Avadyne Health Holdings, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/11/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48168	Web
Fellow litigators, I am in receipt of your letter dated XX/XX/XXXX with no legal counsel said appointed. I am responding to your Dunning Notice to have this proceed in Federal Court. I have already sent a consideration offer to fully satisfy my alleged obligation to XXXX XXXX. I had asked for verification for it came to my attention there maybe material alterations to the original contract we may have together and requested my original wet ink signature and affidavit that no federal, state or commercial laws were violated. As you are aware the Uniform Commercial Code, The Consumer Credit Protection Act, The Fair Debt Collection Practices Act, The Fair Credit Report Act, and any and all laws applicable to Debt Collectors whether they be by federal, state or contractual ( commercial ) laws apply including HIPPA. I want to relay to your client that I have had direct correspondence with the Department of Insurance and Financial Services, Office of General Counsel recently. I do not wish to have to escalate the matter or to include other agencies any further. I have already asked for simple documents above including tax registration certificate, and affidavit certifying Affirmation of Obligation from your CEO, XXXX XXXX. Complete audit trail of said account. Audit certification of debt entry in accordance with G.A.A.P, .I.F.R.S., In accordance with Basel III Accord and U.N.C.I.T.R.A.L conventions. That you are licensed to collect debt in Michigan and your bonding information. I can ask for this as well in court proceedings and I do need to depose several XXXX XXXX employees for trial ( s ). It will please me if your firm has members already admitted into the XXXX XXXX of Michigan where proceedings must occur based on Federal Laws and also a counter claim against XXXX XXXX greater than {$75000.00} by myself. Any proceedings other than in Federal Court will be met with A Notice of Removal and ask the court grant my filing costs within the allowed time of move of venue. Based on 15 U.S. Code 1692c please note this also acts as a Cease Communication Letter to Avadyne Health and H and R Accounts to not be contacted by phone but by mail unless ( 1 ) to advise the consumer the debt collectors further efforts are being terminated. Or statement ( 2 ) or ( 3 ). OR AN ACTUALLY ATTORNEY, CEO, SENIOR MEMEBER OF EITHER COMPANY. I DO ALREADY HAVE YOUR COMPANY ON VIOLATION OF CEASE COMMUNICATION AND ALLEGED HIPPA VIOLATION. Is this firm acting on its own behalf as a debt buyer or representing XXXX XXXX XXXX? Different laws apply. Please note which. You were to maintain 180 period from statement date to report late to XXXX, XXXX and XXXX per XX/XX/XXXX laws per medical debt reporting. Why have you violated federal law? Please do include any and all litigator ( s ) who shale be assigned to said case and State Bar of Michigan information for each member so that I can verify that they are in good standing and also already admitted into the XXXX XXXX of Michigan to practice so we can proceed with hast since Federal Court tends to be a slow and tedious endeavor. I thank you for this opportunity to be introduced to your firm and look forward to litigation against your litigator ( s ) during the course of the next year or so that we spend together. I shall look forward to interrogatories, discovery, jury trial, punitive damages and violations exposed to additional agencies with additional exposure in Federal Court which could lead to other action ( s ) and or sanction ( s ) against Avadyne Helath under XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX Attachments attached : XXXX search. Affidavit of Obligation. XXXX XXXX/XXXX XXXX.// XXXX XXXX XXXX XXXX / XXXX XXXX XXXX of Michigan
03/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28078	Web
I went to the hospital on XX/XX/XXXX. After my visit I received several invoices from XXXX XXXX. Originally they did not file anything against my insurance company. After contacting them a few months later they filed a claim with my insurance and the billing amount was updated however, I still received several bills from XXXX due for different services and it was not consistent. I spoke with a representative and we went over the bills I had. I attempted to make a payment because I knew I owed something but was not confident in the amount due to the different amounts shown on the invoices. My card had expired so I told them I would call back. In XXXX or XX/XX/XXXX I received an invoice from a collection agency for the XX/XX/XXXX services however, I had not received any bills from XXXX for it. It was not listed on any of the invoices I had from them which included a XX/XX/XXXX and XX/XX/XXXXservice. In XX/XX/XXXX I called XXXX once again to discuss the bill and they advised that they only had the bill from XX/XX/XXXX and XX/XX/XXXXservice which was a total of XXXX. I paid XXXX because I knew I owed something and told them I needed a detail statement and needed to contact my insurance company. out of the XXXX, XXXX was applied towards the XX/XX/XXXX service and XXXX was applied towards the XXXX which left me with a XXXX balance. I advised I would pay it once I confirmed what I owed with my insurance company. A few days later I received a letter from H & R Accounts advising that I had a balance of XXXX. I advised that I paid XXXX for XXXX and that I was working with them and my insurance company. After speaking with my Insurance company they advised that they would be researching the XX/XX/XXXX date of service to ensure the accuracy of the billing. In XX/XX/XXXX I received a healthcare summary from my insurance company advising that the bill that I did not Owe the XXXX that was sent to me by the other collection agency and they had already paid their portion for the other XX/XX/XXXX and XX/XX/XXXX services. I called XXXX in XX/XX/XXXX to make the remaining payment of XXXX and was advised that it was with the collection agency. I called H & R collection agency and was advised that the account had been placed on my credit for the XXXX. After checking my credit this collection account caused my score to go down 20 points. In speaking with XXXX I was advised that the account should have been placed on hold since my insurance company was reviewing it. That would have prevented it from being placed with collection and when I called H & R and advised I was working with XXXX and my insurance company it should have been disputed and/or placed on hold with H & R Accounts. This collection practice is unfair to consumers, I have spent numerous hours calling and trying to understand how I was billed since there are several bills sent for one service and to make it more confusing XXXX includes other dates of services in on the bill. Even when I was not sure of the amount I owed, I still paid majority of the bill just b.c I did not want it to be placed on my credit until I could confirm the amount I owed. H & R advised if I pay the XXXX they will update my credit to show the amount paid however they would not remove it from my credit. I am asking that they remove it from my credit since it was placed on my credit while I was working with the hospital and insurance company to confirm the amount.
10/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web	Older American
I applied for financial assistance with XXXX XXXX in XX/XX/XXXX to pay off ER fee of {$120.00}. At no time did I ask them to waive the {$120.00} fee. I just wanted to make manageable arrangements to spread the payments over time. Received no reply so I decided to pay {$15.00} each month anyway. Paid it down to {$60.00} and they turned over to H & R Accounts for debt collection. I called H & R right away to make arrangements to pay it off. {$15.00} was agreed upon due at the " end of the month. '' I made payments on the XXXX of the month so it would arrive in time. In XXXX, they recd my payment on the XXXX of XXXX. They called me on the XXXX of XXXX demanding payment saying it was " late. '' So they were penalizing me for paying early? I told them the check was in the mail, which it was. XXXX XXXX said she wanted my checking acct info to deduct from my checking acct. I refused bc I knew she would deduct from my checking acct and also cash my check that was on its way. ( I also enclosed copies of XXXX XXXX scores from two credit reporting agencies as proof of my being a reliable creditor. ) I filed a missing mail event with USPS. USPS told me their zip code on their remittance address was wrong and it also had a street address followed by a XXXX XXXX XXXX USPS frowns on that. They also said it was " unreasonable '' to expect something mailed on a Wednesday to be received by the following Monday. So on XX/XX/XXXX, I mailed my final check for {$15.00} to them. They called me on XXXX to harass me again. She said I don't have to talk like that, and I agreed and hung up on her. Meanwhile, they received my check the next day XXXX and had already been cashed. On Friday XXXX, they phoned me SIX times. I blocked their calls and refuse to talk to them anymore. I paid my debt. I am done with them. I asked for a statement of my account since they sent me nothing, except the original request for payment. I am a senior living on a fixed income ( {$1200.00} per month ). $ XXXX was all I was able to pay and paid regularly and on time. Even though I am poor, I have a XXXX score of XXXX out of XXXX, reported from two credit reporting companies. I have carried no debt for the past 10 years. I had asked XXXX XXXX @ H & R, " why would I jeopardize my credit rating for a mere {$15.00}? She did not have an answer for me. I think she just likes to harass me. I also reported their behavior to XXXX XXXX to let them know how H & R is treating their patients, even ones that are paying on time. I am having major XXXX XXXX ( XXXX XXXX XXXX XXXX ) and don't need any more harassment from them. I don't have money to hire an attorney, but I did file a complaint with their local XXXX I never heard back from the XXXX. What is H & R going to say, " she's paid up, but still deserves to be harassed. '' I am way beyond talking nice with these crooks. I need you to contact them as I don't have money to send a certified letter. I have all four copies of my cashed checks for {$15.00} each. I will send them to you, if necessary, but will not send them to H & R. Even if you tell them to phone me, I still will not accept their calls. I have blocked all of their numbers. They use several different numbers from the same area code to try to trick me into picking up. As a rule, I never pick up unidentified phone calls. I would appreciate any assistance you can give me.
05/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92618	Web
On XX/XX/XXXXXXXX XXXX I was notified by XXXX that I had a collection filed against me from H & R Accounts , Inc. for {$520.00}, for XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I visited this E.R. late in the evening. I was checked in and gave them my driver 's license which had an old mailing address on it. After several hours of waiting and seeing no one, I left. Since then, I find out they ( XXXX ) billed me {$520.00} for no services rendered. On XX/XX/XXXX I asked H & R to send me the billing, something in writing to show what I owed for since I never received services. They said they didn't have anything, would have to request it from XXXX. I was able to login online to XXXX and it showed no services were rendered other than being checked in, and I sent this to H & R. No response. I have given H & R my current mailing address, email and phone, back on XX/XX/XXXX. They have never again reached out to give me any information. I contacted them again on XX/XX/XXXX and spoke with a XXXX XXXX who told me they still didn't have any documentation to show what I owed for, and he told me they didn't need it. I filed two XXXX complaints against XXXX to which they never responded, and I filed one XXXX complaint against H & R, to which they responded with " H & R Accounts ( H & R ) acknowledges receipt of the XXXX XXXX XXXX Complaint ID # XXXX filed by the consumer on XX/XX/XXXX. Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for XXXX complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account listed under the consumers name. The consumers account was listed with our office on XX/XX/XXXX, for services rendered by a medical service provider on or about XX/XX/XXXX. Upon placement, H & R mailed an initial collection notice to the consumer. This notice contained validation notice elements required by the FDCPA, and this notice did not come back as mail return. We have verified the account with our client and confirmed services were provided to the consumer on the date of service. The account has been marked disputed and we will send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager XXXX XXXX at XXXX. I want this removed from my credit report if they refuse to provide proof that I owe anything. My credit rating dropped over 30 points due to this. I pay my bills- if I received services for medical issues, I pay them. I find this to be unfair collection practices to report against someone's credit report and not provide them one piece of evidence that this amount is truly owed. I am entitled to see an invoice showing what I owe and for what services.
05/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29466	Web
A bill dated XX/XX/XXXX in the amount of {$740.00} from XXXX XXXX XXXX was paid in full with my HSA card on XX/XX/XXXX via XXXX. In XX/XX/XXXX I recieved a collection notice from H & R Accounts Inc., XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX for two line items from the original bill. One in the amount of {$660.00} and one in the amount of {$31.00}. My wife called XXXX XXXX XXXX to ask about the collection notice and explained to them that the bill was paid in full via XXXX and was then told they don't use XXXX, she would have to call XXXX. My wife called XXXX who told her the bill was paid and was settled. My wife then called H & R to dispute the debt and gave them information related to the payment and asked if they would like the proof of payment/reciept sent to them and they declined but agreed that the debt was paid. We then recieved a call from XXXX XXXX XXXX and had a similar conversation and were told the account should not have been sent to collections and that it would be taken care of on their end. My wife again offered to send the proof of payment and was once again told that it was not necessary. Yesterday we recieved another letter from H & R accounts dated XX/XX/XXXX stating that the enclosed document would " validate the debt ''. However, it only shows proof that the charges were transferred from XXXX XXXX XXXX to H & R and in no way validates the debt. If anyone had botherd to look at my proof of payment they would not be able to validate the debt. My wife has spent countless hours trying to get this issue resolved. She has called the hospital, XXXX XXXX XXXX, the insurance company, XXXX, the merchant phone number provided by XXXX, the collection agency, and the financial counseling office of the hospital. No one has been able to help. The merchant phone number provided by XXXX is XXXX. A voicemail for XXXX XXXX has not returned the eight messages my wife left asking for help with this issue. Only two line items from the original bill have been sent to collections. The remaining three line items totaling {$41.00} from the original bill of {$740.00} has been properly allocated. For some reason, the two line items that have been sent to collections have not been properly allocated to the correct provider. I do not know what else we are supposed to do to prove the bill has been paid. I have proof of payment that includes the Transaction Date, Transaction Amount, Authorization #, Merchant ID, Merchant Phone Number, HSA routing number, Response Code, Last 4 digits of HSA Account, Authorization Code, Response Code, Transaction Timestamp, and Provider Visited. The debt has been paid. I have proof of payment. I welcome any assistance the CFPB can provide me in rosolving this issue. I take my credit score very seriously and do not want an issue that is not my doing to affect it in any way.
