ATG Credit, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/11/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37027	Web
This is my second complaint against ATG because I believe they were dishonest in their first response. I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX and XXXX had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification. Company 's Response : " This is an outstanding balance owed to XXXX XXXX XXXX. We have issued validation notice to the consumer at [ redacted ] C/O [ redacted ] XXXX [ redacted ]. We have also made numerous calls to the consumer all of which have not been returned. This is a valid debt and we would encourage the consumer to contact us at XXXX or via our web portal. Thank you '' That is not the correct spelling of either my name nor my street. Perhaps this why I never received the letter, but I absolutely never received the letter. Furthermore, the company doesn't bother to say what date they allegedly sent the letter nor furnish I copy, leading me to believe they not being truthful. I also do not know what number they have been attempting to reach me at, but I have never received any messages at any phone number I am currently using. Again, I never received any notice of this debt by any valid means appropriately calculated to reach me. Now that I understand the underlying matter, I will further add that I don't owe anything to XXXX as they did not appropriately handle the chargebacks at issue. Here is a brief summary of the issue with them : a customer filed a bogus chargeback claim against me claiming that goods/services werent delivered ( they had been delivered ). I received email notification of the chargeback claim with a deadline to respond to it. I responded to the chargeback claim well before the deadline with a detailed explanation of the transaction with the customer and multiple pieces of evidence that the goods and services had been delivered to the customer. I received an automated confirmation of my response from XXXX. I didnt hear anything for a while so I started sending emails asking for an update ( I got the auto response email for all of those emails so they were received ). After the third one with no response, I was getting frustrated so I sent another email expressing my frustration at the lack of response. XXXX from XXXX emailed me back to tell me the chargeback claim was closed in favor of the customer because I had failed to respond! I immediately emailed her back to tell her this was a mistake that needed to be immediately corrected and I forwarded my original response email and the auto response confirmation email from XXXX. No response. I then emailed XXXX three more times requesting a response and never got one. I sent a fourth email telling her I would be calling the next day to speak to her supervisor to speak about the issue if I didnt get a response. The following day, I got an email from XXXX, the supervisor, asking to speak to me that day. I had extremely limited availability that day due to being back to back trainings, but I gave her my availability. I didnt hear from her. I then emailed XXXX two more times telling her when I was available or asking her to tell me when she was available, but never received a response. I later received an email from XXXX asking to call her ( even though she had ignored the multiple available times I had given her to call me ). I called the number she provided and I was told I needed to call her at a different number, but I was given a fax number. I called back, told I would be transferred and I was hung up on. I called back again, transferred and got a voicemail despite being told she would be at her desk waiting for my call. I left a message that she never returned. I tried calling three more times and was either disconnected or left a message that wasnt returned. It was clear I was being dodged and I gave up. I will not be held responsible for XXXX 's incompetence and inability to fairly adjudicate a chargeback claim when I timely submitted all documentation to be considered ( and they confirmed receipt ). This matter was never fairly considered on the merits and I will not be charged by them as such.
02/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60623	Web
Dear Collector : 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 complete Audit Trail 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 and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 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. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) 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 : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation. 15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely. 15 U.S. Code? 1692f-Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. You used symbols on envelopes which violated the law. 15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me. 15 U.S. Code 1692j - Furnishing certain deceptive forms ( 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. I am not participating in the collection of this alleged debt. Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation 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 along with the violations you already committed. Sincerely, XXXX XXXX
01/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 116XX	Web
ATG collection agency took an old account from XX/XX/XXXX and put it in my credit report as if it were a new account. They also added funds to this account I have reported this to other entities as well please remove this from my report and also fine this collection company please. Additional information added 1. ATG are the ones who gave me the information to fight this 2. The bursar receipt they supplied to me states a balance from XX/XX/XXXX 3. The balance was {$4200.00} 4. This was since either paid or written off 5. I graduated with an XXXX XXXX and then I returned for my XXXX XXXX 6. I do not owe XXXX anything 7. This {$4200.00} was put in my report 8 years ago and deleted last year this company ATG found it and charge an extra XXXX to it and put it in my report 8. Remove this from my report 1 the statute of limitation is out for that amount and the charge was deleted 9. The added extra XXXX they have added is fraud 10. See FCRA Section 623 11. They sated this account was opened in XX/XX/XXXX this is not true they are falsely stating this. Consumer Financial Protection Bureau please investigate ATG actions XXXX. XXXX XXXX XXXX, IA XXXX Read Below please file a complaint with these people I have not heard a response from them after they alleged information to the credit bureaus XXXX and XXXX please read below. Complaint Against : ATG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATG Account # XXXX FTC : Please see below this company is not telling the truth I want them fine for pulling my school records from XX/XX/XXXX. Federal Trade Commissions Consumer Response Center XXXX XXXX XXXX XXXX XXXX. Washington, DC XXXX XXXX : Please review this company read below what they did to me and how they violated my HIPAA rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Please does not use an XXXX please manually investigate this and remove from my report. This company has falsely reported a debt in my credit report I have also sent to them a letter inference to the validation of this information they have not responded back to me. This company previously sent me personal information that was obtained from my personal school records account which dated back to XX/XX/XXXX they according to section 623 of the FCRA has submitted false information to substantiate there alleged balance owed of {$10000.00} to XXXX. I want to know how they retrieve information that has nothing to do with their claim Either this company does not know how to comprehend a bursar receipt or they are making up their own rules. These are false charges created by ATG to inhibit funds from me. I ask that you remove this derogatory amount from my credit report I do not owe ATG as I do not nor ever had a signed contract with them to even mail me anything please remove ATG derogatory remark I will them immediately for defamation of character and false indications in my credit report. As I stated you have not proven that you are legally bound to be in my credit report. I as a state of NC resident am appalled at your action. The statue of any limitation must be abided by and you have not abided by any law as such weather it is NY or NC I will not permit this action to proceed. Remove your remark from my report remove your company and do not put it back in my report I am and will report you to the XXXX, FTC and any other county entity for your action. I want their license number and they restricted from collecting from anyone. This company does not have a license to collect anywhere they are a fraud. Please provide this information. The courts will request this information. You submitted a debt from XX/XX/XXXX in your paper work stating {$4200.00} XXXX review the data. Beyond this you can not collect on a charge past the statute of limitation amongst other reasons. You submitted a 7year old debt this must be deleted you have a false statement. ATG you sent me documents from XX/XX/XXXX Furthermore, I do not have an account with XXXX XXXX XXXX as you mentioned. If you have purchased such debt from this entity you are liable to produce to the civil court your purchase receipt and all document that you presumed such debt exist. What gives you the right to steal anyones information I do not have an account with you or your entity where ever or whoever records you pulled you will be charged with theft. You have violated HIPAA in all aspects. Who gave you my school information and records? There charges are false and you have alleged a charge of {$10000.00} that is untrue that is my dispute.These people dug into my college records and sent me my application from XX/XX/XXXX how is this proof of a debt they have XXXX debt in my credit and they show a bill from XX/XX/XXXX with no date and no billing date. This does not substantiate the balance indicated and this should not be in my report this bursar does not show your balance.
01/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 116XX	Web
XX/XX/XXXX To : Consumer Financial Protection Bureau please investigate ATG XXXX XXXX XXXX XXXX, IA XXXX Consumer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX D.O.B XX/XX/XXXX XXXX *Complaint : Company in Credit file should be removed. XXXX continues to state that they have completed my dispute I see no changes I was not given any documents from them. What Happened : ATG pulled my school records that they should not have. They have no proven balance from this bursar receipt they retrieved. This account should be removed from my report. They produced to me a admission copy from XX/XX/XXXX I have 2 degrees I have not stating that I never went to XXXX I do not know where they keep getting my personal information from although they have no provided proof of a balance for {$10000.00} Who : Company complaint. ATG*account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The people involved : They will not sign any of the letters they send to me so I dont know who the people are other than ATG Result : Issue : Remove Account Company Account : ATG Account : Account # XXXX This account was previously deleted please remove. This company is breaking the law and they know it. 1. I never made any payment 2. I never acknowledged this account 3. I never spoke to anyone in reference to this account 4. The statue of any limitation has been exhausted This account is not valid 5. This was an account brought by other which was removed from my report previously FAIR CREDIT REPORTING ACT SECTION 609 This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation FCRA section 611 : Investigation results. Please forward to me whom you spoke to, the number you called, the title of the person you spoke to also the address and any providing documentation. Complaint : Company in Credit file should be removed. ATG**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 1. This company is reporting an account in my credit report with no valid legal right 2. This company pulled my college records without my knowledge 3. This company is a fraud they submitted nothing to credit bureau and was able to add this to my credit report. They should not have been allowed to do this. 4. I want this company investigated and this removed from my report 5. I do not have an account with this company. 6. This company falsely pulled information they had no right to access Federal Trade Commissions Consumer Response Center XXXX XXXX XXXX XXXX XXXX. Washington, DC XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( ATG ) must send to me what legal right you have to pull any school records about any person. You have not proven to me the time or balance documentation, of the foresaid debt you stated occurred on the client you mentioned. You have printed off a statement of a student records from bursar office that you were never given the right to do. That had no indication of a {$10000.00} I demand you take this charge off of my report. You have not proven to me or any other entity of this charge from beginning to end. You have merely supplied me with a print out of school class charges in which does not indicate this charge or past due balance. You are obligated to produce to me the date of the original balance and the occurred charge I have not been in school since XX/XX/XXXX there were no charges produced in XX/XX/XXXX.For any student nor I am conceding to any of your charges or you allegations I am going to report you to the fraud department for allegedly stating that I received these charges XX/XX/XXXX without any proof of such matter you XXXX and XXXX allowed this to be put in my credit report it is discrimination, yet you have a breech and no one does anything. You have not proven nor given to me a balance bill or and presumed balance charge from the entity. Remove from my credit report.
10/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 337XX	Web	Servicemember
Based on the detailed facts below and attached documents, I am concerned that I am a victim of some type of attempted financial fraud by a collection agency or an alleged collection agency. On XXXX XXXX, 2015, I began receiving several alerts at the same time, from my credit monitoring service related to various companies who claim that I owe them a debt. The majority of what I could glean from the credit alert was that the alleged debts were related to medical collections although a few of the alerts did not state any circumstances regarding the debts. In the case of XXXX XXXX XXXX XXXX and XXXX XXXX, they appear to be the same company using the tactic of reporting the same collection to various credit reporting agencies but using different names in an attempt to damage my credit and coerce me to pay for a debt that I do not owe. I have never received bills from the said companies and I have no idea what the nature of the collection may be. In the case of ATG CREDIT LLC, the amounts owed are different than proposed by XXXX XXXX XXXX and XXXX but I am concerned that this company is somehow related to or acting on behalf of XXXX and XXXX since their collection attempt is also related to alleged " medical '' debts and it was reported to the credit unions on the same day that XXXX and XXXX placed the negative charge against my credit. In addition, if they are related companies coercing me to pay a debt not owed while holding my credit worthiness status hostage, the act of reporting the same debt to different agencies, changing account numbers, changing their corporation names and addresses is manipulative and is an exaggeration to deliberately coerce me to send money for a debt not owed. Please advise me whether or not this practice is illegal in the State of Florida or under Federal Law. I can not believe that we have a judicial system that allows scandalous collection agencies to use bully tactics to siphon money from unwitting citizens and furthermore, are not required to provide me with official notice of the details of the debt owed including the establishment where the debt was incurred, the dates and any proof of their allegations. I have not been provided any services by XXXX XXXX XXXX, XXXX XXXX or ATG CREDIT! NOTE : On XXXX/XXXX/2015, I called ATG CREDIT using the number ( XXXX ) XXXX to inquire about the debt at XXXX. I spoke to a woman who escalated the conversation to the level of a bully and did not provide details regarding the nature of the debt, the provider, the date, etc. A few minutes later, I called back to try and get another service representative and I did. I explained why I was calling and he politely told me to hold. The same bully got back on the line with a harassing tone and hung up when I asked her permission to record our conversation. She said she was recording me so I only thought it was fair to represent myself for future issues. To date, I have yet to receive the requested formal correspondence regarding the details of what the company claims I owe to them. The collection is still on my file. How is all of this legal???
11/22/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46368	Web	Servicemember
I do not accept responsibility for ANY debt and I do not acknowledge any debt being collected by ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. Now, I received a phone call out of the blue from this company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX asking for a person with a similar name XXXX XXXX. I indicated that they had the wrong person as I am XXXX XXXX and made a point to call them back and demand that they cease calling my number ( I do have the call log if the CFPB wishes to see it ), again telling them THEY HAVE THE WRONG PERSON. The Collection Agent just hung up without acknowledging the mistake. Now I am getting mail sent to my home from the same company which I opened by mistake due to the similarity in name. I recognized the name of the collections company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, now sending demands to my home. Again ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is sending collection attempts TO A PERSON WITH A DIFFERENT NAME and violated my privacy by locating my address ( NOT LISTED ) in its attempts to collect a debt. The Collections company has been illegally infiltrating my credit and using illicit tactics to obtain my address in its attempt to collect from a person with a similar name of its debtor. This complaint to the CFPB is being done on record to exhaust all avenues of consumer protection prior to legal action against this collection agency for harassment, mental abuse and privacy violations. I will not be harassed and I will fight back. I realize the nature of collections work must be tiring and endless. And I see how it is easy to attack the wrong person when you cast a net so wide. However, That being said I am not going to permit a collector to ruin my name when they were told all they needed to know from day one NOT THE RIGHT PERSON. What gives them the right to invade my privacy and continue to harass me? I do not need to explain my personal business with any collector and they have no justification for this harassment. Let this complaint serve as notice to ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX is attempting to collect a debt from the WRONG PERSON. From this day forward they are to make NO CONTACT with me at all. No calls, no letters, no contact with friends or relatives. They are not to abuse my privacy by illicit credit report invasions or checks on my good name. Any further attacks from ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX will be met with swift legal action. Do n't try me.
12/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 331XX	Web
I contracted XXXX services in my residence through XXXX XXXX back in XXXX. For installation services, they claim they sent me an invoice for XXXX {$49.00} by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of XXXX, I requested, in at least XXXX occasion, support services from XXXX during the period I had XXXX in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? Now, 6 months after I canceled XXXX services, and more than one year after the installatoion date in XXXX, an open collection account with XXXX is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in XXXX ( the XXXX I never received ). XXXX has always had my address, e-mail address, phone number and, more importantly, a valid credit card on file. Why is it that they never sent me any communication, verbal or written, that I had an active debt of XXXX {$49.00} so I could pay for it. Why have they never charged my credit card they had on file for the XXXX {$49.00}. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in XXXX. And with that, they assumed I was a bad payer ( even knowing that I paid all XXXX monthly fees on time for the 7 months I had the service. This is absurd. They sent my debt for collection to ATG Credit. After chatting with XXXX 's customer service representative, I then immediately called ATG Credit and paid for the pending XXXX {$49.00}. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have XXXX leases I pay religiously every month. After the collections account was sent to Equifax, my credit was hit by XXXX points because of that. This is not fair. I can not pay a debt I never knew I had. Now I am shopping for a home and was looking for alternatives to get a mortgage. These XXXX points can considerably increase the financial cost of a mortgage loan.
