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MI
  • XXXXX
Web
To whom it may concern Im submitting this complaint in frustration over the lack of response Ive received from Arbor Professional Solutions ( XXXX ) and XXXX XXXX Office ( XXXX ) regarding accounts for my XXXX children. FIRST COMPLAINTI was never notified by XXXX regarding these accounts. When reviewing my XXXX report on XX/XX/XXXX I noticed that the four accounts in question were added to my report however none of them included enough info to identify what they were for. The next day I contacted XXXX and was able to conclude that the reason they hadnt contacted me as required by law was that they had an incorrect address and phone number. While XXXX from XXXX was validating me she stated my street a XXXX XXXX when in fact it is XXXX XXXX then she confirmed my phone number as Most likely this is the same misinformation that XXXXXXXX office had and referenced in their XX/XX/XXXX email ( attached ) and likely passed on to XXXX. THIS ALONE WARRANTS THAT ALL FOUR ACCOUNTS BE IMMEDIATELY PURGED FROM ANY AND ALL CREDIT REPORTING AGENCIES SYSTEMS. SECOND COMPLAINT.The first invoice I received was for {$500.00} ( attached ) and right away I notice that a {$250.00} credit was missing for XXXX. I made them aware of that then questioned why we were charged anything at all seeing my insurance covers 100 % of preventative care which includes but is not limited to the procedures they performed. I thought the billing problems were corrected when I received a voicemail ( see attached XXXX transcript ) from XXXX at XXXX telling me that it looks like everything has is actually been paid. Up until my call to XXXX on XX/XX/XXXX, that was the last Ive heard from anyone regarding these accounts and now Im being told that I owe {$63.00}, {$63.00}, {$63.00}, and {$120.00}. So I called the insurance company myself and found out that the only item not covered was the XXXX XXXX. I was told that XXXX XXXX is normally covered under my policy but since XXXX office also did the more expensive XXXX XXXX of the entire XXXX, this includes the XXXX, the XXXX was no longer necessary and called it a money-grab. They could not explain the additional {$50.00} being charged to XXXX account. UNLESS YOU CAN PLEASE PROVIDE A SATISFACTORY EXPLANATION AS TO WHY BOTH XXXX WERE REQUIRED, IF NOT IMMEDIATELY REQUEST THAT ANY AND ALL CREDIT REPORTING AGENCIES PURGE THESE FOUR FILES FROM THEIR SYSTEM. THIRD COMPLAINT.Our decision to try XXXX office was based on a flyer ( attached ) we received in the mail. As I mentioned in Complaint One, I presented this flyer to XXXX office at the time we checked in. This flyer clearly states New Patient Special {$140.00} and includes same procedures that they charged my insurance company {$340.00} for. Either this is false advertising or over billing. FOR THESE REASONS PLEASE REQUEST THAT ALL FOUR ACCOUNTS BE PURGED FROM ANY AND ALL CREDIT AGENCIES FILES.
08/06/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MI
  • 48162
Web
This complaint involves three companies regarding the same debt : the original creditor, the collection agency hired to collect the debt and the law firm hired to take me to court.. Approximately 1.5 years ago I saw an account on my credit report for the amount of XXXX listed under a collection agency called XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX to inquire about the debt, they advised me that it was for a towing company called XXXX XXXX XXXX in XXXX XXXX michigan. I updated my location information with the agency and requested validation of the debt be sent because they could only tell me the debt was for XXXX XXXX XXXX and could not tell me for what vehicle, just that i owed a debt and demanded payment in full over the phone within the debt validation period. I called XXXX XXXX XXXX directly for more details and they said i am listed with a collection agency and to call them and hung up on me. So the collection agency never validated the debt and the original creditor refused to answer any questions therefore the debt remains unpaid. XX/XX/2018, I received notification that i am being sued by XXXX XXXX XXXX for for XXXX, the law firm handling the claim is XXXX, XXXX XXXX XXXX XXXX out of XXXX michigan. I contacted the firm and told why the debt was never paid and that and that validation of debt was never provided. they did not care. Despite reciting the mini miranda to me they then said that they are a law firm and dont deal with disputes or FDCPA practices which is false and missleading. My complaint is that I originally requested validation of the debt and i would have paid this when after receiving validation of debt. Pretty much, no one cares or complies with the FDCPA these companies think its a joke and remain unchecked. Had ann arbor professional solutions sent the debt validation when i requested it over a year ago this all would have been avoided. I do not feel protected as a consumer. I have just paid this debt, which still remains unvalidated along with legal fees in order to avoid having a judgement on my credit report. Summary Statement : As a consumer, my credit has been held hostage with the threat of having a judgement against me and wages garnished without the the debt being validated. Per the FDCPA, a collector may not demand payment or take legal action within the debt validation period, the debt was never validated therefore the debt validation period is still in effect. Keep in mind, I never received a first notice, it was i who seen the debt on my credit who inquired and tried to resolve debt. XXXX XXXX XXXX solutions contact info:XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX PHN # XXXX ( collection agency ) XXXX, XXXX XXXX XXXX XXXX contact info : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX contact info:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI , XXXX