11/22/2017	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	IA 52402	Web
On XX/XX/XXXX I was served with papers that XXXX XXXX XXXX XXXX was filing to collect XXXX dollars for a couple of medical bills that I had defaulted on. I was given 20 days to respond. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked if they would settle on the XXXX and we could work it outside of the judgement. I was told they would " submit '' the request for a settlement but would not have an answer that day. I was told at that time that we would be able to work something outside of the judgement and if we came to an agreement, the judgement would not take place. On XX/XX/XXXX ( exactly 20 days later ) they heard back that the settlement was rejected and then called me on XX/XX/XXXX. At that time I had defaulted on my 20 days after saying they would work with me, but needed to get an answer on the settlement. At that point when they called me to let me know they did n't have the settlement offer, but still would be able to take a payment. I was left to believe that we still had come to an agreement without the judgement. I paid them {$1000.00} and told them I could work out some arrangements to payoff the rest, but could not do the full amount they had listed with other accounts. That same day the XXXX County ( Iowa ) Court ruled a judgement against me and put it into affect on XX/XX/XXXX. My complaint is that XXXX XXXX XXXX XXXX knew about the 20 days, they gave me a false understanding that the judgement would be removed if we came to an agreement. They then held their response until after the 20 days and now are saying I owe them more money due to court costs, interest, etc. They gave me a false sense of understanding that an agreement had been made to keep the judgement from moving forward. Because of this, I thought things were taken care of here in XX/XX/XXXX. I recently ran my credit report and saw two things from them. So I called in today and found out that I owe more than those two things on my report due to the judgement. They were not willing to work with me and I did not have any idea that anything was still going on with the judgement. The fact that they told me we could get an agreement and settle without a judgement, and the fact that they got a response on the settlement at the 20 day mark and then called me back on the 22nd day is very convenient for them. At this point it looks very suspect on their actions, how they choose to deal with it.
12/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 383XX	Web
In XX/XX/2018, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ), a healthcare provider, sent a letter requesting a payment for {$3700.00} for prescription services rendered to me from XX/XX/2016 - XX/XX/2017. It appeared this one-time healthcare provider was paying my medical prescription without my knowledge or approval. Since I left the company in XX/XX/2015, my new health insurer, XXXX/XXXX ( XXXX XXXX XXXX, XXXX, Arizona XXXX ), should have taken over with my healthcare needs. In an attempt to resolve this matter with a XXXX XXXX financial representative, I asked a very important question as to why their company accepted the billings from a pharmacy knowing full well I was no longer a client. I was not able to get an answer. I explained to the representative I would do everything in my power to contact my current healthcare provider and find resolution in paying this debt. I filed a medical reimbursement claim with XXXX/XXXX, including a background history of the occurrences and any monies being paid should go directly to XXXX XXXX, and not to me since I refuse to pay for services in which XXXX/XXXX should be providing. After a lengthy battle with XXXX/XXXX, the healthcare provider finally made good on XX/XX/2018 and paid XXXX XXXX {$2900.00}. There is still a dispute of {$810.00} being owed and I am in the process of resolving this. However, as I worked tirelessly in resolving this matter, it was brought to my attention XXXX XXXX transferred the disputed amount over to a collection agency ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ). In turn, XXXX XXXX XXXX XXXX filed the attempted collection with the credit agencies, XXXX and XXXX. This reporting has severely damaged my credit scores. On top of this, XXXX XXXX XXXX XXXX initiated 10 separate claims, each claim with a different amount, to make it difficult for me to file a dispute with the credit agencies. Although this was deterrent for me to file a dispute, I did so anyway. I just received the results from XXXX today ( XX/XX/2018 ). After forwarding my disputes to XXXX XXXX XXXX XXXX, the findings of each claim made by them still stands even though a payment has made to their client, XXXX XXXX.
03/20/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 500XX	Web
XXXX XXXX Hospital in Iowa sent a medical bill to XXXX XXXX XXXX XXXX, XXXX Illinois, for an unpaid medical debt for our son. The hospital sent the debt in my ex husbands name only since he is the insurance carrier, legally responsible for all medical debt for our children after XX/XX/XXXX in divorce decree and the grantor on the medical bill account. In prior years when we were married, we had accounts together through XXXX XXXX XXXX XXXX. When XXXX XXXX Hospital sent the account through to XXXX XXXX XXXX, the automatically attached my name to the account in collections. I never received a bill from XXXX in this account and never received a bill through XXXX XXXX XXXX on this account. I found that XXXX XXXX XXXX had done this when I checked my credit. When I spoke to XXXX XXXX XXXX XXXX they said they couldnt bill me because they didnt have my address or number but had tried communicating with the ex husband whom was sent to collections in the first place with no response. XXXX XXXX XXXX XXXX representative threatened to take me to court, said they did not want a copy of the divorce decree, talked over me in a hollaring voice, belittled me. The original creditor, XXXX XXXX Hospital did not send me to collections, never billed me for the services on XX/XX/XXXX but sent it to collections on XX/XX/XXXX due to a nonpayment on a bill my ex husband is legally responsible for paying. XXXX XXXX XXXX XXXX took it upon themselves to add my name to this collection account and put a derogatory mark on my credit when this account was not in my name in the first place when XXXX XXXX Hospital sent the account to them. XXXX XXXX XXXX XXXX has put a derogatory mark on my credit for an account that is not mine, threatened me, would not allow me to send evidence that the account was not mine, has not submitted proof that I owe the bill because the do not have my address and should not have my address since XXXX Hospital submitted the account on my ex husband and all of his information. We have been divorced since XX/XX/XXXX. XXXX Hospital is also working to remover my name from XXXX XXXX XXXX XXXX since they did not send my name on this account.
05/30/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 852XX	Web
I am on a payment plan for a portion of my XXXX XXXX bill, but apparently not all of the bill. So I was sent to collections for the outstanding balance. I contacted H & R accounts about the past due amount and was told I owed {$6800.00}. I explained the amount I had on my statement from XXXX was {$4800.00}. H & R accounts told me they can not accept payment for anything less than the amount owed. I called back to XXXX to see where the discrepancy was and I was told that the initial charges were {$47000.00} then the self-pay discount was applied of {$40000.00} leaving the balance at {$7300.00}. I made an initial payment of {$2400.00} leaving a balance of {$4800.00}. However, when the account went to H & R the self-pay discount was removed and the financial assistance discount was applied at {$38000.00} leaving a balance of {$9200.00} minus the {$2400.00} leaving a balance of {$6800.00}. Why would they remove my self-pay discount and apply the financial aid? Especially if it is more money? I spoke with XXXX, XXXX and XXXX from XXXX and they explained they were not sure how the self pay discount was removed, since I am self pay and have no insurance and the financial aid was applied instead. When I spoke to XXXX to take care of this they told me I needed to wait until the account had come back to them before I could make a payment on it. I contacted XXXX on XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. I do not want this account to default and XXXX does not have any information for me and they can not take a payment on the account. H & R accounts said they have no control and I need to contact XXXX to resolve the issue but XXXX is no help at all. I feel they are trying to sabotage me because they are trying to charge an additional {$1900.00} to my account when they know that is not what I owe. This is fraudulent and immoral way of changing the bill when it is sent to collections and it is wrong! If I had not found out about the erroneous change in self pay vs. financial aid discount that was applied, I could have been held responsible for the higher amount when that is incorrect.
02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	WY 820XX	Web
We recieved XXXX XXXX from XXXX XXXX XXXX XXXX for myself and my husband. In XX/XX/XXXX, I attempted to work directly with financial assistance for help in paying the bill. I directly asked for a paper application, was told I could do it online. However, at the time- I did not have access to the application process, when I attempted to apply the system at XXXX would drop the information. I attempted to call the helpline at XXXX. The operator assisted me in application process, but did not hear anymore about the application acceptance or denial of the application. I attempted a second call which was reassured of the process being completed. I attempted to make monthly payments of XXXX directly to the company. When the company forwarded our medical bill to H and R Accounts collection agency in XXXX XXXX IL attempting to work with this company on monthly payments of XXXX a monthly til XX/XX/XXXX when I asked for a total balance of my account to be paid off in full. H and R Accounts Representative " XXXX '' assured me that All accounts would be paid in full. I called three additional times to get our credit report updated from collections to non collection. However, this company refuses to remove the collection from our report. My husband and myself hired a lawyer XXXX to assist us with these medical bills our lawyer created a settlement for XXXX 's medical bills with XXXX XXXX XXXX and XXXX XXXX XXXX, however H and R accounts state we owe over XXXX dollars. I suspect when we paid XXXX on XX/XX/XXXX that our accounts were not noted correctly. I have attempted to contact this company three times to work this out. I explained that these bills are setttled with the settlement disclosed by our lawyer. Today, I attempted to talk to a manager at H and R accounts XXXX XXXX, he stated that these were still due. I attempted to explain the payment that was made in XXXX their company representative stated accounts were paid in full. But yet, now that is not the case ... I feel that H and R accounts have not credited our accounts correct attempting to cover their mistakes, and over fees.
03/23/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30038	Web	Servicemember
I had a medical procedure done in XXXX. I payed a co-pay of roughly {$300.00} at the time and was initially advised that I would only owe the remainder of my deductible ; which was {$900.00} additional. After the procedure my insurance company sends a bill saying that I owed around {$2500.00}. I called the hospital billing department and the insurance company to verify and after a few back and forths the Hospital 's billing department advised that I would actually owe nothing and to disregard the bill. Fast Forward to XX/XX/XXXX I receive a notification from XXXX XXXX of a derogatory mark on my credit report. ( At this time my score is around XXXX as I have been managing my bills and credit very well. ) My credit immediately drops down 20 or so points before coming back up within a month. I file a dispute as I'm unsure why this bill from the hospital is on my report as I had not received a notice from the collection agency. I reach out to the credit agency and they advise me that they sent a notice in XXXX of XXXX and attempted to reach me via my mobile number but I never received any communications from them. I asked them to provide proof that they had attempted to contact me but they never provided it. ( See Recording XXXX ) This derogatory mark caused me to be denied for a home equity loan as I had put in my application in XXXX right after the credit report was updated. I have since paid the debt. I feel as though this company use a predatory tactic in order to force me to pay a debt that I was never even aware of owing. Instead of using standard procedures and contacting me with a notice they chose to wait the required time, then file my dept with the credit reporting agency. This tactic has caused a severe hardship for me and my family as I was not able to gain access to my home equity. We planned to purchase a rental property and fix up our basement to allow us to rent out the space to guest ; ultimately helping us combat the economic downturn and build additional wealth for our family.
03/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IA 503XX	Web