06/28/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	WI 530XX	Web
I have informed ATG Credit of XXXX fraudulence. ATG Credit decided to call me excessively even calling my job and trying to force me to pay them after I have asked them not to contact me because I have communicated to both XXXX & ATG credit of their error. ATG Credit was very disrespectful in stating that I need to take care of this matter instead of listening to or reading the statements mailed to them. They are very aggressive and only care about getting your money at any cost even if it could cost my job with their rude phone calls to my employer. I had to take an early lunch and tell their representative to NEVER call my job again before I seek legal action. This debt is the result of XXXX miscommunication within their departments. Also, their negligence in enrollment into their school. And they think it is fair because of their negligence and miscommunication to solicit money from me. I do not have one credit, nor degree, nor textbook, nor bit of education or information other than the fact that XXXX assisted in requesting Financial Aid for me to attend their school, then they stated I was not eligible and then decided I needed to pay out of pocket. If I had the money I would not have needed Finanical Aid, yet they dug this hole and left me in it. They forced me to withdraw from orientation because I could not afford to pay. If XXXX want the {$3600.00} they are requeting then they need to provide me with a partial degree, or education because they have provided me with nothing but falsities on my credit report and rude debt collectors. My next complaint is that I have tired to dispute this on several occasions with XXXX and you feel this reporting on my credit report is accurate. I would like to know on what grounds, so are just as bad as ATG Credit and XXXX. On what basis did you come up with that information. I then proceeded to contact every XXXX & XXXX number listed only to not be able to contact anyone to rectify this matter. At this point I feel that educational institutions and their debt collection counterparts are a disgrace to consumers as well as XXXX as they all work together to devalue you and not value your rights and take each matter case by case and truly investigate a matter, especially such as this one because XXXX created this issue, it is fraud that they can rip me off like this, I have nothing to show for it but a poor credit score. And ATG Credit is a bully just as XXXX by stating the information is accurate. It is unethical and fraud what they are doing!
05/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37027	Web	Servicemember
I first learned of this debt when I saw the debt on my credit report. I filed a previous complaint with CFPB on the basis that I had never been notified of the debt before it was reported to the credit bureaus and I still had not received notification of it at the time of filing the complaint. ATG claimed they sent me notification, but provided an incorrect mailing address and would never verify what phone number they claimed to have been calling. That complaint was closed without any resolution. Subsequently, on XX/XX/2019 ( 5 months after reporting the debt to the credit bureaus ), I received the first notification of the debt with an accounting and a copy of the " contract '' with XXXX XXXX XXXX that purportedly provided the basis for the alleged debts. The " contract '' consisted of a merchant application and a terms and conditions document. The " contract '' is invalid and unenforceable and does not provide a means for collecting these alleged debts. I completed the merchant application, but immediately above my signature there was a box to check indicating that I received the terms and conditions document. I specifically did not check this box because I was never provided with the terms and conditions document ( I was only given the merchant application ). I was never thereafter provided with the terms and conditions ( not that providing them after the fact of signing would be valid anyways ) and the first time I saw this document was when ATG sent it to me on XX/XX/2019. I am attaching the email I received with the merchant application so you can see that I was not provided with the terms and conditions and the completed application I returned to them. I never agreed to be in a contractual relationship with Integrity. A valid contract requires offer and acceptance of the terms of the contract. As I was never provides with the terms, there was no acceptance of the terms and, hence, no contract was formed. If somebody were to claim that by my signing the merchant application, I unwittingly entered a contract, such contract would be void as unconscionable due to the unfair surprise of attempting to bind me to contractual terms that were not provided at the time of contract formation. There is no valid contractual basis under which Integrity/ATG can seek to collect these debts that are allegedly owed. My personal credit and reputation are being damaged by these illegal attempts to collect this debt.
07/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60639	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
06/09/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IL 60586	Web
Describe what happened so we can understand the issue ... XX/XX/2015 I was contacted by ATG credit in reference to a Medical debt totaling XXXX for numerous accounts. I was advised that it had not reported to the Credit Bureau as of yet and in order to hold the account from further action I needed to pay the balance. I agreed to a one time payment of XXXX over the phone and advised that I would try to make a large payment the following month. On XXXX XXXX ATG withdrew XXXX out of my checking account. I called them immediately and was advised they had me on record authorizing this amount. I told them that it was untrue. They advised me they would review the recording and call back When the representative called back she advised me it was valid. I asked her directly if the recording stated I agreed to this amount or did I say that I would make arrangements for the amount. She stated I agreed to it which is a blatant lie. I filed a fraud complaint with my bank and the BUREAU OF CONSUMER FINANCIAL PROTECTION ( XXXX ) for the funds which were returned ... .. Today I received a call from XXXX for the same debt for XXXX I explained to her they have already reported to my credit bureau which she states they have not. She said they have sent numerous letters no letters have been received from ATG credit since their violation of EFTA. She demanded a payment arrangement and advised me it would be reported the following week. The previous payment arrangements were for the same hospital stay I believe they are finding a reason to contact me again by misinforming of the number of accounts/balance and I feel harassed and confused about what I actually owe. I will not give them any payment information based on the fraudulent abusive and unscrupulous actions previously. XXXX ATG Credit LLC said : Explanation of closure We have reviewed the account and determined that the complainant did agree to the payments but asked us to hold them until she contacted us back. The payments should not have been processed. We have placed the account on hold and as a courtesy have removed from reporting on credit. The account is still outstanding but we have pulled future payments and removed from credit. It appears the payments did not clear so the balance does remain outstanding but as a courtesy we have removed from credit for the time being.
03/29/2016	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	SC 29410	Web
In XXXX XXXX, my account was transferred from XXXX XXXX to ATG Credit to collect a debt that is owed to XXXX XXXX. In XXXX XXXX, I received final statement from XXXX XXXX that my remaining balance for my debt was in the amount of {$25000.00}. However, when ATG Credit first contacted me to collect this transferred debt it stated that I am to owe {$32000.00}. I contacted ATG Credit on several attempts to communicate that the balance due did not match what I have paid towards this debt. I also informed ATG Credit that the debt they attempted to collect does not have the monthly payments I provided to XXXX XXXX for the last two years accounted for. I still provided ATG Credit with monthly payments in the amount of {$250.00} from XXXX XXXX- XXXX XXXX, as I was instructed that they would resolve the matter. I was told from a representative at XXXX Credit that they would communicate with XXXX XXXX and the original collector, " XXXX XXXX '' to confirm my remaining balance. However, I have not received any confirmation and no one has resolved the matter. XXXX XXXX, I asked for ATG Credit to remove my credit card information and to stop taking payment until the matter is resolved. From XXXX XXXX, this is still an issue that has not been resolved. I am continually receiving letters from ATG Credit stating that I owe {$32.00}, XXXX in full, but nothing that confirms they are looking into resolving my remaining balance due. I have not received payment confirmation from ATG Credit for payments made between XX/XX/XXXX-XX/XX/XXXX, even though I have requested this each month. I changed my address to my parents ' address in the event that I was not receiving their letters, but even with the change in address nothing was or has been delivered to my parents ' address as well. I worry that this company is collecting debt with no clear statement of what the remaining balance is. It should not take a matter of six months to communicate with the debt collector what the remaining balance of the loan should be. ATG Credit has been very rude and provided poor service to resolve this matter. I have faxed and emailed ATG Credit my last balance statement from XXXX XXXX as proof of what my remaining balance should be, and the matter was still not resolved. This collector is not doing their part to fix this issue.
10/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90066	Web
On XX/XX/XXXX I noticed around XXXX points were deducted from my credit score. XX/XX/XXXX : I saw that on XX/XX/XXXX ATG Collections had opened a derogatory account against me attempting to collect {$650.00} in medical charges from a service in XXXX. XX/XX/XXXX : I called the original creditor, XXXX XXXXXXXX, and they confirmed with me that my account has already been resolved with remaining balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX and was also told my balance has been resolved as well. XXXX said that I as a XXXX patient am not financially responsible for any medical bills and that even in the event that my insurance does not pay ( in part or in full ), the creditor must absorb the rest. They have sent me a " Resolution of Your Grievance Request ''. I also called ATG and they told me that XXXX XXXX would have to directly contact them to confirm the resolved account. XXXX XXXX told me that ATG would have to contact them directly to request that. It has been a back and forth ever since with neither side willing to contact the other directly for confirmation. Between XX/XX/XXXX and XX/XX/XXXX I called and asked ATG for verification of debt. They emailed me an itemizied statement from XXXX XXXX that showed the charges, the sale of debt write off to ATG and the subsequent insurance payment/settlement. I have attached this document below. XXXX : I called ATG and asked to speak to their manager XXXX. She was unavailable and told her rep to tell me that this itemized statement from XXXX XXXX was not acceptable. She insisted that only an EOB from my insurance would be accepted as proof of my resolved account. XXXX XXXX said that this was the responsibility of XXXX XXXX who fall under XXXX XXXX. Their investigation showed that this bill was not found in their system. They called XXXX XXXX and spoke with XXXX on XX/XX/XXXX who said the issue with my account has been resolved and now shows {$0.00}. From XXXX I have opened 4 disputes online : 2 with XXXX, 1 with XXXX and 1 with XXXX. Both XXXX disputes came back incorrectly showing I still owe {$650.00} to ATG. This is misrepresentation and ATG seems unwilling to update my account and stop trying to collect from me despite documented evidence provided to them.
01/28/2021	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 Their investigation did not fix an error on your report	PA 160XX	Web
I attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them? After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE. It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work. I disputed it multiple times with XXXX XXXX and XXXX but there has been no luck with XXXX. Both XXXX and XXXX removed the collection account from my reports but XXXX is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX credit report immediately. Thank you for listening!
05/02/2020	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	IL 60653	Web	Servicemember
This complaint is being sent to you in response to a listing on my credit report. 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 ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to 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, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
11/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60644	Web
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATG Credit Re : Acct # Unknown To Disputes Department : This letter is in response to your recent claim regarding an unknown account, which you claim that I owe you {$280.00}. By not replying in a timely manner to my initial letter on XXXX/XXXX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, 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 may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX L XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60543	Web
This account ATG Credit ( XXXX XXXX XXXX ) has been in dispute since XX/XX/XXXX. ATG Credit has been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. When I first disputed this account I noticed the dates of last activity was different for each bureau they stated XX/XX/XXXX for XXXX and XXXX XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX I sent a written response and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last activity on the account this time XXXX reports XXXX XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. As well they are still missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.
06/29/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	PA 160XX	Web
Around XXXX, I started receiving notifications via email/voicemail from XXXX that I had a balance due on a student loan with them from disenrolling in the Pastry program there. I returned the phone calls and countless emails with multiple reps in the financial aid office and the admin offices and they couldnt find a account that was past due in any history and wasnt sure why I was still getting notifications. It escalated to the financial dean & the dean of the college and they said the account was fulfilled and nothing was due on my end of things and assured me nothing would go on my credit report and I do not owe any money since Ive paid what I needed previously. Fast forward to XXXX, I start receiving multiple hounding phone calls from multiple random numbers from ATG Credit regarding a past due balance of {$4200.00}. I explained to them that I do not owe this and I have no clue where this amount came up. Coincidentally, the amount coinsides with the amount back in XXXX that I kept receiving notifications for. I explained to ATG that I resolved this last year with the dean and the financial aid office and ATG explained that XXXX was the one that sent it to them. After the phone conversation, ATG was going to contact XXXX and resolve this. In XXXX, Ive gotten about 4-6 calls a day from ATG about collecting the amount and now on my credit report, ATG reported another amount of {$5000.00} and I never received anything in the mail for the past 2 years from ATG or XXXX. This has not only been an ongoing issue for 3+ years, in the middle of a pandemic, its not fair for ATG & XXXX to take advantage of a former student and to recoup any money theyve lost from the pandemic. I do not condone this action and request for it to be finally resolved after all this time because at this rate, I feel like I do have to take legal action if this isnt resolved. Putting in the request with CFPB is my last ditch effort to get it resolved at the consumer level.
05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53202	Web
To ATG llc, The manger I talked to At AtG llc, does not know the law when it come to consumer Rights. What this lady is doing is intentional by putting the debt that is not mines on other credit reports like XXXX ect. On my XXXX account I challenge what was on my report from ATG llc. I said I was the original creditor, XXXX stated, Account information disputed by consumer meets FCRA requirements. So what ATG did was put that debt on my other credit reports. If ATG looks up 15 u.s.c 1602 and go to ( I ) term. I have a social security Card, at it States, means any car used for the purpose of obtaining money, property, labor, or services on credit. So when I opened my bank account I had to use my SSN to get a bank account, the money I used was mines because. That's why I say I'm the original creditor, because every debt or obligations or extension of credit is originated from my social security, so basically what the Bank XXXX is doing is using my credit a saying I owe them when I don't basically that is identity theft. 15 u.s.c 1681a ( 2 ) exclusions and ( I ) States that transaction and experience are not allowed on consumer reports. Because transaction is my payment history, transaction with the line of credit person/corporation extended to me. My experience is the amount of credit I'm using on that line between me the consumer and the person making the report so if the term consumer report does not include transaction or experience then where does late payments and utilizations come from? When I'm trying to explain this to the manager she basically goes of her own understanding and not the law, which she is deemed to know. The law is public anyone can look it up. No why would this manger keep going putting this debt on other sites when my complaint meet FCRA requirement. If I meet the requirements why would they keep reporting it to other credit reporting agencie?. They are in violation of the law and should receive a hefty fine.
11/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I attended XXXX ( GA ) in 2013. I withdrew from school. I assumed federal student loan debt, that I am now repaying. XXXX has been seeking debt, on what they say is a balance left on my student account. However, I received financial aid in grants as well, which created a refund, when I was enrolled. I have disputed this amount several times, with no proof of debt. Also, XXXX has sent this debt to a collection agency, which I have disputed. I received a ledger report of my account from XXXX that displays a refund dispursent, that then was reported as a EFT ( Electronic Funds Transfer ), to who (??? ) no one is able to tell me. The student finance representative told me, it was a re-coopment back to my financial aid lender. When I call the financial aid lender AND the NSLD ( National Student Loan Directory ), they have no record of another financial lender associated with my name, as well, no record delinquency or re-coopment of funding sent to the XXXX. I was advised to request validaty of the debt, submit a copy of ledger report, and proof of student loan repayment, to the credit reporting bureaus to disputed debt. When I call the collection agency ( ATG CREDIT LLC. ), the representative could not provided legitimacy of the debt, and that the school would have that information. When I advised her that I spoke with the school, student loan lender, and the NSLD, and was unable to get the requested information, she advised me to call the parent company of school ( XXXX XXXX XXXX ), and hung up in my face. I called XXXX, and that representative told me they did not have the details of the the debt and told me to call XXXX. When I told him I had went in circles already, he gave me an email to send my disputement to. I am tired and frustrated and need assistance to resolve this matter. It has/is hurting my credit score, reporting, employment, and lending options.
06/08/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NC 27288	Web