08/08/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48238
Web
This company was very rude, I spoke with three people and out of the three I spoke with the supervisor as well as the vice president were the most unprofessional ones, I contacted Arbor Professional Solut debt collection company on X/X/17 in regards to a dispute they have placed on my credit report for {$230.00} I spoke with XXXX who is a Arbor Professional Solut Agent, informed him of the mis-communication with this creditor and seeing that the creditor had no real documentation from me or any signed agreement stating I was aware of any charges for an appointment that she scheduled on her own for a mis-communicated appointment date in my books it was different, I informed XXXX with my issues and asked, how is your company able to collect a debt with no-documentation stating I was aware of any amount owed or even scheduling a appointment, he did n't have this information.I was transferred over to XXXX who was the supervisor who was very rude, I tried to explain the situation she continuously cut me off stating " File a dispute '' I understood the part and wanted to know how the investigations work, she stated they 'll send the creditor back the dispute and it goes from there, I asked XXXX well if she 's sent my information over for collection how would that work with her taking it off? she ( creditor ) & I have had discrepancies in regards to the matter and wo n't fix it, XXXX states well you must had because she has your information, I informed XXXX just because she has my information does n't mean I 'm subject to be charged for a debt that is incorrect, I asked XXXX for proof showing I was aware of this debt as well as any documentation that I can have from the creditor showing I am to pay this debt and proof on why the debt should be collected, XXXX informed me I needed a " signed '' written request to retrieve my information, How am I to know this debt is correct if I do n't have proper information and it 's already been placed on my credit? she states a written request after multiple back and forth I asked XXXX well seeing I was told I need proof for my investigation I have several voicemail confirming she never confirmed about any scheduled appointment how can I get them to you for my investigation she says we only have fax machine and mailing address if you can figure out some way to have it sent somehow then that would be on you, she was very rude and cut me off multiple times by the time I was finished I was transferred over to the Vice president XXXX who was also just as rude, he informed me to file a dispute not even hearing my situation.
04/11/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48103
Web
I received an invoice from a collection agency, Arbor Professional Solutions, dated XX/XX/XXXX ( See Attachment ). On XX/XX/XXXX, I wrote a letter disputing the debt to Arbor Professional Solutions and requested the original medical invoice for the alleged debt. ( See Attachment ) Arbor Professional Solutions submitted an invoice for the alleged debt per my written request. Their letter that accompanied the invoice was dated XX/XX/XXXX but I did not receive this letter until XX/XX/XXXX. ( See Attachment ) On XX/XX/XXXX, I contacted XXXX, a business that has all of my medical loans and inquired as to whether it had included this invoice in a previous loan. They said it had not. On XX/XX/XXXX, I contacted the original medical service provider, XXXX XXXX, XXXX XXXX XXXX, XXXX, Michigan, XXXX-XXXX, ( XXXX ) XXXX, and spoke to XXXX, a billing staff member at said facility. After a review of the account history, I was informed that I had paid a separate company, XXXX, for my service invoice on XX/XX/XXXX. XXXX then informed me that she would call Arbor Professional Solutions that same day, XX/XX/XXXX, to correct the error. After a review of my prior paid medical bills, I did pay the invoice at issue to XXXX on XX/XX/XXXX. I am requesting proof of said payment from XXXX XXXX XXXX XXXX which is the card to which this payment was made. Unfortunately, XXXX online credit card statements only go back to XXXX. On XX/XX/XXXX, Arbor Professional Solutions reported the alleged debt amount of {$510.00} that was already paid to another company, XXXX, to XXXX XXXX XXXX while the debt remain disputed and without further investigation regarding this disputed debt ; this action by Arbor Professional Solutions was done in the middle of the COVID-19 quarantine in Michigan. Their action immediately caused my credit score to drop 35 points and I have evidence for this reason for the drop in my credit score. I have already been financially harmed from the COVID-19 quarantine and I now worry about losing credit availability to pay bills until my law practice is again fully functional. This was caused by Arbor Professional Solutions ' unlawful collection action. Arbor Professional Solutions violated the Fair Credit Reporting Act for reporting a disputed debt to a credit reporting agency and failing to report that the alleged debt was disputed when doing so, and for failure to investigate my written dispute before reporting the alleged medical debt to a credit reporting agency.