I received XXXX surgery from XXXX XXXX XXXX. I paid a large sum in advance of the surgery - and was surprised when I still had almost {$3000.00} not covered. I made a couple of payments toward the XXXX bills - and the next month when I went to make more payments- I wasn't able to. I received a bill for {$2100.00} from a Debt Collector and I paid it. I didn't hear anything more, until I received a phone call from someone asking when I was going to pay the bill. I said- I sent a check a while ago, and I looked in my records and gave them the date the check cleared and the amount. They let me know that was for XXXX bill and there was still an outstanding bill for {$670.00}. I let them know right then that it was not the correct amount, that I had paid on that bill and they needed to get the updated information. They sent me a bill and I returned it with the message : " I am disputing this bill as it is the wrong amount. '' They called me last week and asked me again about the bill. I had not received another bill since I returned the last one disputed and told them that. They said : " Oh, yes, we saw that you disputed it and XXXX says you owe that money. '' I responded that I never received any proof that I owed that full amount and in fact - I do NOT owe the full amount and that they needed to provide me with PROOF that I do owe that. They said they did not need to provide proof - that XXXX saying I owe that is all they needed. They sent me a new bill- with the same amount on it. I double checked my payments and I have made a payment that is not reflected in the amount billed. What are my rights? I always understood that if they did not provide proof of the disputed bill that the bill would simply go away. Can you clarify? I am planning on returning this letter disputed and sending it certified mail so I have it clearly stamped.
07/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IA 502XX	Web
XXXX XXXX XXXX XXXX XXXX have reported collection accounts that are medical bill 's on my credit reports as active collection accounts with a balance due. The accounts were discharged in a chapter XXXX bankruptcy in XXXX XXXX Iowa in XX/XX/XXXX. I have repeatedly sent them copies of the bankruptcy discharge notice from the Federal Courts and they refuse to remove the items from my credit reports. I spoke with XXXX with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX I told XXXX about the accounts and he told me I was correct the balance due on 2 of the accounts were zero and they should not be on my credit report and that they would have the accounts removed. I have had this exact same conversation with XXXX XXXX XXXX accounts on several different occasions yet the collection accounts are still on my credit report. Everytime I contact them I am advised that they update reporting once monthly and they will remove them and it never happens. I have also contacted XXXX on XXXX separate occasions to have this removed from my report and they wont respond to my request at all. XXXX just keeps saying the information I have provided is inaccurate and they are unable to assist me. I've been struggling with this issue for several months. I want the items removed from credit report immediately as they are not active collection accounts, I owe nothing and I'm tired of getting the run around from these two companies. If the items are not removed I will be contacting my attorney to file suit against them both for inaccurate reporting, damages and attempt to continue to collect on debts that have been discharged by the Federal Courts. I would appreciate assistance in getting this matter resolved once and for all.
08/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC XXXXX	Web
Service by XXXX XXXX XXXX was provided on XX/XX/XXXX. New bill was provided by XXXX XXXX XXXX on XX/XX/XXXX. Payment was made to XXXX XXXX XXXX and receipt received the same XXXX, XX/XX/XXXX, matching the amount of {$100.00} and the account number later provided by debt collectors. H & R Accounts Inc called to collect the debt in XXXX XXXX, at which point I indicated that the payment had already been submitted directly to XXXX XXXX XXXX and that they needed to get updated records from XXXX XXXX XXXX. XX/XX/XXXX, XXXX PM, the same representative from H & R Accounts Inc called again for the same debt, claiming it had not been paid. I provided the information from my receipt, which matched the debt he was calling about ; however, he insisted their records state differently, and I requested again that they get updated records from their partner, XXXX XXXX XXXX. While trying to clarify what other information was needed and the next steps they would be taking, the representative hung up on me while I was asking questions. XX/XX/XXXX, XXXX PM, I immediately called back and reached another representative who confirmed my identity and repeated the debt they have according to their records. I again provided information from my XXXX XXXX XXXX receipt, all of which matched the debt in question. I pointed out to the representative that there appears to be a systemic issue with their record synchronization between H & R Accounts and XXXX XXXX XXXX and was told that they will request updated data from XXXX XXXX XXXX. I have lost XXXX minutes of time during my workdays dealing with H & R Accounts Inc 's false debt claims.
07/11/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IA 520XX	Web
H & R Accounts Inc. is a collection agency who has had a collection account on all 3 of my credit bureaus since XX/XX/XXXX and at least on 4 occasions has changed the amounts owed. They have also stated on the credit bureaus that I made one payment of {$26.00} on XX/XX/XXXX. I have never made a payment to H & R Accounts Inc. I was able to obtain from Original Provider ( Clinic ) a list of payments I 've made since XX/XX/XXXX when the debt allegedly commenced. Not only was there not any payment made in the amount of {$26.00} or anything {$26.00} and since I 've been on XXXX there have been no payments for anything sinceXX/XX/XXXX. I disputed this erroneous information with all 3 credit bureaus twice and everytime H & R Accounts Inc. verified as there information as accurate. I sent them a request for validation XX/XX/XXXX which they received XX/XX/XXXX and confirmed by H & R 's representative XXXX on XX/XX/XXXX via 3 way phone call with XXXX to get method of verification. On that phone call XXXX stated the information was accurate and when I told him I have never made a payment to H & R and I wanted to know the method of payment he said he did n't know how it was paid and started to become irritated. I asked him about the balances and how they changed as it did n't correlate with what I had received from the original provider ( clinic ) and he hung up the phone. There are a few other smaller issues with the collection account but these were the main reasons of my complaint.
02/15/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52404	Web	Servicemember
I had cataract XXXX back in XXXX of XXXX. Originally the first eye was to be done in XXXX and I received a call from the medical provider stating that I would receive a " substantial discount '' if I moved the XXXX to XXXX. I started receiving bills after the surgeries that did not match up with my health care provider and the amounts for the two dates of service was different even though the procedures for both eyes were the same. I contacted my health insurance provider and it took them to decipher what the medical provider had done. Apparently even though all of his companies are at the same location and you do not have to go outside to go from one business to another they use different provider numbers and some of the numbers that were used were out of my network. They have told me what the correct billing amount should be and I have yet to be provided with those statements which also should include the discount promised due to the inconvenience of me rescheduling my XXXX. Instead of providing the information they retained a collection agency who was, on more than one occasion asked to provide the statements and as of this date they have not been provided and instead are reporting this debt to the major credit bureaus and is currently affecting my credit. Please note : The email attached dated XX/XX/XXXX was actually written on XX/XX/XXXX and was sent but for some unknown technical issue was not sent and I found it in my draft email box.
05/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 618XX	Web
To Whom It May Concern : After sending a letter to H & R Accounts via certified mail they responded with itemized statements from the hospital that clearly violated my HIPPA rights. The attorney I have spoken with advised me that a collection agency may have access to the amount owed and general medical billing codes regarding the hospital or physician 's office visit. They in no way shape or form should have received an itemized statement listing every diagnosis, procedure, medication, lab, or diagnostic test describing my visit. I was further advised that the legal procedure for this is for the collection agency to request that the hospital send the consumer the itemized statements but a collection agency legally should not have this information, to begin with, nonetheless mail the consumer a copy. This is a direct violation of my privacy and I am prepared to file a formal HIPAA violation complaint if remedied. I absolutely will not stand for my personal information being accessed by anyone other than my medical providers, especially without my permission or knowledge of them having it. All of the accounts placed with H & R Accounts are to be immediately removed from my credit profile and H & R Accounts shall cease all contact with me as well as any further attempts to collect these debts from me or I will immediately file a formal HIPAA complaint and will allow my attorney to start a civil lawsuit.
05/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 61820	Web
These were XXXX records that both collection agencies failed to validate and didnt honor the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX H & R Accounts, XXXX XXXX XXXX, XXXX, IL, XXXX 1 mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a letter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. I verified mailed letter was sent to H & R Accounts and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX. I do have the receipts to confirm that the letters were verified.
09/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 331XX	Web
As of XX/XX/2022, H & R account located in XXXX IL is reporting a debt of {$1600.00} on my credit report to the three credit reporting agencies such XXXX, XXXX and XXXX as medical debt. I don't know this creditor and they have not been able to verify this debt or respond to my request to validate it. This item was once reported to my credit report and i requested a debt validation from this creditor due to the fact that i was unaware of this debt it was since removed then added back. I never spoke with any representative on the phone or by mail. I never received any notice about my debt collection right to dispute. The creditor failed to respond to my request to validate the debt. This has negatively impacted my credit score. This is the only collection on my credit report as I have a good paying history with all financial institutions that I actually owe. It's my right to have the accurate information reflecting on my credit report as i have worked hard to keep a good history and its unfair that this debt collector is abusing my rights. I have lost XXXX points due to this reporting and its unfair because its so hard to keep good credit in this inflation and this abusive collector is making it even harder to stay afloat. This reporting is negatively affecting my lodging and transportation opportunities.
09/26/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OK 73162	Web
I made an agreement with XXXX XXXX XXXX XXXX to pay {$40.00} per month until my bill is paid in full. All payments have been made on time. Also, all my statements state, " By remitting your monthly payment in the amount of {$40.00} by " due date '', which is the XXXX of each month, this will avoid any future collection efforts. I recently received a bill from H & R Accounts stating the remaining amount I owed XXXX was due in full to avoid all collection activity and/or negative report to the credit bureau. I spoke with XXXX at XXXX billing department and was told my account was in good standing and that H & R Accounts had been hired to do " billing '' for XXXX and made an error by sending me a collection notice. I was told I may still make my {$40.00} per month payment to XXXX. I believe that H & R Accounts is knowingly sending these " collection '' statements as a scare tactic to get payment is full, instead of honoring the payment plan agreement made by XXXX. I contacted H & R Accounts and spoke to XXXX XXXX and told him to stop sending collection notices and that I will continue to make my payments to XXXX each month and that this " shakedown '' as I see it, is illegal. Please check into this, as I believe there are people receiving these notices that do n't understand they have rights. Thank You.
12/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28025	Web
H & R Accounts ( XXXX ) has placed a medical collection on my credit report for XXXX. It says that the original creditor was XXXX XXXX. The first problem is that I do not believe this is my account or debt. I have attempted to dispute this information with the credit bureaus twice now. Each time the dispute is resolved within 5 days and marked as accurate and meets FCRA requirements. The first dispute was submitted on XX/XX/19 very soon after it was reported to the bureaus. It was resolved on the XX/XX/19. I was never sent any documents verifying the account was mine. I have submitted another dispute on XX/XX/19 and have already been notified it was resolved with the same results and no verification documents. XXXX, XXXX, and XXXX have not done sufficient investigating in either dispute and H & R Accounts has made no attempt to verify the information, validate any documents, or send any billing information. I know for a fact this account is either not mine and reported inaccurately or the original creditor XXXX XXXX has supplied them with the wrong information for the wrong person. I will be filing a lawsuit if the CFPB can not resolve my complaint with accurate verification. I can not supply any supporting documents because there are no documents, the account is false and not mine.
09/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28278	Web
H & R accounts have my medical balances in their office. I have been making payments to them for months. I pay {$50.00} bi-weekly to them with the understanding to keep the accounts off of my credit report as long as I may the biweekly payments. The payments are set up to automatically come out of my account. They auto-debit the payment. Last week XX/XX/XXXX, a balance of {$1300.00} showed up in collections on my credit report. I called H & R Accounts and spoke with XXXX. That conversation didn't go over very well. I spoke with his supervisor about it. His supervisor advised me that he included this account in the payment plan. He gave me an email address XXXX to request forgiveness to remove the collection account off of my credit report. I sent the email to them on XX/XX/XXXX at XXXX to do a goodwill removal. This communication is a back up as they should have never placed the account in collections on my credit report as they are receiving a payment bi-weekly with the agreement to have the accounts not hit my credit report. They have a bad practice and this should not happen. They also had a wrong address on file. There has not been any attempt to send written correspondence as the address has a forwarding address, however, they have never sent any thing.