In XX/XX/XXXX I studied XXXX in XXXX, XXXX via a program through XXXX University while I was attending XXXX College XXXX in XXXX, IL as an XXXX student. I was awarded a certain amount of student loans to make this trip possible, in particular a federal grant ( not a loan ) that amounted between $ 5,500- {$5600.00}. Because I was not attending XXXX College for the XX/XX/XXXX XXXX due to my study XXXX program, these monies were applied to my study XXXX trip. I was later toldby the financial aid office at XXXX three months before my XX/XX/XXXX completion date that the grant to the amount of {$5500.00} was reapplied to my XX/XX/XXXX XXXX semester without knowledge. I never signed or made any written or verbal agreement with XXXX College, nor did my parents, to reapply funds from my study XXXX program to my XXXX program. XXXX College then attempted to tell me because they reapplied those funds without my knowledge or permission that I was now responsible in paying them back {$5500.00} because of adecision the financial aid office made without my knowledge or permission or that of my parents. I will not be held financially responsible for the poor decision making by XXXX College XXXX 's financial aid office. The financial aid office waited to inform me of this debt before I was set to complete my degree in order to impede me from receiving my diploma in an attempt to force me to pay more monies than I owed and force me into taking another semester of courses as they would not transfer my credits from my study XXXX program because of the debt they claimed I owed. I want confirmation in writing that XXXX College XXXX is responsible for the {$5800.00} debt and that it will be removed from my credit report and that I will not be held responsible for paying back any portion of this debt I did not incur.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43609	Web
I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
01/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90278	Web
ATG Credit contacted me in XX/XX/XXXX trying to collect a medical debt of {$5400.00}. This came as a shock to me and after doing some research, I do not believe this charge is valid. Over 4 years ago, in XXXX XXXX XXXX I received a XXXX XXXX while under the care of XXXX XXXX XXXX. XXXX XXXX XXXX was the lab that performed the test. It appears XXXX XXXX XXXX filed for bankruptcy in XX/XX/XXXX. XXXX claims they now own their debts, and that is why this bill has suddenly surfaced. I learned of the Fair Debt Collection Practices act and asked for evidence of ATG owning this debt and how their company got assigned the debt. They have not provided that information. I called ATG in XXXX XXXX XXXX to ask about where this debt came from and details of how it changed hands and my questions were met with hostility and eventually I was hung up on. When I spoke with my previous health insurance company, XXXX XXXX XXXX, about this claim they had different totals associated with the bill than what ATG is asking for. Furthermore, I asked XXXX XXXX office to review the bill that ATG sent and they said it is suspect based on what they know about what insurance usually covers ( for example, the labs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not covered and they are normally covered, even with minimal coding ; while tests for XXXX XXXX XXXX XXXX XXXX XXXX XXXX were applied to my deductible, which is unusual. ) This suggests that this blood test was never properly billed to insurance and is factually incorrect. Lastly and perhaps most importantly, since it has been over 4 years since the date of service, I believe this medical charge is outside of the statute of limitations in the state of California.
08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60624	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!!! ATG Credit , LLC 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 ).
06/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 84121	Web
I received a collection notice from ATG Credit , llc. on, or around XX/XX/XXXX. The letter is dated XX/XX/XXXX and is claiming a debt owed to XXXX XXXX XXXX for labs billed by the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. My understanding is that XXXX XXXX XXXX filed bankruptcy in XX/XX/XXXX and went of out business at that time. When I received my original statement from XXXX XXXX my insurance at that time ) in regard to XXXX XXXX XXXX bill, it showed the allowable charges and their payment. It also had an explanation of benefits that states I have 0 % patient responsibility for the remaining balance. XXXX was a contracted insurance provider with the office. The billed amount from XXXX XXXX XXXX was {$4600.00}. XXXX paid for the allowable charges and sent a statement explaining the balance with a {$0.00} patient responsibility. I have a copy of this statement. I also sent a response to ATG Credit, llc.within the required 30 days asking for proof of services that created the alleged debt, how the debt was calculated, copies of any papers that show I have an obligation, show that they are licensed to collect in the state of Utah, and provide me with their license numbers and Registered Agent within 30 days. In response ATG Credit , llc. sent a repeat request on XX/XX/XXXX with none of the requested information. Just a list of billed labs. I should also mention that after the statement from XXXX was received XXXX XXXX XXXX never sent any further communication. XXXX XXXX XXXX told me their contract with XXXX XXXX XXXX states they accept payment of whatever allowable charges are paid.
12/20/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web
I attended XXXX a few years ago and being that I was not born in the country-but I am a US citizen now-I was asked if I submitted selective service? I did and I was mailed a confirmation letter. I physically walked into the school and handed paperwork to someone at front desk. The persons took the letter sent to counselor and then a few days later I was admitted to the college and they asked me to apply for financial aid. FAFSA. I was told I had to apply and accept loans for an entire year-although each semester was only about 4 weeks or so. I attended school for about a year 1/2 and About a year later while registering for class I received a notice asking me to contact a counselor regarding financial aid-I was then told I could n't apply for financial aid because of selective service-I was told I would have to start paying them directly for college and I could n't get Federal loans anymore and they were sorry-because of selective service.. I still did n't understand-I had attended for 1 ( XXXX XXXX year. I eventually pulled my credit report and saw an {$18000.00} debt from a company and when called they told me XXXX said I owed and that they paid my student loan debts off ( and they wanted me to pay them ( XXXX XXXX {$18000.00}. I have never received a single sheet of paper explaining this, NOTHING, but when I dispute-they send an electronic notice back to credit bureau saying debt is verified. YET I have nothing, know nothing-no one can explain anything-nothing in writing from XXXX-or the collection company ( ATG ). Credit is being ruined and no one can explain anything.
10/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91505	Web
ATG Credit called and sent me a letter, to purport I owed {$3800.00} for XXXX XXXX XXXX XXXX ( which is a lie and also totally preposterous ) of a made up initial debt of {$4000.00} from XX/XX/2018. The Doctors office is XXXX XXXX XXXX ( XXXX ) XXXX I had paid at the time of the test and then my health insurance paid another {$37.00} I NEVER got even one bill from XXXX XXXX in this time, almost 6 years ago. Not one phone call either until a call in XXXX where she tried to get me to make a payment. I never ever heard about this until this phone call.I called XXXX XXXX XXXX office and they were also shocked. They told me XXXX XXXX has gone bankrupt. This is some sort of bizarre collection around the bankruptcy and acquisitions of many failing companies buying each other in a legal mess and making up false charges to try and collect as much as they can from people who don't owe anything from a long long long time ago. You can read about it online. It is obviously made up and the most bizarre thing I have ever experienced. Ive had a lot of XXXX XXXX over many decades and no XXXX XXXX XXXX ever costs {$4000.00}! Ive never seen any XXXX XXXX ever cost even as much as {$500.00}. This is common knowledge and common sense. AND Any actual medical bill is sent to the patient to pay a month later, not 6 years later, and it's also not conflated to be ten times what it actually costs. I also have never ever had a bill in my life go to collections. I pay all bills that are received and also real. So unethical.
01/09/2019	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	IL 60110	Web
I am filing this complaint because I cant help but feel a little cheated here. My credit score has dropped by over 90 points as a result of this collection from ATG credit. This is all stemming from a medical collection that I thought insurance was going to cover. The whole medical billing process is a mess and Im now being severely punished for something I had no fault in. Im trying to purchase a property and Im unable to qualify for the home loan program because my credit score is too low. I paid this collection once I was able to ascertain that it was valid and that it indeed was my liability. Throughout that process I think its worth mentioning that I kept receiving nothing but conflicting information and this is what ultimately led me to delay the process of making the payment. I already pay quite a bit of money every month for insurance so who would want to pay more without verifying information? In addition to this, I was also informed by a supervisor that once the account is paid, that the damage to my credit score will be reversed. This simply isnt true as I have come to find out that the Version of the Credit score that is utilized in Mortgage lending will punish you the same amount regardless if the collection account is paid or unpaid. This is really a travesty, I am unable to fulfill a lifelong dream of purchasing a home over a small medical collection. I am asking that they submit a request to remove this account from my credit reports so I can move forward with the purchase of my home.
01/17/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	GA 30058	Web
I recently received a response from ATG-only thru CFPB complaint-the company has never mailed a letter or anything but put an {$18000.00} debt on my credit. To this date they still have never mailed a letter either. They claim they sent a CARD with something on it showing my debt and classes a CARD-but not a letter NEVER HAPPENED. After receiving a response from CFPB- ATG advised that I withdrew from XXXX and that XXXX returned all loans back to Student loan. I never ever withdrew from school- In fact I was able to access my information today thru XXXX and noticed that they still have letters approving me for financial aid effective thru the end of XXXX. 1. If I withdrew from classes-what date did I withdraw? I have class schedules, grades from teachers, and financial aid that was paid to XXXX-those will be attached from XXXX. Even award notices thru XXXX-screen shots. 2/ XXXX stated that I could not receive student loans because of XXXX XXXX-but I am attaching document approval screen shots from financial aid department-and funds accepted. IF I DECIDED not to go back to school-then according to Federal Student loans-balance would start being paid back 6 months after out of school. I continued school-I never decided to quit or withdraw. I would owe Federal loans money not a private collection agency. Why would you return my loans after a year of taken classes-Why would you accept loans for a year or two if I withdrew and never attended. Please provided answers. and remove from credit.
11/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91205	Web
On XX/XX/XXXX, I received correspondence from ATG Credit LLC, alleging a debt of {$6100.00} purportedly owed to XXXX XXXX, a entity now under the ownership of ATG Credit LLC. Following this assertion, I promptly initiated a dispute, seeking both a documented agreement and thorough debt verification. In response, ATG Credit LLC forwarded a copy of a bill submitted to my insurance. I communicated to ATG Credit LLC that I possess no familiarity with XXXX XXXX and have never granted consent to engage with their services. Despite this, ATG Credit LLC insisted that the incurred lab work was initiated by my Primary Care Physician ( PCP ). Notably, the bill attributes the request to a doctor who has never served as my PCP. Regrettably, ATG Credit LLC continues to demand payment for a debt I assert is neither valid nor legitimate, accompanied by a forewarning that my account shall persist in an unpaid and delinquent status. Subsequent investigations have brought to light a concerning pattern wherein numerous individuals have reported unexpected medical debts from ATG Credit, all associated with XXXX XXXX entity notorious for its involvement in medical fraud. This situation not only raises serious questions regarding the legitimacy of the debt in question but also casts doubt on the practices of ATG Credit LLC in conjunction with XXXX XXXX. I am steadfast in my stance that the purported debt is fraudulent, and I anticipate a prompt resolution to rectify this erroneous claim.
12/06/2015	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	IL 60644	Web
I had a hospital visit where I saw several specialists. All medical providers billed me properly to the correct address. The XXXX company who did not, XXXX XXXX, sent communication to the wrong addresses and never reached out to me otherwise ; the company has documentation of using the incorrect address, none of which are addresses my insurance provider, the hospital, nor myself have ever used. XXXX XXXX seems to have several addresses mixed up into XXXX which created the communication error. They did however have my phone number and never used it to contact me and instead sent me to collections over {$8.00}. When I reached out to the collection agency, they were very rude and aggressive. The company, ATG Credit, refused to give assist me in a professional manner and also hung up on me. I then contacted XXXX XXXX and spoke with XXXX who said they would reach out to ATG to have my account pulled back to the XXXX XXXX to get this discrepancy rectified. The communication between both companies happened on XXXX XXXX, 2015. Since then I have not received any follow up and ATG has reported my account as Key Derogatory yet again. I have paid them the {$8.00} owed as I would have paid it if I was billed, but this is still on my report and the company did not hold up their end of the arrangement to remove the inaccurate credit infraction completely as if it were never there. IT should not have been there in the first place.
10/04/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48390	Web
I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called ATG on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.
09/30/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48390	Web
I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XX/XX/XXXX. I called ATG on XX/XX/XXXX and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XX/XX/XXXX I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC XXXX et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.
11/21/2022	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	TX 75212	Web
ATG Credit LLC is continuing to report several False and misleading on my credit report : 1. Falsely classifying as : XXXX XXXX XXXX ( On XXXX ) 2. Falsely Reporting Date Closed : XX/XX/2022 ( On XXXX Only ) in order to re-age the account. 4. Updated XXXX Original Creditor name to XXXX XXXX ( XXXX XXXX on XX/XX/2022 3. Verified as Accurate and Updated with XXXX on XXXX but continued to report Date Updated : XX/XX/2022, which means NO INVESTIGATION was conducted. 4. Failed to Respond to XXXX Dispute or Provide investigation results, but reporting Completed investigation of FCRA dispute - consumer disagrees 5. Did NOT provide dispute results for XXXX dispute, but updated the account without a investigation. 6. Failed to ADD the required Consumer Disputes remark to my XXXX report, which was received on XX/XX/2022 by XXXX. XXXX received my dispute on XX/XX/2022, and I received no response as of today. XXXX received my dispute on XX/XX/2022 and requested that I verify my identity, however the investigation was completed during that process, without me receiving the results. XXXX received my dispute on XX/XX/2022 and completed a investigation by XX/XX/2022, and stated Verified As Accurate And Updated, however the Date Updated Remained : XX/XX/2022, which means no investigation was actually conducted.
05/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34761	Web
This is a second complaint again st ATG C redit for another account they recently added to my credit report. I received no notice that this was being added to my credit, I only found out about this account when I discovered they had already reported it to my credit. The account number according to my report is " XXXX '' and the balance is {$6700.00}. I do n't know what this debt is for but this is not only time a company has come after me for this debt. I have already dealt with XXXX other collection companies who are also actively pursuing me for the same dollar amount on a debt that is not mine. XXXX of them was called XXXX XXXX XXXX with an account number of XXXX and another collection company was called XXXX XXXX with an account number of XXXX . They are also reporting this same account on my credit report. I am including a screenshot from a recent report which shows how these other XXXX collection companies are reporting this same debt on my credit. I do n't understand how this is even possible. How can this company decide not to send me a notice of a right to dispute this debt AND report this debt again on my report for a third time??? I have never been provided with validation of these accounts from any of these companies. What scam are these places trying to play on me?
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76018	Web
I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows XXXX, but when I contacted this number the recording states, office of XXXX or XXXX I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from XXXX. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from XXXX. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after XXXX years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.
06/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60007	Web
Collection was originally placed on XX/XX/XXXX for debt of {$4700.00} from XXXX XXXX to ATG credit. During this time, I received no notice of being sent to collection via mail or by telephone by XXXX or ATG. I did not notice this debt for XXXX years due to no change in credit score at this time and no notice from either company. Now, XXXX years later on XX/XX/XXXX, my credit score was updated and impacted. My first notice of debt came via a call and voicemail on XX/XX/XXXX. Since then I have tried to call and dispute the debt with both the original collector and the debt collection agency who will not let me do it as the debt is " too old '' per their words. I should not owe this money in the first place as this medical debt initially came from XXXX XXXX who never billed my insurance originally, and then billed them over 180 days after the procedure was completed and my insurance was past the statute of limitations. I have had my insurance company contact them multiple times to say they would have covered this had they been billed appropriately, but they continue to ignore this. I have sent both parties the explanation of benefits at that time, yet they continue to ignore that they failed to bill my insurance appropriately.
01/20/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 378XX	Web
NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones.
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 610XX	Web
Medical bill originated XXXX with XXXX XXXX. Bill was sent to 3rd party for imaging. That imaging company should have billed insurance. The bill was then sent to a collection agency. The bill was immediately set up, upon notice, on auto renewal payments since XXXX XXXX. XX/XX/XXXX the debit card was renewed and changed. The creditor payment fell into the next month once updated new card information. They received a double payment. They reported my account for the first time as delinquent in XX/XX/XXXX. This bill was not on my credit prior to the month of XX/XX/XXXX. I was told that there was a new law in effect letting them place this on my credit because of the XXXX payment. They are unable to tell me what that law is. I was told it is not their job to tell me. This company is ATG credit. I had excellent credit. This has inflicted derogatory on my credit. Once, I had became aware that insurance did not pay the imaging and sent to ATG I began and have continued to pay. I do not work for the company that I carried the insurance with for this bill to have them fix it. I just want the derogatory information removed. I have been paying this bill. I have copies of bank statements. The company also admitted to me paying it.
11/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66212	Web
XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with ATG Credit and collecting a debt from XXXX about a XXXX computer from back in XX/XX/XXXX. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I received a packet from ATG Credit that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the ATG credit company has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.
02/11/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37027	Web