03/26/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 787XX
Web
I called and requested an itemized statement from this collector along with written confirmation on the process of paying off the debt as well as the process of reporting to the credit bureaus. I emailed the following to the listed president, XXXX XXXX : Hi XXXX, I wanted to formally file a complaint with you just as I have done with the Michigan Attorney General, Texas Attorney General, the XXXX, and my family 's legal counsel. Today I called Arbor Professional Solutions to resolve a debt I acquired 6 years ago. Because the bill is so old, I called and requested an itemized statement from your company, written confirmation on the process of paying off the debt, along with the process of reporting to the credit bureaus. Once I received this information verbally, I once again asked to receive an email, letter, or even web address listing these processes and information. Most calls at business are recorded for records and training. I like to have my own copies for records as well. I was met with rudeness and unprofessionalism. I spoke with someone named XXXX and her supervisor. XXXX transferred me over to her supervisor without even indicating that she was doing so and her supervisor rudely said to me " Oh I'll wait since I wasn't talking '' as if I am a three-year-old. Mind you, I was on the phone with her for less than a minute before she became rude. After the supervisor 's statement, I asked her to repeat herself. She did with confidence. They then blocked me from being able to call the office again. I didn't get disrespectful. I didn't raise my voice or become rude until after that statement which was in response to one question which was " how am I supposed to confirm this information if you can't send anything to me? ". Feel free to have your team listen to those calls. The unprofessionalism from the employees within your office is preventing people from paying off their debts due to their HORRIBLE customer service. It shouldn't be a hassle to pay off a debt. I am sure there are many consumers like myself who have the intentions of paying but then are met with such rudeness. Your XXXX reviews state just that. Please let me know how we can remedy this situation.
07/30/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 480XX
Web
On XX/XX/XXXX I contacted XXXX XXXX XXXX and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which XXXX XXXX recieved on XXXX. On XX/XX/XXXX XXXX XXXX sent me only a validation of debt letter ( which did not have all correct information ) I again contacted XXXX XXXX on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to XXXX XXXX the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. I have recorded conversations of all above information, including all contact with XXXX XXXX, Arbor Solutions and XXXX XXXX XXXX.
05/09/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48197
Web
This complaint is towards 3 companies for the same reason. In 2021, I was XXXX for a XXXX XXXX treatment program for severe XXXX XXXX After speaking with my insurance company, XXXX XXXX XXXX ( XXXX ), the original billing office at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted bills using the wrong billing codes so all of the bills were not paid on-time. XXXX spoke with them about the issue and never received resolution. The outstanding balance was {$3400.00}, but XXXX has told me it's been paid. Since XXXX did not report the billing correctly to my insurance carrier ( XXXX ), the bill was never paid, which I was not aware of and I was sent to collections for the balance. I spoke with the collection 's agency, Arbor Professional Solutions in regard to this and explained the situation to them, but they were unwilling to help. They in return submitted the past due amount to an Attorney XXXXXXXX XXXX XXXX who have now taken me to court, and I have a judgement against me for {$3400.00}. None of this was my fault and now this has ruined my credit because its being reported to all 3 credit bureaus, I have an unjust judgement against me and most importantly XXXX has shared with Arbor Professional Solutions and XXXXXXXX XXXX XXXX XXXX. all of my private personal information such as Doctors I've seen, my diagnosis, dates of services and procedures that I have received from this hospital treatment. I know my rights and they have violated the HIPAA Laws by releasing my Protected Health Information ( PHI ) to the collection agency and Attorney office. This private information is not allowed to be shared with anyone without my consent.
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 XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, 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 XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions 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 CRAs. Based on these violations of the FCRA and Regulation V, XXXX, XXXX XXXX XXXX XXXX and Arbor Professional solutions violated the Consumer Financial Protection Act and HIPPA rights.