08/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 272XX	Web
H&R accounts was contacted for a bill of $XXXX that XXXX XXXX XXXX XXXX XXXX says I owe.Statement date:XX/XX/2019, that they mailed to me on behalf of them. With this bill I cannot read the bottom of the paper as it is too small to see to what number to call. But I called XXXX and made a payment today on this amount oweing. At the Emergency room I agreed Agreed to make monthly payments as I had a part time job AT THE TIME, but there was no set amount. I do have existing medical coverage with my husband's employer XXXX XXXX, and did then. There was no set date for the monthly payment as it was not offered to me before I left the hospital that I remember as I was being treated for XXXX XXXX and was trying to keep from passing out.I have a job at XXXX XXXX XXXX XXXX XXXX and make more money with more consistent hours. I have made a payment today for XXXX XXXX XXXX. I received this collections statement unduly to me as I was unaware that a specific day of the month needed to be made. I am on XXXX DAILY now as I had to get a family Dr. And I'm trying to get better . ALSO I was charged from XXXX XXXX XXXX their expensive room E.R. without me knowing it until after the fact.
09/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web
XX/XX/XXXX - negotiated total out of pocket expense with medical provider prior to treatment.XX/XX/XXXX - billed {$280.00} in addition to agreed upon out of pocket expense plus insurance payment. Collection agency - H & R accounts reported unpaid debt to all three credit reporting agencies. H & R Accounts agreed to stop collection efforts based on previously filed CFPB complaint ( XXXX ). I understand they are attempting to collect what their client claims is a legitimate debt. Because of H & R Accounts deceptive and illegal collection tactics, I would like to reopen the complaint. This is not a legitimate debt. As stated I negotiated my total out of pocket expense with the medical provider - XXXX XXXX XXXX XXXX prior to the XXXX XXXX. The hospital was also reimbursed by my private insurance company. No legitimate business would attempt to bill for services already paid for, especially when the total cost was agreed upon prior to service delivery. This fraudulent collection activity must stop. I demand that H & R Accounts cease all collection efforts and remove any references to collection attempts or unpaid debt from the three credit reporting bureaus - XXXX, XXXX and XXXX
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 070XX	Web
I was alerted to my sudden drop in my credit score for a delinquent account for XXXX XXXX As you can see I have been always making my payments on time. This was for a medical bill from a hospital that I was working with. I had made payment plans and I am currently on XXXX. I have never received any letters or billing or warnings from this creditor to pay {$60.00}. They have falsely placed this delinquency on my report that I need to dispute and would like it removed as soon as possible. I have worked hard at fixing my credit to be in the XXXX. Please help me fix this error. I looked up the web site and I found that multiple errors and victims of fraud have been dealing with this company as well and needed lawyers. I can not afford a lawyer or to apply for bankruptcy at this time. This is appalling that this company takes advantage of more people and gets away with it! XXXX STATUS DETAILS : Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE : H & R ACCOUNTS DISPUTE REASON : Ownership I have no knowledge of this collection account. CONTACT INFORMATION H & R ACCOUNTS XXXX XXXX XXXX XXXX. IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
02/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48116	Web
I received a cortisone shot on XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX MI. I received the first bill from them in XXXX. I attempted to call to make payment arraignments but never made contact with a human. I left a message and never heard back from any rep at XXXX XXXX. I made my first {$50.00} payment XX/XX/XXXX with a note stating that I could not talk to a human and will make {$50.00} payments each month until the debt of {$540.00} is paid. I have done as promised. I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( not sure of the spelling ) to see about a reduction in the fees. She yelled at me that I must pay in full now when the debt total was down to {$290.00}. I received a call on my cell today from XXXX XXXX XXXX XXXX agency and a message was left but I deleted it erroneously believing that medical debt can not go to collections if payments are being made. Immediately after the call to my cell phone, I received a call at work. This is totally unacceptable. I did not get the woman 's name but she threatened to report the debt to the credit agencies if I did not pay in full. I told her I pay {$50.00} every month and to never call me again.
05/21/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IA 520XX	Web
Around the XX/XX/2016, I went to the emergency room. I had insurance to pay for the visit. I had both XXXX and XXXX health insurance. Well I have never received a bill from the hospital or anything and one day I was looking at my credit report on XXXX XXXX and saw that the XXXX XXXX Hospital turned in a bill into a creditor for {$8.00} XXXX XXXX and it is the credit card t company called XXXX XXXX XXXX XXXX XXXX. I have disputed the debt collection with both XXXX XXXX and XXXX credit companies and I even told them that I had health insurance when I went into the emergency room. Finally after over 2 years of disputing the debt it was taken off of my credit report for about a month it was off of my credit report and then about 2 weeks ago it was back on my credit report. I am unable to dispute the debt online again because of the Coronavirus pandemic. I'm getting tired of disputing it and especially when I had insurance. It is not my fault that the XXXX XXXX Hospital didn't file the paperwork to the insurance companies that were supposed to do. It needs to be and should be taken off of my credit report because it shouldn't be on it in the first place.
05/14/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 483XX	Web
XX/XX/XXXX - negotiated total out of pocket expense with medical provider. XX/XX/XXXX - billed {$280.00}, in addition to insurance payment, for previously negotiated XXXX . XX/XX/XXXX - disputed collection attem pt b y H & R Accounts c iting the Fair Cre dit Reporting Act US C 1681s-2. XX/XX/XXXX - H & R Ac counts re ported non-payment of disputed debt to XXXX , XXXX and XXXX . H & R Accounts did not indicate in their report, in violation of the Fair Credit Reporting Act, that the debt was disputed. Following is the relevant excerpt from the act : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. I 've info rme d H & R Accounts th at they are in violation of the Fair Credit Reporting Act and asked them to remove the reports.
11/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 52001	Web
I verified my information with them last week ( Thursday XX/XX/XXXX ) and told them that the account would be paid this week. They acknowledged all of this. They then called a relative to try to find me even though they already knew my information and I had verified it with them. Since they already had this information, verified by me, they had no right to do this, and I consider it harassment, and it is specifically in violation of the Fair Credit Reporting Act to contact a relative for any reason other than the already confirmed information. On top of that, and the main reason I am filing this as a complaint, is that the calls came today ( Wednesday XX/XX/XXXX ), after I used their online portal to schedule an online payment for Friday XX/XX/XXXX for the full amount of the debt yesterday ( XX/XX/XXXX ) as agreed upon with them previously, so they are harassing me for a debt that has already been settled, again, in violation of the fair credit reporting act. Attached is the email confirmation of the payment, along with the call logs from my relative 's phone dated after the scheduled payment acknowledgement.
12/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IA 505XX	Web
received XXXX bills in 2013, XXXX for {$70.00} and XXXX for {$44.00} I paid both and have XXXX check duplicates and statements to confirm, however according to the billing rep at XXXX clinic, the check amounts were applied to another bill that I never received and the XXXX bills that I had paid specifically were turned over to collection and that i had a credit due me. Now the billing agent says she will forward the balance due me to H & R collections which will leave me a balance of {$64.00}, I do not see how money paid on specific bills can just be used to pay an unbilled debt and the debts I specifically paid turned over to collection agency. who has been reporting them since XXXX of 2013. The continued re- reporting has affected my credit score negatively. Apparently it is the billing departments practice to apply monies where ever they choose to direct them. I directed her to have the collection agency call me directly to get the matter removed from my report, but am sure they will require me to pay the full amounts to resolve the them, I will re submit complaint if this the case.
02/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IA 50131	Web
I had a medical bill of {$170.00} ( which is peanuts! ) that they were sending to wrong address and i never got it. I never even got a call. I saw on bureau so paid it but the reporting is still there. It reported me over 60 days past due from XXXX XXXX. I asked them to remove since never got bill and small amount i would have paid and looking at bureau you can see mistake since only late bill ever. i called again to submit formal dispute and rep told me they dont have a dispute process. I worked in collections for 10 years and know my rights and asked to speak to supervisor. He said he was. I asked to speak to his supervisor and he put me on hold for over 20 minutes. someone came on who said he could flag as dispute but nothing else since sent debt validation- which told him again was wrong. i asked for complaint process which he sent me to voicemail. Simple mistake of no bill and i dont think my overall credit score should be damaged by it for {$170.00} for 7 years which he told me nothing can do. the name of the company is H & R Accounts Collections agency.
10/08/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IL 60050	Web	Older American
I have some outstanding past due medical bills that have gone to a collections agency. I have an answering machine on my land line phone. I have a generic outgoing message on the machine that states no one is able to answer the call and does not mention any names. Today, I found a message on the machine that claimed to be from the collections agency. The incoming message stated that it was for me, by name, and that anyone else should immediately hang up. The message then went on to explain the nature of the call was to collect a debt and gave the name of the agent and that of the agency and their telephone number. I have a girlfriend that spends several days at my house at a time and the answering machine is in the living room, where she can hear both the outgoing message and the incoming messages. The message is saved on the answering machine, with no direct way to save it as a computer audio file. I may be able to play it back and capture the speaker output to a voice recorder that generates XXXX files that can then be copied to my computer.
07/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 61820	Web
Ive sent multiple disputes to both h & r accounts and the bureaus trying to get theses accounts off my report. Ive demanded if the account cant be proven to be mines to delete them immediately. Ive requested to be exact 4 methods of verification 2 to the bureaus which are saying that they sent my dispute to h & r accounts so they can send what Im asking. Which is by far the wrong explanation because I asked them for their method of verifying the debt from the lenders just from their investigation. The most important thing Ive asked in all of my disputes is to delete the account if verification isnt provided. Yes I received a letter with just numbers. Im guessing thats the bills I supposedly owe. I asked for a signed contract with my written signatures and have yet to see them and if I dont have a signed contract with them which is me agreeing to the terms, I dont owe anything and the accounts need to be deleted. My account has taken a hit since these fraudulent accounts have been on them and they shouldnt be.
07/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
On XX/XX/2019 was my first appointment with XXXX XXXX XXXX an XXXX XXXX practice. This visit was originally suppose to be coded and billed as a " First time new patient visit to establish '' and it was not as reported by XXXX. I later received this bill and have been in dispute of it because in all the years I have been on XXXX and XXXX I have never paid for a doctor 's visit except for any copay that might be due which was about {$3.00}. I contacted the billing department at XXXX and XXXX and they have said they would take care of this issue. I was billed again and contacted the billing department again and they said the doctor is refusing to update the notations so the right coding can be submitted to XXXX. Today I received a debt collection letter about this bill that should have never been from day one. Even after my check-in on that first visit and I was advised there is no copay or no bill that would be due.
07/16/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	IL 617XX	Web
Representative called me at work, he began right away questioning if I was going to pay the creditor the funds I owed them, " and than stated of course you have a {$39.00} debt owed to some other folks ''. I asked him to please call me at home not to call me at work, his reply was, due to this being your debt why dont you call me back. If I do not hear from you, I will call you at work. I attempted to tell him, he is not allowed to call me at work after I have asked him not too. He began with Are you sure about that, are you a lawyer? " Let me give you the scope on that ''. I told him I was at work and that I could not talk and I hung up. He was rude irrogant and unprofessional. I do owe the bill, as I stated to him, the hospital never submitted a claim to insurance. He was rude, and to me threatning. How many complaints have to be made regarding H & R Accounts in XXXX, Il before something is done.
04/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30116	Web