I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX and XXXX had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification.
06/08/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 30044	Web
On X/X/17 , I received a phone call from an ATG Credit ( based on whom was identified over the phone upon the call return ). I missed the call. I called the establishment to determine the purpose for the call. I spoke with an individual by the name of XXXX . I provided my telephone number. I expressed to her my concerns that I have been scammed by people in the past and was not comfortable about providing my social security number over the phone and requested additional information to verify my identity other than my SSN and DOB. She was very belligerent and rude to me and left me feeling absolutely abused by her communication tactics. I tried to speak, she began to rant on and on and just hung up on me. I attempted to resolve this by requesting to speak with a manager and she returned to the phone with the same hostile attitude, using very abusive tone, and again, hung up on me. My concerns are valid given that I googled the number and it came up reported by others to be a scam, therefore I was not comfortable providing my information to a stranger, especially since they came off as disrespectful and condescending. If it would be beneficial, I recorded all of the calls.
02/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60586	Web
ATG Credit , LLC reported a collection account on my credit report on XX/XX/XXXX. I was unaware of this until I received a call from an ATG Credit collection person on XX/XX/XXXX. I informed the person that I had no recollection of an unpaid medical bill or receiving services at XXXX radiology at that time. I also informed them that I have never received a collection notice or an unpaid bill notice and asked to be provided that information in writing so I could evaluate the validity of the account. The collection person refused my request and told me I had only 2 options. I could either negotiate payment or it would remain outstanding. I then checked my XXXX credit report and discovered there was in fact a collection reported by ATG Credit. I filed a dispute with XXXX and the result of their investigation was Verified as accurate. Im filing this complaint because ATG Credits unwillingness to provide me detailed information makes me believe the collection attempt is fraudulent and would like it expunged from my credit report and have appropriate actions taken against ATG Credit if theyre in violation of any laws or standards. ATG Credit , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
I got to know there was a credit issue under my name, on suppose non paid charges, from my mortgage broker when I applied for financing in 2020. I did not know that before. Upon acknowledgement, i contacted ATG credit on XX/XX/2020 requesting evidences so we could resolve the situation. Nothing was received. Due to the lack of response from ATG side, i once again contacted the company early XX/XX/2020 and received a copy and paste of generic invoices # s with unclear service description by email. Given the lack of details supplied and wrong spelling on my name, I tried to contact direct the possible companies myself to understand better what it referred to, however i cd not get too far. So I requested you/ATG credit proof I had signed up for such service but ATG have failed to provide it despite my eagerness to resolve it and several reminders from my side. last time i tried, always in good faith, was 10months after i first contacted them, putting a deadline for them to either provide me further proof I have signed up for such service or a confirmation they would report it to the credit bureaus withdrawing credit entries from my report. i got no reply from them whatsoever to this date.
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 Investigation took more than 30 days	MI 48185	Web
ON XX/XX/2021 I sent ATG Credit LLC a letter because I received a notification from the 3 bureau 's stating that this debt collector added to my credit profile as a collections account. My letter included me asking the company to verify and validate that I owe this debt. I do not owe this debt. I do not have a contract for this debt yet, it was sold to this company. I also called ATG Multiple times to verify that they received my letter which they did because I sent it priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Someone from their office received my letter and processed it in their system according to the representative that I spoke to. The Rep also explained that the manager would call me back with more information, it never happened. I called multiple times, the company transfers me and gives me the run around. Today is XX/XX/2021, I have yet to receive a response from ATG by mail, phone, etc. By law, debt collectors have 30 days to investigate a dispute, it has been well over the 30 days for this dispute. I would like this removed from my credit report immediately. This company is committing fraud and has several complaints with the XXXX.
02/25/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MO 63130	Web
The complaint is against ATG Credit , LLC for abusive language, aggressive, unlawful collections efforts. ATG never followed the Fair Credit Act by contacting me via us mail to validate debit. After calling to inquire about the negative posting to my account. I was told by the Supervisor/Manager XXXX XXXX that ATG Credit , LLC, has the right to post anything to anyone credit where ever the company wants there is nothing the consumer can do about rather it is incorrect or not. When I was explaining to her that I will only like the chance to validate the debit from XXXX. XXXX XXXX was yelling and threatening to ruin my credit when I mentation I was trying to close on my first home. That client XXXX XXXX University will XXXX validate the credit. This causes undue stress and worries for a single mother of a XXXX-XXXX-old. I just want to buy my first home and obtain the American dream for my son and myself. She knew I was a minority by my account she spoke on that. I called XXXX XXXX University after the call the account was paid in full and this debit ATG Credit , LLC is collecting on is invalid. The call to ATG LLC was made on XXXX at XXXX central time.
09/06/2023	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	TX 77045	Web
ATG CREDIT {$1700.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
03/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60586	Web
XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX- {$30.00} XX/XX/XXXX - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information. I also requested a copy of letter explaining they were attempting to collect as I never received one copy. Reporting agency stopped answering my calls and emails. I also contacted their client and requested for them to send me a copy of original invoices for which the stated they didn't have any available, I never received these invoices and went on a weekly basis to this place for therapy and they failed to inform me I owed anything as I have insurance that should have covered these charges. Reporting agency is also reporting several different accounts for the same issue. The first time I learned about the collections was in late XX/XX/XXXX, I had to call the reporting agency as I never knew this was on my credit report.
12/30/2019	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	FL 33015	Web
I originally submitted a dispute letter to XXXX dated XX/XX/2019, requesting validation for a collection from XXXX and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting XXXX XXXX method of verification for the two collections, XXXX and XXXX XXXX, and a collection from ATG Credit, which I have disputed in the past. This letter was received by XXXX on XX/XX/2019, at XXXX XXXX. XXXX responded with a letter dated XX/XX/2019, verifying the ATG Credit collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the XXXX and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.
08/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10009	Web
My credit report has been recently affected due to an account I am unaware of going to collections from XXXX. I disputed the account with credit report companies and was told that I owe ATG CREDIT {$250.00} for an unpaid cable bill from XXXX XXXX XXXX. I contacted ATG and they said they could not share any information regarding the bill over the phone and had an email on file that was not mine. They then said they have " disputed '' the charge and will send me the bill through mail. I contacted XXXX XXXX XXXX and they have never serviced any of the buildings I lived in nor have any information about my " account ''. They looked up my name, addresses and nothing has showed up. I don't understand how I am just not being notified about an account in collections from XXXX. I've never missed a payment on anything. This is clearly fraud and the people at AGT Credit are extremely rude and unhelpful. XXXX XXXX was extremely helpful in that they searched everywhere for my information/account and nothing showed up. They were eager to help me but had no information about this debt to even understand where to begin.
02/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 600XX	Web
I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments!
08/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 61115	Web
I visited XXXX XXXX XXXX in XXXX of 2022 for a XXXX XXXX. I gave them my insurance info and paid my XXXX copay to them. 6 months later I get a bill in the mail from XXXX XXXX of XXXX saying I owe one amount. I call them and they say I owe a different amount. I told them my visit was billed through insurance and gave them my insurance info. A year later I get a few more bills in the mail from XXXX XXXX XXXX XXXXXXXX saying I owe different amounts. I check with my insurance and they verify all bills were paid and I should owe nothing. I call XXXX XXXXXXXX XXXX XXXXXXXX and advise them of this, they said they would look into it. Now I'm getting letters in the mail and calls from a collections agency named ATG Credit saying I owe numerous different amounts. I've disputed those amounts. I've included screenshots of what my insurance paid out on the claim. I never hired XXXX XXXX XXXX XXXXXXXX, I hired XXXX XXXX XXXX. If the hospital sub contracted something out to this company, their dispute should be with the hospital. As far as I'm concerned the claim has been paid and I owe nothing.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31520	Web	Servicemember
ATG Credit admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and ATG Credit does not have any form of a contract. Please read the respond of the attachment. Also, the debt was never validated. The ledger ATG Credit claims to show proof is false. Attached is the ledger from ATG Credit and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund ATG said were provided which is also highlighted on the ledge ATG Credit provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. ATG Credit failed to provide any form of any contracts between myself and the company. However, ATG has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop
07/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60087	Web
ATG Credit has made 5 false entries on my credit report for accounts that are not mine. I do NOT owe them, nor the original creditor anything. I sent them a letter on XX/XX/2018 asking for 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 '' Additionally, I also requested that no telephone contact be made by them to my home or my place of employment and they are calling my daily at work and home regarding a debt I do NOT owe. Also -- please note they have 30 days from the date of my request to provide validation per the FCRA which has long since passed. I sent it certified mail so I know they did receive it.
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60620	Web
On XX/XX/XXXX, XXXX received a call from a representative of XXXX University regarding taking a class online. At first while talking to the consular, it sounds like I would be interested so I checked out the website but had not taken any class 's or gone to the University to participate in any of their class 's while living in XXXX, XXXX. I decided that I was not interested in taking any class 's online at XXXX University or I did not sign any agreement with XXXX University. They stated that they have an electronic signature on file. ( See attachment ). XXXX University kept on calling me about taking the class until I moved to a different location in XXXX, XXXX and there was no more contact with them. While I was living in XXXX, XXXX I started to inquired about my credit history XX/XX/XXXX and found XXXX University had place a balance own my credit report, owing them {$540.00} for classes I did not take online. Attach is the documents that ATG Credit sent to me, they are the third party that is trying to collect this money for me.
11/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	IL 60647	Web
I worked for this company for 3 months and witnessed many infractions of the FDCPA. Two of the most common : - Debtors are supposed to be notified in writing of the debt being collected on. The owner of ATG Credit decided this was too expensive, so only sent letters on certain dollar value accounts, or to clients we were able to speak to verbally. However, the debtors who were not sent letters were still pursued via skip trace and countless calls. - Questionable debt. There were a couple of clients we were forced to collect " debt '' on, who did not seem to be able to prove the debts were owed. These debts counted in the 1000s, contained low balances and were very old. No written letters were sent to debtors for these clients unless verbal communication was made first, and we were not allowed to open disputes on the debts for anyone who asked that be done. Instead, we were forced to close the case ( upon threat of write ups ), meaning this debt could still be collected on and resold, without the dispute ever being researched.
04/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web	Older American
I had a medical procedure and spoke with my Doctor 's office about payment. I had to have routine quarterly follow-up visits and the fees were submitted to my health insurance provider, then an invoice was generated and sent to my home for my payment of the balance due. Our agreement was always made with my Doctor, but I was told to make payment to XXXX XXXX XXXX XXXX . At one point in we received a bill from XXXX XXXX and we were told that was our bill to pay and it was related. Every invoice we received was paid in full and on time. There was one payment that was made a few days late, but only a few days late and we believe that may have been due to the confusion with their billing. We have always taken pride in paying any bills due and we do not feel this medical collection fee is our responsibility and to have this blemish on our credit report is not fair or just. The collection that contacted us with no valid basis used strong-arm tactics and extremely rude individuals in a seemingly endless harassing manner.
12/14/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60142	Web
XX/XX/14 called Atg credit llc spoke with XXXX and he said I owed XXXX dollars he said it was a recording call and when I told him I contacted original collectors he got very defensive and his tone increased and was very unprofessional. Then he pretty much threatened by making a statement that if I dont pay he would just report it to the credit buero and laughed, this is all recorded as well. I informed that theres no proof of this bill owed with the original creditors and it was a messy call. Point is this needs to get removed off my account as there is no account that was sent to them from whom they claim sent it and I never received any mail. This is uncalled for and this person working as a credit debt collector for that agency should be fired. Making threats and not keeping the call professional and making it personal is just absurd and the fact that I reached out to contact the original creditor company and there is nothing is just mind blowing yet the collection agency says that there is, well where is the proof?
04/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60615	Web	Servicemember
I filed an injury report with my employer in XX/XX/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, XXXX. Under Illinois law, the employer, XXXX was required to pay for the examination. Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. XXXX then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, XXXX, if they insisted the debt was valid, but, since I did n't legally owe the debt, they refused to submit it to the State of Illinois since it would be a crime for them to do so. They turned the debt over to a collection agency, ATG Credit, XXXX, XXXX IL XXXX. I disputed the debt in writing, but ATG Credit has never provided me with proof of the validity of the debt. ATG Credit continues to report it as an unpaid debt. They have refused to remove it from my credit report.
05/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53202	Web
This complaint is about ATG llc, this company is horrible, and they break the law big time, I guess ATG Rep and Manger think there above the law and I'm asking CFPB to conduct and investigation into there conduct. CFPB by getting phone recordings. I told ATG that I'm the original creditor of the account and they refuse to listen. They say there representing XXXXXXXX XXXX and say they are the original creditor. This company and workers are deemed to know the law if ATG is say they follow FCRA, I am the creditor of that account, every loan, debt obligation or extension of credit is originated from from my social security number. Refer to 15 usc 1602 ( I ), so basically XXXX XXXX XXXX is using my credit and say I owe them as in XXXX XXXX. ATG is not looking out in the best interest for the people. By giving out false information 15 usc 1611. Also in violation of 15 usc 6802- ( A ) and 15 usc 1692 c ( a ) also a violation of my 13th amendment trying financial slavery my 5th amendment. Life, liberty and due process
12/18/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60637	Web
My complaint is againt XXXX. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information. Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days. 1 ) XXXX misplaced my private identification documents 2 ) XXXX lied about expediting the removal of negative credit information 3 ) XXXX gave me the run around when I tried to get this taken care of
08/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 904XX	Web
On or around XX/XX/XXXX, I was notified by XXXX I had a new collection added to my reports, damaging my scores. I saw that AGC Credit LLC reported this account as new/opened inXX/XX/2020.I have never received any sort of notice ( written or otherwise ) from ATG Credit regarding this debt no phone calls, no letters, e-mails, nothing. This debt has been submitted to the credit bureaus as a new opened collection starting XX/XX/2020, even though they have NEVER made contact with me or verified the debt, and even though this account in particular was charged off by the original creditor over two years ago. Collection entries related to the same debt share their expiration with the original debt, and must be reported this way. In this case, ATG re-aged the debt by reporting a different open date, violating my rights and damaging my credit score. They also failed to give me any notice or verify the account before adding it to my report and damaging my credit Ive tried hard to rebuild.
07/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60629	Web
I was checking my credit report last night and noticed it had dropped XXXXpoints and there was a collection account listed. I looked at the collector 's name and called today. I informed them that I never received any type of communication regarding this debt. The man I spoke to who 's name is " XXXX '' told me they sent out notices to an unknown address. I related to him that I live at a different address. He then told me there was nothing I could do but send dispute letters to the credit bureaus. I told him they have hurt my stellar credit rating and I am in the process of buying home. He then told me the debt was for XXXX -- that is right XXXX. The agent then hung up on me. I called back to get his name and they put me on a very long hold and hung up. I called again and was finally able to get his name. I have sent them a debt validation letter and they have not responded to that request. I looked the company up on XXXX and they have the worst reputation. They are ATG Credit LLC
07/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92027	Web
I had sent my dispute by certified mail to this company to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, this company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. This company dubiously claim to have somehow verified these items. Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please! 3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report.
12/01/2022	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	VA XXXXX	Web