03/11/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60148
Web
Arbor Professional Solutions of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, has listed a {$530.00} charge of debt to my XXXX XXXX Credit Report. Not once did Arbor Professional try and reach me to give me a change to dispute the debt owed. The {$530.00} charge stems from the Fire Department of the City of XXXX, Indiana. I am disputing the debt of {$530.00} for the following reasons : This debt occurred from when at the time a minor age XXXX at the time and not my biological nor adopted child was provided a ride in an ambulance with the permission of her biological mother and only legal guardian. The XXXX Fire Department requested health insurance billing information on a couple of occasions and the health insurance information was provided to the XXXX Fire Department each time. Not once did the Fire department or any of their representatives ever reach out stating they were unable to process the medical insurance information provided to them. In summary, I not only do I dispute the debt owed but I also am filing a formal complaint against Arbor Professionals for never giving me a change to dispute the charge of Debt before they submitted the debt to XXXX XXXX Credit Bureau. Arbor 's Phone Number is XXXX
12/14/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MI
  • 48192
Web
XX/XX/2022, {$500.00}, The company is call Arbor Professional Solutions and the woman threatened to take me to court due to the debt. She said unless payment and the check is shown they will take legal action. In order get the documents needed, it will take some time to get them from my insurance as I would have to send them back and then I could send them to this company. I contacted my city in order to ask for more information on this debt because I thought it was for thXXXX XXXX XXXX that had happened. I had called the company that had sent off my information to this company and it turned out to be something completely different. It was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent bills but it had the city of XXXXXXXX XXXX address on it. It never stated it was for the XXXX department for a bill, I was then told by XXXX that I needed to show proof insurance but it's past XXXX XXXX of that and nothing can be done. I was never notified of this, I sent responses with medical insurance information because it never said otherwise. I dealt with the XXXX, and XXXX that day. So I don't understand why I was charged this when XXXX XXXX XXXX XXXX XXXX XXXX.
03/01/2020 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
  • MI
  • 48036
Web
all started over 7-8 years ago. I had no health insurance and was in need of medical help. I was under the guise that any debt over 2-4 years old is not supposed to reflect negative on credit report, but can still be on report, just not have a negative impact on it. Not the case on mine. This company has been reporting for entire time as different companys to make it look like it is a new debt, therefore negatively impacting my credit for this entire time. How is one suppose to " fix '' credit if they-the shadey companies, keep adjusting there names so it looks like a new debt? I recieved a threating phone call from the company explaining to me that if i didnt pay they would keep on doing this and i will never get my credit score over 600. They cslled so many times i changed my #, unfotunatly i do not have the money to pay off all these old debts. I was going to fiole for chapter XXXX bankruptcy, but i just dont have the money for that either. I have sucessfully removed almost all other medical debts on my credit xcept for theese. Please look into this company. I know they are not acting entirely above the law.
05/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43607
Web
Ann Arbor Credit Bureau reported 4 accounts to my credit file that was given to them in error by XXXX. I had no idea about the accounts because I assumed XXXX billed both insurance companies which they failed to do. The only way that I knew is because this company reported the account to the credit bureaus. Ann Arbor Credit bureau never mailed me a letter until after the accounts were reported and I asked them for debt validation. I have attached what was sent to me which is clearly not validation as I requested. I contacted XXXX XXXX that confirmed that they contacted this agency to let them know that this debt was not valid ; this company was contacted on XX/XX/2019 and these accounts are still listed on my credit file. They never gave me validation as required by law but sent me copies of statements that was given to them by XXXX. Attached is a copy of the letter that was sent to me which is what they considered debt validation. I asked them to validate the debt as required by the fair debt collection practices act since they failed to do before they ruined my credit and my credit score.
04/04/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48220
Web
According to the medical provider, my debt was turned over to a collections agency in XX/XX/XXXX. I DID NOT HEAR FROM THE COMPANY UNTIL I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/XXXX. If the medical provider OR the debt collector had TIMELY reached out to me, I would have been able to give them the proper medical insurance information, and insurance would have handled it. But instead this debt collector PURPOSELY waited two years and five months to BEGIN pursing the debt. Because of this, my medical insurance will no longer pay, and I am forced to pay out of pocket to protect my pristine credit. I am confident that I am not the only person that has been affected by this. If the insurance company handles the debt, then these debt collectors do not make money. However, if they purposely, improperly, and egregiously wait until the contractual statute has passed, then they can collection a portion of the debt owed directly from the consumer. This is FRAUD. This company should be sanctioned for their egregious behavior and have their business license revoked immediately.