My daughter had a XXXX XXXX XXXXn XXXX. The visit was filed on my insurance. We did not receive a bill until XXXX of XXXX. I contacted the XXXX XXXX and was told they were having computer issues at the time of her visit and their bills did not get generated. This was unacceptable to me as this was now the next insurance year and therefore I could not pay properly out of my HSA as it was almost whole year later. I disputes with them and they sent me to collections. The collection agency contacted me and I did pay the balance. They did not report until after I had paid in full. I feel this is very unfair. I work hard to keep everything paid on time and my credit score high. I have contacted the collection agency several times and they will not take it off. XXXX and XXXX removed the item but XXXX would not. I would like the company to understand this error and please make it right.
04/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
This medical collection was paid by my Union insurance with XXXX to the XXXX hospital. I was and still am covered under my Union Insurance during the time of this work place injury, which is the reason why I am not nor should have ever been responsible for a paid medical bill cover by my insurance for a work place injury. H & R Accounts Inc. is a collection company who has illegally reported this derogatory medical debt collection to my credit report. I have never received any letter regarding this bill but H & R Accounts still reported this illegal account to my credit report. This is costing me thousands of dollars in interest and irreversible damages to my credit score. Please let this serve as my formal complaint against H & R Accounts Inc. for illegal reporting negative paid by insurance medical collections to my credit report without notifying me first.
06/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27292	Web
I have a debt from child birth that was sent to H & R Accounts in XXXX of 2015. I had XXXX medicaid and health insurance, and the medicaid took a bit longer to cover the cost. I have contacted the hospital in which the debt was owed, who state I now owe nothing - I have a XXXX balance, because it was paid. I have contacted H & R Accounts XXXX 5 times in the last few months attempting to get this removed from their records and taken OFF of my credit. I am told different things each time I contact them and I am not sure what else to do. I have disputed this credit, and the dispute did not change anything but H & R accounts came back with a derogatory remark on my credit. The hospital ( XXXX XXXX in XXXX, NC ) is attempting to contact H & R to have this removed. I need help with getting this removed from my credit, since I DO NOT OWE IT.
07/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19401	Web
I received a notice that a medical debt was owed back in XXXX of XXXX. I reached out to the company to advise I had secondary insurance when I received the notice, as I had done with the hospital, when the bill was sent and was told the claim would be resubmitted each time. the claim was never submitted or resubmitted. So the debt is still being reported. I have reached out to the debt collection agency multiple times starting in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX again in XX/XX/XXXX, asking that the claim be resubmitted, every time I follow up with my insurance company I am informed that the claim has not been submitted. I am now beyond the " timely filing '' deadline, and the debt collection agency is still trying to report the debt as not paid where I could have had the claim paid and paid on time.
06/04/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85224	Web
I called H & R Accounts ( XXXX ) to let them know the debt was currently under dispute and investigation by a third party. I also told them I did not have an estimated date of when it would be resolved or the outcome. I offered to pay as much as I could to have the debt satisfied. They declined and threatened that if I did not pay the amount in full they would report it to the credit bureaus by a specific date. I then sent a verification of debt letter ( certified mail ) and called to make sure they received it. They confirmed it had been received but threatened again that a report would be sent to the credit bureaus if it was not paid in full by their arbitrary date. They reported this debt to the credit bureaus prior to me receiving any verification of debt from them or trying to come to any sort of resolution.
04/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
I received a notice that I had a derogatory report on my credit report from H & R accounts, in XXXX IL, account # XXXX, who is trying to collect a debt for XXXX XXXX. I have not had any previous correspondence with XXXX XXXX or with H & R accounts until I noticed the derogatory comment. H & R stated that I used XXXX XXXX, in XXXX IL, in XX/XX/XXXX, to take me to the hospital. I have never been to XXXX IL, nor have I ever used XXXX XXXX for any type of service. H & R accounts is trying to collect a debt of XXXX, which is not mine. This account was placed in collection to H & R in XX/XX/XXXX, it is now XX/XX/XXXX and, again the only correspondence I received was through my credit report, I have filed complaints with XXXX, XXXX and XXXX, I have also contacted H & R who sent me an affidavit to file with them
10/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39532	Web
I contacted H & R ACCOUNTS INC ( original creditor : XXXX XXXX XXXX XXXX ) at the address of XXXX XXXX XXXX XXXX, IL XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$640.00} that is being reported on my credit reports ) and to show proof that this company owns the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
01/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
I had surgery at XXXX XXXX XXXX. Prior to surgery I met with the financial department and paid the entire amount that was listed as my responsibility. Now four years later I am receiving calls from HR Accounts. I have disputed that I owe this money and have requested that the hospital explain how I am responsible for an additional {$660.00}. I have call the hospital finance office several times and no one returns my call. I have called HR accounts several time and they keep saying they are sending our the verification or sent out the verification. I have not received proof that i owe this debt however this account is listed as a collection on my credit report causing blemish on my otherwise exceptional credit history. I would like this account to be removed from my credit report immediately.
08/10/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 988XX	Web	Older American
The collection agency is collecting for a non debt. I cancelled that company and they provided no services for the money they want. The so called prescription coverage was cancelled when I had a XXXX copay on a prescription that cost me without insurance XXXX. Not only are they thieves so is the collection agency that attempts to collect a false debt. If this goes on my credit report I will sue through the Attorney Generals office of the state of Washington. Collection companies should be required to make sure they are collecting a valid debt otherwise things like this happen. I am not your normal passive take it in the XXXX person I will pursue this to the end and beyond. I am so disgusted with rip off health care I am devoting a part of my life to make companies accountable.
05/17/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 618XX	Web
I called to speak with an H & R collections representative two different times today ( XX/XX/22 ). During the first conversation when I asked for my account number to pay my bill online I was told I was being taken to small claims court and could not pay online. I asked for the account number anyway and discovered later I could pay online. I called back after losing the account number where again I was told I could not pay online. I also asked about being sued. I asked when this was happening and if I could have evidence of this. I was told no and that they did not have to provide a record. I asked if I could talk to someone who could tell me more about being sued and I was told no. I felt like I was being threatened over the phone in order to get me to pay off my debt.
04/20/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48154	Web
I contacted XXXX XXXX XXXX XXXX about a payoff of the medical bill that I owed to XXXX XXXX XXXXXXXX XXXX. She gave me a verbal and a written letter as to the total if I paid it by such and such a date I mailed my payment in and it was 5 days late and they cashed the payment and agreed to the amount, but in the mean time placed a collection on all 3 credit bureaus, XXXX, XXXX, and XXXX that will now stay on for 2 years. NOT Fair and there is no law that says they have to report anything. Since then they have not tried to contact me at all so the money was good to close the account but not to stick me with that on my credit. This is affecting my chance to obtain a loan. I want all references of this to be removed from my XXXX, XXXX, and XXXX credit file
06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63108	Web
XXXX XXXX XXXX, XXXX sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX Hospital located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from XXXX XXXX XXXX , XXXX was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. According to the billing department at XXXX ( was billed through avadyne health ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.
08/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60504	Web
There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information. I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX, XXXX, and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.
02/09/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 078XX	Web
XXXX XXXX has ignored all my certified letters disputing the amount in question ; all my phone calls and certified letters were fruitless ; I disputed my bill and provided proof ; the hospital ignored me and sent me to collections. On XX/XX/XXXX I disputed the collection letter and amount ; my insurance company is doing an audit and they are looking into the bill the hospital claims that I owe ; the hospital did not bill me accurately for services rendered XXXX XXXX. I do not owe the amount on the bill and the hospital did not do everything on the detailed bill. An example, I did not get a XXXX but they are charging me for one not once but twice - I have a duplicate bill for the XXXX department.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI XXXXX	Web
I have been in touch with XXXX multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen
11/02/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30214	Web
XXXX XXXX h & r accounts XXXX has violated my rights. 15.u.s.c 1681 section 602 a states i have the right to privacy 15 u.s.c 1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) section states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other then records of conviction. 15 u.s.c 1681 - 2 ( a ) ( c ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} H & R ACCOUNTS INC XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
02/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 283XX	Web
No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
03/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48237	Web
I've submitted multiple times requesting debt validation from both H & R accounts as well as XXXX. XXXX continues to respond as debt being verified despite multiple request and demands of debt validation. I've since received a investigation results mailer from XXXX advising that I need to contact credit grantor to obtain proof of documents being requested. This is unethical as per the FCRA reporting company must provide proof and validation if requested. H & R account has sent over an Itemized statement that still does not verify or validate this alleged debt, it simply violates the HIPPA law as I've never signed a HIPPA release form at any of my medical facilities visited
06/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30350	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 XXXX 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
02/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ID 83646	Web
Received a letter from H & R accounts regarding two accounts with XXXX XXXX, wrote a letter disputing the accounts based on my records showed they had been paid. received a follow up letter XX/XX/2023 claiming they did their research and the debts were valid. the only problem is they don't show any payments that I made to XXXX XXXX despite all the checks being cashed. I am writing a letter to XXXX XXXX to get this resolved, but also filing a complaint against H & R accounts for still pursuing a debt that is not paid. the list of checks sent XXXX {$25.00} XXXX {$15.00} XXXX {$10.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00}
02/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 283XX	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
10/06/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85379	Web
I received 23 phone calls from this debt collection agency, within the last 3 months. They call me while I am at work, it is a very frequent occurrence and it is very harassing and intimidating. I'm afraid to answer the phone when I receive phone calls because I don't know if they're calling from another number or not. I'm unable to answer the calls while I'm at work, and it's creating an air of panic. Every time I receive a phone call. It impacts my ability to do my job because I'm receiving these phone calls. I am unable to answer these calls because I'm working and the company will not stop calling me. It is abusive, unfair, and intimidating.
01/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IA 525XX	Web
I sent a notice to verify these debts in accordance with 15 USC 1692g. The original dispute letter detailed the type of verification requested. In response they only sent a computer generated print-out of the amounts they claimed are due, which may or may not be accurate. Addresses, phone numbers and dates of services rendered with the original creditors were not furnished. They did not provide me with any documentation showing I agreed to pay the original creditor or a bill showing services rendered. Furthermore, they have failed to provide any proof of an executed credit contract proving my liability on the amounts claimed in this summary.
02/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85298	Web
XXXX XXXX did not bill correctly. I have double coverage and they only billed primary insurance and not the secondary. Contacted them multiply times to correct and they said they would correct it. But, now they sent me to a debt collector. I contacted them to explain that XXXX did not bill correctly. They were rude and stated to contact XXXX, because the bill is XXXX years old now and the insurance won't do anything about it. The surgery was XXXX, billed XXXX, primary covered XXXX leaving a remaining balance of XXXX. Tried to explain this to H & R Accounts, Inc but XXXX the agent that spoke to me said its my problem.
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29732	Web