When they call, they refuse to state who they are or where they are calling from. Every time they call, its a different collections agency, XXXX? I can't keep up. Ifirst spoke with them on XX/XX/XXXX. At that time I advised them that this is not my debt, I have no eob to go with it, and XXXX went bankrupt anyway. I informed them that this needs to be validated. They stated they would do so and let me know. By XX/XX/XXXX I still had not heard anything from them so I went ahead and disputed the debt without validation. XX/XX/XXXX was the first time I had heard from them in any form. At that time I advised her of the above, before I could ask that they cease contacting me, the employee ended the conversation. On XX/XX/XXXX they called again and the same conversation ensued. Despite repeated requests they refuse to validate and dispute but continue to harass me. Then today XX/XX/XXXX they called me at XXXX claiming that this kind of behavior is perfectly legal. I blocked them.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web
I am unaware of the above listed accounts. Please validate this information with the creditors 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 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85388	Web	Servicemember
I have two children who have received student loans several years ago. I have no recollection of having co-signed any of these loans. XXXX XXXX sent me a statement several years ago stating I owed on some student loan. I disputed that and requested proof of my obligation that showed my signature. They never did. Three times since then I have been contacted by collection agencies. In each case, I disputed the alleged debt and demanded proof that must contain my signature. None of the agencies responded. I never heard from the first two agencies or XXXX XXXX again. The latest, ATG Credit, reported me as delinquent to the credit bureaus. They never responded to my dispute with the 30 days required by the FCRA. The agencies and dates I responded are : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
01/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web
ATG CREDIT LLC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with ATG CREDIT LLC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
04/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60543	Web
I've reached out to ATG Credit LLC, several times regarding accounts that they're reporting on my credit report and I can't seem to get this resolved. All proof is attached below : This isn't my debt, when I reached out to them on XX/XX/22 ( CFPB Compliant XXXX ), XX/XX/22 and XX/XX/22 ( Via Mail ) still never received the debt validation, only XXXX bills. That's not a debt validation. Then on XX/XX/22 they stated that they ask for removal until validation. You'll find that my credit report is now reporting 2 debts by this company. As I've attached both mailing slips of me reaching out to this company directly. I have my paper trail. I want my XXXX form that I signed confirming this is my debt. My XXXX right has been violated. I want this collection removed right away. If this debt isn't removed from my credit report immediately, I will file a lawsuit. As I've given you 2 months to provide this information.
07/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37167	Web
ATG Credit mailed me a notification of debt collection dated XX/XX/XXXX. Due to mail running behind, I didnt receive letter until a week later. I faithfully check the mail but didnt get this letter until XX/XX/XXXX. On the letter, I was given 30 days to request the validity of this letter. On XX/XX/XXXX, I mailed a debt validation letter to the company. A few days later, theres no copy of the debt validated. However, theres been a change to my credit report. The debt has been reported to the credit bureaus. 30 days from XX/XX/XXXX is not XX/XX/XXXX, which is when this report was added. This is unfair because how can you report the debt before the 30 days are up? Also, how come I never received a copy of the debt validation before appearing on my credit report? This company isnt honoring their own 30 days policy to let clients request debt validation by reporting to the bureaus before the 30 days are up.
12/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 61107	Web	Servicemember
ATG, collected on a debt that was stated sent to them by XXXX XXXX XXXX on a debt that was not owed, ATG verified the account number listed on attached check account number being XXXX, ATG ststed they tried to contact me by email and phone they did not the debt was from XXXX I did not receive anything from them and on XXXX XXXX and it was put on my credit on XXXX XXXX the strange thing about this is there is no way to verify the debt recently the debt or all debt from XXXX XXXX was transferred to ATG this has happened recently, in XX/XX/XXXX i have spoken to XXXX XXXX and they verified the only amount owed was see attached XXXX, there phone number leaves a recording to contact Atg, i contacted XXXX XXXX XXXX who ordered the services who also stated i had no debt owed or they did not see anything owed to them from XXXX, still not being able to verify i had to pay the debt to ATG again,
07/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33309	Web
ATG Credit ( XXXX ) is trying to collect a debt they claim I owe from a company XXXX XXXX XXXX for {$79.00}. They say its for an apartment that I moved out of in XXXX 2012 called " XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I closed my accounts then with XXXX and XXXX. I never had an account with XXXX XXXX XXXX and I ca n't even contact them. XXXX shows my account is closed with {$0.00} balance. The XXXX management has assured me that they never send anyone to collections. XXXX XXXX XXXX is submitting this claim FRAUDULENTLY and no one is willing to help me. ATG Credit is incredibly rude and will not give me any information other than to say you owe {$79.00}. I am supposed to just them the money blindly without knowing if they will then keep coming back for more? I do n't want this to affect my credit, and need help from someone. Please help me! - XXXX XXXX
11/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30028	Web	Servicemember
On XX/XX/XXXX, XXXX XXXX reported a collection of {$110.00} & {$410.00}, and XXXX XXXX reported {$120.00} to the credit bureaus from XXXX and XXXX. I reached out to XXXX, who also handled the billing for XXXX at that time, and confirmed they had been receiving returned mail as undeliverable ( from a wrong address ). I asked them to confirm the address they had on file and found out they had the wrong address which means, I never received any letters, nor did I receive any calls about this debt. I asked them how can they report something to my credit file when I never received any communications to try and resolve the debt. As of today, I have paid the debt and asked that the collections be removed from my credit file, considering they never tried to locate a good address to send me communications. I am asking that all adverse reporting be removed from my credit file immediately.
04/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CT 062XX	Web
a collection company by the name of ATG is collecting for a loan that was charged to my name. I explained that the loan was changed by the company in error because I never took the on line classes and was to be cancelled but they did not cancel the loan at all. Original loan was last paid in XX/XX/XXXX but this collection company wants to keep it on my report from the date it was put into collection from the original debtor not the time it was last paid. I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. I am in the process of using my credit and this debt is showing up that it was open again in XX/XX/XXXX vs the original date of XX/XX/XXXX - from the time it was again put into collection
09/29/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48390	Web
I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me.
07/18/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60543	Web
In my attempt to pay the amounts listed on my credit karma report, I called XXXX XXXX XXXX and spoke about the amounts owed. My XXXX XXXX indicates that I owe {$170.00}, {$140.00} and {$99.00}. According to the person I spoke to the agency has reported two amounts that are incorrect and it is the same account. The only amount that I owe is {$99.00} and the other two amounts are listed wrong and repeated on my credit report. I have called the collector agency ATG at XXXX XXXX XXXX today and left a message ext XXXX. The account is listed to be opened on XX/XX/XXXX and last time reported on XX/XX/XXXX for the amount of {$140.00}. The other amount {$170.00} indicates to be opened on XX/XX/XXXX and last reported on XX/XX/XXXX. The person from XXXX XXXX was able to provide me with the information for {$99.00} from ATG-account # XXXX. She had no record of the other amounts.
09/21/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 15216	Web
I initiated a phone call the ATG credit to resolve a debt. They explained to me on XXXX occasions that they would be recording the phone calls. I expressed to them that I too was recording the phone call for my purposes. They immediately got angered and told me that according to the FDCPA I was NOT allowed to record them. I tried to explain to them that the Federal law states that one-party phone calls are authorized by federal law and they hung up on me. I have also just filed a complaint with the XXXX minutes before this complaint. If they wo n't communicate with me and they will not send me the documents how am I supposed to resolve this debt? They would not send me any documents because they claim they already did. I explained that i have not received them. I asked for E-mails but they will not send them unless they have a credit card number or back check number.
09/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 360XX	Web
On XX/XX/XXXX, I applied for a vehicle loan and was denied due to information on all 3 credit bureau reports which reflected I owed {$3000.00} to a " XXXX XXXX ''. I immediately contacted the company who indicated this was a student loan. I informed them I never applied or received any funds from a student loan. I filed a report with the Federal Trade Commission. XXXX XXXX then begin reporting the account under : ATG Credit LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. When I contacted the Company and requested a copy of all documents relative to this debt specifically signed loaned documents, cancelled check stub or related bank account funds were sent to, the agent hung up. This is ID theft. I never applied for or received any funds from XXXXXXXX XXXX or ATG. I did not received my drivers license until XX/XX/XXXX. I would appreciated your assistance.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44903	Web
ATG Credit LLC has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency XXXX XXXX, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to XXXX XXXX, it is my understanding this debt was purchased by them from unknown creditor.
11/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 99301	Web
I have medical debt that was incurred due to a car accident in XX/XX/2007. The medical providers agreed at the time to a lien, to wait until settlement with the insurance company of the person that hit me. They chose not to bill the health insurance I had at the time and the health insurance company would have rejected the claim anyhow since the treatments were accident-related. In XX/XX/XXXX, my case went to a jury trial. I partially lost the case and the medical bills now in collection as of XX/XX/XXXX were deemed to be unrelated to the accident. The medical providers broke the lien/contract by sending this to collections. They had an opportunity to bill my health insurance and did not. My attorney agrees that I should not be liable for the bills. I will pursue legal action, if necessary, but hope that you can intervene before I have to go that route.
08/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37167	Web
Initially I complained of ATG Credit placing a collection on my reports before the allowed 30 days were up, in which I requested a debt validation letter which was mailed to them on XX/XX/XXXX. ATG responded that they didnt receive the debt validation request but that they would get me a copy of the validated debt. This was on XX/XX/XXXX. It is now XX/XX/XXXX and I still dont have any mail from them showing how the debt is in fact valid. Yet, they are back to reporting to the credit bureaus. How am I supposed to be comfortable paying a debt, in which I have NO proof that the debt is actually mine? ATG Credit refuses to mail proof yet they keep causing a ding to my credit score by improperly reporting. This isnt fair and I need to see PROOF of the debt, in which they said they would send. Still nothing, yet my credit scores are suffering due to this.
10/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY XXXXX	Web
On XX/XX/ I made a complaint with the cfpb complaint number XXXX with a cease and desist as well as a notice of fault due to ATG credit violation of the consumer protection act ATG not only failed to cease all communication ATG also did not attempt to provide monetary remedy for set violations or delete themselves from my consumer report On XX/XX/ i made a complaint to cfpb with complaint number XXXX ATG CREDIT responded on XX/XX/ stating they would cease communication On XX/XX/ i made a complaint with a attached cease and desist and demand letter ATG to correct my consumer reports and pay monetary remedy ATG credit stated i didnt answer their calls as in its mandatory to speak with them they had no business harassing me and caused me a great deal of stress i would be attempting to file a small claims lawsuit if we can not settle this matter FULLY
08/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91325	Web	Servicemember
Filed previous complaint ( # XXXX ) on this entity and asked that they provide information on that debt, creditor and verify it. They indicated that the item would be removed while they investigated it. It never was removed, they submitted a spreadsheet as verification of the debt and no contract or other recognizable documents to verify its authenticity. They continue to report the item as valid, and have altered their name to report it yet again, as XXXX separate listings. Looking at the information they provided shows that the item originated in XX/XX/XXXX, not in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX as they have reported. This information is being falsely represented as current and accurate but given that it originated in XX/XX/XXXX it is well beyond its reporting period and should not be showing up as a current item.
03/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60543	Web
ATG responded on CFPB XXXX # XXXX, they'll remove collections account from my credit report and send proof of debt on XX/XX/22. As of XX/XX/22, I was notified that this account is reporting on my XXXX and XXXX credit report when at first it was only reporting on XXXX. They stated that'll remove it it should've been removed immediately instead they posted this unverified account to the other credit bureaus. If this account isn't removed from my credit report by end of business day on XX/XX/22, I will file a complain with the attorney general and a small claims against them and request that they pay all lawyer'e fees as they're validating my consumer rights to be informed of this debt. The documents that they provided in the previous case showed a 0 balance so this make me think they're con artist and they need to be sued.
11/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60432	Web
On XX/XX/2021 ATG credit has added a derogatory mark on my credit report. After further investigation and research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.
01/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 605XX	Web
We have never received notification from this agency regarding a medical bill. The only way we found out about this debt was through a derogatory collection mark placed on the credit bureau report. We want to pay the debt, but feel the item should be removed from the CBR because we did not receive notification of the debt. The agency will not remove the item, says the can update. Claims they have validation we knew about debt. This is not true. The numbers they gave and stated they were contacting us were not even our phone numbers. We just updated them with the correct number when we submitted the dispute. The item should be removed from the CBR as we were never given time to dispute this before it was placed on the CBR. We never received any notice until we disputed the debt in XXXX 2016.
10/18/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 782XX	Web
Today, XXXX/XXXX/XXXX I was looking at my credit and noticed that ATG Credit filed a potential harmful credit report against me. I called the XXXX XXXX to dispute this issue immediately. I told them I do not know this company, I have never received any statement, request, no correspondence from them about this claim and it is not mine. I then called the company and they were very nasty to me on the phone. They had the wrong address, but they had the right name. After a short conversation they hung up on me. They have hurt my XXXX XXXX from XXXX to XXXX score. They never sent me XXXX correspondence related to this supposed debt. I would have never known about this issue if I did not check my credit online. I can not attach any documents nor give any other information because I have none.
12/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60586	Web
I keep getting hits on my credit from ATG Credit LLC. I disputed the collection twice through the XXXX app first on XX/XX/2020 then XX/XX/2020. And my reason for disputing it was because I paid off the debt. Each time they removed it. And after that, I contacted them in XXXX once they yet again tried to add it to my credit again. The person I spoke to was very rude and said they would reach out to the place in which I went to get the medical services then ended the conversation with me. Which resulted in them taking the collection off of my account for the third time. This is the FOURTH time they have put this back on my credit. And when I contact them they always want my full name, social, address, email, and phone number. I feel highly harassed by them at this point.
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61822	Web
On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from ATG CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXXXX/XX/XXXXXXXX for them 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 twofoldvalidation of debt and HIPAA authorization.
05/20/2020	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 Investigation took more than 30 days	CA 93536	Web
ATG CREDIT LLC is a collection agency collecting for XXXX XXXX XXXX in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
05/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 608XX	Web
This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was VERIFIED. On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address XXXX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
01/10/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 10701	Web
I am XXXX and all my school loans were paid off by the XXXX discharge in XXXX 2015. A few weeks ago I started to receive calls from a bill collection company names ATG LLC asking me to pay my bills. I told the XXXX who is the debt holder for XXXX XXXX that i have confirmation that the debt was paid. XXXX and his company ATG LLC continues to harass me with letter and calls. XXXX and ATG LLC went as far as adding the debt back to my credit. Its not my fault that XXXX XXXX got paid for my student loans and did n't communicate with ATG LLC. I have the proof that all debt was paid and I should n't be harassed with letter and phone calls everyday. Then to see the debt on my credit report which took a big hit over a debt that was paid.
04/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30906	Web
On XX/XX/2016 I checked my credit report and ATG Credit LLC is on my credit report for an unknown account with the amount of XXXX. It states the account was opened on XX/XX/2016 which is a LIE BECAUSE I did n't open any accounts in XX/XX/2016 that went to collections. ATG Credit did not contact me nor did they send me a letter informing of what ever debt this is which violated my right as a consumer to dispute or have whatever this debt is validated. According to the FCRA a collection MUST notify the consumer by letter of the debt to give the consumer a chance to ask for validation to dispute the debt. My rights was violated and I will be seeking to file a civil suit. This account needs to come off my XXXX CREDIT REPORT ASAP.
01/12/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60636	Web
I sent a letter to ATG CREDIT letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ATG CREDIT refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ATG CREDIT provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
05/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 853XX	Web