02/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49505
Web Older American
On or about XX/XX/XXXX of 2019, We- My wife XXXX XXXX XXXX and Myself XXXX XXXX XXXX went into the local branch of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. We told the clerk that we wanted to close our account. She helped us withdraw any monies that were in the account. We asked if there was anything else that we needed to do and she said no, that our account was closed. On or about XXXX of 2019, we received a notice from Arbor Professional Solutions that we owe {$780.00} to XXXX XXXX XXXX. The document states that the account is still open. This bill was a complete surprise to both of us. This was the first notice that we owed anything to the Credit Union. From what we have learned, XXXX XXXX XXXX kept honoring automatic withdrawal transactions without our knowledge or consent and well after we had closed the account. We have disputed this account through the credit bureaus with no change in result. We believe that any " hidden '' - transactions, that did not have our k knowledge or consent need to be discarded and removed from our credit reports.
12/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 483XX
Web Servicemember
In XX/XX/XXXX I was applying for a loan and set up XXXX XXXX. I noticed on my account that I had a collection from Arbor Professional Solutions ( APS ) for XXXX XXXX XXXX of {$830.00} dated XX/XX/XXXX. My deceased father and I have the same name, I don't recall going to XXXX XXXX XXXX and they are out of business. I called Arbor Professional Solutions on XX/XX/XXXX and XX/XX/XXXX requesting proof of the debt. On XX/XX/XXXX they admitted that they had not sent any collection notices to me but that they would get it in the mail. They never sent the information. Arbor is still reporting a delinquent collection. I have written the credit reporting agencies and both stated APS claims it is a valid debt. On XX/XX/XXXX I sent then registered note that I had disputed the account information and requested that they had 30 days to provide proof of debt or remove the inaccurate information they are reporting. In that letter I stated that I would report them to the CFPB and to the XXXX and if necessary take legal action. I have not received any correspondence from APS.
01/30/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48220
Web Servicemember
I decided to check my credit on XXXX XXXX. Imagine my surprise when my XXXX score showed in the low 600 's due to a medical collection in the amount of {$110.00}. I called the collection agency - XXXX XXXX XXXX XXXX - on the credit report and asked them if I paid the debt, would they give me a letter stating that the debt had been paid and be deleted from my credit report? They refused, telling me that they would only give me a receipt. No guarantee of reporting back to the credit bureaus that the debt had even been paid. I then asked them when they received this debt, as I never received a notification of any kind, in writing or a phone call, to notify me. Again, they refused to answer. I have had this happen twice before with medical co-pays, and the collection agency either called me or sent me a letter allowing me to pay the debt before it was reported. XXXX XXXX XXXX XXXX is a terrible agency, since they will not provide documentation of any sort showing that a debt has been paid to allow the consumer the chance to correct it with the bureaus.
09/16/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MI
  • 48336
Web
As of currently the company has turned a XXXX XXXX XXXX XXXXXXXX XXXX to my credit report under a debt collection agency called Arbor Professional solutions. Not only was I fully covered under a medical insurance plan that was never billed although presented but then it was placed on my credit report which medical bills aren't even allowed anymore. The company also tried to serve my parents with a subpoena to sue me for a debt that insurance should have and would have covered if proper procedures were followed. In accordance with the fair credit reporting act XXXX arbor professional solutions, has violated my rights. 15 U.S.C 1681 section section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A sections 2 : it also states a consumer reporting agency can not furnish a a account without my written consent instructions. This is an error that is greatly affecting my credit score, my credit profile, my ability to acquire credit and my overall emotional state receiving daily calls and people coming to my home to deliver subpoenas.
06/05/2020 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
  • MI
  • 480XX
Web Servicemember
On XXXX XXXX I contacted XXXX in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.
05/07/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43607
Web
XXXX Arbor Solutions XXXX XXXX reported 4 accounts to the credit bureaus without notifying me in writing or giving me the opportunity to dispute the debt. I have two insurances and XXXX failed to bill both insurances. I submitted my information to them on several occasions. I contacted promedica and they are finally billing both insurances at this time after they send my account to collections in error. I contacted XXXX XXXX credit bureau to tell them this and the representative responded by saying " I am sorry you feel this way ''. I also told them that I never received anything in writing from them and that they were obligated to give me an opportunity to dispute the debt as well as validate it. Their response was they couldn't help it that the United States Postal Service dont reliever mail correctly, which is untrue, they never mailed anything. This company reported illegally against my credit file being that they never validated this account or gave me an opportunity to dispute it
03/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • XXXXX
Web
In XXXX of XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from Arbor Professional Solutions for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the billing company XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported.