On XX/XX/2020 H & R Accounts Inc added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29732	Web
On XX/XX/2021 H & R accounts added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. H & R ACCOUNTS INC XXXX Balance {$1600.00}
10/19/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 481XX	Web
Received an automated voicemail from H & R Accounts. Voicemail states that the call is to attempt to collect a debt, and any information obtained may be used for that purpose. Since the voicemail is an automated message, the debt collection can not confirm that whom they are calling is the consumer. Therefore, violating FDCPA regulations with regard to leaving a message relay that there is a debt owed and being collected on. Also the debt in question was pulled by their client over a year ago, as it was placed with their agency in error. This has been confirm by their client today by phone call.
03/02/2023	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	PA 19141	Web
I am requesting a wet signature signed contract that I owe H & R ACCOUNTS INC! They have also placed a late payment on the account and the accounts are closed. If the company can not send a copy of the original contract with my signed signature confirming that I am or have done business with H & R ACCOUNTS INC directly showing I owe their company and an agreement signed wet signature binding our relationship! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA /FDCPA it's a direct violation you CAN NOT place a late payment on a closed account!
11/28/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85044	Web
The only contact I received was a phone call from the collection agency wanting payment. I then contacted XXXX XXXX to confirm when the notice was sent to me about this past due money, and they could not provide any notification of any contact from them to me about this debt. The collection company was very aggressive and we worked out a payment plan. I am in the process of buying a house and this debt has ruined my credit score. I was told by my lender that medical debt by law should not be reported on my credit score. I just need this removed from any credit reporting companies asap.
06/15/2022	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	GA 30117	Web
I have found grounds that my rights have been violated company H & R Accounts XXXX XXXX XXXX, XXXX, IL XXXX XXXX ACCT # XXXX ACCT # XXXX this company has report to the major credit reporting agency, without my knowledge nor consent according to 15 U.S. Code 1681a " If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer. ( 2 ) provide to the consumer written or electronic disclosure
01/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 362XX	Web	Servicemember
H & R Accounts is collecting a debt for XXXX XXXX XXXX. I am a XXXX veteran, who receives full medical benefits on behalf of the XXXX XXXX and have sine XXXX. All of my medical claims were paid by the Government. This is the only claim submitted for my full inpatient stay in XXXX. The amount was for originally XXXX and paid according to the VA. I am not responsible for this collection and it should be submitted to the appropriate company for processing. I contacted the company 5 months ago and they stated they would follow up with the original creditor and resubmit for payment.
01/04/2021	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 617XX	Web
On XXXX XXXX XXXX has an account listed that was opened in XX/XX/2014 this account is also listed on transition as well as a collection account from H & R accounts this account was opened by me however they had the wrong social security number when I called them and corrected the number they immediately closed the account and turned it over to H & R accounts a collection agency I paid off the account and have requested they remove the account information immediately they have refused, I feel that since this is paid and the error was theirs it should be removed completely.
06/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89102	Web
i sent my first letter asking for my signature proving this is my debt. first letter was mailed by certified mail on XX/XX/XXXX. they replied saying that they are not required to show proof other than a printed statement. letter # 2 was mailed on XX/XX/XXXX once again only a printed statement was given too me. and a threat by them too take further action against me. i would greatly appreciate assistance in resolving this matter. the account # is XXXX they are saying is mine and that i owe {$190.00}. but they are refusing to provide documentation bearing my signature.
03/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IA 52803	Web
I was sent into collections from XXXX XXXX on XX/XX/2022 and on the same day I made a payment. I was always sent a reminder in the mail to make a payment and instead of trying to contact me to get this resolved they just turned me into collections. No phone call no mail nothing and on top of that XXXX Accounts the debt collection agency never notified me of any such collection. Again, no phone call, no mail nothing!!! Tried to rectify the situation with the doctors office and they would not even accept a {$50.00} payment from me to try and pay off my bill with them.
04/15/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 507XX	Web
On XXXXI received correspondence in the mail from H & R Accounts , Inc that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that H & R Accounts , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
11/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web
My wallet was stolen back in XX/XX/2021 that possessed my social security card, my iD, & XXXX $ cash I go to apply for credit but have a negative inquiry on my credit balance of XXXX $ I believe. I HONESTLY DONT FEEL like I have to pay for something I didnt go do. I had to dispute cars that was on my ceredit as well & I dont even own a vehicle I had to dispute addresses I never elven stayed at as a result THIS MEDICAL DEBT IS REFLECTING ON MY CREDIT & Im not able to take out any kind of loan cause creditors do small inquiries to see if they should lend to me
09/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 402XX	Web
I sent a letter asking for validation of debt which is different from verification. The letter sent was with verification and not validation. Verification and validation are completely different. VERIFICATION means establishing truth and accuracy. VALIDATION means to provide Legal PROOF of this truth and accuracy. Proof of VERIFICATION are bills, receipts, credit card and bank statements. Proof of VALIDATION include leases, promissory notes, contracts with an original signature from the Original Creditor NOT the collection agency.
05/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 078XX	Web
I noticed on my credit report a collection from H & R accounts for a hospital bill I contacted hospital since I had not gotten any treatment. They stated that I had nothing outstanding with them. I contacted H & R and turned out the hospital visit was not mine but i was the guarantor i requested copies of service ect as I had not received anything this was XX/XX/2022 Contacted them again on XX/XX/2022 and they stated they still don't have details to send me my credit dropped XXXX points due to this and I don't have any info to review
07/29/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IA 52246	Web
For about two month now I have been calling H & R accounts located in XXXX XXXX IL. I have continuously called multiple times in regards to an itemized letter Of each service I am being collected for. The first time I called they said it would take about two weeks and nothing I called again they said it usually takes more than two weeks nothing its been more than two months and I havent received an itemized letter of the medical debt that I owe. If they can not provide this information to me then why am I being held for collections
02/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK XXXXX	Web	Servicemember
I received notification on my credit and a letter from XXXX XXXX XXXX XXXX that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XX/XX/XXXX and once in XX/XX/XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,
02/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK XXXXX	Web	Servicemember
I received notification on my credit and a letter from XXXX XXXX XXXX XXXX that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XXXX and once in XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,
08/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50317	Web
I received a letter notifying me that H & R Account was attempting to collect an alleged debt on XX/XX/XXXX. I did not recognize the amount or the date of service so I sent a certified mailing requesting verification on XX/XX/XXXX. See attachment. I never received any verification back. H & R Account is violating FDCPA by not providing verification of debts. The company has resumed collection activity and has reported the debt to by XXXX credit report as a negative open collection without providing verification.
10/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 618XX	Web
requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 15 usc 1692b ( 2 ) - unauthorized use of credit by a person other then a cardholder who does not have authority for such use and from which the cardholder receives no benefit
04/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80233	Web
I was never contacted by the original debtor nor the debt collector that I was allegedly delinquent on a bill. The collector never could validate my debt nor send a proof of debt or even an itemized statement of the original transaction. The only reason I even found out about this account was because it was on my credit while I was trying to purchase a house. H & R Accounts even admitted on the phone they dont have any proof of debt and theres nothing they can do to remove it from my credit report.
05/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11413	Web
My name is XXXX XXXX, this communication is notice of dispute under the fdcpa. This alleged debt communicated by and through H & R ACCOUNTS, INC is not mine and I refuse to pay this alleged debt. I need some form of verification or a copy of a judgement in connection with this alleged debt. Failure to provide this information shall result in a cease and desist of further communication unless its to notify me that you are ceasing communication. Reference number # XXXX Account number # XXXX.
01/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07018	Web
Ive reached to this company regarding my insurance company paying off this debt. Ive facts them all the information they need to contact the insurance company or reached out to me and they didnt.. Ive called XXXX XXXX XXXX and they didnt have a answer for why they didnt contact the insurance company before sending my name to collections and they didnt have an answer also.. theyre not taking accountability for not talking to insurance company who assured me my bills were paid
09/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 614XX	Web	Servicemember
A debt owned by my husband in a non-community property state has been reported on my XXXX XXXX credit report, damaging my credit score from a 620+ to now XXXX or lower. When contacting H & R accounts in XXXX, IL they repeat themselves saying it is my financial responsibility when it is not, and refuse to help saying I will have to take legal action instead. I've had success in removing the debt from XXXX, but since then they've placed the collections on my XXXX report.
05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 479XX	Web	Older American, Servicemember
My credit is being attacked be cause of some bill from XXXX XXXX. My husband is covered by the VA. They pay all his bills. My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP!
12/15/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07083	Web	Older American
I went in the XXXX XXXX XXXX XXXX XXXX IN XXXX, because i was with lot of pain in my XXXX. They toke my information by the reception window and ask me to wait for a call. After XXXX hours no one call me or give any medication, pills or even ask me any question. My son arrived after the XXXX hours pic me up and took me to XXXX XXXX in XXXX where I was attend in XXXX minutes. Now I'm receiving calls and letters to pay {$650.00} for what...??? Registration?
12/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29730	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX On XX/XX/2018 XXXX XXXX XXXX send me a letter I owe them XXXX ... ..So send them a letter on XX/XX/2018 saying I have no knowldge of this debt before 30 days after there letter was send out ... .180 days later the debt was reporting on cedit report that I owe XXXX which is the wrong amount ... ... Now on XX/XX/82018 I send a dispute letter to them on what I seen on my credit report 45 days no reply ....
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72076	Web
H & R Accounts XXXX they said they got my information from some other company which is wrong and plus I told them its not me she said so Im still gon na pay for it and hung the phone up in my face just rude and they keep calling me. I need help with this matter asap. XXXX XXXX solution XXXX once again his account is not mines tried to contact them and correct it and I get no help from them once again a third party bought my information.
08/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 612XX	Web	Servicemember
There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment
06/19/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28147	Web
Upon reviewing my XXXX, XXXX and XXXX credit reports, I noticed a debt which has not been validated, reporting by a collection agency I am not familiar with. After further review and upon visiting the NC Department of Insurance website I realized not only is this not a company I'm familiar with, but they are illegally reporting me to the credit bureaus because they are not licensed to collect in the state of North Carolina.
01/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30296	Web
H & R ACCOUNTS INC at XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
05/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 610XX	Web
im a victim of id theft and didnt find out till i went to buy a car and the finance man said i have to pay 18 % interest because of collection accounts on my credit file. the accounts i disputed with a id theft and police report with copy of all my info ids ect. h & r accounts refused to be fair according to the law fair credit reporting act i had medicad insurance and still do have it so i have no medical bills o
08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19121	Web
The account was paid I asked them to remove it off my credit report they told me that they did not received and updated or that my account was paid off I have Proof that my account was paid in full. This has caused me to go into a XXXX XXXX I am XXXX out and I cant think straight This is not fair at all please help me I am trying to purchase a house and I can not purchase my house because this is holding me up.