XX/XX/XXXX I sent certified letter for debt validation request for a debt in the amount of {$2400.00} being reported on my credit report. No response and they Continued to report to bureaus. They Never marked account as disputed. XX/XX/XXXX I sent a second certified letter for debt validation. Again they failed to verify and continued to report to bureaus. They also Never marked my account as disputed. XX/XX/XXXX I sent a third certified letter to request debt validation. Again no response, they continued to report to bureaus, and never marked account as disputed. All letters were sent certified to address provided on my credit report and were verified by USPS tracking as received by them. I have proof of this if needed.
02/24/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 14224	Web
I previously filed a complaint against ATG Credit for not willing to get a corrected amount for a loan they were collecting on. They responded to the complaint that they would find the correct amount and bill me appropriately. It has been 4 months and they still have n't contacted me. When I try to call them, they look up my account number and put me on hold for over a half an hour each time and no one ever picks up. I have even emailed them and receive no response. They believe I am not aware that there are XXXX separate loans but I am and have been paying towards them XXXX for several years. They are trying to charge me the initial amount that the loans were first taken out for and not the balance i owe now.
01/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	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 zero 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.
07/09/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 90016	Web	Older American
This company named ATG Credit has been calling me, they also put some information on my credit report. The person i spoke to yesterday was very rude, and she asked me why was i calling this company. She said the company had been calling me since XXXX. so i knew the reason. I asked her why did the company put some information my credit report before they knew if they had the right person. I asked her to send me some information on this bill, because i have no information, and i do not know anything about this company. She said she was going to put down that i refused to make any payment, and hung up. I called back and spoke to some else to complain, asked them to send me a copy of the bill.
10/03/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NY XXXXX	Web
ATG RESPONSES TO MY LAST COMOLAINT AS SHOWN " Upon review of the call recordings of the outbound calls made to the consumer and there was no evidence of obscene, profane, or other abusive language used by the collector. The consumer refused to identify himself on every attempt to contact. Furthermore, attached are the Merchant Agreement, Merchant Statement and Store invoice to validate the charges of {$15000.00}. We are happy to negotiate payment arrangements via LiveChat on our website www.atgcredit.com or via phone at XXXX '' is direct evidence that they have contacted me the consumer in regard to a debt without the direct consent of i the consumer or the express permission of a judge
05/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 622XX	Web
XXXX XXXX XXXX XXXX about this account that incurred back in XX/XX/2018. As I stated to the representative, my state insurance, XXXX was active on XX/XX/2018 and that all medical bills that accrued between that time was covered by XXXX. I saw the doctor 6 times in the month of XXXX due to XXXX and all those bills were paid by XXXX. So how was these 2 bills not covered when it ; s the same time frame.We then did a 3 way with XXXX and they told XXXX XXXX XXXX that the bills had been paid and that I do not have any balance owed because all bills over 6 months are automatically dropped. XXXX XXXX has refused to remove this account from my credit report despite this information.
04/21/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 608XX	Web
I have send certified letters to ATG regarding the alleged education debt on XX/XX/XXXX, certified letters to XXXX, XXXX and XXXX XXXX regarding the debt and have not received any resolution. I also sent a certified letter ( on XX/XX/XXXX ) requesting evidence and verification of the debt and ATG sent incomplete verification, debts in a different amount than what they are showing as a collection on my credit report and they are trying to collect funds from a VERY OLD DEBT from XX/XX/XXXX. This alleged debt that is incorrectly showing on my credit report is from XX/XX/XXXX ( 7 years ago ) so it is a very old debt as well. Please help me in getting this fixed with ATG.
02/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60402	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
08/18/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MN 55426	Web
I was attending XXXX XXXX university online. I was offered a grant of up to {$1800.00} if I wrote a 500 word essay stating why I needed it. 6 months later I received a bill in the mail for XXXX dollars. I was never told I would have to repay the grant at the time I wrote my essay or on the application itself. They are withholding my transcripts from me and have documented this false debt amount on my credit report for {$2000.00}. I have the actual application I used when I applied and I also have a picture of the 500 word essay for the grant application I wrote documented in my student online account under my documents showing I did indeed write the essay.
02/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 61008	Web
On this date, XX/XX/2021 company opened a collection. Account # XXXX {$230.00} That I owe. I have never signed any written document saying that I owe this debt to the collector. Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit reports. XXXX XXXX XXXX XXXX XXXX
02/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 61008	Web
On this date, XX/XX/2017 company opened a collection. Account # XXXX {$190.00} That I owe. I have never signed any written document saying that I owe this debt to the collector. Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit reports. XXXX XXXX XXXX XXXX XXXX
12/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30028	Web	Servicemember
On XXXX/XXXX/2021 - I received an alert that debt from ATG Credit was added to my credit report ( XXXX ) for XXXX debts for {$110.00} & {$74.00}. I never received any letters from this debtor or anyone else about this debt. However, I reached out to confirm where this came from and was told that letters were sent to an old address where I had not resided for several years. This medical debt was placed on my credit file with no knowledge of letters being received. I have had this issue with ATG credit placing things on my credit that is not valid from the past. Also, any debt owed to them has been paid in full and should not be reflected on my credit file.
05/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 610XX	Web
ATG CREDIT , LLC is falsely reporting that i have a valid debt despite the fact that the creditor doesnt exist. XXXX XXXX of XXXX is the original creditor and they closed down- ATG somehow got ahold of their customer records and have been attempting to extort money from their previously paid-off customers who are mostly elderly people they can take advantge of. ATG provided no documentation that the debt is valid, they blocked my phone number when i attempted to call them and ask for said documentation, they refused to investigate the matter as a fraud case despite my request, and they have been falsely reporting information to credit bureaus.
03/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60559	Web
On XX/XX/2022 ATG CREDIT added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, ATG CREDIT has violated my rights as a consumer and I am requesting legal action to remove this account immediately
12/01/2021	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	GA 30028	Web	Servicemember
On XX/XX/2021 - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?
08/15/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	MN 553XX	Web
After pulling credit report to get pre-approved for a home mortgage i see there is a collections debt that has been on my report since 2013. after calling to see what it is for it was for a college fee. I have never once received any bills, letters or phone calls about this debt in collections. how i am to know about this or pay it when i have not been contacted one time, does not seem fair and has now destroyed my credit. called the collection agency and they were of no help and stated over and over i must pay and then finally said to me that we are getting no where and will report it to there client and then hung up on me.
03/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60652	Web
Ive been receiving different Collections notices Attached to XXXX XXXX XXXX XXXX from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was Dynamic recovery solutions who Never answered my Complaint with the CFPB regarding this matter and now XXXX XXXX XXXX XXXX has sent this Fraudulent debt to ATG Credit , LLC I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and XXXX XXXX XXXX keeps circulating the fraudulent debt around with knowledge its Fraudulent.
03/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60543	Web
On XXXX ATG responded back to case # XXXX will a bill stating that they notified me, please look at the address on the bill it says XXXX XXXX XXXX XXXX I haven't lived there since XX/XX/21. My new address is XXXX XXXX XXXX XXXX, IL XXXX. So they never gave me a chance to responded and they bogusly placed this on my credit report without giving me an option to pay or settle if it's truly my debt, but a bill don't clarify that it's my debt. Where is my signature stating that it was me that received the medical attention. Then what they uploaded has a 0 balance. I'm confused as to why this is on my credit report at all.
09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web
I've reported the original creditor which was time payment and it was taken off and then they have sold it to a multiple collections companies and I have to keep fighting them. Atg was the last collection company and I had it removed. Atg has proceeded to change the amount to add this identity theft collection back to my credit profile. I don't know what type of account this is and I've asked several times for proof of what type of account this is and the only thing they send me is a payment schedule they don't tell me what kind of collection is this. I don't know if it's a credit card a loan I'm not for sure.
11/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60586	Web	Servicemember
This company/ Collection agency ( Atg Credit ) reported that I owed {$27.00} dollars to them for the original creditor XXXX XXXX XXXX. Atg Credit reported a negative report to the Credit reporting agency XXXX on XX/XX/2018. I called to verify the information and asked them to send proof to me of the transaction with my signature on documents showing it was me and they declined to do so. The Act # is XXXX. I explained to them that the account does not belong to me and it is not mine. The information for Atg Credit is as follow : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and their phone number is XXXX
02/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60441	Web
The company ATG Credit, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, on behalf of original creditor XXXX XXXX XXXX XXXX claims that I owe a past due balance of {$110.00} to the original creditor of XXXX XXXX XXXX XXXX The collection was opened on XX/XX/XXXX of 2020. I have no knowledge of the debt whatsoever besides the simple information that my credit monitoring service provided me. Furthermore, I am not familiar with XXXX XXXX XXXX XXXX or ATG credit. I have not received any notification by phone or mail of the debt in question and these companies do not have a contact with my signature.
12/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60538	Web
I recently reviewed my credit reports and I have found several accounts from this debt collector that they say belong to me. Under the Fair Credit Reporting Act, 15 U.S.C & 1681g I have the right to demand that documents be disclosed to me verifying accurate information with my signatures. I am also allowed under the XXXX law to protect my privacy and medical records from third parties.. I have sent numerous requests to delete this misinformation from my credit reports and no response from this company ... I would really like this resolved and all misinformation deleted from my credit profiles please
10/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 933XX	Web
This company on many occasions asked them to make a dispute with them and they did not agree, they always leave me with excuses and lies that there is no one who can attend to me that they only collect the debt, I feel insulted by them for the constant calls I made Without any solution they have never given me proof that deserves the debt that they say I owe them. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1500.00} Status date XX/XX/XXXX XXXX
05/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27215	Web	Older American
XX/XX/2016 the company listed in the attached letter showed up with collection amount in my credit report. Since I had never had contact with the company I did n't know ( and I still do n't know ) the reason for the collection account. I called the company asking for a verification of the debt and instead I received a collection letter asking for payment but no validation of the debt. I sent the company a letter requesting verification of the debt. To this day they have not responded to my request. In addition, the company is not legally authorized to collect debts in North Carolina.
04/03/2023	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	TX 78109	Web	Servicemember
I used my XXXX tuition assistance to cover my classes. After 2 years, the college, XXXX XXXX XXXX, never requested the funds be paid from the XXXX. I have zero ability to pay those classes through the XXXX system, as they are required to request the money for classes I've taken. Since they never did that, I am left with a hanging debt I was never responsible for. They then sent my owed amount to collections after I told them repeatedly they needed to request the money from the XXXX. This credit hit is extremely impactful to my security clearances and my general credit power as well.
06/30/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95207	Web
I phoned ATG Credit LLC, and advised them that I had just returned to work due to Covid-19, and to not pull my XXXX payment. But to restart my payments on XX/XX/XXXXsince I had returned to work. A supervisor told the representative that it would be okay to stop the ACH pull for XXXX. They waited 8 days and pulled the funds anyway. Causing a medical hardship because the money they took was for my medical premium which must be paid because I have a XXXX XXXX XXXX I requested they not pull any more funds from my checking account and they have yet to refund the monies pulled in error.
11/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33073	Web
In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant because I have not applied for any loan ; education/student loans or financial assistance to return to school since 2009. Please see the attached affidavit pertaining to the ongoing report.
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, [ ATG CREDIT LLC 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.
03/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60490	Web
On XX/XX/2018, [ ATG CREDIT LLC 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.
06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60490	Web
[ ATG CREDIT LLC 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.
07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77093	Web
I went to College XXXX in 2010 and I withdraw because I was going through medial problems at the time, I received financial aid which was paying for my education, they paid XXXX, once I had withdrawn all the funds had already been released the only thing that was cancelled was {$34.00} the rest went to XXXX. Now they are stating I still owe them {$200.00} and have put a collection on my credit report and I had already spoken with them and was told it was not a debt so why is now an issue and on my credit report with someone called ATG Credit collection
09/28/2022	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
This debt is not mine and they continuously say they have a contract from me that I never saw nor signed. I chatted with a representative in the online chat system that they offer and she provided me with false addresses stating they were on the application then I received documents in the mail with a very different address on it. None of the credit bureaus they have on reported to have a po box reporting for me as an address I used before so the fact that they are harassing me for this is ridiculous and my credit is the one thats plummeting.
02/15/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 61107	Web
ATG has reported twice to my credit report for XXXX XXXX for two emergency visits XXXX for myself and XXXX for my minor son. We are on XXXX per the No SurpriseAct this illegal to try and collect such funds from a XXXX patient and or balance bill a XXXX patient. When I have brought this to their attention they told me that the debt was valid, they never sent me any documentation advising to this debt. They refuse to remove such debt even after the hospital as written this off for tax purposes and now are trying to collect double their money.
08/07/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77077	Web
I defaulted on a student loan from XXXX back in 2018. The debt has been sold to multiple collection agencies since. The Most recent collection agency trying to collect the money, in amount of {$6000.00} is ATG Credit. They refuse to provide any documentation of my signature that I signed a contract/promissory note/financial instrument with ATG collection agency. They are reporting a collection account listed across all credit bureaus ( XXXX XXXX, and XXXX. ) I do not owe ATG money. I have never signed an agreement to repay a loan with them.
09/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89119	Web	Older American
# XXXX, showing in printout of my credit, but not on the screen. {$20.00} in XXXX or XXXX, the Dr 's office on XXXX XXXX in XXXX refused to bill correctly, bill now with ATG bill collectors. Left that office because I was totally disrespected in the office. Visited only twice after my original Dr retired next door, once to register & 1 follow-up appointment. I had XXXX XXXX & XXXX. Bill should have been paid if billed correctly. Called several times, office was totally unprofessional. Please removed this derogatory blimish. Thank you
07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 389XX	Web
I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX they are really giving me a hard time about removing these items off my report Company-XXXX XXXX ATG credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX
09/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78207	Web
I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to ATG Credit. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XXXX XXXX XXXX and I have not received a response to date. I know that this debt does not belong to me because the original creditor XXXX XXXX XXXX located in Indiana. I have never resided in Indiana.
09/15/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
ATG credit has been reporting for the past 4 months the incorrect amount of {$700.00} to XXXX credit bureau as an amount that I owe. This is not an amount that I owe to ATG Credit. I have reached out to ATG via email, chat and telephone for the past 90 days with no resolution. I have also reached out to XXXX via telephone and was told there was nothing that I could do except continue to dispute it. The dispute and faxed documentation to XXXX is doing nothing since XXXX is not correcting the issue on their end.
09/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76039	Web
This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. I have proof that I had insurance at the time of service. This company has been trying to destroy my name. I called XXXX XXXX they could not provide me any information on what bills this was for and they are showing a zero balance. I will be forced to turn this over to the attorney general and small claims court as I am tired of the harrasement. There are 3 different amounts {$190.00}, {$4.00}, {$130.00}.
06/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 604XX	Web
ATG credit has refused to remove a derogatory statement on my credit after several phone call to Ms. XXXX. Initially I was sent a bill for {$740.00} then {$530.00} in XX/XX/XXXX. In XX/XX/XXXX a XXXX collection was placed on my credit report. On XX/XX/XXXX I paid the bill and requested my credit report be updated. ATG credit will not accept or return my calls and continues to report a collection on my XXXX and XXXX credit report. I have a receipt for the paid in full debt. Phone number for ATG XXXX
05/19/2019	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	IL 60643	Web
On XX/XX/XXXX, I mailed ATG a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.
08/25/2020	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 Their investigation did not fix an error on your report	IL 60634	Web