05/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43607
Web
ARBOR PROFESSIONAL SOLUTIONS CLAIM THEY CONTACTED THE CREDIT BUREAUS TO HAVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE ON XX/XX/2019 FROM THE CREDIT BUREAU AGENCIES. THEY RESPONDED TO A COMPLAINT MADE BY MYSELF MAKING THIS STATEMENT. I CONTACTED XXXX ON XX/XX/2019 AND SPOKE WITH A REPRESENTATIVE BY THE NAME OF XXXX XXXX. MR XXXX CONFIMED THAT ANN ARBOR PROFESSIONAL SOLUTIONS DID NOT CONTACT XXXX ABOUT THIS ACCOUNT AS THEY CLAIMED IN THE ORIGINAL COMPLAINT MADE AGAINST THEM. MR XXXX SAID THAT THE LAST TIME THIS COMPANY CONTACTED XXXX WAS IN XX/XX/XXXX OF XX/XX/2019 IT SEEMS AS THOUGH THIS COMPANY IS REFUSING TO HAVE THESE ILLEGALLY REPORTED ACCOUNTS REMOVED FROM MY CREDIT REPORTS. THEY MADE A DISHONEST STATEMENT IN WRITING THAT THEY CONTACTED XXXX ON XX/XX/XXXX WHEN IN FACT THEY DID NOT
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27265
Web
There is a company contacting inaccurate information on my credit report. XXXX is the only credit reporting agency reporting this incorrect information and when I contacted XXXX they told me to contact the furnisher. I have now contacted XXXX and the Furnisher, and the furnisher has not responded in the required time which is 30 days. Thats a violation along with them reporting this inaccurate information. My attorney had me notify them of these violations and we requested proof of this incorrect information and they have not responded, We also sent them an affidavit because our next step will be a lawsuit if this is not removed along with our documentation of the law that states they have 30 days to respond which they have not.
10/07/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48322
Web
I had medical treatment with a doctors ' clinic and had in effect health coverage with a Medicare XXXX XXXX, Medicare XXXX. I was told I owed a CO-Payment amount by my health insurer different than the doctors billing service. I paid the CO-Payment the doctor asked for directly to the doctor. Later, Medicare adjusted the approved payment to the doctor, so I may have overpaid the doctor directly. The doctor 's office turned this matter over to collection with " Arbor Professional Solutions, XXXX XXXX XXXX ; XXXX XXXX, Michigan XXXX, XXXX who are adversely reporting this matter paid or overpaid in full directly to the doctor prior to collection. It should not be reported at all with the XXXX Credit Reporting Bureaus and is.
06/11/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48076
Web
I have tried repeatedly to have them take a medical bill for ambulatory services taken off of my credit report that I should not have been billed for per XXXX XXXX XXXX XXXX and they still refuse to delete the debt from my credit report which has damaged my credit score and caused me to be denied credit. They received the same information from XXXX XXXX and XXXX XXXX and they still refuse to delete it. Every time I call them they are very rude and will not even try to listen to what I am saying. The insurance information was given to them several times before they even reported it on my credit report and a claim still was not filed correctly and they were notified by XXXX XXXX XXXX XXXX in regards to the matter.
11/21/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48310
Web
Original creditor is XXXX XXXX XXXX XXXXXXXX, Michigan. Date of service XX/XX/XXXX for ambulance service in the amount of XXXX XXXX XXXX XXXX dollars. They claim to have billed XXXX, medicaid, and XXXX XXXX XXXX. The only active policy during this time was XXXX and it has been confirmed that they never received a claim. XXXX XXXX XXXX had already expired and medicaid had not started yet This claim was never billed. 2 months prior in XXXX, the same service was provided by the same creditor and they billed correctly. They billed the correct insurance, and they got paid ( that was on XX/XX/XXXX ). All information was available to them however it appears they did not file the claim.
09/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48127
Web
I sent a letter via certified mail to Arbor Professional Solutions ( XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX ) on XX/XX/2020 to validate a debt of {$680.00}. As of XX/XX/XXXX, I have not received a response from the debt collector. On XX/XX/XXXX, I sent letters to XXXX and XXXX informing them that Arbor Professional Solutions had failed to respond to my validation letter and requesting that this debt be removed from my credit reports. At the end of XXXX, I received replies from XXXX and XXXX stating that this debt was valid despite the fact that I didn't receive validating documents as required by the Fair Debt Collection Practices Act.
09/17/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 478XX
Web
The City of XXXX XXXX provided an ambulance ride and billed it to my health care provider incorrectly and they denied payment, this is a municipal agency that used tax dollars to pay their employees and should not initiate collections as they are compensated by taxes for service. They turned it over to Arbor Professional Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the supposed balance due of {$580.00} and they in turn filed a collections notice on my clean credit report and did it without trying to collect from my health insurance ( which deductible has been met and should pay ) and also without waiting the required 180 days.