07/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 61822	Web
I have been denied a XXXX XXXX XXXX loan to finish my XXXX as a result of having accounts in collection. When I investigated this I discovered that XXXX XXXX XXXX turned over every single visit as a different account / bill. H & R Accounts reported that I have 32 accounts now in collections, most of which are under {$100.00}. They refuse to consolidate them into a single account to setup a payment plan.
09/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30180	Web
The collector is H & R accounts On XX/XX/XXXX I paid the full amount of the account and I called and asked that it be disclosed however on XX/XX/2020 they report it to the credit bureau as a collection. When I called them they said it will be send to the credit bureau at the end of the month Five days after I paid the account in full they add it to my credit report is that legal. Regards XXXX
08/16/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30008	Web
Upon reviewing my credit report on XXXX, I notice that there was a medical bill that DOES NOT belong to me, but somehow made its to my report. I contacted the collection agency and they advise me it wasn't an issue, but its an issue for me and I need it gone my report. This medical bill belongs to a XXXX XXXX AND LIVES XXXX XXXX XXXX XXXX, XXXX XXXX. I have NO relation this address nor name!!!
07/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	GA 30253	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
09/06/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IA 527XX	Web
I repeatedly asked that XXXX XXXX XXXX XXXX not contact me at work or during working hours, XXXX XXXX at XXXX has continued to call me during working hours and not after and now is calling my office phone even after I have repeatedly asked her that is unacceptable. her tactics are nothing more than aggressive! Can you help me make her stop this aggressive behavior? Thanks XXXX XXXX XXXX XXXX
11/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with H & R ACCOUNTS. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
07/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 52402	Web	Servicemember
Requested a validation in a letter sent to this debt collector dated XX/XX/2023. Under provisions of the FCRA and the FDCPA, this creditor was required to respond and remove the collection off reports and cease and desist all collection efforts pending my review of all information sent for validation purposes. Creditor has chosrn to ignore the letter in violation of Federal Law.
04/01/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30019	Web
They keep calling for a XXXX XXXX which is not my name or anyone I know. They are calling to collect a bill from a hospital, they call very frequently and from different numbers after I block. I also receive a TON of spam calls and texts every day, I block all numbers and it seems like even more come the next day and I have been on the do not call list for over 2 years!
01/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IA 52241	Web
H & R Accounts located in Illinois and Iowa are refusing to take my paid debt off my credit report. I disputed it with credit reporting agency and H & R is still refusing to take it off. When I call asking if I owe I am told that I do not. When I ask why the account is still on my credit report I was told that they did not have to remove it due to being medical debt.
03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 52245	Web
H & R Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 501XX	Web	Servicemember
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX H & R ACCOUNTS INC have violated my rights. 15 U.S.C 1681 Section 602 A states, " I have the right to privacy. '' 15 U.S.C 1681 Section 604 A Section 2 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 640XX	Web
H & R acccounts, a collection agency in XXXX, has reported for several months an open delinquency on my credit report. The original creditor was XXXX XXXX. This account was discharged in bankruptcy in XXXX 2007, is not open, and represents double negative reporting since the bankruptcy and XXXX XXXX negative trade line show the account.
01/08/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28278	Web
XX/XX/XXXX of last year I had a car wreck. They sent me a bill and i began making payments on it. I have been paying on it for almost 7 months, then out of nowhere i get a letter from a collections company saying my bill has been sent to collections, even though the hospital has been sending me bills with updated amounts on them.
10/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 527XX	Web
I reached out to the company, XXXX XXXX XXXX XXXX after their multiple attempts to call me and asked them can I pay the balance and then have it deleted from my credit reports. The representative told me they would indeed delete it, but changed the account to reflect that it was paid and didn't remove it from my report.
08/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 644XX	Web	Servicemember
I was contacted by a company called H & R Accounts at my place of employment, regarding a medical bill. About one month later I received a letter of validation on XX/XX/21 including a detailed statement of medical procedures ( which did not release to them or any other entity ). I believe that is a HIPPA violation
10/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50501	Web
I have attempted to contact company HR Accounts several times to remove of my report because it was due to identity Theft and I Have called asking for it to be removed as it is hurting my credit file. I have evidence showing that I was a victim of identity theft. They refused to remove from my credit file.
04/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web
I have two outstanding medical bill with this company because they failed to submit the claims to insurance which I provided in the hospital, now due to timely filing they are refusing to submit the claims and saying its my responsibility when in fact I don't handle billing nor sending claims to insurance.
04/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 618XX	Web
A Debt validation letter was sent to H & R Accounts on XXXX XXXX, 2022. They were given 30 days to validate the debt they are showing on my credit report. They did not respond. As they were unable to validate the debt, I am requesting that the collections be removed from my credit report immediately.
07/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76051	Web
inaccurate information on my credit report. a active account is open that was included in my bankruptcy. I have tried to contact this company several times myself to no avail. this account should no longer be on my credit report as it was included in my bankruptcy and it should not be showing active
10/01/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NE 687XX	Web
My wages are already being garnished for the debt I own. What they did today is call me from XXXX. The call came up with my WIFE 'S NAME AND RINGTONE. The ID came up as my wife 's work number, but my wife doesn't work. The message was recorded. When I heard the recording I shut off the phone.
01/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30297	Web
On XX/XX/22 I sent a debt validation letter which will be enclosed to the creditor. I have not as of date received any correspondence back from the creditor. I requested the attached information along with a signature from the company/corporation making it a binding contract.
04/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 52601	Web
h & R ACCOUNTS DATE OPENED XXXX. COLLECTION ACCOUNT IS FALSE AND has been on my credit since my daughter was born in XXXX its her medical bill and was given to my ex husband in our divorce. I have tried to make contact with this company several times to get no answer.
06/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 52803	Web
There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
08/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48170	Web
I am being contacted by H&R Accounts Collection Company for a medical bill that was settled by the insurance company. I believe this is an attempt to double bill me. H& R Accounts has destroyed my reputation and my credit with their collections tactics.
01/27/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 61821	Web
They called me telling me about my XXXX hospital bills, and I told them to take me off the call list and Ill handle the payments then they called me again 3 weeks later and again 3 weeks after that after I have alreayd made a payments
10/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
On XX/XX/2021 I sent a letter to H & R ACCOUNTS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
05/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35216	Web
This company has reported a collections account my credit report that I have not been made aware of. I have not recieved any written notification therefore, my right to dispute and request verification has been denied.
06/21/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46260	Web
I reached out to the credit bureaus to contact the collections agencies alleging I owe them a debt and to send me proof of debt with their company. I never recieved verifiable proof showing I owed debt to the company.
09/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08859	Web
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ACCOUNT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED
01/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28262	Web
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.
09/18/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 49445	Web
They continue to call me, even though I'm already making automated debit payments monthly from my checking account. Now they have started calling me at my place of employment. THEY ARE NOW HARASSING ME AT WORK.
06/09/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85042	Web
Violation of HIPAA privacy. I do not know who H & R ACCOUNTS INC is and did not written consent to access my credit report. This debt is allegedly medical but not sure as I have not knowledge of this account
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web
H & R Collection reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.
07/25/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 19124	Web
XXXX XXXX continue to contact my place of work after I asked to stop on several occasions. They have been verbally aggressive over the phone.. the phone numbers they call from are XXXX and XXXX
10/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11413	Web
Insurance paid this bill my copay was {$150.00} which I paid at the time of the hospital visit. Numerous phone call to the hospital has returned the same results that I do not owe any money.
02/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
On XX/XX/2023 A medical collection of the amount of {$1100.00} was placed on my credit report. The collection debt was posted by H & R ACCOUNTS INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/14/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 507XX	Web
My card was charged {$130.00} which I didnt make any purchase or withdraw Ive already contacted my bank for a new card and a dispute to help fix the transaction that was made.
10/30/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 341XX	Web
This company called me multiple times 3 times a day and I asked to be removed and they never did and are still contacting me, if they contact me again i'm going to sue them.
05/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 339XX	Web
XXXX to XXXX I have had H & R appear in my credit report I have disputed these charges. It is constantly being put on to my credit as new after its disputed and deleted.
03/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60050	Web
They sold the debt to a different debt collector but did n't remove their remarks from my credit. The debt has been paid regardless expect H & R Accounts wont remove it.
11/27/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78704	Web
XXXX XXXX XXXX XXXX is trying to collect a debt not owed. This alleged debt does not belong to me and was put onto my credit bureau as in collections and derogatory.
03/21/2022	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 Investigation took more than 30 days	TN 38118	Web
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
07/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 184XX	Web
I filed a dispute and account was removed because of investigation company replaced back on XXXX XXXX file after information was confirmed due to covid.
01/30/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 514XX	Web
they keep saying that these accounts are mine without any prove. I have no idea what these accounts that are being reported on my credit report are.
02/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 640XX	Web
This is a bill for XXXX XXXX for my EX-spouse, it transpired after we were legal separated and divorced. I am in no way responsible for this bill.
07/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85122	Web	Servicemember
I received a collection notice for an account and it doesn't have any patient information or what this is for.
05/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08701	Web
XXXX XXXX XXXX We had an XXXX visit that was paid for by insurance why are they saying I owe {$580.00}
09/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30238	Web
The Account listed below is a complete violation of the NO SURPRISE ACT Delete the account immediately
10/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50023	Web
XXXX XXXX XXXX XXXX I've disputed the information on my credit report I have no knowledge of account
06/04/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30297	Web
They are trying to collect a dept that I do not owe and wish for them to take it off my credit
12/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49519	Web
HR Accounts called and left a message saying that I owe them a debt collection.
10/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60803	Web
H & R claims I owe {$500.00} never did any business with company
05/29/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85308	Web
I called XXXX XXXX to pay the bill and it said nothing was due
03/12/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	IA 50401	Web
XXXX shows H & R Accounts as Direct Dispute and XXXX does not.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO XXXXX	Web
medical account on my report that is not authorized
01/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33971	Web
I WAS A VICTIM OF IDENTITY THEFT. H & R ACCOUNT INC
09/10/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48306	Web
They called my work phone 23 times on XX/XX/18
03/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28216	Web
A statement is not a validation of debt.
01/24/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Personal information incorrect	PA 18301	Referral