I have a loan with XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : 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, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
06/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60504	Web
On XX/XX/XXXX, I disputed with ATG Credit two items on my XXXX Credit Report that were sent via certified mail. ATG Credit never replied within the time frame allowed. On XX/XX/XXXX I disputed with ATG Credit again regarding the two items on my XXXX Credit report, ATG Credit did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified.
08/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA XXXXX	Web
On XX/XX/2018, I called University of XXXX, they gave me the number to the collection agency.. I called and was informed that they put my account with ATG Credit. I called and spoke with a lady nd verifies my address, name, social security number and all. I asked her when did they receive the account and all she said was One day last month I never received a debt validation letter from them. They also had my current phone number and still never called me.
01/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60137	Web
There is a XXXX XXXX reporting to all three credit bureaus. XXXX, XXXX and XXXX. I have sent letters to the credit bureaus and to the collection agency. I have requested the collection agency to provide validation of this debt, which is in clear violation of the HIPAA policy to disclose any item subject to my medical information. I have not gotten a response in regards to the removal of this account from either credit bureau or collection agency.
10/30/2021	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	IL 605XX	Web
I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. pleas help me by assisting with making them comply and and remove the items off my credit report..
10/14/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY XXXXX	Web
i demand ATG to cease all communication through all mediums and thet failed and contacted me again, they state a contract gave them authorization to contact me for 3rd party collections but my contracts never states i give atg direct consent to contact me or atg has not gotten any consent from a judge to contact me, atg admits to harassing me on a number of occasions by stating i failed to speak with them, i will now be filing a lawsuit thanks
11/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	IL 60090	Web
I already submitted a complaint against ATG on XXXX XXXX, # XXXX. ATG collection received debt that I owe. I contacted a credit consolidation service ( XXXX XXXX XXXX ) to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter. Again, they called my work phone # on XXXX XXXX, 2015 at XXXX. This harassment has to stop.
05/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32904	Web
We constantly get calls for the people that use to have our phone number. We have had the same phone number for at least 4 yrs and we still get phone calls. I have a feeling the bad debt keeps getting sold to other companies so the calls never end. There are days when we get 3 or 4 calls a day. We tell them no one by that name lives here. We are no relation to these people and they have n't had this phone # for years but nothing does any good.
08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web
I feel like I'm being taken advantage of being ignored of my disputes. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me. XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX
02/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60137	Web
I have made two attempts to have ATG Credit verify this debt which is a ( medical debt ) within a sixty day time frame. They have failed to do so with no compliance. This is a clear violation of Collection Practice. My first letter was sent to them on XX/XX/XXXX the second letter was sent on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received verification of this debt not to mention, this collection is not HIPPA Compliant.
12/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 601XX	Web	Servicemember
ATG credit is charging me for something my insurance approved. I havent received a bill from these people but all my test and pre procedures surgeries are always pre approved before I do them since 2013. I have XXXX co-pay on everything due to XXXXXXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I dont know what else I can do with these people. I have no divination. XXXX XXXX and on a fixed income with XXXX children.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48092	Web	Servicemember
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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 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.
09/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95670	Web
Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.
01/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60565	Web
There was a medical bill that was covered by Department of Human Services under my insurance, I've contacted the hospital and the insurance company who agreed that the medical bill was covered. If the hospital failed to submit the bill to the insurance company last year, that's not my fault. Below is the insurance I had at the time and currently have now. XXXX XXXX Member number : XXXX Id number : XXXX XXXX XXXX
09/10/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have ATG Credit reporting on my credit report. I never received anything about this debt ever because they did not have an actual address of mine. They have a college tuition amount due when I never applied to their school or attended their school. I have spent 5 years at XXXX and I had a mailbox at the time this account was applied for now its reporting to 2 of my credit reports and decreased my score tremendously
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MT 598XX	Web
ATG CREDIT LLC Last reported XX/XX/2023 {$2700.00} Open balance XXXX XXXX XXXX XXXX Original creditor Account opened : XX/XX/2023 ( XXXX mos ) I did not open an account on XX/XX/XXXX of XXXX. This is all the information I have and I do not know what it is from. I have never received any information in the mail for this unknown account and only noticed it on my credit while doing a bank loan transaction recently.
11/15/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	MI 48430	Web	Older American
I do not owe the amount that this company claims. The so called debt is related to XXXX and my attending this online institution. I was enrolled for a year and a half but dropped out after the third week of the second semester in 2017 the university received their payment for the class then I decided that this program was not for me. XXXX still claims I owe them this debt when they were paid for the class..
09/25/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web
I received a letter from ATG Credit LLC claiming I owe over {$16000.00} in debt to XXXX XXXX. I've never even had an account with XXXX XXXX and do not owe them anything. When I called to find out how to clear up the misunderstanding, " XXXX '' hung up on me twice because I wouldn't provide personal information. They used aggressive tactics and harassment to try to get me to pay a debt I've never owed.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 610XX	Web
I have contacted ATg Credit LLC several times over the past year and half to remove their collection from my credit report. I have paid the past due amount of {$64.00} directly to the original debtor and notified Atg Credit LLC several times of doing so. They continue to say the will get back to me and still have yet to do so or remove the debt collection which is no longer in action. I have proof!
05/13/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	IL 60015	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
04/18/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28306	Web
ATG Credit LLC is attempting to collect a debt from me that I never established a contract with this company at all. Purchasing a debt and obtaining documentation or bills is not legal contract that binds to owe you any money at all. Furthermore ATG credit LLC is in complete violations of FCRA by placing negative tradeline on to my credit reports which is complete slander to my name
08/18/2022	No	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60137	Web
They had my parents number, which I have not lived with my parents in over a decade. My mom told them the first time that I didnt live there, and they called 3 more times. When I finally called today and explained what was happening, XXXX told me that didnt happen and no one called my parents house more than once. My mom took a message each time. They were very rude and dismissive.
02/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60543	Web
Today I received an alert from XXXX XXXX that I have a collection reporting on my credit report. I don't know anything about this debt. The debt collector never reached out to me, instead they put a medical collections on my credit report. Plus it says date of service was in XX/XX/2021, I was in XXXX, XXXX. This debt is bogus and I wasn't provided anything to verify this debt
08/15/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TN 380XX	Web
XXXX XXXX XXXX is requesting payment in full on Account Number XXXX, in the amount of {$4600.00} for a XXXX online course. ( Please see the letter dated XX/XX/2019 attached. ) This course was paid for from my FSA loan and therefore there is no outstanding debt owed. This collection is in error. I have contacted XXXX XXXX, XXXX to fix this, however I have not been successful.
08/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 94541	Web
They are trying to force me to post date checks and use a debit cards on my account knowing that I do not have the money. They keep saying I am refusing to pay when I am not I said I am willing to pay with a money order or XXXX XXXX money with XXXXXXXXpayments before they refused the XXXX and wanted XXXX or higher. They hang up on me saying I am refusing to pay when I am not.
09/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94558	Web	Older American
A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. They said that the credit companies would be notified.
02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60622	Web
XXXX is at XXXX violations for me XXXX XXXX violation providing me with a description of what was done to me which results in hipaa violation incorrect name on bill they submited to me not correctly spelled and not labeled as medical collection account which is supposed to be on there not XXXX XXXX XXXX which is not considered properly marked XXXX violations in total
10/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60621	Web
My credit report says I opening a medical account on XX/XX/2018 and I owe {$100.00} to ATG Credit LLC and the Original Creditor Name is XXXX XXXX XXXX and I believe that is a mistake someone in my family or someone close to me may have copied my personal information and opened this account I didnt do it. So I want this debt removed off my credit report.
10/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34997	Web
A man called me I asked who it was he refused to tell me so I refused to identify my self. He said I have to I 'd myself. I told him if he did not I 'd himself to stop calling my phone. The man said they will keep calling no matter what I say or do. I hung up and looked the number up online it 's a company called agt. This is a debt collection company.
04/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60561	Web
I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In XXXX I noticed on my credit report that I have a collection account that I never heard off. It was the amount of XXXX As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.
06/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45238	Web	Servicemember
I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.
07/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46214	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
11/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33647	Web
ATG Credit calls my office weekly for a person unknown to me XXXX XXXX XXXX - last name may be misspelled XXXX. It 's a disruption to my business. I spoken with a representative to advise them they are calling a wrong number. They were inconsiderate and continue to place these calls. I have records of the calls and saved voice mails.
02/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	SC 29440	Web
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
12/27/2020	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	WI 53216	Web
Please run a complete investigation on this collection account. I feel the address associated with this collection agency, the terms and the balance are incorrect. The account number is missing digits which I feel is inaccurate and a violation of the FCRA. Please delete immediately from my credit report for it's errors.
10/14/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MA 027XX	Web
Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.
11/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80911	Web	Servicemember
I have disputed the debt with ATG credit several times and requested from the company directly and the credit bureaus an original contract containing my signature. Neither ATG credit nor the credit bureaus have provided this. They are attempting to collect on an invalid debt and damaging my credit in the process.
06/18/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 78759	Web
A debt collection appeared on my credit. I traced it back to a school that I attended, but all my classes were under fed student loans. This amount of XXXX is false and XXXX is not working with me to remove this. XXXX has removed this from my credit. I do not owe this money and I am current on my student loans.
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80910	Web
XXXX XXXX UNIVERSITY IS TRYING TO COLLECT MONEY, FOR A CLASS, WHICH I NEVER ATTENDED. I MERELY INTRODUCED MYSELF, TO THE CLASS. THIS IS ALL OF THE ACTIVITY, I HAD TAKEN, IN THE CLASS. I NEVER COMPLETED AN ASSIGNMENT AND WAS WITHDRAWN, FROM THE COURSE. I SHOULD NOT OWE ANY AMOUNT OF MONEY, FOR THE CLASS.
10/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	IL 60090	Web
ATG XXXX received debt that I owe. I contacted a credit consolidation service XXXX XXXX XXXX XXXX XXXX to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter.
05/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60016	Web
Asked for validation and no response from debt collector. Multiple emails and letters sent without response. Under the FCRA laws they are required to validate this debt with original documentation proving this debt is mine. Otherwise must be removed from all three of my credit reports.
10/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60656	Web
Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.
06/28/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	PR XXXXX	Web
I took only XXXX course and the balance was pay by my fed loan XXXX and they said, my new balance is XXXX and my account was move to collection agency. I do n't know how to disputed the new balance, they going to close the college on XXXX 2016.
05/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60538	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
02/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	SC 29440	Web
debt collection remaining on credit report after 50 days dispute process violation of FDCPA, credit reporting on all XXXX bureau disclosure of verification Delete all collection from all XXXX credit bureau reporting agency
05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AZ 857XX	Web
I continue to get automated calls about at my place of employment which is an automatic dialer from a company called ATG out of XXXX Il to my work land line giving information on my behalf with my name.
02/08/2022	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	IL 60622	Web
XXXX is reporting a 100.00 dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed 100 dollar payment
11/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	IL 60090	Web
This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?
04/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60564	Web
I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.
02/12/2023	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	SC 29730	Web
I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
12/23/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	GA 30906	Web
ATG credit is on my credit report but they wont verify the debt, they claimed to have sent me something in the mail verifying the debt not once but TWICE and I have yet to receive anything.
04/18/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46307	Web
ATG Credit has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
02/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60622	Web
arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against atg credit unless they provide me with my hipa transcript
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30044	Web
Never done business with this third party collection agency. I dont know how they received my personal information without me be notified. This is a violation of my privacy.
02/15/2022	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	IL 60622	Web
arg is desribing what they did to me by disclosing this info in description of services provided which violates hipaa rules as to my condition and opens them up to lawsuit
11/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32308	Web	Servicemember
Contacted company explained that I didn't know about debt and it wasn't mine. Dispute open with all creditors. I don't know when it was added to my credit file {$1300.00}
04/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76039	Web
I have already contacted this company to state I never had a contract with them. They are stating I owe for things that have already been paid by my insurance company.
05/03/2022	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 Problem with personal statement of dispute	IL 610XX	Web
XXXX is attempting to get money from money that have never dealt or owed them money. I confiemed they are scammers over the phone and they literally blocked my number!
04/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76051	Web
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY
07/20/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60013	Web
Medical debt is not to be reported but yet this company keeps reporting different amounts ranging from XXXX dollar to XXXX dollars. Also I have exempted income.
08/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 601XX	Web
This is not my account. The date opened, the date of last reported, and the date of last active are inaccurate!!! You even fail to validate this account!!
02/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60622	Web
arg your supposed to identify this in report as a medical debt which i dont see anywhere so you have to remove according to fair credit reporting act
09/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60446	Web
I paid my balance in full to ATG credit since XXXX but still they DO N'T want to remove the account in my credit report even i wrote them a letter.
02/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 24012	Web
Ive never ordered anything from XXXX ever. I do n't know whose debt this is but it is not mine. I 've never ordered anything from this company
12/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33913	Web
I don't know who this company is, as they won't answer the letter you have on your website to send XXXX. I don't owe this company anything.
02/15/2022	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 60622	Web
atg is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by atg also a copy of hipaa
11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85048	Web
The collection agency sent an email to a 3rd party email address and disclosed the debt and all other information.
10/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 622XX	Web
ATG is reporting a debt under my SSN that does n't belong to me, they atempting to collect for XXXX XXXX XXXX XXXX
12/31/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 35803	Web	Servicemember
This company has not provided any information as to the debt but has reported it to the credit reporting agency.
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53219	Web
My information was used improperly. I did not give permission for these companies to use my information.
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web
i have a medical debt on my credit report that does not belong to me, i have not seen or had this debt
02/27/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MN 553XX	Web
they say i owe XXXX to XXXX XXXXXXXX university .atg credit LLC.. They was found gultiy for fraud
06/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60639	Web
Someone went and used my ID in order to avoid being charged for XXXX XXXX.
07/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60611	Web
I have know knowledge of this dispute for only XXXX unbelieveable
01/25/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web	Servicemember