01/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 443XX
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.
12/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 443XX
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.
05/06/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 492XX
Web
XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX and XXXX however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.
05/06/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 492XX
Web
XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX and XXXX however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.
08/19/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48186
Web
I called the XXXX hospital & the collection agency about bill. The hospital said I didn't have any insurance, but I know wasn't true. I've been working for the same company for 23 years with the same insurance. So I gave them my information & also contacted the collection agency. Collection agency said it's nothing they can do and want full payment. I called back to hospital all of a sudden my bill is now showing paid, but collection agency says they have to wait for a clearance from hospital then it will take 30 days to remove off my credit and I dont think this is fair to me!
07/20/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 490XX
Web
On XX/XX/2020, I received an email from XXXX that this medical Bill was listed with the credit Bureau reporting agencies for collection. I never received a collection letter from this company and because of this was not given the 30 day right to question this or dispute it. I want this deleted from all the bureaus as my consumer rights were violated as I was not given the opportunity in writing to question this. If this is in fact owed I am willing to pay it providing this is removed from all of the bureaus as it is damaging my perfect credit and bills paid on time as agreed.
10/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 853XX
Web
I filed investigation for collection account on my XXXX report for Arbor Professional Solutions. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. XXXX failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.
02/07/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48192
Web
This company has given many run arounds and puts the blame on me when they have broke the law by double reporting and even gave the debt to another company. They no longer own and have claimed that they still do so. They are extremely unprofessional, never responded to the debt validation letter that was sent to them and overall a shady " company. '' I sent the letter back on XX/XX/22 and heard nothing back, I then got a different letter from another company. I am beyond frustrated and annoyed they that keep claiming to own something that is no longer theirs.
08/07/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48111
Web
I have 2 charges from ambulance rides. At the time the two insurance companies both rejected the claim. Only a year after the fire dept turned this fees over to XXXX XXXX XXXX. The insurance company tried to rectify the situation and XXXX XXXX XXXX turned them down. The two fees for XXXX XXXX XXXX are XXXX $ and XXXX . Both were not adjusted by either Insurance co. The final charge is for XXXX dollars for XXXX Hospital. I was at XXXX hospital during that time but the money that is owed was paid for at the time of service. Im currently getting proof of that.
02/10/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IL
  • 60628
Web
I proceeded to call this company to see if they had gotten my police report the lady that answered was very sweet how the guy supervisor who ever he was so disrespectful when I asked to get a letter of them canceling this account as he told me they were he In turn told me I would get nothing saying anything because I filed a complaint with the CFPB so rude and began being very nasty after us where I hung up the phone I was the victim of this fraud account. He made me feel like I was the perpetrator this company should be out of business.
02/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48219
Web
Despite the multiple previous written requests, the ARBOR PROFESSIONAL SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
02/09/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43607
Web
Upon checking my credit file, I noticed that I have two accounts listed on my trade lines from Arbor Professional Solutions. The fair credit reporting act requires that debt collection agencies give consumers the right to dispute any alleged debt and the company are required to validate the debt ... this company did neither I never received the right to dispute this account nor have I received any correspondence in the mail regarding this account. By law this account should not be listed on my trade lines
02/07/2021 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
  • IL
  • 60419
Web
Ive reached out to XXXX and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX when I call XXXX they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account
05/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48390
Web
Arbor Professional solution has placed this collection account on my credit report for XXXX this is a billing error. They have failed to provide me copies of validation I have sent multiple validation request to this company. That is viable evidence bearing my signature that i ever owed Arbor Professional Solution. This account is not accurate and should have not been placed on my report
10/16/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 853XX
Web
On XX/XX/18 I requested written validation of this debt in accordance with the provisions of The Fair Debt Collection Practices Act. I sent this letter certified mail XXXX XXXX XXXX XXXX XXXX. I received nothing, the statute requires a debt collector, not the creditor, to mail the verification to the consumer. The reporting credit company is not acting in fair manner
12/12/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • MI
  • 48197
Web
There are a few things I noticed on my credit report that I do not believe to be accurate. One is that I have several accounts with sums of money invested between crypto, real estate, commodities, and it shows no additional information in the report. Another is that there is a derogatory bill in the amount of XXXX $ that is harming my credit but was payed off?