01/12/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 617XX	Web	Servicemember

01/05/2024	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 11691	Web

12/19/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 11691	Web

12/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10473	Referral

12/11/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IA 52723	Web

12/07/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IA 52723	Web

11/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 61866	Web

11/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33920	Web	Servicemember

11/17/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85018	Web

11/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	UT 84722	Web

11/10/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IA 52723	Web

11/03/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85379	Phone

10/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19121	Web

10/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85374	Web

10/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29407	Web

08/31/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60643	Web

08/31/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	IA 52723	Web

08/17/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07112	Web

07/29/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 49457	Web

07/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77423	Web	Servicemember

06/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33009	Phone

04/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85710	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19128	Web	Servicemember

02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33976	Web

02/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46203	Web

02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19115	Web

01/25/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 16823	Web

01/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IA 51401	Web

01/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29617	Web

12/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33401	Web

12/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07876	Web	Older American

12/14/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48075	Web

12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30030	Web

11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19141	Web

11/02/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30738	Web	Servicemember

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web

10/03/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NY 10950	Web

09/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07202	Web

08/15/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08234	Web

07/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85029	Web

07/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85338	Web

06/28/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 61873	Web

06/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19055	Phone

06/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30236	Web

06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19106	Web

04/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29407	Phone

04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64655	Web

04/23/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 74501	Web	Servicemember

04/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07017	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19401	Web

04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35904	Web

04/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web

03/23/2022	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30080	Web

03/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50022	Web

03/10/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85712	Web

03/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34112	Web

03/03/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85387	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28431	Web

02/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 618XX	Web

02/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 61701	Web

01/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30236	Web

12/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43945	Web

12/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 61821	Web	Servicemember

12/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 494XX	Web

12/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30180	Web

12/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30274	Web

11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60617	Web

10/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30157	Web

06/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08859	Web

06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22102	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 42223	Web

04/24/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28431	Web

03/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19140	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28214	Web

02/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18510	Web

02/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95758	Web

01/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 52804	Web

01/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30608	Web

01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61265	Web

11/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Postal mail

11/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30179	Web

10/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28092	Fax

07/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60634	Web

05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48040	Referral

04/05/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 61231	Web	Servicemember

03/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18636	Phone

03/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75070	Web

02/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50320	Web	Servicemember

01/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19720	Web

01/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48336	Web	Servicemember

12/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 52807	Web

12/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28027	Phone	Older American

12/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73003	Fax

11/20/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 49503	Web

07/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Fax

07/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Web

07/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48206	Web

07/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27101	Web

07/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29732	Web

06/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50320	Web	Servicemember

05/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27295	Web

10/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50138	Web

07/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 49345	Postal mail

07/15/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 37421	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 Their investigation did not fix an error on your report	NC 27370	Web

06/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 40242	Web

05/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 62526	Web

05/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08618	Web

04/13/2018	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 Was not notified of investigation status or results	IL 60914	Web

03/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77073	Web

03/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Postal mail

03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services		Web	Servicemember

02/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28104	Web

01/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60644	Web

01/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28104	Web

11/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 61856	Web

09/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28212	Postal mail

09/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76549	Web	Servicemember

07/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48197	Web

06/28/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 49345	Web

05/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28202	Web

05/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 50170	Web

04/11/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IA 50401	Web

12/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77389	Web	Servicemember

10/25/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IA 50851	Web

07/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IA 52233	Phone

05/17/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 27107	Web

04/20/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IL 62711	Web

03/24/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	IA 52404	Web

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 52401	Web

01/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92058	Web	Servicemember

12/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	IL 60081	Web

12/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44039	Web

10/01/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60050	Web

07/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IA 52214	Referral	Older American

06/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27239	Web

02/27/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IL 61701	Web

02/08/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IA 50112	Web

01/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 61760	Web

01/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 61342	Web

12/29/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IA 50023	Web

10/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 52246	Web

10/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 64114	Web

08/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 61953	Web

07/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 52732	Web

07/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	ID 83706	Referral

06/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32746	Web	Older American

06/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IA 50201	Web

05/16/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IA 50644	Web

05/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IA 50536	Web

04/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IA 52002	Web

04/14/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 54494	Web

03/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60050	Web	Servicemember

03/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	IA 52732	Web

03/08/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	IL 61068	Web

03/05/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	IA 50662	Web

01/22/2014	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	IA 50581	Web

01/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	IA 52223	Web