01/23/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60565	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 31088	Web

11/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75006	Web	Servicemember

11/14/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85201	Web	Servicemember

10/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45424	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72335	Web

10/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85142	Web

10/09/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19977	Web

09/25/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NY 11706	Web

08/26/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IL 60540	Web

08/24/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 31088	Web

06/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19977	Web

06/26/2023	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	GA 30346	Web

05/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33928	Web

05/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 66209	Web

05/05/2023	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	IL 60542	Web

05/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53511	Web

04/26/2023	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	IL 60542	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60542	Web

03/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60510	Web

01/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60137	Web

12/14/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53208	Web	Older American

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	AR 723XX	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76549	Web

10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60178	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31520	Web	Servicemember

06/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60707	Web

06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33160	Web

06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33570	Web

06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60090	Web

05/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85387	Web

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web	Servicemember

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web	Servicemember

05/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web	Servicemember

04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61108	Web

03/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33160	Web

03/01/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CO 80107	Web

02/23/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CO 80107	Web

02/02/2022	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	CA 91205	Web

01/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60527	Web

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60440	Web

12/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 44310	Web

12/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46260	Web

12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60564	Web

11/29/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	IL 60431	Web

11/24/2021	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 Investigation took more than 30 days	OH 44112	Web

11/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60651	Web

11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23453	Web

10/30/2021	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 60538	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91401	Web

10/01/2021	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 Was not notified of investigation status or results	IL 60647	Web

10/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60446	Phone	Older American, Servicemember

09/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23453	Web

08/25/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55364	Phone

08/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44260	Web

08/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84037	Web

08/03/2021	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 96158	Web

08/03/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 96158	Web

07/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77083	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

06/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60651	Web

06/03/2021	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 60169	Web

05/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60107	Web

05/18/2021	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	IL 60538	Web

05/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92646	Web

04/28/2021	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	IL 60506	Web

04/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70443	Web

04/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55432	Web

04/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60101	Web

04/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76180	Web

04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 891XX	Web

02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76180	Web

02/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60440	Web

01/20/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NY 14213	Web	Servicemember

01/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19126	Web

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	IL 60527	Web

12/22/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web

12/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60586	Web

12/18/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60187	Web

12/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60153	Web

11/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07111	Referral

11/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60425	Postal mail

10/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60478	Web

08/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60406	Web

07/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33606	Web

07/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60126	Web

06/30/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60402	Fax

06/30/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60402	Fax

06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90746	Web

05/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60540	Web

05/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60544	Web

05/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19702	Web

04/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19702	Web

04/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60653	Web	Servicemember

04/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60653	Web	Servicemember

12/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60540	Web

12/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60612	Web

12/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60501	Web

12/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60517	Phone

11/21/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	AL 35010	Phone

10/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32907	Web

10/07/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32907	Web

10/05/2019	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	IL 60099	Web

09/05/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11223	Web

09/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web

07/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60639	Web

05/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60654	Web

04/18/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32303	Phone

04/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60153	Web

03/13/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	NY 11693	Web

01/29/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60619	Web

01/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11693	Postal mail

01/08/2019	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	SC 29501	Web

12/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60153	Web

11/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60649	Web

11/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37013	Postal mail

11/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31909	Web

10/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60163	Web

08/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30168	Referral

07/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60660	Web

07/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36207	Web

07/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33928	Web

06/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70126	Phone

06/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60804	Web

06/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60804	Web

05/09/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	TN 37130	Web

04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64507	Web

03/09/2018	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	IL 60515	Web	Older American

02/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60433	Referral

02/01/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60406	Web

01/22/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	NJ 07086	Postal mail

01/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80247	Web

01/09/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60185	Web

12/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33178	Web

12/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60153	Web

12/13/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60471	Postal mail

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 Investigation took more than 30 days	LA 70774	Web

10/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92211	Fax

09/24/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60563	Web

09/19/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 33703	Web

09/12/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92532	Web

09/10/2017	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	IL 60123	Web

08/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60490	Web	Servicemember

08/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60639	Web

08/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45207	Postal mail

08/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90304	Web

07/19/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	MO 63136	Web

07/12/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours		Phone

07/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46323	Web

05/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34761	Web

05/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31005	Web

05/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11432	Phone

04/19/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MI 48203	Web	Older American

04/11/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	IL 60805	Web

02/23/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IL 60655	Web

02/16/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60616	Web

02/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60616	Web

02/08/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	DC 20002	Referral

02/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60174	Web

01/23/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	TX 77242	Web

01/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60632	Web

01/16/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60563	Web

12/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39301	Web

12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34481	Web	Servicemember

12/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 62220	Referral

11/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine		Phone

10/16/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	IL 60415	Web

09/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60605	Phone

08/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92586	Web

07/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45069	Web

05/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60517	Web

04/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32807	Web

03/03/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	IL 60446	Phone

02/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29042	Web	Older American, Servicemember

02/02/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IL 60586	Web

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DC 20036	Web

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93465	Web

10/25/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	LA 70380	Web

10/20/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	NY 14224	Web

10/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OR 97528	Phone

09/30/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	IL 60538	Web

09/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91325	Web	Servicemember

09/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	IL 60103	Web

09/11/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 93551	Referral

09/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90803	Web

09/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60188	Web

08/31/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 93551	Postal mail

08/07/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OR 97219	Web

06/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60626	Web

04/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60502	Web	Older American

03/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61820	Web

03/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80906	Web	Servicemember

03/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80906	Web	Servicemember

03/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KS 67227	Web	Older American

02/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30033	Web	Older American

02/12/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92103	Web

02/09/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NV 89014	Web

02/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	PA 15241	Web

01/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NY 10941	Web

01/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55417	Web

01/19/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NC 28540	Web	Servicemember

01/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60148	Web

12/31/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	IL 60047	Web

12/17/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	AR 72120	Web

12/01/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	GA 30038	Web

11/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 91205	Web

11/20/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	IL 60560	Web

11/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IA 51503	Web

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91205	Web

11/05/2014	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	NJ 07050	Phone

10/28/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	IL 62221	Phone

10/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43615	Web

09/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	KS 67401	Web

09/19/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	IL 60123	Web

09/08/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	IL 60617	Phone

08/15/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 95945	Web

08/13/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60629	Web

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 93637	Web	Servicemember

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92585	Web	Servicemember

07/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DE 19734	Web

07/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 73159	Web

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OK 73159	Web

07/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29485	Web

06/26/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	GA 30016	Web

06/09/2014	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	MD 27288	Web

06/02/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	NY 10314	Phone

05/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DE 19977	Web

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AK 99504	Phone	Servicemember

04/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60475	Web	Older American

03/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23602	Web	Servicemember

03/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NJ 08755	Web	Servicemember

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11105	Referral

03/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 73026	Web	Older American, Servicemember

02/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19151	Referral

02/25/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AL 36582	Web

02/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	RI 02886	Postal mail

02/21/2014	Yes	Debt collection Non-federal student loan	Communication tactics Called outside of 8am-9pm	HI 96793	Web

02/19/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	VA 24550	Web

02/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32792	Web	Servicemember

02/11/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	GA 30144	Web

02/10/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32780	Web

02/05/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 91945	Phone

02/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60067	Referral

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92584	Phone	Servicemember

01/26/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 61849	Web

01/20/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	CO 80211	Web

01/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92021	Web	Servicemember

12/24/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10305	Web	Older American

12/19/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10305	Web	Older American

12/13/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10305	Web	Older American

12/08/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ID 83719	Web

11/28/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10305	Web	Older American

11/11/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60564	Web	Older American

11/10/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10305	Web

11/05/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95403	Phone

10/28/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93536	Postal mail

10/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02152	Phone

10/25/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 21040	Web

10/24/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

10/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22191	Phone

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92582	Phone

10/11/2013	No	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	CO 80229	Web

09/27/2013	No	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	WI 53221	Web

09/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20879	Postal mail

09/16/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	LA 70512	Web

09/06/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	OK 73007	Web