01/19/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 482XX
Web
During the time of the event when this occurred i had XXXX which covered this, i explained the company did not due the diligence even after receiving the XXXX card and info. The balance should have been removed instead i recieved phone calls from the company threating to affect my credit score and sue. These charges should not have been charged.
12/10/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48235
Web
It is brought to my attention that I have a debt on my credit reports due to an ambulance service. I have never used an ambulance to be transported to a medical facility nor have I authorized anyone else on my behalf. I do not recognize this account for the dates that the collector is specifying I had services performed.
02/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 48180
Web Older American
XXXX dollars for medical service Arbor Professional Solutions orginally XXXX fire dept ambulance service was discharged bankruptcy XXXX XXXX filed XX/XX/XXXX completed and discharged XXXX XXXX debtor has no legal standing to pursue further demand removal from XXXX credit report as it is false information
02/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60628
Web
I reached out to this company regarding an fraudulent account that doesnt belong to me I am making a formal complaint to have this erased off of my credit as I am I victim of identity fraud this is reporting on my XXXX account as of now I reached out to this company and sent both a copy of police report
04/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48227
Web
I have disputed Arbor Professional Solutions, account number XXXX on XXXX XXXX, XXXX and XXXX. This furnisher is not forthcoming with actual legitimate verification. This furnished information is inaccurate and can not be substantiated. This account still remains on my credit report.
12/08/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 48180
Web
All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX CREDIT BUREAU ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
12/21/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 463XX
Web
This debt has been court ordered 2 be paid by my x Husband which he agreed too in our settlement XXXX/XXXX/XXXX. I have court documents to support this as the XXXX in nature and of which he plead guilty to XXXX/XXXX/XXXX
09/08/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48185
Web
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
12/09/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 48180
Web
ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED
01/10/2024 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36117
Web
I have sent a certified letter to this company to verify and validate this debt in writings several time and nothing have happen i even disputed this debt to all 3 credit bureaus and nothing
05/19/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37075
Web
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.
10/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48180
Web
XXXX of 2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter
08/07/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48237
Web
Do not understand what I owe {$60.00} to this company in XXXX Michigan ARBR Pro Sol report XX/XX/2016. This amount is not owe by XXXX XXXX XXXX
08/26/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48213
Web
Arbor Professional Solutions is violating federal laws and have sent me a billing statement with billing errors, see attached documents.
01/15/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48192
Web
XX/XX/22 I sent a debt verification letter to Arbor Solutions and never got anything back. My information was sold to another company.
12/09/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 48180
Web
DEBT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY XXXX/XXXX/XXXX. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS
09/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 480XX
Web
XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX XXXX {$230.00} XX/XX/2018 I have never done business with this company.
02/01/2024 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you instead of your attorney
  • MI
  • 48314
Web
11/21/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48184
Web
06/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48342
Web
05/05/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48876
Web
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 63033
Web
04/16/2023 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
  • MO
  • 63033
Web
04/09/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48066
Web
01/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48066
Web
11/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48213
Web
11/25/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48015
Web
11/21/2022 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
  • 48238
Web Servicemember
10/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48213
Web
10/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48213
Web
09/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48213
Web
07/14/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48187
Web
05/04/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48044
Web
05/04/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OR
  • 97219
Web
02/07/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48375
Web
12/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 49043
Web
12/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37214
Web
08/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32839
Web
02/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21208
Web
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
  • Investigation took more than 30 days
  • MI
  • 48331
Web
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
  • Investigation took more than 30 days
  • MI
  • 48336
Web
12/08/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48653
Web
10/31/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 49442
Fax
08/31/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48823
Referral
06/30/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
12/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48235
Web Servicemember
07/09/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48223
Web
01/03/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48033
Web Servicemember
09/08/2018 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
  • 32792
Web
08/02/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46615
Web
08/02/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46615
Web
06/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48217
Web
05/21/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48080
Web
02/20/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30132
Web
02/04/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48174
Web
01/03/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 49230
Web
11/03/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46619
Web Servicemember
09/25/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48312
Web
08/03/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48131
Postal mail
07/28/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49007
Web
12/01/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43560
Web
11/26/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33713
Web
11/24/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • MI
  • 49221
Web
06/14/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60640
Fax
12/15/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76442
Phone Servicemember
06/04/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75044
Web
02/25/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48144
Web
12/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 49048
Web
07/17/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Impersonated an attorney or official
  • OH
  • 43119
Web
01/10/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48098
Web
10/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48206
Referral
07/12/2013 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48433
Postal mail